vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio
State: NM

Complaint narrative:
I contact this company to find out that they are reporting against my credit for a check cashed with them from a company that Ive never worked for. Ive never cashed a check with them. They are still reporting against my credit and I want them to stop because it was not me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: NM

Complaint narrative:
I contact this company to find out that they are reporting against my credit for a check cashed with them from a company that Ive never worked for. Ive never cashed a check with them. They are still reporting against my credit and I want them to stop because it was not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Synchrony bank has charged my account erroneous late fees although my payment was submitted. They have also changed my monthly payment due to {$69.00} when the agreed minimum payment per month s contracted with through XXXX was {$40.00} per month.

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 monetary relief
Consumer complaint received 2021-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I have summited on the last complaint three account that PORTFOLIO RECOVERY is collecting. From their response from my letter they ONLY responded to two of the account. The account number XXXX I never received anything. Also on the response that they uploaded to CFPB they did provided paperwork but one of them is from XX/XX/XXXX and XX/XX/XXXX was sent to XXXX XXXX XXXX  which I have stopped doing business them at least two years ago. Since I never received anything for this account XXXX PLEASE delete this tradeline from all three credit bureaus. I am going to attach the letters that i sent them also the response i received from them in which case their is no response for account XXXX. They have my correct address since they send me a letter with no information I requested to validate the account that they are collecting on.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Sir or Ma'am Capital One Case number XXXX./Case number XXXX {$47.00} Credit Card Company Capital One was was notified XX/XX/2021 via phone and fax that I did not start my business and cancelled coverage with XXXX XXXX. I provided notifications with copy of Policy Cancellation XXXX via fax number XXXX, disputing {$90.00} charge XX/XX/2021. 
I don't agree with XXXX XXXX allowing XXXX XXXX to continue to charge my new card last four XXXX. Also I did not provide new card number to XXXX Insurance. Capital One arbritarily still allowed XXXX XXXX to charge the new card. 
Capital One indicated they would place a merchant block for future transactions which they did not place a block. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. It has been over 30 days and I have not received a response or any notification of the status. I feel deeply that I have been taken advantage of and my disputes are being ignored.Section 611 ( a ) states clearly that failure to investigate these items within 30 days is reason to immediately removal from my credit report. It has been over 30 days and they should be deleted. I demand that theses items be deleted or I will file for litigation due to the stress of this situation.My information was impacted by the XXXX data breach and could have possibly been affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
My checking account was closed in XX/XX/2019in the amount of XXXX due to them allowing a company to take out funds from a debit account that was not a credit card account causing me overdraft fees and then closing my account and I really do not have the funds to reopen it because i am on a fixed income. 

I spoke with an secretary to the President of the bank and she stated that they should re-open the account since the balance was near to XXXX dollars. So I have contacted them by phone, in-person and written communications to no avail.

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 2021-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Collection was placed on my credit file in the amount of {$6200.00} on XX/XX/XXXX. I have made several attempts asking for validation of this debt since XX/XX/XXXX. Giving them the required 30 days for a response time according to fair credit reporting act FCRA. And have not received a single shred of evidence of this debt belonging to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 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: TX

Complaint narrative:
Equifax made major error when I reported a incorrect 5plus year old item on my report. They proceeded to mishandle the dispute which resulted in a 2nd error dated as XX/XX/XXXX on an account that was paid in full and closed in XX/XX/XXXX. When contacted Equifax did their typical " its not our error '' and blamed it on the XXXX XXXX who owned the completed and paid account in XX/XX/XXXX. 

Credit reporting bureaus make mistakes constantly and then are slow and bureaucratic removing errors. In this case Equifax processed the dispute incorrectly and posted a 60 day late delinquency on XX/XX/XXXX credited to XX/XX/XXXX on an account paid in full XX/XX/XXXX - over 5 year prior. 

Equifax is in violation of the FCRA is posting incorrect information and promptly blaming other institutions for their mistakes and illegal reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XXXX made major error when I reported a incorrect 5plus year old item on my report. They proceeded to mishandle the dispute which resulted in a 2nd error dated as XX/XX/XXXX on an account that was paid in full and closed in XX/XX/XXXX. When contacted XXXX did their typical " its not our error '' and blamed it on the JPMC Chase who owned the completed and paid account in XX/XX/XXXX. 

Credit reporting bureaus make mistakes constantly and then are slow and bureaucratic removing errors. In this case XXXX processed the dispute incorrectly and posted a 60 day late delinquency on XX/XX/XXXX credited to XX/XX/XXXX on an account paid in full XX/XX/XXXX - over 5 year prior. 

XXXX is in violation of the FCRA is posting incorrect information and promptly blaming other institutions for their mistakes and illegal reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 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: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
Because of Corona 19 Pandemic, I have a hardship, I called my mortgage lender Bay View / Community Loan Serving and I asked for help on XX/XX/2020. I was told that I will be in the forbearance program ( attached documents ), My credit report shows 13 months Mortgage payments late beginning XX/XX/ 2020. The bank has been pushing me to get my mortgage account current and I am doing my best. None of my family members or friends have late payments on credit report while they were in the forbearance plan. I am requesting that the bank correct the 13 mortgage payments late in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 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: Harvard Collections, LLC
State: MO

Complaint narrative:
I am a victim of Debt Parking by XXXX XXXX XXXX XXXX XXXX, IL. I have never heard of this company and have never been contacted by this company regarding this debt that has placed onto my credit report a debt of {$1100.00} supposedly from the Illinois Department of Human Services who also has never made aware to me this supposedly debt. I have no dealings whatsoever with the State of Illinois and, have not even lived there in over 35 years. 

I am in the process of working to clean up and pay off my legitimate debts on my report when in early XXXX this month, I was notified through my XXXX account about this new debt from Harvard being parked onto my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 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:
Because of Corona 19 Pandemic, I have a hardship, I called my mortgage lender XXXX XXXX XXXX XXXX XXXX XXXX and I asked for help on XX/XX/2020. I was told that I will be in the forbearance program ( attached documents XXXX, My credit report shows 13 months Mortgage payments late beginning XX/XX/2020. The bank has been pushing me to get my mortgage account current and I am doing my best. None of my family members or friends have late payments on credit report while they were in the forbearance plan. I am requesting that the bank correct the 13 mortgage payments late in my credit report.

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 2021-05-15 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:
Because of Corona 19 Pandemic, I have a hardship, I called my mortgage lender XXXX XXXX XXXX XXXX XXXX XXXX and I asked for help on XX/XX/ 2020. I was told that I will be in the forbearance program ( attached documents ), My credit report shows 13 months Mortgage payments late beginning XX/XX/2020. The bank has been pushing me to get my mortgage account current and I am doing my best. None of my family members or friends have late payments on credit report while they were in the forbearance plan. I am requesting that the bank correct the 13 mortgage payments late in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 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:
Because of Corona 19 Pandemic, I have a hardship, I called my mortgage lender XXXX XXXX XXXX XXXX XXXX XXXX and I asked for help on XX/XX/2020. I was told that I will be in the forbearance program ( attached documents ), My credit report shows 13 months Mortgage payments late beginning XX/XX/2020. The bank has been pushing me to get my mortgage account current and I am doing my best. None of my family members or friends have late payments on credit report while they were in the forbearance plan. I am requesting that the bank correct the 13 mortgage payments late in my credit report.

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 2021-05-15 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Hello. I was the victim of ID Theft. Someone pretending to be from the bank contacted me about my account. The person then requested access to my account to verify my identity. I am XXXX years old, this is my first account and I did not know this was fraud. I provided this person with my account username, password, social security number, birthday to verify my account. The person then used that information to make unauthorized XXXX transactions from my account to other people that I do not know. Before this happened, I had NEVER used XXXX. There were 15 transactions made. I have contacted Chase Bank to help me recover some of my losses to no avail. These transactions were not authorized and done without my knowledge. These same people applied for a PPP loan in my name, committed XXXX XXXX fraud, applied for Unemployment Insurance in Indiana in my name, accessed my email, my XXXX XXXX, my phone, XXXX account, and my XXXX  account. I have filed a police report, reported my social security number stolen, got a new ID, I put a fraud alert on my credit reports, and filed an FTC Complaint. I don't know what else to do. I just want my money back. Please help. 
XX/XX/2021 {$5.00} XX/XX/2021 {$100.00} XX/XX/2021 {$100.00} XX/XX/2021 {$200.00} XX/XX/2021 {$320.00} XX/XX/2021 {$300.00} XX/XX/2021 {$200.00} XX/XX/2021 {$200.00} XX/XX/2021 {$200.00} XX/XX/2021 {$400.00} XX/XX/2021 {$1000.00} XX/XX/2021 {$500.00} XX/XX/2021 {$500.00} XX/XX/2021 {$300.00} XX/XX/2021 {$200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
On XX/XX/2021 I have been in pain for 4 days, I finally found a dentist who proposed me to help but the only way I must sign a contract for a credit. I received a treatment plan with 5 visits where it has been clearly defined how they will proceed. After my first, I called them and explained I could not afford the credit bill it was too expensive. They told, they cant reverse the transaction, upon I completely agree to pay the treatment. Next, I reached out to the lender to ask if they could help me with the issue, but they also refused to refund me. I have been charged unjustly for 5 visits, while I only get one. Please I need help with this issue! Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
On XXXX XXXX, 2021 I received a form letter from Nordstrom stating that it had " blocked '' an account for " security. '' The day it issued the card, it says, {$800.00} was charged to the card, so it blocked it. The charges occurred at two stores fifty miles from my home. There is a Nordstrom store three miles from my home. I wrote a letter to Nordstrom, on XX/XX/XXXX, stating I have no credit card relationship with Nordstrom, never had. I received phone calls from Nordstrom, restated the fact that Nordstrom and I have no legal relationship whatever. I confirmed the statement a second time by letter dated XX/XX/2021. " Nordstrom '' refuses to go away, it keeps sending monthly statements, robo calls, and now states it has reported its claim to a credit agency. I wrote a third letter, dated XX/XX/XXXX, enclosing a copy of my driver license and a copy of the State Bar of California page showing I am licensed to practice law. I repeated that whoever and however Nordstrom issued a card, it did not issue it to me. I demanded all documents which show how it issued the card and what facts it possesses that supports its claim it issued the card to me. " Nordstrom '' has not responded in writing to the letters. I am XXXX, a male, and have never purchased anything in a Nordstrom store. How to make this block of stone stop harassing me? Suing it is not a solution for a XXXX year old man with severe congestive XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-15 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
This is a very old alleged debt. Navient consistently call, text, emai and leave messages. During the pandemic when loans were supposed to be suspended, Navient has harassed me and did not cease from damaging my credit reports by not affording the protections encoded by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 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: IA

Complaint narrative:
This student loan was in a repayment plan up until XX/XX/XXXX when I was told that the remaining debt was considered satisfied for less than the full balance following the plan completion. My parents received collection letters beginning in XXXX for an outstanding balance but I was never directly contacted. When I contacted XXXX XXXX XXXX about an outstanding balance of over {$1100.00} spanning 3 accounts in XX/XX/XXXX, I spoke with a representative and informed them that I had already paid off the balance following a repayment plan ending in XX/XX/XXXX. At that time, XXXX informed me that their legal team would investigate the account. Upon completion of the investigation, they informed me they would cease collection activities. I did not pay this account off in XX/XX/XXXX since it was already paid off as of XX/XX/XXXX, so the credit reporting incorrectly reflects the account as in a collection status from XX/XX/XXXX through XX/XX/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 2021-05-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
I paid off my mortgage with XXXX XXXX XXXX  on XX/XX/2021 and was advised that a satisfaction of mortgage would be submitted to the county of recording XXXX XXXX County FL ) within 60 days as required by state law ( based on my knowledge and review of Florida requirements of mortgagees ). 

I called XXXX XXXX XXXX  on or around XX/XX/2021 to request status of the document as it was nearing the 60 days requirement. I was advised they were backlogged and could not give an ETA on when the document would be submitted, but that it would be completed as soon as possible. As of XX/XX/2021 XXXX XXXX XXXX still has not filed the satisfaction with the county clerk.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
Barclaycard reviewed my credit report without my consent and lowered my credit limit. They did not give me notice of this and did not inform me of the change. I only found out when I went to pay my balance in full. I called them and they said that I had too many inquiries. 75 % of my inquiries are related to obtaining car loans and they were all pulled on the same day. These should only count as 1 when looking at credit report. I have asked them to increase it again and they told me the only way they could would be to do a hard credit pull which would add another inquiry to my credit report. They were not helpful.

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 2021-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
This is me and I give permission to continue this investigation TransUnion has violated the law on several occasions. With the following inquiries which appear on my consumer report ; which is, in violation of : 3. ) Violations of 15 U.S.C 1681a 2 ( i ) 4. ) Violations of 15 U.S.C 1681b 2 5 ) 15 U.S.C. 1681a 2 ( b ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation