vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on XX/XX/XXXX & XX/XX/2019 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 monetary relief
Consumer complaint received 2019-11-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Brock & Scott, PLLC
State: GA

Complaint narrative:
I had a debt with XXXX XXXX, I got behind and they contacted an attorney to serve a judgement. I contacted through their attorney Brock and Scot and made arrangments to pay. They continue to update XXXX and XXXX falsely month over month with a past due balance of {$270.00} I have disputed with everyone. They send me back notices saying they verified with XXXX XXXX its correct. I have contacted the attorney they say they have notified them its paid. They provided me documentation its paid in full and I even submitted that documentation to the credit bureaus and they refuse to correct the information with proof I provide. XXXX was the only company to correct it when disputed. At this point I demand they delete this from XXXX and XXXX. I have been harmed month after month even after I provided proof to each bureau of its inaccuracies..I have been denied credit based on this and I have tried for 3 months to give them an opportunity to correct there mistake. This is unfair and most importantly inaccurate and the fact that this company has verified information as accurate when it is not month over month is mind blowing. Also the fact that XXXX and XXXX get away with ignoring valid documentation to correct is appalling.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02 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: Account Recovery Services, Inc.
State: WA

Complaint narrative:
Account RCVY collection company has several inaccurate and false collection items on credit report. These are not my debts. Never heard of company. Lawyer on my behalf stated I should go thru consumer protection Bureau first to give collection agency one last chance to remove off of credit reports before we proceed.

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 2019-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I never applied for a mortgage loan to XXXX. Information reported is from XXXX XXXX, and it was resolved and removed from my reports. Information reported corresponds to XXXX XXXX. The dealer by LAW may not be changing the information to harm the consumer. Account does not belong to me.

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 2019-11-02 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: Portfolio Recovery Associates, LLC
State: WA

Complaint narrative:
PORTFOLIO RECOVERY ASSOCIATES has a couple entries on my credit reports. They are false. Not my debts. Company very rude and unable to provide proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
I am now getting a " Final Notice '' letter from Midland Credit '' MCM stating that if I do not pay this amount they will turn account over to a collection attorney and I will have to pay the amount in full along with attorney costs. This is the only letter I have received so far and I do not agree with the amount they have listed on their bill. I have sent a letter to MCM but they are refusing to respond back because they would much rather see people sued so they can get more money in their back account. I am struggling to keep up on other payments and obligations as it is and they want to make threating attorney statements. I want this matter resolved and a conclusion made regarding this matter before I have to file for bankruptcy. this would not be my preferred choice but may be my only option at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02 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: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital one inquiry on my credit report with out my authorization

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting 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 non-monetary relief
Consumer complaint received 2019-11-02 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica
State: TX

Complaint narrative:
Good Morning Sir or Madam, I am filing a complaint against Direct Express. Every first of the month, {$430.00} is posted on my Direct Express debit card. I called XXXX to check the balance on the card, it says the {$430.00} was posted into the account on XX/XX/XXXX, but also there was a {$230.00} charge on the card XX/XX/2019 that I did not authorize. I called repeatedly to inquire about the charge because I don't know where it was from. I want to dispute the charge, but unfortunately after several attempts, I kept getting a message reading high call volume, try again later. I called the social security administration they said, once the send money to Direct Express, it's out of their hands. They said for me to try to call Direct Express Saturday morning @ XXXX. Unfortunately, I called today, Saturday XX/XX/2019 and keep getting the same recording. I have no way of knowing why my funds are missing or who is responsible for the charge. Direct Express number listed on the card is XXXX. There is no address listed on the card. I searched their website for an address. XXXX. XXXX XXXX XXXX XXXX, TX XXXX is listed. Can someone please help me? 

My contact information : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Texas. XXXX Phone :. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I received a summons for a credit card debt that does not belong to me and this company is trying to take me to court for something that is not mine and i want them to stop contacting me by mail and phone. This is not even my name on the paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
This is a general issue with all financial institutions and just not limited to Wells Fargo Bank I am making a complaint below. I had the same issue with XXXX XXXX just less than 6 months ago. 

History : I have a Way2Save Savings account with Wells Fargo. To keep my life simple and structured, I plan a year ahead of time and set up Automatic Bank Transfers to increase my balance in the Savings A/c. I have set up Recurring Deposit {$100.00} ( once every 2 weeks ) from another financial institution into the Way2Save Savings account. 

Issue : On XX/XX/2019, I got an email that the scheduled transfer ( of deposit to Way2Save ) was unsuccessful. I find out the reason that the Way2Save account has been disabled for the due to NO deposit or withdrawal from the account by visiting a bank ( physical brick and mortar ) in the last 24 months. The message that accompanied the warning was the one that was far intimidating It read that if the account had been inactive for long period of such inactivity, then the state ( govt. ) can claim the balance in my account under the term of escheat. 

This is really atrocious. In my mind, State Govt. or any Govt. authority can not come in between a private individual and a financial institution to claim any money, even if it stays inactive. It is not a lottery money that the State can claim. It is hard earned money of an individual ( and possibly to the individuals immediate family needs, if the account holder is deceased ). 

I find that this kind of term applies to an individual checking/savings account with a balance on the account with period of inactivity.. but when it comes to an account such as mortgage account with the same bank, I am sure there will be no such disabling done for not making a mortgage payment for a period of time. ( Of course, the home with the outstanding balance will be taken over by the bank ). 

I opened a case with Wells Fargo bank to register my complaint, but as per the existing rules, I am sure they have nothing much to do. But this law is something that is not sitting well in my mind. How can a regular / periodic deposit of {$100.00} once every 2 week, not be considered as a transaction? Why would I have to walk into a physical bank to make a dummy deposit or withdrawal to keep my account active? Even if the crazy rule/law needs me to keep my checking/savings account active, I have never gone into a bank ever to make my mortgage payment Why dont they have law to make the mortgage account inactive? I am will happy to not pay money back into my mortgage.

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 2019-11-02 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I contacted USAA on XX/XX/XXXX to discuss a late payment showing on my account from XX/XX/XXXX. I was informed that there was no information showing it was late. I requested the 30 day late to be removed by USAA and Bureaus and it is still showing

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
Good morning, My wife ( XXXX XXXX ) and I make {$2000.00} payments to Navient student loans trying to pay off her student loans with a balance of {$31000.00}. We began making those payments on XX/XX/2019. We can not get information on Navient 's website or over the phone as to the balance of the loan at each month we make the {$2000.00} extra payments. We don't know whether the extra payments are going toward the highest interest loans. We have made requests, but received not response from Navient as to weather this is happening. 

We can not reach a person at Navient to determine if our extra payments are being applied to the highest interest payment. We have also tried to determine whether the payments are applied. 

We have also tried to determine if there is an option for lower loan payments through autopay as other loan service providers do, but no information about this is available. 

I work for the federal government and am posted to a hardship location with my family and have very limited internet access and can not reach anyone on the phone despite numerous attempts. The company will not send us monthly statements to determine how much we owe or how much progress we are making toward loan payoff. 

These {$2000.00} payments are our family 's largest monthly expense. We took choose a difficult post for the sole purpose of paying off XXXX ' loans, but we can get no information about the progress we are making in paying them off nor can we determine how long we will continue to make these payments because we do not know where the payments are being applied to. 

These loans create tremendous hardship for our family. We support parents financially and have XXXX children of our own and want to begin saving for their education, but want to pay off these loans first. With no information about where our payments are applied to or how long it will take to pay off these loans, we can not plan for our future financial obligations. My Husband XXXX took a federal job in an isolated hardship post overseas for the purpose of paying off these loans faster with higher income. He is away from family for extended times and we spend years outside the U.S. to save money to pay off these loans. We have a right to know where our payments are applied to.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
I have no knowledge of this debt.never knew a XXXX account was opened in my name or social security number.i was never contacted by mail or email to have a chance to dispute.When i saw this on my credit i tryef to contact the original creditor and request a original application.they told me to contact there 3rd party representative..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02 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: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
Included in bankruptcy years ago. Over 7 years ago. It keeps reappearing with a more recent date. I have tried to communicate with company and get the run around.

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 2019-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I contacted XXXX on XX/XX/XXXX to discuss a late payment showing on my account from XX/XX/XXXX. I was informed that there was no information showing it was late. I requested the 30 day late to be removed by XXXX  and Bureaus and it is still showing

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 2019-11-02 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I contacted XXXX on XX/XX/XXXX to discuss a late payment showing on my account from XX/XX/XXXX. I was informed that there was no information showing it was late. I requested the 30 day late to be removed by XXXX and Bureaus and it is still showing

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I contacted XXXX on XX/XX/XXXX to discuss a late payment showing on my account from XX/XX/XXXX. I was informed that there was no information showing it was late. I requested the 30 day late to be removed by XXXX and Bureaus and it is still showing

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 2019-11-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
On XX/XX/2019 I attempted to make a purchase. that purchase was immediately declined by pay pal. The payment was still taken from my bank account processed through and received by pay pal. No pending. Processed and received By Pay Pal. There is no transaction history on my account, nothing to show it was declined or processed. I contacted both my bank and PayPal. Pay pal after immediately declining the transaction saying it was unable to process still processed and accepted the money they declined. I contacted them and they refused to immediately refund the money they took out. They told me 5 to 30 days to refund the transaction they declined and started they were unable to process. I will be filing in court for my additional costs of stopping payment on these payments. My bank charged me {$50.00} per transaction ( {$200.00} total ) to reverse and disputed the transactions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-02 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: TRANSWORLD SYSTEMS INC
State: NC

Complaint narrative:
In XXXX XX/XX/XXXX, I was informed that 'I ' defaulted on a private student loan taken out back in XX/XX/XXXX. The remaining balance was XXXX dollars. I paid the balance, but my credit report never reflected a paid-in-full status. I called the company multiple times, but they refuse to update the information. 

At the same time, they claimed I defaulted on another loan with a balance of about XXXX. This loan showed an origination date back in XX/XX/XXXXas well. The records they sent me indicated the loan was placed into deferment without my consent or knowledge when I went to graduate school in XX/XX/XXXX, and it was only after I graduated in XX/XX/XXXXthat they approached me about the default status in XXXX XX/XX/XXXX. These documents also showed that they were not the real party of interest since they couldn't prove ownership after they purchased the loan from another originator. Yet, this item remains on my credit report after they closed the account with a collections/charge-off status, stopped reporting it, and sold it to another company that does not report this to the bureaus. The company refuses to remove the item. 

The company is XXXX. I've disputed this with XXXX  and XXXX  multiple times, but they refuse to update the information.

Company response to consumer: Closed with explanation