vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-03 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: GA

Complaint narrative:
Received a credit alert today, XX/XX/2021, that XXXX XXXX, XXXX  XXXX XXXX, reported my account to Experian as a charge off when the account is current and has no late payments since established. Contacted Ollo regarding this issue and was informed that this was due to the " system issue '' they just experienced. Their representative indicated it will be corrected but could not give me any time frame as to when this will be accomplished, the only time frame she was able to give me was " as soon as possible '' which is not acceptable as this has caused my credit scores to drop drastically and until this is rectified I will not be able to apply for any type of credit should the need arise.

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 2021-02-03 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I dispute to the credit bureaus several accounts for inaccuracies and the haven't answered 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 2021-02-03 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: NC

Complaint narrative:
Experian is listing this account XXXX with the wrong contact information I contacted the company they claim owns this account and is reporting and they have no record of that account in there system and experian refuses to remove this account which is illegal.

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 2021-02-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Booked a hotel room at XXXX XXXX XXXX via XXXX on XX/XX/XXXX using Penfed credit card, card # XXXX. Cancelled on XXXX. Expecting a full refund. 
XXXX booking confirmation XXXX. 

There was credit card fraud activity happens at the same time ( unauthorized purchase ), so the old card was closed and Penfed issued a new credit card, card # XXXX. 

However, there is a duplicated charge of XXXX XXXX XXXX, so total of two {$40.00} charges on my statement closing on XX/XX/XXXX. There is one refund of - {$40.00} posted on XX/XX/XXXX. Not sure if this is due to XXXX, XXXX XXXX or Penfed 's error. As a result, there is one additional {$40.00} charge. 

Called Penfed multiple times ( latest called on XX/XX/XXXX ), and they said they can not find any wrongdoing or error. They only promised to review the case again. 

I need some help on verifying why there are two {$40.00} charges on my account. Which party 's error is that. How can I get my {$40.00} back. 

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 2021-02-03 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: AMERICAN EXPRESS COMPANY
State: DC

Complaint narrative:
I am a single mom with XXXX kids who suffered extreme physical and emotional abuse by my ex husband who fraudulently stole everything we had, opened credit cards under my SS # and caused us to be evicted and homeless for years. Due to my ex husband actions I received multiple calls from collections that were not mine and struggled to survive. I was able to settle with AMEX after I told them what has happened and that I am not responsible on these accounts and they were fraudulently opened by my ex husband but they kept harassing a few times a day over the phone and threatening me to take me to court if I won't pay. AMEX never explained me my rights if any, even after explaining that I am a victim of Identity theft. They said that I am responsible since it's my SS and then they promised me to decrease the amount and delete the information from my credit report if I would settle. I followed their instructions even though I was evicted and barely had money to feed my kids. After months of payments, I finished and called them to delete the accounts as promised by their employee- the account manager at that time- XXXX XXXX however , they refused to delete the 3 accounts and said that XXXX doesn't work there anymore and can't verify his promise to me. I contacted the credit companies with regards to 3 Amex accounts and provided them with all the information, my eviction letter, a police report about my ex husband stealing all we had and explaining to them that these 3 accounts are not mine. I disputed for over a year every month through their online dispute, called and disputed by phone, and mailed supporting documents. They just don't care. I am struggling during the pandemic with XXXX kids and these fraudulent items hurt my life severely. I am staying at a two bd apartment with a friend and since the schools are reopening I was asked to leave because she doesn't want to take the risk of getting Covid-19 when the kids attend school. No landlord is willing to rent me a place due to those 3 Amex accounts that are a result of identity theft by my ex. Please help me asap remove these three accounts from my credit repots.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-03 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: AMERICAN EXPRESS COMPANY
State: DC

Complaint narrative:
I am a single mom with XXXX kids who suffered extreme physical and emotional abuse by my ex husband who fraudulently stole everything we had, opened credit cards under my SS # and caused us to be evicted and homeless for years. Due to my ex husband actions I received multiple calls from collections that were not mine and struggled to survive. I was able to settle with AMEX after I told them what has happened and that I am not responsible on these accounts and they were fraudulently opened by my ex husband but they kept harassing a few times a day over the phone and threatening me to take me to court if I won't pay. AMEX never explained me my rights if any, even after explaining that I am a victim of Identity theft. They said that I am responsible since it's my SS and then they promised me to decrease the amount and delete the information from my credit report if I would settle. I followed their instructions even though I was evicted and barely had money to feed my kids. After months of payments, I finished and called them to delete the accounts as promised by their employee- the account manager at that time- XXXX XXXX however XXXX they refused to delete the 3 accounts and said that XXXX doesn't work there anymore and can't verify his promise to me. I contacted the credit companies with regards to 3 Amex accounts and provided them with all the information, my eviction letter, a police report about my ex husband stealing all we had and explaining to them that these 3 accounts are not mine. I disputed for over a year every month through their online dispute, called and disputed by phone, and mailed supporting documents. They just don't care. I am struggling during the pandemic with XXXX kids and these fraudulent items hurt my life severely. I am staying at a two bd apartment with a friend and since the schools are reopening I was asked to leave because she doesn't want to take the risk of getting Covid-19 when the kids attend school. No landlord is willing to rent me a place due to those 3 Amex accounts that are a result of identity theft by my ex. Please help me asap remove these three accounts from my credit repots.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-03 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DIRECMANAGEMENT, INC.
State: AL

Complaint narrative:
I recently check my credit report and notice inaccurate accounts from Direct Management inc with some alleged debts from {$350.00}, and XXXX.So, I sent them letters on XX/XX/2021 disputing the validity of the debts, and requesting documents of each account.I have also attached copies below for your viewing to assist me with the process.I haven't heard anything from them as of now.

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 2021-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MO

Complaint narrative:
I've been have issues with XXXX/ Loancare since they purchased my mortgage. They have now miss applied my payments 2 times. The last payment was for XXXX and XXXX. I payed {$960.00} it included two month mortgage payments, an escrow payment, and a late fee. They some how miss applied everything and the Loancare is saying I'm paid through until XXXX and my escrow balance is XXXX up! Also, they continue to over pay house insurance company and I get a check returned from for loancares over payment and then I get a bill from Loancare saying my escrow account is deficient. XXXX/LoanCare is a joke when I call takes me 1 hr. to navigate their automated XXXX I'm ready to refinance my loan just to get my loan out of this service providers hands! I was a previous Bank Examiner, how can this company still operate!

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 2021-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I permanently lifted my credit freeze with experian on XX/XX/2021. This was confirmed in writing by Experian, a notice which was mailed to me via US postal service. Yesterday, I was unable to lock in my my refinance rate because Experian re-froze my file. I never asked to put another freeze on my file. 

I mailed my request to Experian requesting Experien reinitiate my original request to unfreeze or life my freeze. I've tried calling and emailing, but there are no persons able to respond timely.

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 2021-02-03 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have sent disputes and notifications to the credit bureaus in XX/XX/2020 and have not heard anything from them. XXXX, Equifax, and XXXX  continue to report accounts with incorrect amounts, incorrect dates, unauthorized and unverified information on my report. I sent several letters requesting that they remove incorrect versions of my name and incorrect addresses but they continue to violate the FCRA by knowingly reporting this incorrect data. 

XXXX, XXXX, and Equifax have not responded to my requests sent in XX/XX/2020 requesting that they comply with my request for investigation and resolution. This is a violation of the FCRA. They have not updated their reports to show that the accounts have been disputed. They continue to report addresses that I've never lived in. They continue to report accounts that are older than seven years old. They continue to report unauthorized inquiries. 

None of the companies have provided verifiable proof of authenticity from any creditor. 

I have sent letters on XX/XX/2020, XX/XX/2020, and XX/XX/2020. They are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
I requested a block for these fraudulent accounts UNDER THE 605 FRCA LAW.. The fraudulent accounts were removed from my credit report and recently back opened without method of verification and XXXX the fraudulent information to my credit report. I sent letters to the XXXX credit bureau in the creditors reporting the fraudulent information.I want this fraudulent information blocked from my credit report within XXXX days under the fcra 605 law and the method of verification for the fraudulent accounts reporting under the FRCA609,611,605 Law act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Holloway Credit Solutions
State: AL

Complaint narrative:
I recently check my credit report and notice a collection from HOLLOWAY CREDIT SOLUTION, LLC reporting a alleged debt of {$250.00} on my credit report that i do not owe.I submitted them a letter on XX/XX/2021 disputing the validity of the alleged debt and medical documentation from them, and as of today i have not received them.I also attached you a copy below of the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 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: FL

Complaint narrative:
The credit bureaus are illegally reporting inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
PLEASE DELETE PREVIOUS ADRESSES THEY ARE WRONG I NEVER USED THEM AND NEVER LIVED AT THOSE PLACES I EXPECT THE COMPNAY TO DO THEIR JOB THIS IS THE XXXX TIME TRYING TO FIX THIS ISSUE SEE LETTER ATTACHED

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 2021-02-03 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: MA

Complaint narrative:
Issued a rebate from mass save through " XXXX  '' for {$40.00}, could not activate it on their website, their phone line actively ignores touch tone inputs. The website has some kind of broken XXXX policy but I'm not going to diagnose it for free. Card was mailed to me around XX/XX/XXXX. It says it'll expire by XX/XX/21 but the website kept rejecting that expiration. I think the electrical companies that back XXXX XXXX got scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XX/XX/XXXX : Opened Capital One {$100.00} Checking Bonus. XXXX promo code entered into appropriate field in application. Promo valid from XXXX Use promo code XXXX in application, and Spend at least {$300.00} with debit card within 90 days of account opening. Bonus will post to your new 360 Checking account within 60 days after your 90-day spend period ends. 

XX/XX/XXXX : Completed {$300.00} spend XX/XX/XXXX : Called Capital One customer service agent XXXX, Employee ID : XXXX. Reference code for call : XXXX Regarding bonus not being awarded within stated time frame. Representative stated I completed all the requirements for the bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 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: NY

Complaint narrative:
I found derogatory comments and collections on my credit report. I wrote to portfolio recovery assc. and the three credit bureaus expaining that the collections we're not mine. portfolio recovery reported on my credit report that I owed them {$2400.00} for a credit card account open on XX/XX/XXXX and a credit card account open XX/XX/XXXX for {$990.00}. and a credit card open XX/XX/XXXX for {$600.00}. I told them that I never open any account with them and to please remove this from my credit report. that was the first letter I sent out on XX/XX/XXXX. I got bills from portfolio recovery but it wasn't in the right spelling of my name. Second letter I sent on XX/XX/XXXX I challenged the validity of these accounts therefore, verify accounts. I was sent a fraudulent letter from portfolio recovery that they said XXXX XXXXXXXX XXXX sent them. I took the letter to XXXX XXXXXXXX XXXX and they told me it was a fake letter made up by portfolio recovery. 1. XXXX XXXX logo is much bigger. 2 the date was in XXXX and the letter was in English. 3 my name is spelled wrong. still I was not giving any verified documents The Fair Credit Report Act protects against false and erroneous reporting. Today XXXX  and XXXX still have this on my credit report only XXXX removed portfolio from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Gold Star Finance, Inc.
State: TX

Complaint narrative:
The loan company that I have a loan with has contacted me numerous times during the day atleast 5 times and left me several voicemails. They need to stop calling me constantly I already told them to send it to collections and to stop calling me constantly but they keep doing it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paramount Recovery Systems, L.P.
State: AL

Complaint narrative:
i check my credit report and notice a debt from paramount recovery systems reporting a alleged debt of XXXX that i don't owe.on XX/XX/2021, i submitted a letter disputing the validity of the debt, as well as requesting other documentation for the alleged debt.as of XX/XX/2021, i have not receive anything from PARAMOUNT RECOVERY SYSTEMS.i need your assistance in this matter in removing this inaccurate information from my 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 2021-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Midland credit management is trying to collect {$3500.00} from me for an account that does not belong to me. They said its for XXXX XXXX XXXX which I currently have and i have always been in good standing with them. I called XXXX XXXX and they told me I have never even been late in a payment and that I do not owe them money. They advised me to call Midland to dispute this. Midland credit management had up to 15 fraudulent account open under my social security number at one point. They remover most of them but left two that definitely do not belong to me. The second one is for the amount of {$1800.00}. I have no idea where this collection came from. This account also does not belong to me. I have put to much into having good credit. Every time I call Midland they do nothing to try to clear up these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 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: PA

Complaint narrative:
I like to file a dispute for an unidentified item on my credit report for the following : XXXX XXXX for {$65.00}. I have filed an Identity Theft Report with the FTC. The report number XXXX and I have attached a copy of the ID Theft Report with this complaint. I have reached out to this company to no avail requesting information about this account and they can not give me anything. Please review and remove this fraudulent item from my credit report immediately please.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below

Company response to consumer: Closed with explanation