vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
CARES Act was not utilized in terms of reporting because XX/XX/XXXX statement, the automatic draft did not post as it had done consistently since XX/XX/XXXX. The XXXX XXXX statement shows a past due fee adjustment for XXXX $ because I called Capital One and explained that there had been a mix up and a payment arrangement was established due to an oversight. The XXXX XXXX statement shows a XXXX $ payment per the telephone agreement with Capital One but they reissued the late fee that they had adjusted in good faith during the call which seems to be an unfair and unscrupulous business practice. The XXXX statement shows payments made per another phone call with Capital One because I did not understand why I was getting late fees when a payment arrangement had been established and was being followed. The representative said I had to pay XXXX $ to bring the account current, which didn't make any sense, but I paid it on the XXXX after the required payment was already made on the XXXX. Since the account was made current and it is apparent that the oversight happened during a period of reduced hours due to adjusting to COVID precautions, I am requesting that this account be removed from past due status on XXXX, XXXX, and XXXX  or deleted completely due to inaccurate reporting during a world-wide pandemic for credit 's sake.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
i filed numerous disputes with representatives at Equifax and online for an collections account that is from XXXX XXXX XXXX for the amount of {$570.00}. XXXX is showing that services were in my name at the address XXXX XXXX XXXX XXXX XXXX XXXX, fl XXXX. I have never lived at this address i lived with my sister at the time and her address was XXXX XXXX XXXX XXXX XXXX XXXX, fl XXXX. I have already explained this to representatives on the phone that the apartment number was incorrect and that i did not live at apartment number XXXX but that i lived at apartment XXXX and it did not belong to me. We never had XXXX services in my name at that Address i have Bank statements that verifies my residence. Equifax refuses to remove this unverified debt from my credit report. This account has also been removed from all other credit bureaus which is evidence that this debt can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10 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: CA

Complaint narrative:
I called to dispute fraudulent inquiries on my credit report. Equifax refuses to remove them and they are telling me to contact 24 companies myself. When I asked where does that say so in the fair credit reporting act, the representative hung up in my face. This is not the first time that equifax has done this and gotten away with such negligence. They are trying to avoid their duties of upholding the laws that were put in place to protect consumers against fraudulent activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10 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: GA

Complaint narrative:
XXXX Credit Reporting Bureau XXXX Equifax Address:XXXX  XXXX XXXX XXXX XXXX GA XXXX Re XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX  XXXX XXXX XXXX Account # XXXX Dear Sir or Madam ; I disputed the referenced accounts above on ( XX/XX/XXXX ). The credit report of ( XX/XX/XXXX ) shows these items were deleted from my credit file. Now these items have been reinserted on my credit report. 

In accordance with the requirements of the FCRA as stated below, I am hereby requesting your complete compliance with any and all of the provisions : *FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] *Requirements relating to reinsertion of previously deleted material. 
*Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 
*If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date. 
( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. 

Not only were they re-inserted illegally, but these accounts do NOT belong to me. I have provided you with a plethora of documentation to support being the victim of identity theft. 

I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency may avoid such action by immediately deleting this listing from my credit report. I have included the FTC, and my attorney. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10 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: I.C. System, Inc.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX was removed from my credit reports, ( EXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ), when I successfully disputed XXXX XXXX of {$170.00} Termination Fee. I do not and I have never owed XXXX a {$170.00} Term. Fee. I have statements I paid from XXXX ( {$10000.00} ) .I paid every month, even the last three months that I had no internet connection or land phone ( XXXX XXXX ) .I terminated XXXX XXXX. Via phone on XX/XX/XXXX and Returned Equipment XXXXI PAID all charges owed through XX/XX/XXXX. XX/XX/XXXX they tacked on a Termination Fee I didn't owe, had never been told of or spoke of from any XXXX XXXX a Fraudulent, illegal charge. In XXXX XXXX when the fraudulent charge was removed from all of my credit reports, XXXX went to another Collection agency-icSystem, letter dated XXXX-Received XX/XX/XXXX, with the same illegal fraudulent charge. Letter is threatening me, if I don't pay the {$170.00} or at least settle to pay # XXXX the charge will go as a Collection against me within 30 days to all national credit agencies. XXXX blatantly gets another Collection agency to represent them to try to keep a fraudulent charge I never owed, against me on my credit reports. I had even paid for the months I had no service ( XXXX ). You can see from all of the accounts I have in good standing, no past due or over limit, I properly pay what I owe, but I don't pay wrong, illegal, fraudulent charges I do not owe.I do not owe Comcast-icSystems, or any of the XXXX Collection Agencies ( XXXX, XXXX, XXXX XXXX XXXX ). The audacity of XXXX to deliberitly and fraudulently attempt to swindle money out of an impoverished XXXX XXXX such as myself and to blatantly disregard all of the Credit Bureaus decision to remove the XXXX/Collection agency charge from my credit reports by hiring another Collection agency-icSystem thinking they could disregard/disrespect the Credit Bureaus and me by side-stepping through another agency to immediately keep attacking me.I attempted reasoning with XXXX XXXX, when I made a final payment to them of XXXX arrogantly refused to listen or reason. This fraudulent charge has cost me Insurance and Finances in a time of dire need.Can you correct/delete this problem? I have also contacted FTC. XXXXCollection Agencies should not be able to Illegally Harrass me for a debt I never owed, especially less than a week after the Credit Bureaus deleted it from my credit reports. 
Isn't it illegal to negatively charge a Continuity without express consent? Can you please Stop this erroneous bully XXXX from further harm of me and others. 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 2021-01-10 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: OPORTUN FINANCIAL CORPORATION
State: CA

Complaint narrative:
In XX/XX/XXXX, I have taken a loan from OPORTUN, with the amount of {$2600.00}, 19 months loan term, payment amount is {$87.00} every two weeks. And I registered automatic pay from the very beginning, it automatically charges from my bank account {$87.00} every 2 weeks. It went well for more than one year. 

One day, in XX/XX/XXXX, I received their call about offering me another loan, I refused it, and told them don't call me again. After XXXX XXXX, they canceled my auto payment without my permission! Without any notice! I didnt know it until 3 months later! After I noticed my credit dropped dramatically -- -- more than 100 score. Then I realized I haven't paid for 3 months. 

On XXXX, I called and argued with them why they did this. They said : because you said don't call you again, so we cancel auto payment! And they asked to pay the rest of the loan plus the late fee {$620.00}. I paid them the rest of the load plus a late fee of {$620.00} as soon as possible to prevent further problems. But I didn't know that my bank refused the payment until 3 months later. So I paid off in XXXX. XXXX. 

All of those happened because they canceled my auto payment. But they still reported me to the credit bureau ( XXXX  and XXXX ) for 3 months late payment and 3 month charged off. Then my credit dropped a lot. It is totally unfair since all of this is not my fault. 

PS : You can see on documents, they wanted to report me for 3 month late payment on purpose that my bank automatically paid {$87.00} on XX/XX/XXXX, but they even returned it on XX/XX/XXXX. After that, they just canceled my auto payment. 

I try to negotiate with them to remove the bad record .They refused. I also reported to Credit bureaus, but failed. 

After I have the bad credit, I recently cant get any loan to support my life during the pandemic ; and every time when I think about what they have done to me makes me very sad, it had been affected my mental health significantly for more than one year.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
I applied for a refinance with Navy Federal Credit Union back in XX/XX/2020. I advised the mortgage counselor I woul be traveling so please let me know what things she would need so I could submit everything before I left. This counselor has done everything in her power to give me the runaround, just yesterday she wanted to order a new appraisal because of all the time that has passed. Several representatives offered to have a supervisor reach out, but none ever did ( at least 7 people said it ). This loan is a {$90000.00} refinance, everything needed was submitted over two months ago ( including everything for closing ). The mortgage counselor is deliberately holding my loan and no one at the company will intervene. I requested to have the .75 % up charge waived on my interest rate, she offered to submit the form for my request. She called me back 5 minutes later, the same day to tell me she saw that I had just changed my address and she was looking through my bank deposits and saw I was getting deposits from NY. So, I yelled at her and told her all I asked her to do was to request to have the fee waived. She tried to imply my interest rate was gon na be higher because it wasnt my primary home. Yet, the interest rates are listed for first and second homes. She tried to discriminate against me, because she had a problem with me getting the lower interest rate. At this point she hasnt moved my loan, and when the escalation team called me she beeped in on the other line. Escalations department told me that I had to answer the call, so they never addressed the complaint but had the mortgage counselor call me. As I am talking to the mortgage counselor, she begins to request stuff that was senseless. I am not sure why Navy Federal service has gone downhill but I am moving my money to another financial institution. She is not 5 months into this asking for paperwork all over again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10 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:
i just got this account deleted from my credit report. HOWEVER it was on my credit report with XXXX XXXX XXXX! But because the collection agencies are so CORRUPT, they deleted it because they HAD TO! They just merged with XXXX XXXX XXXX and put it back on my credit report under the merging companies name!!! Which is XXXX XXXX XXXX WHICH IS A VIOLATION! This account was already deleted because it COULD NOT BE VALIDATED! THIS IS A VIOLATION!!!! YOU CAN NOT PUT THE ACCOUNT BACK ON MY CREDIT REPORT UNDER ANOTHER CORPORATIONS NAME AFTER IT HAS ALREADY BEEN DELETED BECAUSE YOU DID NOT VALIDATE IT!!! THIS IS A VIOLATION AND FRAUD!!!! Nor have i ever heard of XXXX XXXX XXXX! Who are they?! I the CONSUMER have never done business with or signed a contract with this CORPORATION! IT IS A VIOLATION FOR THEM TO FALSIFY ACCOUNTS ON MY CREDIT REPORT! ITS ALSO A VIOLATION FOR EQUIFAX TO REPORT FALSE ACCOUNTS ON MY CREDIT REPORT WITHOUT PROOF OF THIS ACCOUNT BEING VALID! THIS IS A VIOLATION! AND FRAUD!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10 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: NY

Complaint narrative:
Hello. My identity was stolen from me. There are some fraud accounts noted on my credit report. My son, who is a XXXX  told me that I needed to file a complaint to make sure that the accounts on my report would be handled correctly. I have attached my Identification along with my federal trade commission report and any other supporting documentation you may need. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10 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: WAKEFIELD & ASSOCIATES, INC.
State: OH

Complaint narrative:
i just got this account deleted from my credit report. HOWEVER it was on my credit report with WAKEFIELD & ASSOCIATES! But because the collection agencies are so CORRUPT, they deleted it because they HAD TO! They just merged with Revenue Recovery CORPORATION and put it back on my credit report under the merging companies name!!! Which is REVENUE RECOVERY CORPORATION WHICH IS A VIOLATION! This account was already deleted because it COULD NOT BE VALIDATED! THIS IS A VIOLATION!!!! YOU CAN NOT PUT THE ACCOUNT BACK ON MY CREDIT REPORT UNDER ANOTHER CORPORATIONS NAME AFTER IT HAS ALREADY BEEN DELETED BECAUSE YOU DID NOT VALIDATE IT!!! THIS IS A VIOLATION AND FRAUD!!!! Nor have i ever heard of REVENUE RECOVERY CORPORATION! Who are they?! I the CONSUMER have never done business with or signed a contract with this CORPORATION! IT IS A VIOLATION FOR THEM TO FALSIFY ACCOUNTS ON MY CREDIT REPORT! ITS ALSO A VIOLATION FOR XXXX  TO REPORT FALSE ACCOUNTS ON MY CREDIT REPORT WITHOUT PROOF OF THIS ACCOUNT BEING VALID! THIS IS A VIOLATION! AND FRAUD!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10 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: CCS Financial Services, Inc.
State: PA

Complaint narrative:
I received my credit report in the mail and notice this account on my credit report is incorrect. I then mail them a certified letter asking them to send me documents to Show me I owe the money they say I owe. The letter I sent out to this company got sent back to me as return to sender no such address exist but that is the address they are reporting on my credit report which is incorrect and grounds for the deletion.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
This complaint has to do with the one I have related to XXXX  XXXX  XXXX, I contacted PRA to alert them of the situation with XX/XX/XXXXand told them to contact me directly for either payment or payoff. The company chose to close my accounts and say I was delinquent adding more comments to my credit report, I have sent them a second email and If I have to send a 3. I will be taking them to court to settle it there. The amount that was negotiated still stands or I'll go lower. I am attaching their said amount to what was negotiated. If I find out they have a special dealing with XX/XX/XXXX, then I will proceed with a class-action suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10 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: PA

Complaint narrative:
Wow, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

COVID-19 has really messed me up

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 2021-01-10 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: SYNCHRONY FINANCIAL
State: DC

Complaint narrative:
This refers to my account with CareCredit / Synchrony Bank. 

In early and XXXX, I paid off my open balance completely according to my online banking and which can be seen below : https : XXXX And payment dates from my XXXX XXXX account : https : XXXX I was later surprised to learn they had still added a finance charge. I was never notified there was an additional balance, and only saw it was reported late on my XXXX  credit monitoring a few months later. 

When I called Synchrony and complained, they apologized and removed the past due balance, and submitted it for dispute internally. On XXXX/XXXX/2020 I received a letter back from Synchrony stating that it was 'reporting accurately '. 

I've written them a reply demanding they remove this late payment status, and update it to 'Pays on Time ' as I had been making ALL of my payments on time, and had paid off the account entirely per above. 

If additional finance charges were accruing, it should have been stated in the Account Balance. I feel misled and abused as a customer, and this is not ok. I'm working very hard to build up my credit ( the biggest reason I paid off the account ) so it's not fair to me as a consumer to add insult to injury by not only adding additional balance to my account, but then to inaccurately report this to the credit bureaus as 'late '. 

I feel this is a violation of The Fair Credit Reporting Act, 15 U.S.C. 1681 and needs to be immediately removed. If this is not removed, I will very likely file a lawsuit to have this inaccurate negative remark removed from my credit history. 

Hopefully you can help intervene here as this is an unfair practice and I would have at least appreciated a phone call from them letting me know before reporting me. I received NO statements or TEXTS even though I'm signed up for SMS alerts. 

XXXX XXXX XXXX Please see what you can do here to help resolve this matter. 

Thank you, 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 non-monetary relief
Consumer complaint received 2021-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
My identy got stolen i got proof and am not unable to open a checking with any bank i try to contact XX/XX/XXXX and they dont help or send me letters back

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