vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Since XXXX, I have been challenging things on my credit. There are items on my report that are not mine. There are duplicate accounts shown for the same erroneous items. I have not received any response from the credit bureaus. It has been 7 months of me trying to get the incorrect items removed. The Dates of my most recent letters are below : XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 There are 38 Inquiries on my XXXX that I have continuously asked to be removed. 
There are 25 Inquiries on my Experian that I have continuously asked to be removed. 
There are 22 Inquiries on my XXXX that I have continuously asked to be removed. 

There are 3 Derogatory Marks on my XXXX that I have asked to be verified for 7 months. The bureaus have had months to do so and yet they still have violated the FCRA by leaving these items on my credit report. They are : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX is listed twice, it's a duplicate fraudulent account! 

There are 3 Derogatory Marks on my XXXX that I have asked to be verified for 7 months. The bureaus have had months to do so and yet they still have violated the FCRA by leaving these items on my credit report. They are : XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX is listed twice, it's a duplicate fraudulent account! 

There are 4 Derogatory Marks on my Experian that I have asked to be verified for 7 months. The bureaus have had months to do so and yet they still have violated the FCRA by leaving these items on my credit report. They are : XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX is listed twice, it's a duplicate fraudulent account! 

I simply would like the Credit Bureaus to Uphold the law and delete these erroneous accounts from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Im receiving a bill for credit card that is not mine! And also shoes on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: FREEDOM FINANCIAL NETWORK
State: TX

Complaint narrative:
I contacted Freedom Debt Relief, via chat on XX/XX/2020, to change the debit date on my account. This was not followed through with and my bank account was debited 2 times for {$240.00}. When I contacted them to correct error, they stated it could take 4 to 7 days to fix error. Provided them with copy of bank account and bank email transaction regarding debits to my bank. Requested copy of chats with XXXX on original request and the statement that he had taken care of it. They stated they would not provide copy of chat due to it being an internal communicaition. Contacted company again on XX/XX/2020 regarding issue and was basically told they would not fix it for 4 to 7 days or I could provide copy of bank statement which I did. They admitted they made a mistake but failed to correct error in a timely manner and caused bank to charge overdraft and funds not to be available during a critical time. Myself and my family have been dealing with covid for the last month, needed these funds and I explained this to them, they were insensitive to our issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: World Omni Financial Corp.
State: AL

Complaint narrative:
On XX/XX/2020 my bank ( XXXX ) debited my account {$400.00} and sent it to Southeast Toyota Finance. I called the finance company on XXXX XXXX, XXXX XXXX, and XXXX XXXX and each time was told the {$400.00} had not been credited to my account. A woman named XXXX from my bank researched the problem and determined the following information from XXXX XXXX bank. Southeast Toyota Finance received the {$400.00} on XXXX XXXX and credited it to my account on XX/XX/XXXX. ( XXXX XXXX, XXXX, Case # XXXX, ) After receiving this information from my bank, I checked with Southeast Toyota Finance on XX/XX/2020 to determine if the {$400.00} had been credited to my account yet. I have checked with this company on XX/XX/XXXX, XX/XX/XXXX, and today, XX/XX/XXXX. As of today, XX/XX/XXXX, Southeast Toyota Finance has not credited my account with the {$400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: PA

Complaint narrative:
XXXX XXXX I had a fraud case. I have summitted everything plus extra documents to relia card and was told all documents was accepted. Now they have told me the fraud case was closed the money was out back into my account but refuse to unlock my card. They keep telling me to upload my i.d and keep submitting the same documents I have all month long that have already been approved. They allow my direct deposits to go through each week but will not allow me to access my funds. I am a single mother I have complied every way their company has ask n told me to and I am going on two months being locked out from using my account and debit card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
This is a complaint is to request an investigation of payments made on card that allowed the credit limit to be exceeded and about an exasperating 3 years amount of time. It is the end of XX/XX/2020 and I have made several to many complaints. I have yet to receive any details of investigation other than the elementary no evidence of fraud was found. Large, successive, multiple, and without a doubt, fraudulent payments were made on the card and then bounced. Researching the payments should have been routine but was not part of the investigation. How many people have faith in big business to be hi tech and professional companies to always be one step ahead of the many thieves. How many fraudulent payments would have to be given the person reading this, me, or the CEO of this company before we are alerted? Several were made and then I was penalized.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Leap Credit, LLC
State: MO

Complaint narrative:
In reviewing my checking account, I noticed that {$500.00} was deposited from " LEAP CREDIT '' on XX/XX/20. I did not solicit or sign anything for this " loan ''. This is absolute fraud and/or done in error. I feel my account info has been compromised. How do I return these funds asap? 
I contacted Leap Credit immediately and they told me to report fraud to the credit score companies. Help! 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
I was notified by XXXX XXXX that I received derogatory credit reporting. Trans World Systems reported that I owed XXXX to them. 
I called them earlier and they allege that I owed XXXX to XXXX XXXX for services on XX/XX/18. 
They had no information for me on who made the report or what services they allege. 

As far as I am aware, my account with XXXX is in good standing. Further, I am not in receipt of any outstanding invoices from anyone related to my XX/XX/2018 XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Under 12 CFR Part 1026 ( Regulation Z ) 1026.2 Definitions and rules of construction, while there is a permissible variance to account for weekends, holidays, and differences in the number of days in months, billing cycles MUST BE EQUAL. In this context equal requires that the actual date of EACH statement not vary by more than four ( 4 ) days from a fixed day or date. The interval between the statement with date XXXX XX/XX/2020 and the next subsequent statement generated on XXXX XX/XX/2020 clearly falls outside the statutory definition of equal as applied to billing cycles for my student loans. That is, each statement generated after XXXX XX/XX/2020 constitutes a statement that is offset from the XXXX XX/XX/2020 statement outside of the prescribed interval as established from the date of the first statement. The payment history and information for my student loans that XXXX XXXX supplies to the CRAs is incomplete and/or incorrect and must be immediately removed from all credit files for which XXXX has supplied the information to a CRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Under 12 CFR Part 1026 ( Regulation Z ) 1026.2 Definitions and rules of construction, while there is a permissible variance to account for weekends, holidays, and differences in the number of days in months, billing cycles MUST BE EQUAL. In this context equal requires that the actual date of EACH statement not vary by more than four ( 4 ) days from a fixed day or date. The interval between the statement with date XXXX XX/XX/2020 and the next subsequent statement generated on XXXX XX/XX/2020 clearly falls outside the statutory definition of equal as applied to billing cycles for my student loans. That is, each statement generated after XXXX XX/XX/2020 constitutes a statement that is offset from the XXXX XX/XX/2020 statement outside of the prescribed interval as established from the date of the first statement. The payment history and information for my student loans that XXXX XXXX supplies to the CRAs is incomplete and/or incorrect and must be immediately removed from all credit files for which XXXX has supplied the information to a CRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Under 12 CFR Part 1026 ( Regulation Z ) 1026.2 Definitions and rules of construction, while there is a permissible variance to account for weekends, holidays, and differences in the number of days in months, billing cycles MUST BE EQUAL. In this context equal requires that the actual date of EACH statement not vary by more than four ( 4 ) days from a fixed day or date. The interval between the statement with date XXXX XX/XX/2020 and the next subsequent statement generated on XXXX XX/XX/2020 clearly falls outside the statutory definition of equal as applied to billing cycles for my student loans. That is, each statement generated after XXXX XX/XX/2020 constitutes a statement that is offset from the XXXX XX/XX/2020 statement outside of the prescribed interval as established from the date of the first statement. The payment history and information for my student loans that XXXX XXXX supplies to the CRAs is incomplete and/or incorrect and must be immediately removed from all credit files for which XXXX has supplied the information to a CRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: M&T BANK CORPORATION
State: AZ

Complaint narrative:
M & T Bank is reporting mortgage late payments as of XX/XX/XXXX. This mortgage account was paid off and closed on XX/XX/XXXX. I have reached out the them 4 time and they are not doing anything. I pulled my credit in XX/XX/XXXX and they just reported a current late on XX/XX/XXXX. This is causing me thousands of dollars and I just lost a potential home purchase because of this. Im tired of M & T Bank telling it my problem.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NH

Complaint narrative:
I have had my home and the same mortgage company since 2015 I believe. I have made every single payment on time up until Covid-19. I filed the correct paperwork and I called my mortgage company to opt for the deferred payment plan. I'm now receiving bills that say I owe over {$11000.00}, my credit score has taken a complete dive and now its about a XXXX which is absolutely awful. 
I've called Loancare over 10 times, get put on hold, get a supervisor with promises to call back the next day and never do, got an email stating I would hear back with 15 days which never happened. 
This is the time for people to refinance their homes because of the rates and I'm not able to because it looks like I'm currrently behind in my payments. 
Since my restaurant reopened and I was back to work I started to once again make my payments on time after the 90 days that I asked for. 

I'm currently on the phone with them as I type this and again I'm being given excuses and told a supervisor will have to call me back. 

There must be something someone can do to help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: AE

Complaint narrative:
On XXXX XXXX XXXX, I received a letter dated XXXX XXXX XXXX from Convergent Outsourcing attempting to collect a dept totaling {$440.00} for the creditor XXXX. I have never used XXXX 's services, and had not previously heard of the company. The debt breaks down as follows : {$210.00} Equipment fee, and XXXX service fee. 

I called Convergent Outsourcing on XXXX XXXX XXXX to inquire about the debt and was informed that XXXX is a cable service provider. Convergent informed me that XXXX provided service to an account opened in my name, using my social security number, to the address of XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX NY XXXX. Service ended XXXX XXXX XXXX and Convergent Outsourcing was contacted to collect the debt. I have never lived in NY, nor have I ever had any business at the aforementioned address, nor have I corresponded with XXXX to provide service. I informed the Convergent Outsourcing representative of this and that the debt was the result of fraudulent activity. The representative then agreed to mail me a fraud package to complete and return to Convergent Outsourcing. 

After contacting the collection agency, I contacted XXXX on XXXX XXXX XXXX and was told that the account was opened in XX/XX/XXXX and closed in XX/XX/XXXX. The representative informed me XXXX would wave the {$210.00} equipment fee, and contact Convergent Outsourcing, but I have not yet seen evidence of this. XXXX refused to wave the {$230.00} service fee. 

On XXXX XXXX XXXX, I contacted XXXX, an identity monitoring service that I use. XXXX XXXX recommended I call the three credit bureaus to freeze my credit, which I did that same day. I'm currently working with a credit restoration specialist from XXXX provided by XXXX. The credit restoration specialist has opened an investigation into the matter and will be contacting Convergent Outsourcing on my behalf. 

On XXXX XXXX XXXX, the credit restoration specialist recommended I file a complaint with the Federal Trade Commission via their website. The FTC site then directed me to the Consumer Finance website to finalize the form.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One has been paid and closed out. They put another credit card on my credit report. The closed the credit card immediately with a balance. I believe there is some fraud activity going on with capital one credit card. I only had one credit card with them and it was closed on XX/XX/2020. Why are they still reporting on my XXXX credit report. There was another charge of XXXX dollars and closed account. Please help me with this situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I recently submitted a complaint ( XXXX ) regarding this debt collector. The account that I am alleged to have owed has been resolved. I am no longer financially obligated to this account. As per my previous letter, for National Credit Adjusters to have standing to collect a debt from me, there must be a valid contract between your company and I. To my knowledge, there is no contract on file baring my signature that ties me to this debt. In addition, you did not disclose that I have the right under contract law to refuse to contract with you. Instead, your company relied on fraud by omission to induce me to pay. Fraud voids all contracts, implied or otherwise. As a solution to resolve this matter, I respectfully request that you remove/delete this information from my credit report immediately. If the account in question is not deleted from all three credit bureaus within 30 days I will have no other choice but to pursue the issue further and become a big thorn in your side! 
Original Creditor : XXXX XXXX Account # : XXXX NCA Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Around XXXX XXXX XX/XX/2020 i tried filing an online dispute with multiple items. Each time I attempted to submit the dispute the system timed out with an error code of " temporary system error. '' I thought this might be due to batch processing during early morning hours. Around XXXX hours on XXXX XX/XX/2020 I proceeded to do the same thing and encountered the same error. It was only AFTER limiting the amount of items to two ( 2 ) items that TransUnion 's system successfully processed the dispute. However, attempts to submit additional disputes online is barred until the investigation for the currently disputed items has finished. What this means is that TransUnion is limiting the amount of the disputes any individual is allowed to dispute within any thirty ( 30 ) day period. Given the nature of the current pandemic the turnaround time for processing and resolving a dispute is in excess of the thirty ( 30 ) day time-frame. TransUnion is attempting to regulate, and minimize my right of notice and opportunity to be heard and are effectively abridging my rights of due process granted to me by the FCRA. The harm is that additional items that may need to be disputed remain unresolved and in my credit file, lowering my credit score and adversely affecting my ability to secure lines of credit at a time when many individuals are experiencing financial strain.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX is reporting mortgage late payments as of XX/XX/XXXX. This mortgage account was paid off and closed on XX/XX/XXXX. I have reached out the them 4 time and they are not doing anything. I pulled my credit in XX/XX/XXXX and they just reported a current late on XX/XX/XXXX. This is causing me thousands of dollars and I just lost a potential home purchase because of this. Im tired of XXXX XXXX XXXX XXXX telling it my problem.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX is reporting mortgage late payments as of XX/XX/XXXX. This mortgage account was paid off and closed on XX/XX/XXXX. I have reached out the them 4 time and they are not doing anything. I pulled my credit in XX/XX/XXXX and they just reported a current late on XX/XX/XXXX. This is causing me thousands of dollars and I just lost a potential home purchase because of this. Im tired of XXXX XXXX XXXX XXXX telling it my problem.

Company response to consumer: Closed with explanation