vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-09 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: OH

Complaint narrative:
This account was paid and closed off in the month of XXXX in 2019. 

This is a secured credit card and I paid {$200.00} to open my balance. My balance was only roughly {$160.00} and I put {$200.00}, And the creditor agreed to close my account and pay me my remaining balance out of the XXXX $ after taking the money for the payment Due. 

Instead the company keeps my account open // does not pay me the money and I get 2 late payment. I would like all of this removed off my credit. 


On the comment section it even says closed a creditors grantors request. That was in XXXX. The card was still open for two months after that The company address is XXXX XXXX XXXX XXXX XXXX, SD XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I had student loans and was making payment on time up until a certain point ( payments were automatic, the card I was using expired and I never realized it ). Eventually the loans went into default. I was then put into another federal consolidation program which I have been current with payments up to this current date. I have since started working on my credit and working towards a vehicle. This is really hurting my credit and I just would like to know if the way everything is being shown to me is correct. Attached will be photos of what I can see and what I tried to have Experian correct. It is showing 120+ plus days late but yet the month before and month after are in green. I understand It is my financial responsibility to make payments on time.

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 2020-08-09 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: Synovus Bank
State: CA

Complaint narrative:
Please forward the information to Synovus Bank and First Progress. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
To Whom it May Concern : This is the second time I have had to report XXXX XXXX XXXX XXXX. I previously contested a fraudulent account made under my name, providing documentation that I was living out of the country at the time a card was opened in my name in the United States. XXXX XXXX XXXX continues to harrass me even after I disputed the account. I then filed a claim with your department and the claim was dismissed. At the same time they began sending me letters and calling me about an account from capital one. I also called them, and on at least three occasions requested the phone calls be recorded, and then asked them to send statements of the capitol one account to verify these were charges I made. They have failed over the last few months to provide proof, where the burden of proof that this account was mine has still not been fulfilled. They then sent me a letter of pre-legal notice saying to respond by XX/XX/XXXX. 
As previously stated I have asked for documentation from XXXX XXXX for several months, providing details of the capital one account. I am challenging their threatening practice as well as their right to sure when the have refused to provide me information before disputing the account. This account is stated to have been charged off in XX/XX/XXXX, during which I was also out of the country. I have already provided copies of my work XXXX from XXXX showing I was residing there from XXXX onwards. 
XXXX XXXX practices are unethical and I am requesting this matter be addressed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-09 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need to delete are listed in the report. I am a victim of identity theft. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commissions identity theft affidavit. Please delete the items as soon as possible.

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 2020-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
Last year, I was involved in an accident that negatively affected my ability to work and pay my bills. I exhausted my savings making sure I paid all bills on time until my savings ran out. That is when my credit payment history started to go down. I have rebounded and continued my good paying history and was advised to ask my lenders to do a good will removal of the late pays considering my payment history was excellent prior and returned to good standing. Many of my lenders honored my request. However, Fifth Third Bank and XXXX XXXX XXXX XXXX are only two stating the law requires them to reporting accurate information to the credit bureaus. This is true. However, the law also gives lenders the discretion to remove the late pays without prejudice. The couple late pays is not a good indication of my credit worthiness and that is what I have been trying to get them to accept. I had those accounts for over two years and only late 2 times due to the accident which affected my income. I feel the banks are intentionally denying my request so they can charge me higher interest rates and using that part of the law to justify their decision. 

I know the pandemic is going to negatively impact many people credit worthiness so the XXXX scoring model is preparing to implement the " Resilency Index ''. This scoring model will focus more on people payment history and not the late pays that will get reported because of missed payments. Once this model is release my score will increase. However, I feel these two banks are being unreasonable and hiding behind a portion of the law that benefit them. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CAINE & WEINER COMPANY, INC.
State: IN

Complaint narrative:
This company pulled my credit before ever contacting me, I learned about there attempt to collect via credit monitoring service. I have requested documents to confirm debt both by phone and certified mail. They have continued to call without providing proof of debt. They have also called family members related to debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09 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 — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I had student loans and was making payment on time up until a certain point ( payments were automatic, the card I was using expired and I never realized it ). Eventually the loans went into default. I was then put into another federal consolidation program which I have been current with payments up to this current date. I have since started working on my credit and working towards a vehicle. This is really hurting my credit and I just would like to know if the way everything is being shown to me is correct. Attached will be photos of what I can see and what I tried to have XXXX correct. It is showing 120+ plus days late but yet the month before and month after are in green. I understand It is my financial responsibility to make payments on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have 2 Hard Inquiries from the same Entity XXXX XXXX for XXXX XXXX XXXX XXXX for the Dates XX/XX/XXXX and XX/XX/XXXX ... 

The Hard Inquiry for XXXX XXXX was not Authorized. 

I already had a Car Installment Loan by the same Company for the Previous Year.

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 2020-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Block, Inc.
State: GA

Complaint narrative:
I click the app it ask me to log in???? I'm confused at this point because it also says create new cashtag so I kno its cash app error I still have all my web recipes I hope that helps had XXXX in my account you cant call anyone and support is threw email I need my cash back I'm goin all the way with this one

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
EXPERIAN ONLY erased ALL my credit history because I legally changed my name. I submitted an official copy of name change, social security and even birth certificate with old XXXX new driver license to all credit bureaus. Experian refuses to consider the legal proof I provided. Yet each time an inquiry comes through I am DENIED an apartment because they are keeping the 2013 eviction as part of my private file. This discrimination and I know that this could easily be corrected and I could at least have a place to decent live. Each apartment complex goes to Experian ... they need to submit in writing WHY the ignore my request but XXXX & XXXX accepted my legal court documents as legal proof of my past and present! 

Thanks for assistance in resolving this discriminatory act, that has me paid over {$350.00} in rental applications fees, decreases my credit score, denied apartments, purchase of cars, this must stop. I have spoken to EXPERIAN over 5 times including supervisor and no one seems to care or know how to handle this unfair act of discrimination based on name changes. 

Hard times are made to end when you work 2 jobs and create a XXXX, XXXX is unfair!!!!

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 2020-08-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: BBVA FINANCIAL CORPORATION
State: OR

Complaint narrative:
I faxed a request to close account with notarized statement and copy of My drivers license on XX/XX/2020. ..No response My personal bank XXXX XXXX XXXX XXXX XXXX Oregon Faxed a second request on XX/XX/2020No results A third request was Faxed on XX/XX/2020 No results A call was placed on XX/XX/2020 was promised a call back and I have not heard anything. My Account is with BBVA of XXXX aL If you need account # please call me at XXXX XXXX XXXX Please help I Don't Know what else to do. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Or XXXX Bank BBVA CompassXXXX XXXX XXXX XXXX Al XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09 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: AES/PHEAA
State: FL

Complaint narrative:
I was informed that my student loan fell under the Cares Act law which went into effect XXXX XXXX and were scheduled to expire XX/XX/2020. Today is XX/XX/2020. The negative report for my student loan was put on my credit report with XXXX, XXXX and XXXX. This is illegal considering the cares act law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MA

Complaint narrative:
XXXX dollars was taken from my account on a promise that goods will be delivered ... and those goods were never actually delivered. Hence I was engaged in fraudulent purchases I've tried to request a refund which has not been answered and I reached out to cashapp support so that they may help me and have not reached a conclusion. This person has has taken money from my account freely and has no intention of giving that money back. I was unaware that I was not protected from cashapp and would like to gain my money back and even help cash app identify these scammers using any information that I can give them. It was first a payment of XXXX dollars and then a payment of XXXX dollars. I feel foolish for trusting in the person, but I have proof that the person did not promise on any of the goods and has stopped all contact with me Please be aware of cashapp and theyre lack of customer service- it'll be a fight to get a chargeback from your bank. Currently in that fight and hope to get this resolved as quickly as I possibly can

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09 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: NJ

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$13000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account.

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 2020-08-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: HI

Complaint narrative:
an amount of {$220.00} was reported to a collection agency and then placed on my credit report. this amount was in dispute amd spoke to the collection agency that it was in dispute because the account was transferred to a different cellular phone company in XX/XX/2020 and they are charging me a bill for the month ofXX/XX/2020. it doesnt make sense. i want this removed from my credit report because i do not owe this amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: OH

Complaint narrative:
" PNC has made a change that prevents you from being able to link your accounts '' This change is keeping me from using my main source of funding to fund money market accounts. It is interesting that they say they do this for security, when they will allow your account to be connected to crypto-currency exchanges, but not an investing platform such as XXXX. This is hindering my ability to participate in the free market, and there is no reason for this restriction to exist as other banks perform these duties flawlessly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09 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: FL

Complaint narrative:
I was informed that my student loan fell under the Cares Act law which went into effect XX/XX/XXXX and were scheduled to expire XXXX XXXX 2020. Today is XX/XX/2020. The negative report for my student loan was put on my credit report with Equifax, XXXX and XXXX. This is illegal considering the cares act law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Newman, Hesse & Associates, P. A.
State: TX

Complaint narrative:
When I received my pay check notification from my employer XXXX XXXX, I was surprised to see that there was a creditor garnishment deducted from my pay. I have not received any notices, summons, etc. I called my employer 's pay check processor, XXXX who gave me the contact information of the company. After my request to cease the unknown garnishment, they told me their policy was to refer me to the company that submitted the Writ of Garnishment to them. 
I went to my local Human Resource department also and they are working with the Headquarters to seek resolution. 
I called the agency, XXXX XXXX XXXX XXXX XXXX, and asked about the garnishment. XXXX ( XXXX? ) told me this was for a check for {$18.00} to XXXX XXXX that was supposed to be written by me in XXXX ( 27 years ago ) and now it was a Judgement filed on it that grew to {$1200.00} with legal fees and 17 % compounded interest???. I was never given any notice about an NSF check, never on XXXX XXXXXXXX for a bad check. No notice-now or then! It seems like a scam that resulted in successfully getting my employer to allow an illegal garnishment. Had I been notified, I would have fought and disputed this fraudulent claim. 
In addition to no notice given, I live and work in Texas. This is not a garnishing state. When I said this to XXXX in our brief conversation, she simply said that 'he knows what he is doing and knows the law. ' When I researched on collection in Kansas, there is no Judgement that is extended more than 10 years with 10 year extension. This has been 27 years. 
Next, when I received the short detail sheet from XXXX on Friday XX/XX/XXXX ; it said that court was on XX/XX/XXXX. How is this??? This is fraud and I need assistance getting my money returned and to stop the garnishments immediately. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I can not link my PNC bank account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I took out a loan with my ex husband in XXXX. We divorced in XXXX. In our divorce decree, my ex husband was awarded the car. 

Once he took possession of the car, not only did he lie about being XXXX XXXX, he hid the car when Capital One tried to repossess it. He then agreed to settle for less than what is owed on the vehicle. 

This is causing my credit to keep me from obtaining a new vehicle. 

Capital One says I am still responsible for this vehicle. If I am responsible then why was I not notified about the settle for less agreement? If I am responsible for this vehicle, why does my divorce decree say different. 

I have tried multiple times to get this removed from my reports and Capital One refuses.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 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: CA

Complaint narrative:
I took out a loan with my ex husband in XXXX. We divorced in XXXX. In our divorce decree, my ex husband was awarded the car. 

Once he took possession of the car, not only did he lie about being XXXX XXXX, he hid the car when XXXX XXXX tried to repossess it. He then agreed to settle for less than what is owed on the vehicle. 

This is causing my credit to keep me from obtaining a new vehicle. 

XXXX XXXX says I am still responsible for this vehicle. If I am responsible then why was I not notified about the settle for less agreement? If I am responsible for this vehicle, why does my divorce decree say different. 

I have tried multiple times to get this removed from my reports and XXXX XXXX refuses.

Company response to consumer: Closed with explanation