vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-07 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: BCB Investments LLC
State: IL

Complaint narrative:
A Alliance Collection AG is calling us on a daily basis harassing us to collect a debt. I was renting an apartment and wanted to leave the place two months prior to the lease end. I tried talking to the landlord that I am willing to give up my security deposit and was willing to help them find another lessee for them. According to the contract, we had to provide a notice two months prior to renewing the contract if we are not going to renew the lease, which we did. However, I did not want to live there anymore and wanted to leave the place. Landlord did not do much effort to find another lessee and therefore they sent the account to the collections. Since XXXX, 2018, the A Alliance Collection AG has been constantly calling and harassing us through phone calls. I tried negotiating with them several times but they were not willing to lower the amount. As a result, they call us multiple times on my wife 's cell number, my cell number and at our house phone demanding for the money. I have told them to stop calling us and limit the communication to mail only but they have ignored all of my requests. I am fed up of their constant daily harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07 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: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
On XX/XX/2019 I paid the full outstanding balance of {$6400.00} still showing to all the reporting Credit Bureau Balance!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RGS Financial, Inc.
State: CA

Complaint narrative:
Closed account and returned cable box by mail thru XXXX. They continue to try and charge what is not owed to XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
There a capital one credit card on my account I never apply for it I need it to be remove from my account I talk to them and that act like they dont see it and it showing up on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
Dear CFPB, On XX/XX/2019 we had a FIRE in the lower level of our home. The fire has cause $ XXXX {$85000.00} in damages. We immediately called Wells Fargo to inform them of the situation and asked what help they could offer. They offered a forbearance on the loan. They failed to inform us they were gon na report negative information on our credit report, we have been paying the payments every since and have paid them on time. The person we were dealing with said they would have our credit fixed do to the matter. They continue to report us negatively on our credit making our scores go below 500 from above 700 's. 
They keep saying they are gon na fix it and don't. We are still trying to fix our house and deal with the insurance company. During this time they eve threatened foreclosure when we have done what they have asked us to do and kept our side of the deal. 
All of this happened during a snow storm in the whole month of XXXX. 

They have done nothing but making this process horrible, and embarrassing, exhuasting etc.

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 2019-09-07 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: PA

Complaint narrative:
On XX/XX/2019 I paid the full outstanding balance of {$6400.00} still showing to all the reporting Credit Bureau Balance!

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 2019-09-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eastern Account Systems of Connecticut, Inc.
State: VA

Complaint narrative:
I requested validation of the debt. The company sent me a screen print of the purported debt from its own computer system. It has not sent me any contract between myself and the alleged original creditor, and it has not provided me with any statement sent to me by the creditor. I do not owe this debt, and a screen print from the company is insufficient validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07 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: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

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 non-monetary relief
Consumer complaint received 2019-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX I used XXXX to pull all three of my credit reports. I noticed that my credit card was mistakenly marked as closed around XXXX of XXXX on my reports. 

The credit card is a XXXX XXXX XXXX XXXX XXXX XXXX XXXX that was originally issued around XXXX. 

I have been using my card continuously both before XX/XX/XXXX and to the present ( most recently the morning of XX/XX/XXXX ) so I know that the card is not cancelled, and I have been making 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 2019-09-07 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: MN

Complaint narrative:
Experian is refusing to delete a fraudulent lease debt from my credit report. They also continue not to throughly investigate disputes, if they had they would be aware that this fraudulent activity was removed/Expunged from public record as well as Experian databases in XX/XX/2018. Which was a direct result of me taking the Debtor to court and winning my case. I have sent uploaded official documentation from the housing court stating there are no adverse lease judgments against me nor has there ever rightfully been. Yet, Experian has made no attempt at removing this false and fraudulent information.

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 non-monetary relief
Consumer complaint received 2019-09-07 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: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the Equifax breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the Equifax breach as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX I used XXXX to pull all three of my credit reports. I noticed that my credit card was mistakenly marked as closed around XX/XX/XXXX on my reports. 

The credit card is a Visa XXXX XXXX XXXX XXXX XXXX XXXX that was originally issued around XXXX. 

I have been using my card continuously both before XX/XX/XXXX and to the present ( most recently the morning of XX/XX/XXXX ) so I know that the card is not cancelled, and I have been making payments on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I used XXXX to pull all three of my credit reports. I noticed that my credit card was mistakenly marked as closed around XX/XX/XXXX on my reports. 

The credit card is a Visa XXXX XXXX XXXX XXXX XXXX XXXX that was originally issued around XXXX. 

I have been using my card continuously both before XX/XX/XXXX and to the present ( most recently the morning of XX/XX/XXXX ) so I know that the card is not cancelled, and I have been making 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 non-monetary relief
Consumer complaint received 2019-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX a complaint was filed for fraudulent use of my checking account for non Chase atm fees for {$310.00}. Chase failed to notify of additional information needed I called XXXX at XXXX est and was disconnected during a transfer to claims I called back at XXXX est I asked for a supervisor the female XXXX in XXXX denied a supervisor disconnected the call in my face, told me to get a supeona and police report to prove I did not complete the transaction talking over me I had to ask her to be quiet. In the conversation told me a letter was sent XX/XX/XXXX well really smart of Chase to send something via mail no call no email during a active declared state of emergency when no mail was being delivered and I have yet to receive. She was the rudest person Ive ever dealt within a already stressful matter. I begin to raise my voice and become angry and asked if Chase recent drug bust have anything to do with this dishonest act of lack of communication putting my acct in the negative I called back only to get total different information that the decision was final and nothing I can do to overturned the decision. 

This entire situation has been completely stressful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
XXXX XXXX XXXX  XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$2800.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2014 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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 non-monetary relief
Consumer complaint received 2019-09-07 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GREAT LAKES
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
MyfirstcomplaintisthatExperiankeepspostinganincorrectaddress.Thereisnothingontheircomplaintsitetoaddressthis.TheyhaveacorrectaddressbutincorrectUnitnumber.

MysecondcomplaintisthatExperiankeepsyo-yoingmycreditscorefromXXXX+downtoabout790.Ihaveneverhadalatecharge,havealwayspaidmybillsinfull,haveafairlyminimumusageofcredit,etc.Iamthesameperson,payingthesamebills.Thishasbecomeridiculous.

Additionally,Experianistakingadvantageoftheirbreachand"freecreditmonitoring''toconstantlytryandsellmecreditcardsandotherservices.Itisinappropriateandannoying.

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 non-monetary relief
Consumer complaint received 2019-09-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
CAPITAL ONE BANK USA N is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$2800.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2014 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$2800.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2014 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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 2019-09-07 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: UT

Complaint narrative:
Dear Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2019-09-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: DISCOVER BANK
State: OR

Complaint narrative:
I am attaching a rather lengthy PDF document describing the extreme difficulties/issues I am having to deal with because of the blatant errors caused and created by Discover Card ALONE in what should have been a simple Bank Transfer. I have been lied to repeatedly ; and given wrong information on multiple occasions. 

When applying online for a Balance Transfer with Discover Card, one does not know how much their Credit Limit/Credit Line will be ; so when filling out the online form, there are numbers from approximately ( 1 ) to ( 4 ) where one can list their credit card debt in the order of their importance ( with # 1 being assumed to be the first choice ).  Therefore, in my case, I listed XXXX XXXX XXXX as my # 1 Priority for a Balance Transfer. Unfortunately, Discover Card processes one 's online application immediately ; even before the Credit Limit/Credit Line has been determined ; and leaves it up to their computer system to identify the lowest level balance ; and pay that balance off in full first ( if possible ). Therefore, again in my case, no one at Discover Card ever explained this critical piece of the puzzle to me. Unbeknownst to me, even after I had discussed my crystal clear instructions to a live Discover Card Customer Account Manager to apply the full amount of 95 % of my Discover Card Credit Limit/Credit Line balance to XXXX XXXX XXXX, this particular employee apparently just chose to let the computer decide for me ; without telling me or even discussing it with me! Had I been told of this computer system policy, I would have immediately cancelled my Balance Transfer Request! Apologizing for the fact a Discover Card Customer Account Manager answering the phones failed to disclose that critical piece of information to me before any Balances Transfers were made is a gross oversight and unconscionable on the part of a purportedly reputable Financial Institution. Financial Institutions like Discover Card have a fiduciary responsibility to all of their Customers to thoroughly train their Employees in all of the nuances involved in facilitating any number of different financial banking functions ; with NO exceptions! Apologizing after the fact for an employee making a mistake involving either a lack of training and/or a lack of banking knowledge or of specific banking products is a totally unacceptable financial business practice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have filed a complaint before about the fraudulent addresses on my credit report. I do not live at these address and I need them removed they are not accurate : XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX   XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX. 
I requested some form a contract we verification on this 3rd party  collection account that I have never done business with XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX {$1200.00} I was informed federal law requires that credit bureaus provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete you may have violated federal law. I don't know how many times I have to keep asking for the proper paperwork I have not received anything and its been longer than 30 days!!

Company response to consumer: Closed with explanation