vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
This is an update from complaint # XXXX. 

The text of the complaint is : " On XX/XX/XXXX, I received a notice from my credit monitoring service that a change took place on my credit report. I reviewed my credit report and found a hard inquiry from Capital One. It was not applied for by me, and I had had 4 other instances of identity theft happen in the last year and I even had placed a credit alert on my credit record. I called Capital One that day and many times over the next week, and no one could find the account ( I'm guessing since they denied to open it ). Soon, I received a letter in the mail declining opening the account, a Capital One Justice credit card. I called that day and told them it was fraudulent, and asked that they relay that it was fraudulent. However, I never received a written confirmation that they would mark it as fraud and notify the credit bureaus. I noticed it was still on my account on XX/XX/XXXX, and contacted Capital One through XXXX, asking for a call. I explained the situation again, and asked for a letter confirming it would be marked as fraudulent and to have it removed from my credit report. It is still on my credit report as of today, and I have still received no written confirmation. I have recently applied to refinance my student loans and I am concerned this will impact the rate I receive. '' I received word from Capital One after submitting this dispute that they have contacted XXXX to remove it from my report. 

I do not believe this to be true, as it still appears on my XXXX credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Control, LLC
State: NJ

Complaint narrative:
I notified the collection agency about this alleged debt that I do not owe.

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 2020-05-09 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: MN

Complaint narrative:
Today, XX/XX/2020, I met with my Housing advisor to review the content on my credit report. It shows an account that I still owed according to Equifax. I have paid all of my student loans for XXXX XXXX XXXX XXXX. This is affecting my process of home purchasing because it says I am behind. I want this removed, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC
State: AZ

Complaint narrative:
West Lake Financial has reported to my credit that I have a write off on the vehicle I had a loan for in the past. They reported false information on my credit, and have not removed it. I have paid my last payment to them IN FULL in the amount {$330.00} on XX/XX/XXXX, of XXXX. This should have been resolved and not reported as incorrect information. It is not a write-off. I also have the title to this vehicle to prove that they sent it to me in return for the last payment sent on XX/XX/XXXX of XXXX. As well as bank statements. It is now XX/XX/XXXX. I would really appreciate it if this is taken off my credit history. As this is definitely FALSE information. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
The initial notarized dispute letter was mailed certified to TransUnion, and with a return receipt request by me on XX/XX/2020. The letter was disputing inaccurate and unverified information on my credit report. The notarized dispute letter was received by TransUnion on XX/XX/2020. I waited the required 30 days, plus allowed more time for a response from TransUnion, and 45 days later I received no response. 

On XX/XX/2020, I mailed another certified letter of non-response, along with a copy of the initial certified letter of the dispute ( also certified and requesting a return receipt ), and a copy of the initial return receipt stamped by TransUnion on XX/XX/2020. I requested all negative unverified items to be removed since they had not responded within 30 days or more. I also asked them to send me an updated credit report to reflect this update. But instead of the items being removed, and getting an updated credit report, I received a letter stating that the investigation was now complete, verifying items as accurate with no proof and also stating that I could dispute the items with 100 words or less. It also stated that I could pay {$9.00} to request a copy of my credit score since I did not order one.

Not only is this an insult and a slap in the face, but it is also a clear violation of FCRA, 611 ( a ) ( 5 ). Please help me to resolve this matter as I am a 100 %  XXXX veteran fighting to resolve a matter that has been an issue for some time now. I know my status as a XXXX Veteran may not appeal to you, but it surely does frustrate me after fighting for a country that can not seem to give me a little justice regarding a matter that harms no one but me. Thank you for your attention to this matter.

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 2020-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I disputed this alleged debt that Resurgent Capital Services is trying to collect from me. 
They had 30 days to investigate. They refused to investigate my dispute because they stated that I'm dealing with a credit repair company. This is not so. I have a double XXXX in XXXX, I have worked in XXXX for over 35 years I'm more than qualified to write and dispute an alleged debt that does not belong to me. 

I'm making a last goodwill attempt to get this alleged debt deleted from my credit report. If the results are not agreeable to me I will be forwarding this to my attorney to sue for damages for defamation of character and other Consumer Fair Credit Report violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Inquired about my credit rating without my permission. On XX/XX/2020 the company asked for my social to prove who I am over the phone, I never gave written or verbal consent for them to run my credit score.

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 2020-05-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: CA

Complaint narrative:
I am writing to formally contest the unfair determination, denying my multiple applications for the Public Service Student Loan Forgiveness Program program. I have worked in public service continuously for my entire career and have been paying on my student loans since XXXX. I was denied this last time due to an issue that could be rectified immediately with a public EIN search. There are extensive notes and annotations on my account explaining the situation that I have been put through by this incredibly poorly managed federal program. 

When I submitted the initial application in XXXX, my application was denied and I was also denied the Temporary Public Service Student Loan Forgiveness Program because my payments were not considered qualifying. I was put in an appropriate payment plan, which I was told that if I paid for an entire year, I would be eligible again once that year was up. I submitted my forms again at the conclusion of the qualifying payment term and my current application, which is perfectly acceptable, has now been denied repeatedly for completely unfounded reasons. 

The most recent denial has happened after spending hours on the phone with representatives and following all explicit instructions on how to fix the issue. I was told that I needed to submit an explanation why the EIN from my employer is different on the form submitted in XXXX, which I did in writing via the website. I qualify for this program and yet have been repeatedly denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
I have contacted SEQUIUM ASSET SOLUTION once a week to try and resolve this debt and they will not call me back and I have received no written notification about the debt, but when I dispute the debt with my credit bureaus they reply to them to confirm the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09 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: U.S. BANCORP
State: CA

Complaint narrative:
US Bank shows 3 credit inquiries related to a mortgage application that I made between XXXX XXXX to XXXX XX/XX/2019. 

They had a system problem that caused me to have to submit the application 3 times. First one would not allow my social security number to be entered and I used my wife 's. They said they'd need a whole new application. They then advised I need to talk to a different dept of the bank who required another hard pull but said they'd remove the other 2. They did not.

It's OK for me to have 1 hard pull, BUT NOT 3 of them. They said they'd take care of these extra 2 credit pulls ( remove from XXXX ). They have not done this for 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 2020-05-09 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:
There are several accounts that is reporting inaccurate late reportings on my credit file. The following accounts are reporting inaccurate lates : I was never 30, 60 or 90 days late on the following accounts : XXXX XXXX XXXX XXXX - Open date XX/XX/XXXX XXXX XXXX - Open date XX/XX/XXXX The following accounts is not mine : XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Personal information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America is reporting a wrong address and balance to XXXX. I have tried over 5 months to have XXXX and Bank of America correct the issue ... and my credit report still shows the wrong address and balance. My address with this Bank of America auto loan account should be : XXXX XXXX XXXX, XXXX XXXX, CA XXXX. The balance should report Paid in Full, {$0.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-09 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
After reviewing my current Experian credit report I once again notice that Experian is in violation of fcra rules 1681. 

Account : ( XXXX XXXX XXXX XXXX ) original creditor : XXXX XXXX XXXX ; inaccurate reporting, unverifiable account. 
Note : this account was reinserted back in XXXX of 2020 and was deleted in XXXX of 2020. 

And now has been reinstated again as of today XX/XX/2020 Experian continues to reinsert this account without letter of reinserting 5 business prior to reinserting as required by federal law fcra rules 1681. This a violation

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 2020-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Federal Adjustment Bureau, Inc.
State: NC

Complaint narrative:
A previous complaint was filed. They ignored the requested information in said complaint. I received a letter from XXXX XXXX, V.P. of operations who seemed overly interested in a bankruptcy instead of providing the due information under the FCRA & FDCPA. 
I am formally requesting that you validate all tradeline notations you have submitted by FABCO. 
Due to possible inaccuracies in these CRA reports, I must demand that the validation I hereby lawfully requested be in the form of a notarized statement by a person with original knowledge of the debt as it was constituted and who can testify that the debt was incurred legally, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable. 

Please be advised that I am not requesting a verification that you have my mailing address ; rather, I am requesting validation, i.e., competent evidence that I had some contractual obligation sans consumer protection encumbrance which incurred the original claims associated with this tradeline. 

Please also provide proof FABCO is legally allow to collect and licensed outside the state of Ohio. 

Please be further advised that continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for criminal complaints being filed in accordance with FDCPA, FCRA, and other federal statutes.

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 2020-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Bank Private Client Checking Account # XXXX  I reported my debit card as lost/stolen on XX/XX/XXXX on the phone with an agent from the claims department. There were 4 transaction on the card that I reported as unauthorized, which are as follows : XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX for the amount of {$5200.00} posted on XX/XX/XXXX XXXX XXXX XXXX ON XX/XX/XXXX for the amount of {$5700.00} posted on XX/XX/XXXX XXXX XXXX ON XX/XX/XXXX XXXX for the amount of {$130.00} posted on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX for the amount of {$970.00} posted on XX/XX/XXXX It is now XX/XX/XXXX that I am filing this complaint, and no credit has yet been appeared on my account for these fraudulent transactions. The agent on the phone told me that I would receive a temporary credit for these transaction within 24 to 48 hours pending an investigation which could take up to 30 days. Since the debit card PIN has not been used in any one of these transaction, according to law, I am not to be held liable for any of these fraudulent transactions, since the reporting of the fraud was prompt. Please assist. I have tried calling the claims department multiple times to check on the status of the claim and why I have not yet received the credits, however, I have been unable to reach an agent due to the long waiting times. Thank you for your time and consideration. 
-XXXX  XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I had opened a citizens bank account and the bank refuses to let me have access to my XXXX that Ive deposited into my account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09 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: NY

Complaint narrative:
Hello : I am requesting assistance with three credit reporting agencies as well as XXXX XXXX Credit Card. 

While requesting my free annual credit report, I observed there to be asking/verifying questions in which is not applicable to me. 

1. I was asked about a car loan, car loan payment amount, pet insurance and student loan information. I do not have these information on my credit report. why is it showing up there. I dont have any of these about mentioned accounts. 

On an ongoing basis, I have noticed my account balances to be incorrect as well as the account limits. 

XXXX XXXX also reported me late in XX/XX/XXXX and XX/XX/XXXX, when I paid from a bank account on time. 

My XXXX card balance is incorrect. They are reporting me late, when I pay my accounts on time every month. 

I requested to receive SCRA benefits from XXXX  XXXX, in which I was denied SCRA benefits on my XXXX  XXXX account. I was advised this is a law. They also reported late, when I explained to them I was in training and the bills went to the incorrect address. 

The account was also on reoccurring monthly payments. which they took out payment but still reported as late. I am asking assistance with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I was offered a settlement amount by AMEX and paid it on XX/XX/2020. This was settled directly with them, not a collection outfit Rather than report it as settled, they restarted the clock and reported the case as a new charge off. I was very clear in asking about how this would be reported. Now they have alluded that I could pay the rest to report it as settled in full even though their letter states they would not try and collect the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: VA

Complaint narrative:
XXXX XX/XX/2020 - XXXX XXXX XXXX NMLS # XXXX ) of XXXX XXXX XXXX  informed me my credit score wasnt good enough for a VA XXXX XXXX. Stated I would have to pay 3 points / ~ {$17000.00} to obtain a 3.875 % XXXX XX/XX/2020 - XXXX XXXX ( NMLS # XXXX ) of Amerisave Mortgage Corp quote a refi rate of 3.625 % with {$2000.00} lender costs plus title and appraisal fees. When informed I was aware VA XXXX did not require appraisal he stated my credit was not good enough. When questioned credit requirement he abruptly ended the conversation. 

I owe {$510000.00} on a house that appraised at {$590000.00} 6 months ago when I bought it. I have installed a {$60000.00} pool and am confident the prosperity value is north of {$600000.00} based on local comparables. 

Why cant this Veteran with a service connected XXXX get a VA XXXX????

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Block, Inc.
State: DC

Complaint narrative:
On XX/XX/XXXX I discovered three fraudulent charges on checking account 's debit card : 1. {$000.00} Square Inc . 
2. {$1000.00} CASH APP*XXXX  XXXX, CA # XXXX 3.  {$1000.00} CASH APP*XXXX  XXXX, CA # XXXX I've contacted my bank, filed a fraud claim and changed the card. 

Today on XX/XX/XXXX I receive a visa debit card " Cash Card '' in the mail from Square Inc. with a full credit card number on it and my correct name etc. 

I have not applied for this card and I think it is related to the two fraudulent charges from my checking account debit card. I tried to contact Cash App as well as Square Inc. over the phone but they don't over live help over the phone. I would like them to close this account that I have not opened. This is a scam and I don't even know how they opened this account in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: GA

Complaint narrative:
I contact Midwest Recovery Systems three times to see the nature of the debt. I have never conducted business with this company of any affiliates. I have asked the representatives to verify the debt to which they could not find any information regarding me ever having an account with them. To no avail I have tried to dispute this from my credit report. It is effecting my credit score because it shows up as a collection. However I do not owe this company anything because I have never had any business with them or any of their affiliates.

Company response to consumer: Closed with explanation