vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-20 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: VA

Complaint narrative:
To whom it may concern, I'm writing this letter to request that the charged off XXXX XXXX Business Credit Card ( Account # XXXX ) be removed from my personal credit file based on the following : - Business credit is in fact separate from personal credit. Therefore, the two should not be in one file. 
- To the best of my knowledge, I've never been given an opportunity in writing to dispute the debt ( e.g. interest charges, other charges etc. ) nor that this business credit account would be appearing in my personal credit file. 
- On XX/XX/2016 I'd began living in XXXX, and was not in XXXX to receive any mail by US mail. My address at the time was XXXX XXXX XXXX XXXX XXXX  XXXX. I have attached documentation as proof. Since I wasn't there, there is no guarantee that I could have even gotten any more or that it wasn't intercepted by someone else like my ex-wife. 
- By the time I found out about this, it was certainly already too late. 
- Since that time, I have actively been working with XXXX XXXX to resolve the matter of this debt. The card had a high balance of approximately {$9800.00}. I have paid most of this debt to date, leaving a balance of just {$1400.00}.

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 2019-09-20 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: VA

Complaint narrative:
To whom it may concern, I'm writing this letter to request that the charged off XXXX XXXX XXXX Credit Card ( Account # XXXX ) be removed from my personal credit file based on the following : - Business credit is in fact separate from personal credit. Therefore, the two should not be in one file. 
- To the best of my knowledge, I've never been given an opportunity in writing to dispute the debt ( e.g. interest charges, other charges etc. ) nor that this business credit account would be appearing in my personal credit file. 
- On XX/XX/2016 I'd began living in Virginia, and was not in GA to receive any mail by US mail. My address at the time was XXXX XXXX XXXX XXXX VA XXXX. I have attached documentation as proof. Since I wasn't there, there is no guarantee that I could have even gotten any more or that it wasn't intercepted by someone else like my ex-wife. 
- By the time I found out about this, it was certainly already too late. 
- Since that time, I have actively been working with XXXX XXXX to resolve the matter of this debt. The card had a high balance of approximately {$9800.00}. I have paid most of this debt to date, leaving a balance of just {$1400.00}.

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 2019-09-20 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I filed a dispute with all 3 credit bureaus. The incorrect information was not changed on my credit report. I emailed PRA on XX/XX/2019 letting them know that the account needed to be removed and informing them of the correct information. Still after this the account came back to the credit bureau as correct. PRA is reportint two accounts on my credit incorrectly. One for {$550.00} and the other for {$1300.00}. They are reporting seriously past due as a payment status and they are not an OC. They are a debt collector. Collectors can only report collection accounts. They are reporting a past due amount and they are a debt collector. They are reporting terms of 1 month. I have never agreed to terms with this company as they are a debt collector, no such contract exists and debt collectors can't report open terms. They are also reporting failed payment history. There is no payment history as they are a debt collector not an OC. These two accounts need to be removed from all 3 of my credit reports as I have notified the companies of their violations and they have refused to fix them. They are also reporting that they are correct. They are updating failed payments monthly which is also a violation as they are a debt collector and are causing further damage to my credit. I mailed documentation to them XX/XX/2019 showing the inaccuracies with a letter asking them one last time to correct these immidiately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC
State: MN

Complaint narrative:
I just recieved this letter from XXXX XXXX XXXX which is talking about an account with XXXX, XXXX now with Cavalry SPV I , LLC. I already informed XXXX of this account, that it was as a result of ID Theft and they stated to contact the collection agency it's " sold '' to and I have been unable to reach anyone there.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was never late 30 days on this account and i have tried to resolve this with capital one and to come to resolutions but never happened

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I currently have a 5 year ARM mortgage and a HELOC with Santander Bank. I owe {$710000.00} on the mortgage and have accessed {$260000.00} of a $ XXXX HELOC. In XXXX of this year I applied to XXXX XXXX XXXX to get an interest only mortgage for {$980000.00} - this amount being the balance on my mortgage in addition to the HELOC balance. I was granted the interest only mortgage. I called Santander bank to tell them I was doing this which they told me was OK. I wanted to keep the HELOC open. I asked them for written approval to which they said 'It 's OK you are on a recorded line '. I relayed that information to XXXX  XXXX XXXX who subsequently started the mortgage subordination process. Five months later we are still awaiting approval at Santander. I have been in regular touch w XXXX who tell me that Santander are deliberately holding this up against my will and are not responding per guidelines. I have called the Santander subordination team on multiple occasions who tell me this is awaiting approval with the underwriter. Meanwhile it is likely XXXX XXXX XXXX will not be able to match the terms they previously granted me so I am officially lodging this complaint.

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 2019-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Mr. Cooper Group Inc.
State: MI

Complaint narrative:
In XX/XX/XXXX we filed chapter XXXX bankruptcy. We made 36 payments and completed those this spring. Discharge was XX/XX/XXXX. Nationstar/Mr Cooper now has reported late mortgage payments every month from XX/XX/XXXX thru XX/XX/XXXX. I paid XXXX a monthto a trustee who dispersed it. I dont think they can legally report late payments during that bankruptcy time, can they? The disbursement of those was totally out of my control. I am trying to buy a house and the loan was all set to go but the credit report cant show late payments during that timeframe to get financing. The bankruptcy attorney says she can not do anything to fix it. My report in XXXX did not show those but they pulled an updated one this week and those showed up. Can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: UHG, LLC
State: WI

Complaint narrative:
My mother received a voicemail on XX/XX/XXXX from XXXX XXXX at XXXX XXXX XXXX ( based in New York ). In the message was my information and a mention of a civil lawsuit, with charges of Malicious Intent to Defraud a Financial Institution, Theft, among other things surrounding a debt from XXXX. My mother brought this call to my attention. We both assumed it was a scam, but I wanted to follow up anyway, just in case. I had a plan to get enough information from them to verify that it was a scam and be done with it. 

On XX/XX/XXXX I called XXXX XXXX and he expressed concern about this debt, asking for my side of the story. He said that although my original loan was {$800.00}, interest and other charges brought my account up to $ XXXX.He mentioned that I would be being served if I did not pay a settlement of {$1800.00} today. Somehow he had a TON of details about this particular account of mine ( exact amounts, dates, my employer at the time of the account, etc ), enough to make me feel as though this attempt at taking my money was not a scam. I began to get upset and mentioned that I did not have that amount, but that I could possibly call a relative to help me. He asked for their name and phone number ( in case he needed to verify their information when they call ) and told me to call them. The call ended. 

While I was beginning to doubt my certainty that this was a scam, there were a ton of red flags still. So, now that I knew what account and company I was dealing with, I checked my credit monitoring service and then the company website itself ( XXXX ). I couldn't remember my login information with them, so I spoke with someone via live chat and explained that I wanted to make sure this debt collector was legitimate. The representative was extremely helpful and transparent and explained that they would never make threats of court or anything like that, and that this person was trying to scare me out of my money ( and way more than what I even owed ). They told me my loan had been sold off and gave me information for the actual company who now had my account. I was so thankful and glad I checked.

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 2019-09-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2019 I applied for a XXXX XXXX Chase Freedom Credit Card and got approved. Upon receiving my credit card application approval, on another day, I was told that my account was closed ; supposedly because I have a poor credit history which isn't true and I feel I have been discriminated. I have had a credit card history for over 13 years with not a single late payment and always paid my debt. The other problem I have is they have lowered my credit because now on my credit report it shows that I have opened a credit card and it was closed from the credit grantee of which will surely affect me in doing business with other banks. This type of bad business practice should be stopped. They need to do the work before approving then deciding to have the account recorded to close while card is on its way.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20 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: GA

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
I logged in to my Navient account after receiving a new payment coupon book this week of XX/XX/2019. Within my online account I saw that Navient had applied a forbearance to my account that I did not submit an application for, and it was a " disaster '' forbearance. I have not experienced a disaster. Navient said they would provide a response within 2 business days, but they have not responded. Navient also applied my XXXX payment to " capitalized interest '' instead of the monthly payment due for XX/XX/2019. In addition, within the new coupon book my payments were lowered but there is no explanation for why. Based on past difficulties with this company I am afraid to pay the lower amount in case it is another error and then they will say my " full '' payments were late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20 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: WY

Complaint narrative:
XX/XX/2019 Dear Sir or Madam : I am writing to dispute the following information in my credit file. The item Im disputing is XXXX XXXX XXXX credit card account ending in XXXX, as reported by XXXX XXXX  XXXX XXXX XXXX XXXX, Ohio XXXX. 
This charger off, account record is inaccurate, I am requesting that the account be deleted. And no longer reporting. 
Please investigate this matter and correct the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20 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: Bread Financial Holdings, Inc.
State: WY

Complaint narrative:
XX/XX/2019 Dear Sir or Madam : I am writing to dispute the following information in my credit file. The item Im disputing is Victorias Secret Angel credit card account ending in XXXX, as reported by Comenity Bank XXXX XXXX XXXX XXXX, Ohio XXXX. 
This charger off, account record is inaccurate, I am requesting that the account be deleted. And no longer reporting. 
Please investigate this matter and correct the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20 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: OH

Complaint narrative:
My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XXXX. I need my name and the late payments removed from my credit report. Capital One XXXX account the was closed for XXXX XXXX XXXX I am not financially responsible for this account or the status of this account. Please delete the late payment at one from my credit file please and Thank You.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-20 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: Credit Plus Inc
State: WY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, PA XXXX To whom it may concern : While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following company : 1. CREDIT PLUS XXXX XXXX   XXXX , MD XXXX ( XXXX ) XXXX Made by : CREDIT PLUS XXXX XXXX XXXX , MD XXXX ( XXXX ) XXXX 2. XXXX XXXX   XXXX, FL XXXX ( XXXX ) XXXX I did not authorize anyone employed by these companies to make any inquiry or view my credit report. This is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with documentation associated with these accounts, bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature. I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. ( XXXX ) XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
THE FOLLOWING INQUIRIES ARE ON MY REPORT THAT WERE PUT THERE ILLEGALLY, AND THEY WERE UNAUTHORIZED : XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX LOANS ALSO XXXX XXXX XXXX SHOWING UP TWICE ON THE CREDIT REPORT, WHEN THIS ITEM WAS REPORTED AS FRAUD.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Unauthorized/fraudulent transaction I am a customer of Bank of America, and on XX/XX/2019, a fraudulent transaction in the amount of {$100.00} was posted to my checking account. Since I had just made an ATM cash deposit in the amount of {$92.00} and noticed that my available balance was - {$0.00}, I went inside of the branch and spoke with a customer service representative who told me to call Bank of America Fraud Department and file a claim and go back to the teller to get my cash deposit in the amount of {$92.00} refunded while the fraudulent transaction is investigated. I contacted Bank of America Fraud Department and filed the claim, however the representative did not reverse my cash deposit. I spoke again with the branch manager and he asked me to call again and ask for the funds to be released, so he could refund me my cash deposit. I was connected with a representative named XXXX in XXXX, AZ who refused to reverse my deposit transaction and kept saying that the fraudulent transaction could not be reversed. I asked to speak with a manager in that department and was connected with XXXX, who also refused to reverse the deposit transaction. He told me that I would have to wait ten days for the transaction to be processed.

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 monetary relief
Consumer complaint received 2019-09-20 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Accelerated Receivables Solutions
State: TX

Complaint narrative:
This account has been deleted form my XXXX credit account and XXXX Credit Account. Now its on my XXXX Credit account again. I Contacted XXXX and I was told once deleted it could not be put back on my credit report I have disputed it, and it comes back with ( remains the same ) no change on explanation. 


I want this account to be removed and deleted from getting put back on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XXXX. I need my name and the late payments removed from my credit report. XXXX XXXX XXXX account the was closed for XXXX XXXX XXXX I am not financially responsible for this account or the status of this account. Please delete the late payment at one from my credit file please and Thank You.

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 2019-09-20 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: OH

Complaint narrative:
My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XXXX. I need my name and the late payments removed from my credit report. XXXX XXXX XXXX account the was closed for XXXX XXXX XXXX I am not financially responsible for this account or the status of this account. Please delete the late payment at one from my credit file please and Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20 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: OH

Complaint narrative:
My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XXXX. I need my name and the late payments removed from my credit report. XXXX XXXX XXXX account the was closed for XXXX XXXX XXXX XXXX am not financially responsible for this account or the status of this account. Please delete the late payment at one from my credit file please and Thank You.

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 2019-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
THE FOLLOWING INQUIRIES ARE UNAUTHORIZED AND ARE ILLEGALLY ON MY REPORT : XXXX XXXX XXXX XXXX XXXX C/O  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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