vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-31 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: S&N Debt Solutions, LLC
State: NC

Complaint narrative:
Beyond Finance placed a hard inquiry on my credit report on XX/XX/2018. I was told this would be a soft inquiry to see where my credit stood. Once i pulled my XXXX   report i fond the hard inquiry. I have sent a letter to Beyond Finance to remove but they have not responded and i also called them on XX/XX/XXXX but did not receive the call back that was promised. 
Thanks, 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 2019-07-31 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: The Outsource Group, Inc
State: FL

Complaint narrative:
This is my third time submitting this dispute. 
COMPLAINT # XXXX COMPANY STATED THEY COULD NOT VERIFY MY IDENTITY, PROVIDED MY LAST 4 OF SOCIAL AND FULL NAME TO COMPLAINT # XXXX. MEDICREDIT INC IS REPORTING ON MY CREDIT A TOTAL {$1900.00}. i HAVE NEVER RECEIVED A BILL IN THIS AMOUNT OR ANY NOTIFICATION THAT I OWED SUCH AMOUNT. I HAVE WRITTEN THE COMPANY TO REQUEST PROOF OF DEBT WITH NO RESPONSE. 

I have attached what they are reporting on my credit.

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 2019-07-31 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: California Accounts Service
State: CA

Complaint narrative:
I have tried to get information to verify this debt is valid. No one has any information to explain this amount. Evidently, the original debt was allegedly owed to XXXX XXXX XXXX? I have not received any notices of this bill & have not received any attempt to collect this amount! And, I have no information to resolve this issue. It is so frustrating since I have tried to get an excellent credit score. Please help!! 
Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 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: CITIBANK, N.A.
State: CA

Complaint narrative:
on XX/XX/XXXX I transferred {$2500.00} to my citi credit card ending in XXXX which it turns out did not exist ( Citi was switching the account from a XXXX to a XXXX and so had TWO accounts with different account numbers that were actually the same, which caused me to pay both 'accounts ' off and the overpayment of {$2500.00} XXXX. 

I have called Citi 5 different times, roughly once every month asking where the money is and when I would get it back. I have provided them with the routing and account number of my personal checking which they assured me months ago would be returned ( they  agreed to send the money back the day after the incident ), but I have not received any monies, or communication whatsoever. 

I am asking for the {$2500.00} to be returned with an assessed interest of 10 % ( standard return I would normally see from my money manager ) for each month they have held the money. The total I am asking for is now is {$3700.00} which is the total with interest as described. 

Below I have detailed transaction history as well : transfer from XXXX card to citi ending in XXXX - {$2500.00} XX/XX/XXXX CITI CARD ONLINE PAYMENT XXXX WEB ID : CITIXXXX  {$2400.00} {$4000.00} XX/XX/XXXX CITI CARD ONLINE PAYMENT XXXX WEB ID : CITIXXXX {$2800.00} {$6500.00}

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 2019-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I deposited a check at the chase branch when I got there the teller said the system was down and gave me a XXXX number to call which I did the person at the XXXX number said the system was not down and I needed to speak with the branch manager I called the branch manager and nothing no show of my deposit reflectes on my account I want my money and I would like to close this account ASAP and take my banking elsewhere

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 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: Midwest Recovery Systems
State: PA

Complaint narrative:
I have filed a report with the XXXX as well. A few weeks ago, I received a notification from XXXX and XXXX that someone had reported collections on my credit report. Mind you, I have never received any documentation as to this and I don't have any open medical bills or unpaid debt. I looked and found out that it's from Midwest Recovery Systems. Currently, they are claiming I owe for 4 accounts which goes like this ... {$2800.00}, {$290.00}, {$280.00}, and {$97.00} for a total of {$3500.00}. They are claiming that its for a day that I was seen somewhere which is impossible because on that particular day I was moving and driving 3 hours away from where I had lived. I also told them that I have always had medical insurance because I am on welfare so I don't owe them any money and they lied and fraudulently placed those accounts on my credit report. I got a message from the XXXX  and Midwest Recovery Systems yesterday XX/XX/2019, in which they stated, " Midwest Recovery Systems has further reviewed your account. We have sent notification to the credit reporting agencies to delete this account from your credit report. Attached to this response you will find a copy of this deletion notification. '' So, I called XXXX to verify this and to verify that they have received the deletion pdf 's and they told me no, they do not have any such thing. What a surprise!!!! I am going to inform the XXXX that Midwest once again lied and has shown that they are frauds and since they aren't accredited, they should be shut down. I will attach all of the proof that I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 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: Nicholas Financial Inc.
State: MS

Complaint narrative:
On XX/XX/XXXX I paid my vehicle loan in full to Nicholas Financial, for some time this account has had multiple reporting errors. Upon dispute of these errors in XX/XX/XXXX, the XXXX system obviously provided validation, and XXXX and or Nicholas Financial updated the account in addition in the results provided to me to state that the account status is 30 days past due. THIS is not correct, there is no balance on this paid account, and the current status of this account should obviously be reporting as PAID not 30 days past due. This is inadvertently dramatically affecting my reports and scores to appear as though I have a recent 30 day late payment. I have reached out to Nicholas Financial who claims that XXXX is the culprit in the matter, and to XXXX that claims that Nicolas Financial is the culprit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have been disputing late payments on my account with the credit bureau and asked them to show me the method of verification since they continue to update the account after each investigation yet they have not complied with my investigation request. I have not gotten any document showing these late payments are accurate 1. XXXX XXXX XXXX   XXXX Account Number XXXX Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. XX/XX/XXXX and XX/XX/XXXX 2. XXXX XXXX Account # XXXX Late payment XX/XX/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 2019-07-31 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: U.S. BANCORP
State: TX

Complaint narrative:
US Bank put two inquiries on my XXXX file on XX/XX/2019. I was never reached out to. No one called to clear my Extended Fraud Alert, I did not apply for any products with Us Bank on XX/XX/2019. I SEE TWO Inquiries on the same date from the on my same file. This is on my XXXX Credit Report, And I can see that. I did reach out to XXXX whom advised me to contact US Bank. I did contact US bank and advised them I did not apply for credit with their instituion on XX/XX/2019 and that I am a victim of ID Theft, According to the rep they only show 1 inquiry and they said they would remove it. THEY DID NOT. It is Two inquiries both from the same company on the same date. XXXX is requesting me speak to US Bank. So this complaint is because US Bank refuses to assist even though I advised the Application was fraudulent and not authorized they refuse to remove the inquries they illegally placed. Please correct this.

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 2019-07-31 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have filed 4 disputes ( XX/XX/XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX ) with both Experian credit reporting agency and XXXX XXXX XXXX ( the creditor ) to correct an error on my report that showed up on XX/XX/XXXX. I have NOT had an active account with XXXX XXXX XXXX since XX/XX/XXXX of XXXX when my mortgage was transferred to another servicer ( XXXX XXXX ). Each of the disputes I have filed with both XXXX  XXXX XXXX AND Experian has resulted in NOT changing the error on my report. This is adversely affecting my attempt to re-finance my loan at his time by showing that I have two months in a row where I was 30 days late ( XXXX & XXXX of XXXX ). As of XX/XX/XXXX and every prior credit report back to XXXX of XXXX, the reporting was accurate because my account was closed and transferred from XXXX XXXX XXXX to XXXX XXXX on XX/XX/XXXX. Each of those reports showed 30 days late from XX/XX/XXXX and no late payments or XXXX. I have the online credit reports from Experian dated XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX ( and can submit others going further back ) showing the XXXX payment to XXXX XXXX XXXX as not late. 

The simple fact that XXXX  XXXX XXXX transferred my mortgage loan to XXXX XXXX  on XX/XX/XXXX shows that it is IMPOSSIBLE to have my XX/XX/XXXX payment be 30 days late. I was only a customer of XXXX XXXX XXXX for THREE full days in XXXX of XXXX. I am confused as to how this change was made on XX/XX/XXXX and also why the change was made. But this erroneous change has negatively affected my opportunity to refinance my current loan to a lower loan percentage, a shorter term and also take money out of my refinance for home repairs. This needs to be corrected ASAP.

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 2019-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I am a victim of identity theft. I tried to solve this matter with the company in the past. Back on XX/XX/XXXX, they received a demand for validation letter from me delivered via certified mail. As of today they have failed to provide me with the proof I have lawfully requested. This fraudulent account being reported to the credit bureaus is a violation under the FCRA. 

Account is the following : BARCLAYS ACC # XXXX. Date Opened XXXX. 

Please help me to solve this issue, since they are committing a violation of the Fair Debt Collection Practices Act and Defamation of character.

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 2019-07-31 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: EQUIFAX, INC.
State: MA

Complaint narrative:
I have been disputing late payments on my account with the credit bureau and asked them to show me the method of verification since they continue to update the account after each investigation yet they have not complied with my investigation request. I have not gotten any document showing these late payments are accurate 1. XXXX XXXX XXXX XXXX  Account Number XXXX Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. XX/XX/XXXX and XX/XX/XXXX 2. XXXX XXXX Account # XXXX Late payment XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I AM A VICTIM OF ID THEFT. I HAVE ENCLOSED ALL DOCUMENTS NECESSARY TO HAVE ALL ITEMS LISTED BE IMMEDIATELY BLOCKED PURSUANT THE 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 2019-07-31 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I AM A VICTIM OF ID THEFT. I HAVE ENCLOSED ALL DOCUMENTS NECESSARY TO HAVE ALL ITEMS LISTED BE IMMEDIATELY BLOCKED PURSUANT THE FCRA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: PA

Complaint narrative:
On XX/XX/XXXX, I received an email from who I thought was PNC Bank asking for me to update my security questions. On XX/XX/XXXX, I had stopped at a XXXX to get food and my card was declined. I didnt understand why, I knew I had the money on the account. I tried to login to Online Banking on the app and website, and it didnt allow me too. So, I decided to call the bank and they told me that my account was overdrawn. They had told me that I needed to visit a PNC Branch to find out more information. Later that day, when I was able to get into a Branch, they had told me that somebody had disputed a transaction for {$1000.00} and had XXXX  it to a person named XXXX XXXX. They then continued to say that I was part of a scam. The lady who was helping me with the situation, told me that I had to pay the negative balance off. She even said they have decided to close the account and end my relationship with them. I was beyond confused and extremely upset that this happened to me. She said that was all that they could do. I then decided I didnt want to stop there, so I made an appointment at another PNC Branch to discuss with someone different. The lady I met with, was more helpful than the first, she tried her best to help me in this situation, but the bank still declined to help me with my problem. I had bills that were going out on the 1st and all of those bills bounced. For the past month, I have been trying to get PNC to understand the situation and it seems like they dont care at all. They did an investigation, but decided that they cant do anything more. They have decided to close the account and are forcing me to pay back the {$1000.00} + fees that came with my bills being declined. I would like answers and I would like a reasonable explanation on why I should have to pay back the money. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc
State: IL

Complaint narrative:
I am a XXXX XXXX and XXXX did a recheck on my background it was done by checkr I had a XXXX XXXX   XXXX in the past I don't like the life of being gone all the time XXXX   XXXX  so I decided to let my XXXX go so I didn't turn in a dot physical the last time it was due so on my mvr I has a disqualification on my XXXX part of my mvr for medical noncompliance and checkr keeps putting it under violations I have had 2 reinvestigations done and sent them stuff from the BMV and they are still putting it under violations when it is not a violation it's a disqualification on a class a XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Regarding the recent Capital One data breach of over 100 million customer records : I am a customer, with two credit card accounts. I found out yesterday, XX/XX/XXXX, by reading the news that the breach had happened, and phoned to find out if I'm affected. I was horrified to be told that the company will not take immediate action, like phoning or emailing affected customers, because that would be a security risk. How ironic, not to mention ridiculous, is that? I get email notifications about security issues from other credit card companies, like XXXX XXXX. So that's a totally XXXX  excuse. 
Instead, we have to wait 7 to 10 business days!! for a snail mail letter to arrive. That's up to two weeks! This is outrageous -- up to two weeks before we will be offered any kind of protection or will know whether we have to take what might turn out to be unecessary drastic action such as freezing our credit records. 
Capital One is not moving fast enough or smartly enough. Nearly everything they've done regarding this breach, including how it happened in the first place, indicates their understanding of cybersecurity issues is abysmal. Please make them do a better job of contacting customers who were affected ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 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: MS

Complaint narrative:
On XXXX of XXXX I paid my vehicle loan in full to XXXX XXXX, for some time this account has had multiple reporting errors. Upon dispute of these errors in XXXX of XXXX, the E-oscar system obviously provided validation, and transunion and or XXXX XXXX updated the account in addition in the results provided to me to state that the account status is 30 days past due. THIS is not correct, there is no balance on this paid account, and the current status of this account should obviously be reporting as PAID not 30 days past due. This is inadvertently dramatically affecting my reports and scores to appear as though I have a recent 30 day late payment. I have reached out to XXXX XXXX who claims that Transunion is the culprit in the matter, and to Transunion that claims that XXXX XXXX is the culprit.

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 2019-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Grant Mercantile Agency
State: CA

Complaint narrative:
I am a victim of identity theft. I tried to solve this matter with the company in the past. Back on XX/XX/XXXX,  they received a demand for validation letter from me delivered via certified mail. As of today they have failed to provide me with the proof I have lawfully requested. This fraudulent account being reported to the credit bureaus is a violation under the FCRA. 

Account is the following : Grant Mercantile Agency Account # XXXX. Date Opened XX/XX/XXXX Please help me to solve this issue, since they are committing a violation of the Fair Debt Collection Practices Act and Defamation of character.

Company response to consumer: Closed with explanation