vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-31 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: Eastern Account Systems of Connecticut, Inc.
State: GA

Complaint narrative:
Eastern account system has an account on my credit report that does not belong to me. Enclosed is the copy of the complaint and account information that I sent to Eastern.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I had notified TransUnion LLC. about incorrect information on my credit report on XX/XX/XXXX. XXXX the first attempt, XX/XX/XXXX. the second attempt and XX/XX/XXXX. the third attempt then I called TransUnion LLC. on XX/XX/XXXX. and spoke with XXXX who stated that this would be corrected and that he would note the acct. as C7 and that he seen my accounts are all in good standing as A9 the last time. I stated that XXXX Partial acct # XXXX ... .. as stated before on XX/XX/XXXX and XX/XX/XXXX that I was never late or past due for 30 days on these noted dates and to please correct this inaccurate information to paid ok on these dates to reflect the truth and accuracy of my payment history. I had requested a updated full credit report to reflect these changes which I had never received the report and only received a letter stating that their investigation was complete on XX/XX/XXXX and that this account was verified which turns out that I was told a Lie because, I contacted the creditor direct by phone and they stated they had not spoken to TransUnion LLC. and they do not even understand why my credit report would reflect late payments when I was never late in my payments. I have told TransUnion LLC. this information told to me by the original creditor but, TransUnion LLC. has still not taken any action or even supplied me with any Validation of information, evidence, proof and steps as well as who they claim they spoken with at XXXX. TransUnion LLC.Credit Bureau is required by the Fair Credit Reporting Act to furnish me with this information requested by the consumer and they did not do so which is in clear Violation of FCRA rules. TransUnion LLC. is currently still listing inaccurate information on my credit report and is in Violation of FCRA rules that states the information by Credit Bureaus must be 100 % accurate, and it is not so please correct this information or it Must be Deleted from my Credit File per FCRA.

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 2020-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Barclaycard Rewards MasterCard ending XXXX I switched to paper statements because I was in the hospital due to my health and not able to access the internet online. I notified the company several times that I have not received any paper statements over the last 6 months.

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 2020-07-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Advance Bureau of Collections
State: GA

Complaint narrative:
I visited XXXX XXXX XXXX for an XXXX XXXX XXXX. When I booked my appointment, my insurance was verified and it was understood my copay is {$5.00}. Following my visit, when XXXX XXXX XXXX file insurance claim, they changed the billing code to other than XXXX XXXX XXXX. I have informed the XXXX XXXX XXXX XXXX of this billing error, and was told it was going to be corrected I suspect insurance fraud, since the billing is not what was my visit for.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 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: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
On XX/XX/2020, my credit card account at Wells Fargo was closed due to reasons unknown. I've made 100 % of my payments on time and have had the account for many years. Wells Fargo did not send me any notifications that my account would be closed and gave me ZERO notice. I tried calling Wells Fargo 4+ times over the past couple of days to figure out what happened and each time I was forwarded to a number that would put me on hold for 25 minutes before ending the call and hanging up on me. This account was one of my oldest credit accounts which made my credit score drop significantly when it was closed for no reason. Now I can not get an apartment lease or mortgage because of the impact it's had on my credit score.

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 2020-07-31 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: I.C. System, Inc.
State: GA

Complaint narrative:
IC Systems has an account on my credit report that doesnt belong to me. Enclosed is a copy of the complaint I sent to IC Systems.

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 2020-07-31 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: The CMI Group, Inc.
State: GA

Complaint narrative:
Credit Management LP has an account on my credit report that doesnt belong to me. Enclosed is a copy of the complaint I sent to Credit Management LP.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Terrill Outsourcing Group
State: AZ

Complaint narrative:
In 2018, I had received an 6 months interest free loan from XXXX XXXX XXXX for {$740.00}, which has been paid in full. XXXX   assessed late fees on the account ( and compounding interest upon those ) and the cause of late payment was multiple rejected payments from their financial services department due to an unaccepted payment type. 

I made a {$240.00} payment on XXXX and a second payment of {$500.00} on XXXX. The second payment was rejected by XXXX XXXX XXXX due to a payment type of 'virtual card mailed ' not being an accepted form of payment. I had issued the payment first payment from my XXXX and the second from my XXXX. At the time, I didn't know that the payment had been rejected, I just saw that the payment had been issued from my XXXX/XXXX and XXXX XXXX  customer service department had called me to tell me they hadn't received payment. So I coordinated with my XXXX distributor and issued payment again on XXXX, which was again rejected. After multiple phone calls between both the XXXX company and XXXX, I was able to get a number to XXXX XXXX financial services department and finally to understand that the payment type was the problem ( during all of the calls I placed to or received from XXXX   never told me that this was the problem until I was able to speak with their financial services department ). I coordinated with the XXXX distributor and issued the payment again on XXXX. This time it was accepted. 

I continued to receive phone calls and had multiple discussions with collections at XXXX and explained the situation, but they refused to dismiss the late fees and associated compounding interest. On top of that, I've received thousands of dollars of loans from XXXX in the past and had paid each one on time, until this situation. 

Over a year later, I am now receiving calls and mail from a second debt collector, after having provided written dispute to the first debt collector that included payment dates, payment reference numbers, and the contact information to my XXXX company. Not only has my credit been affected but my family members have received collections calls and been harassed for over a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I spoke with XXXX XXXX yesterday about an account that was opened in XX/XX/XXXX and closed in XX/XX/XXXX. They continue to report late payments even though the card is paid in full and closed. 

This last time they reported 120 day late payments every month from XXXX. This is having a substantial and negative impact on my credit score. 

I have spent 3 years trying to resolve these issues. They continue to report as if my card were open and I am making late payments. 

I asked them to look into this account and why it is reporting late and they say the can not find the account and that there is nothing they can do. 

The told me that all I can do is dispute it with TranUnion. 

I told them that they are reporting it to TransUnion so they need to fix the problem and stop reporting late payments. They refuse and they will not take responsibility for their problem and fix it. 

Please help me resolve this issue so XXXX XXXX doesn't continue to report late payments on an account that was paid in full and closed more than 10 years ago. 

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 2020-07-31 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit International Corporation
State: WA

Complaint narrative:
XXXX XXXX threatened to sue me for a debt. This was not even owed by me. I got numerous emails threatening to sue and calling themselves investigators just to appear threatening.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 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: CA

Complaint narrative:
XXXX XXXX Inquiry date XXXX I sent a letter they never responded to show proof according to the fair credit act

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 2020-07-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : DEPT OF EDXXXX, XXXX  XXXX XXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX  XXXX XXXX. XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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
Consumer complaint received 2020-07-31 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: CT

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : DEPT OF ED/XXXX, XXXX  XXXX XXXX, XXXX XXXX Company Inquiries : XXXX  XXXX XXXX  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
Consumer complaint received 2020-07-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the payment history from your company. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 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: NAVY FEDERAL CREDIT UNION
State: CT

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the payment history from your company. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX Shellpoint Mortage Servicing Loan # XXXX XX/XX/2020 received Annual Escrow Assessment Statement that indicated shortage of {$290.00}, that statement included a coupon specifically to pay this shortage in full in order to keep my monthly payment at {$540.00}. I used that coupon and remitted {$300.00} on XX/XX/2020. 

They acknowledge receipt on XX/XX/2020, but billed {$560.00} for XX/XX/2020 I have asked that that fee be removed several time but they keep saying they are " looking into this complicated matter '' XX/XX/2020 correspondence saying " your current payment amount is {$540.00} '' XX/XX/2020 corrrespondence now says although they credited my Escrow Shortage payment XX/XX/2020 they " can take up to 2 billing cycles to " re-analyse '' and in the meantime they expect payment of {$560.00}!

Nowhere on the original communication does it indicate that paying the Escrow Shortage ( clearly to maintain lower mortgage amount ) with their coupon, by their imposed due date, is giving them funds to hold for 2 billing cycles to " re-analyse ''. Allowing them to charge unearned " Fees/Charges '' Please see 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 2020-07-31 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I was informed by my bank lender that I was not approved for a home equity loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : DPT ED/XXXX, DEPT OF  ED/XXXX, XXXX XXXX XXXX, U S DEPT OF ED/XXXX, XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX/XXXX/XXXX  XXXX/XXXX   XXXX  XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My account had fraud in XXXX of 2020 After my car was broken into. I Immediately contacted Chase to report what happened. A week later whomever stole the bank cards and ID went to several chase drive thru banks and presented my ID along with hand written withdrawal slips that Chase provided the account number for. A total of 21 transaction were made to 5 different accounts in which Chase tellers provided the thieves the account number to each account. Then I opened a new account ... .they gave that account number to the thief again. THe executive office got involved I eventually got my money back a HUGE inconvenience and so violating.

Today I open my mail only to find that this has happened again. Luckily I moved my money from chase be cause I can not trust them, however they were able to deposit a forged check then do a withdrawal slip with a signature of XXXX XXXX and Chase gave them the funds and my account again, I had to get a new identification number in which I took to chase ... ..How does this happen PURE NEGLECT from CHASE.

I have included the police report and the most recent withdrawal transaction. This is just not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Account ending XXXX I switched to paper statements because I was in the hospital due to my health and not able to access the internet online. I notified the company several times that I have not received any paper statements over the last 6 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: UT

Complaint narrative:
Missed a payment due to the Nordstrom website not allowing payments. I was unable to connect to a phone and make the call. I was able to access the website via my computer but the website was broken and not allowing me to make a payment. Hoping to dispute these charges and get them removed to have less of an impact on my credit score when it was the company 's fault where I wasn't able to make a payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-31 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Happy Money, Inc.
State: TX

Complaint narrative:
Payoff indicated that my online application was approved for an offer and requested that I submitted the required documentation to complete the process, which I did. I didn't have any followsup from Payoff regarding the status of my applications. The offer was valid until the beginning of XXXX and I had made several attempts to get this resolved espcecially since they had sensitive information. Payoff had a representative named XXXX who lied and said that there were credit freezes on my credit reports which they weren't as of today. He also lied and said that Payoff submitted emails this past month showing the status of my application which was a lie as well.

Company response to consumer: Closed with explanation