vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-29 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: MD

Complaint narrative:
I haven't received any response within the allowed time provided by the FCRA to my dispute letters. The companies Experian & XXXX have not fulfilled their obligation to provide of the derogatory account ( s ) stated on 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 2021-06-29 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have mailed off several letters disputing all of the inaccurate information that continues to be reported to my credit report and is seriously affecting my profile. I have sent dispute letters to all Experian, XXXX, and XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have yet to receive any investigation results or correspondence to show that the errors on my report have been deleted or at least a status of the reinvestigation I requested. The specific accounts in total error that I disputed and that should have been deleted from my credit reports months ago are : the 3 inaccurate late payments on XXXX XXXX XXXX XXXX. The erroneous late payments are being reported for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, but the dates are inconsistent across each credit bureau. I have requested a reinvestigation and proof of how this information was verified with the original creditor and have received no results or proof of verification. This is unacceptable. The other erroneous accounts on my reports that I disputed are with XXXX for a {$0.00} balance, XXXX  XXXX {$0.00} balance, XXXX XXXX XXXX XXXX collection with balance of {$2200.00} lease is inaccurate. XXXX collection account with a balance of {$250.00}. Conserve collection account reporting inaccurate and inconsistent high credit limits across each credit bureau. XXXX XXXX XXXX collection with reporting balance of {$130.00} is inaccurate. And XXXX XXXX XXXX XXXX collection showing a date of last payment as XX/XX/XXXX is also inaccurate. 

The number of errors on my report, in addition to inaccurate spellings and versions of my name, inaccurate addresses, and duplicate social security numbers on my report are outrageous. I have disputed all of this and I have high concerns of being at risk for identity theft with the credit bureaus not taking accountability for their reporting errors and deleting this misinformation as soon as possible. I have received no reinvestigation results or removals of the information listed above that is impacting my credit scores.

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 2021-06-29 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: Nelnet, Inc.
State: NJ

Complaint narrative:
the following accounts are appearing on my credit report, without any authorization, they do not belong to me, it is hurting me Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

10. Identity Theft US DEPT ED Account Number : XXXX This is not mine. 

11. Identity Theft DEPTEDNELNET Account Number : XXXX This is not mine. 

12. Identity Theft XXXX Account Number : XXXX This is not mine. 

13. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

14. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

15. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

16. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

17. Identity Theft US DEPT ED Account Number : XXXX This is not mine. 

18. Identity Theft DEPTEDNELNET Account Number : XXXX This is not mine. 

19. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

20. Identity Theft US DEPT ED Account Number : XXXX This is not mine. 

21. Identity Theft DEPTEDNELNET Account Number : XXXX This is not mine. 
Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 
Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
the following accounts are appearing on my credit report, without any authorization, they do not belong to me, it is hurting me Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

10. Identity Theft US DEPT ED Account Number : XXXX This is not mine. 

11. Identity Theft DEPTEDXXXX Account Number : XXXX This is not mine. 

12. Identity Theft SANTANDER Account Number : XXXX This is not mine. 

13. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

14. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

15. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

16. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

17. Identity Theft US DEPT ED Account Number : XXXX This is not mine. 

18. Identity Theft DEPTEDXXXX Account Number : XXXX This is not mine. 

19. Identity Theft XXXX CARD Account Number : XXXX This is not mine. 

20. Identity Theft US DEPT ED Account Number : XXXX This is not mine. 

21. Identity Theft DEPTEDXXXX Account Number : XXXX This is not mine. 
Identity Theft 11 XXXX XXXX Account Number : XXXX This is not mine. 
Identity Theft XXXX CARD Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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: DISCOVER BANK
State: KS

Complaint narrative:
My card was declined even though I knew I had just paid the bill and was in good standing. I called Discover Card customer service and they told me they had closed the account because the Social Security office had reported me as deceased on XX/XX/2021. My husband did die on XX/XX/2021. Discover Card representative told me I could have the Social Security office conference them in and give them a verbal authorization, then they would simply reinstate the card. 

After several days of trying to reach the Social Security office, I still have been unable to speak to anyone who can take action on this. In the meantime, not only do I not have my husband 's survivor benefits, I also have no credit card. The soonest the Social Security office ( and apparently this must be done locally ) could speak with me was in a telephone conference on XX/XX/XXXX, nearly two months after his death. 

I am unsure at this time how many other of my credit cards may be affected although I know that my XXXX XXXX and XXXX XXXX cards were cancelled immediately. I pride myself on having excellent credit and this in addition to being unable to order things I need until an unknown future date is financially and emotionally a hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
I am not liable for this debt with CAINE & WEINER plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$280.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I have repeatedly asked for the signed application fro the year this account was open and have been refused this information This company bought the debt from another company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Advanced Collection Bureau, Inc.
State: FL

Complaint narrative:
I HAVE NEVER LIVE OR OPEN A ACOUNT WITH THIS COMPANY OR COLLECTION

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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: CA

Complaint narrative:
XX/XX/XXXX, I was placed on a deferred payment arrangement, for 24 months, totaling a monthly payment of {$3300.00} per month. My original monthly payment was {$2700.00}, before the deferred arrangement. 

I have continue to make my monthly payments on time, I have also made additional payments during this period of time. 

XXXX transferred my loan to their XXXX XXXX XXXX company in XXXX, therefore the situation only got worse. I have made hundreds of calls trying to address they're mistakes. 

1. They were not reporting payments made to the credit agencies. 
2. they reported me late in XX/XX/XXXX. 
3. They did not honor the deferred payment arrangement and reported me as late to the credit bureaus. 
4. My credit score has dropped 169 points. 
5 My mortgage states still shows the full amount of the deferred amount as due. 
6. They are also charging me for hazard insurance.

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 2021-06-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have been receiving COVID-19 payment assistance from Chase Mortgage, which has been very helpful. I received a letter stating that the assistance was ending XX/XX/2021, and that if I needed additional assistance, I needed to call ( XXXX ) XXXX. I need an additional extension of this assistance. When I called this number, I would be put on hold for five minutes, and the automated system would then say that the lines were too busy, and automatically hang up. I have been attempting to call for over a week now, and it is very frustrating. How can I reach someone to request an extension of my assistance? I am really worried because the deadline is tomorrow.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
In the fall of 2020, I needed a free credit report and went online to get one, using Experian*. After I submitted the information, the website stated that I could have it immediately, and not wait, if I agreed to sign up for a monthly service. The service could be cancelled by calling a phone number, so I decided to sign up. 

A month later, I tried calling their special number -- but it was always busy. 

Then I called again -- and entered all of the required information ( e.g., SSN, birthdate, etc ) -- and it would ask, " Do you want to cancel? If so, Press XXXX ''. Then I would Press XXXX, and it would say, " We need more information to process this '' -- and take me back to the very beginning where I needed to enter SSN and birthdate. I would do all of this, and once again, it would say, " We need more information ... .. '' Because of this 'infinite loop ', you never get to cancel!!

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 2021-06-29 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: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
In about XXXX of XXXX I was added as an authorized user on a credit card with my dad to help me build credit. However, a few months later, my dad and I went to our local Suntrust Bank branch to have me taken off as an authorized user. My dads credit is not the best and I wanted to avoid having a negative credit history. At the branch we signed a paper and the bank teller, XXXX XXXX, took my credit card and assured us I was no longer listed on the credit card. In XXXX of XXXX I began the process of buying a home. To my surprise, when my credit score was pulled, I was still listed as an authorized user on the same credit card and it was negatively impacting my credit score. So much so that I no longer qualified to buy a home. In XX/XX/XXXX, my dad and I went to the same branch to inquire the issue and have me taken off the card for good. The only thing the bank told us was that they would send me a letter in the mail stating I was taken off the credit card ; they said they were unable to provide me with any statement electronically. The letter was supposed to arrive within 14 business days and it never arrived. I called Suntrust and had another letter sent to me. However, that letter has also never arrived. I called Suntrust for a third time in early XXXX and was told they could no longer give me any information on that card since I was not an authorized user. Finally, my dad called and he was given the number of a contact in Executive services, XXXX XXXX, at Suntrust who was supposed to help get us that letter, but I have been unable to reach her. On XX/XX/XXXX my dad received a letter to his address, which is different than mine, addressed to me from Ms. XXXX asking me to give her a call. My dad and I have called numerous times and left numerous messages to her direct line at XXXX since XXXX and we have had zero luck. It is now XX/XX/XXXX and I am under contract to buy a home, however, we can not close unless I am able to provide a written statement that I am no longer on that credit card. I will lose this home if I am not able to provide a letter I should have received no later than XX/XX/XXXX. The housing market is extremely competitive and it is a miracle I was able to get my offer accepted at this point. Please help me get the letter so I can close on this home.

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 2021-06-29 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: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2021 at XXXX I received a phone call from XXXX calling me on behalf of my bank telling me that I can save on my interest rate with my " high '' balance [ they named my bank XXXX credit card. He said I'm paying interest as high as 26 % and he's been authorized to lower it, I replied I don't pay that. I asked the caller what company he was calling from. He would not say but continued on with his sales pitch. Then I asked him if he was with my bank to tell me what my balance was on my " high '' balance credit card with them. Again he would not answer. Again I asked where he was calling from. As I started to question him further he hung up on me. When I called the number back it was for Capital One. I do not have a Capital One account. I then went through various people to finally be transferred to a Supervisor and asked who was your Compliance Officer, which she would not say. I then asked her if this line was recorded. It was, for training purposes, excellent news. I proceeded to tell her that they are in direct violation of CFPB for Deceptive Marketing Practices and that they can be fined for this and that I had already filed a complaint with Do Not Call Registry and will be filing with CFPB. You can not call someone pretending to be from their bank and refuse to answer that question. I told her to make sure that you take this complaint directly to your Compliance Officer because this is a big problem with legal ramifications. do you understand what I just said. She said yes. I told her to go do that now. The regular consumer wouldn't know that the Dodd-Frank Act protects the consumer and that the CFPB regulates the industry, and I just did my training on it yesterday. To bad for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
I am not liable for this debt with NCB MANAGMENT SERVICES plus they did not provide me with the original application like I asked. 

Account No:XXXX  Amount Disputed : {$2600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF THE WEST
State: AZ

Complaint narrative:
I opened an account with the bank of the west and had a bill payment scheduled for XX/XX/XXXX to be paid to XXXX. It was not sent/received by XXXX  till XX/XX/XXXX causing a {$40.00} late charge that was waived by XXXX as a courtesy. I was also charged a $ XXXX  monthly maintenance fee that has been credited every month with the exception of XXXX. I tried to call the bank to discuss the missing bill payment and was on hold 2 hours. I finally hung up. I'm closing this account and requesting a {$25.00} check reimbursed for the non disclosure of the {$25.00} maintenance fee. Also a written response sent to my home address.

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 2021-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. BANCORP
State: PA

Complaint narrative:
I have repeatedly asked for the signed application fro the year this account was open and have been refused this information This company bought the debt from another company.

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 2021-06-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ERC
State: TX

Complaint narrative:
On XX/XX/2021, at XXXX XXXX  ERC called me asking me to verify my identity. After asking the representative several times who she was calling on the behalf of, she stated ERC. I wasn't familiar with the acronym ERC. I then ask her what did ERC stand for, she demanded I verify my identity before she would give me any more information. 
After the phone call ended I did research and found that the company ERC was a debt collector. According to 15 USC 1692c ( a ) without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 USC 1692c ( 1 ) At any unusual time or place or at time or place known or which should be known to be inconvenient to the consumer.

15 USC 1692c ( 3 ) At the consumer place of employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores.

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 2021-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I had a XXXX XXXX  credit card with XXXX. Due to the Pandemic and loss of a job I wasn't making my full payment. They sold my account to Midland Credit Management. I started making payment to them on XX/XX/2021 and was making them every month ( made 2 payment in XXXX XXXX. Than I get a letter that states payment for the full amount or seek a lawsuit against me. I called and gentleman told me they have NEVER receive any payments from me and that I owe the full amount. I told him I'm have cancelled checks! I tried again to speak with someone to resolve this, but they stated THAT I'm lying that they've never received any payments. But, I could stop them from suing me if I paid the full amount! I'm on unemployment, there NO way I can come up with {$3300.00} dollars right now and I think they know it. So, if they sue me in court they will get a bigger judgment against me. Now they have in fact filed a lawsuit against me for the full amount with no payment taken out! I have the canceled checks front and back! They are NOT interested in taking payment they only want the FULL amount right now!

Company response to consumer: Closed with explanation