vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-17 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
HAS BEEN MAILED VIA CERTIFIED MAIL TO XXXX, XXXX, XXXX FRAUD DEPTS : UTILITY BILL, DRIVERS LICENSE, SOCIAL SECURITY CARD, MILITARY ID, FTC ID THEFT REPORTS, XXXX   DATA BREACH CLAIM/ VICTIM LETTER, XXXX E-MAIL DATA BREACH VICTIM LETTER, REQUEST TO REINVESTIGATE OR BLOCK FRAUDULENT ACCOUNTS. 
MY IDENTITY HAS BEEN USED FRAUDULENTLY TO OPEN ACCTS, MY EXISTING ACCTS WERE EITHER TAMPERED WITH WITHOUT MY CONSENT OR TRANSACTIONS DONE WITHOUT ME KNOWING BY HACKERS. I AM FED UP OF DEALING WITH THESE CRAS AND THEY DONT NOT REVIEW RECEIVED INFORMATION OR VERIFY NEITHER CONFIRM REINVESTIGATION DOCUMENTS SUBMITTED. THEY ARE NOT IN A POSITION TO BE A REPORTING AGENCY SINCE THEY ARE SIMPLY A MIDDLE AGENT FAVORING THE CREDITORS. I AM A PRIVATE CITIZEN AND NOT A STATE OR FEDERAL ACTOR AND I TAKE MY PRIVACY SERIOUS. CERTIFIED MAIL LETTERS HAVE BEEN MAILED OUT TO ALL THREE CRAS AND XXXX STILL REPORTS INACCURATE FALSE INFORMATION ON A PRIVATE CITIZEN ALSO XXXX REPORTS A FRAUDULENT COLLECTION TOO.

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 2019-09-17 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:
HAS BEEN MAILED VIA CERTIFIED MAIL TO XXXX, EQUIFAX, XXXX FRAUD DEPTS : UTILITY BILL, DRIVERS LICENSE, SOCIAL SECURITY CARD, MILITARY ID, FTC ID THEFT REPORTS, EQUIFAX DATA BREACH CLAIM/ VICTIM LETTER, XXXX E-MAIL DATA BREACH VICTIM LETTER, REQUEST TO REINVESTIGATE OR BLOCK FRAUDULENT ACCOUNTS. 
MY IDENTITY HAS BEEN USED FRAUDULENTLY TO OPEN ACCTS, MY EXISTING ACCTS WERE EITHER TAMPERED WITH WITHOUT MY CONSENT OR TRANSACTIONS DONE WITHOUT ME KNOWING BY HACKERS. I AM FED UP OF DEALING WITH THESE CRAS AND THEY DONT NOT REVIEW RECEIVED INFORMATION OR VERIFY NEITHER CONFIRM REINVESTIGATION DOCUMENTS SUBMITTED. THEY ARE NOT IN A POSITION TO BE A REPORTING AGENCY SINCE THEY ARE SIMPLY A MIDDLE AGENT FAVORING THE CREDITORS. I AM A PRIVATE CITIZEN AND NOT A STATE OR FEDERAL ACTOR AND I TAKE MY PRIVACY SERIOUS. CERTIFIED MAIL LETTERS HAVE BEEN MAILED OUT TO ALL THREE CRAS AND EQUIFAX STILL REPORTS INACCURATE FALSE INFORMATION ON A PRIVATE CITIZEN ALSO XXXX REPORTS A FRAUDULENT COLLECTION TOO.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Its been more than a month fighting with Bank of America regarding unathorized charges on my account and the treatment of bank of america towards those who are in a weak state while XXXX amd XXXX. It is a fact that those who views when you to use prepaid cards in that position are already in financial distress and it's appalling the Bank of America would take advantage of that and not honoring standard industry minums regarding provisional credit. 

An answer to my prayer complaint filed with the cfpb Bank of America in retaliation denying every single claim I had made in that group

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 2019-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I have disputed a an electricity bill that I paid in XX/XX/XXXX, the utility company wanted to charge a redeposit fee of {$270.00}. I did not agree and sought another service provider. The reason this happened was due to me being displaced from an act of God a Hurricane XXXX. I am still not in my home and this is the only negative remark that is unfair not accurate and is impacting me negatively as a home owner and US Veteran Business Owner. I have tried to pay the Alleged amount owed under protest on XX/XX/XXXX only to have my check returned. I will forward the documents as proof. This agency can not have it both ways and this last act only affirm what I have always maintained. This is not a legitimate claim and should not be on my credit profile. In addition to this complaint I will be forwarding a formal letter to the Three major credit reporting agencies with supporting documentation. I need to be treated fairly based upon the Fair Credit Reporting Statute. This has not been the case as it relates to this issue. My documentation supports my argument.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I have two XXXX XXXX accounts that were apparently charged off and bought by this company, but they have very similar amounts, and the same account number. I've only ever had one XXXX XXXX product. The dates are similar too. I am requesting validation of these debts as they do not make sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have two Capital one accounts that were apparently charged off and bought by this company, but they have very similar amounts, and the same account number. I've only ever had one capital one product. The dates are similar too. I am requesting validation of these debts as they do not make sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Activehours
State: AZ

Complaint narrative:
XXXX claims their sole purpose is to reduce or mitigate overdraft fees. Upon complaints from other individuals they have successfully reached out to several in regards to having overdrafted them when funds were not in a positive balance. This clearly goes against what this company stand for as far as their business motto goes. By offering consumers a pay day loan and continually reducing the amount a consumer can receive back also shows they do not care about their consumers and only further the benefit of even having the payday loan. They further hurt the consumer without regard to their financial wellbeing. I suspect I am not the only one who feels this way. I suspect more are suffering financial abuse by XXXX. 

XX/XX/XXXX : XXXX debited XXXX from bank account. Credit issued of XXXX XX/XX/XXXX : Advised unable to pay loan due to having XXXX XXXX off and the amount will end up with overdraft fees. They rescheduled payment to XX/XX/XXXX. 

XX/XX/XXXX : Account in negative standing after payday XX/XX/XXXX. XXXX in bank. XXXX took XXXX. Unable to retrieve funds back until account is XXXX. Reduced pay out amount. Reduced from XXXX to XXXX. Account will receive overdraft upon finalization of pending transaction. XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Overcharged for a purchase or transfer you did make with the card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
On XX/XX/2019, I withdrew/transferred {$75.00} to my bank account. I had an overdraft fee from a courtesy pay that I was covering because I knew I had another withdrawal that needed to come out on XX/XX/XXXX and I needed it to be covered by my courtesy pay. The withdrawal never happened, it didnt even show on my account transactions, so I called Amex Serve Card on XX/XX/XXXX because the transfer never took place and my courtesy pay could not pay my transaction, so I ended up with another bounced check fee and the bill that courtesy pay would have covered didnt get paid. When I called Amex they told me it could take up to 5 business days for a transfer to take place. I told them I have done this many times and it never takes more than 2 days for the transfer to take place. Then when I checked my transactions this morning XX/XX/XXXX it is on my transactions for XX/XX/XXXX, even though they deducted the money from my account on XX/XX/XXXX. Now I cant even dispute the transaction with the bank based company n the  transaction date, which was before the auto pay date. So I have charges from the bank, my car payment company and my car payment didnt get paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my Transunion credit report. This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation of INACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit

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 2019-09-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I received a call from Capital One and XXXXXXXX XXXX card companies. They both said that they had not received a payment. I thought that it was odd, since both we on auto bill pay. I looked into my accounts, and Capital one had been " paid '' but the auto bill pay for XXXX XXXX was gone. I called XXXX, and determined that the auto bill pay had been deleted for XXXX the same day that " Capital One '' had been paid. I noticed that the amount was different than normal. So I called Capital One and they confirmed that the payment was not made to them. I then called XXXX XXXX and reported the charge as fraud and the money was refunded to me. XXXX confirmed that my account must have been hacked and that I needed to change my user name and password and if the charges continued, then I would need to change my account number. I had the payments all set up, like I have for years, so I requested that the charges be removed as late from my credit as I immediately set up payment, but my account being hacked and fraudulently payments had been made in the company 's names. XXXX advised me that it was not their issue and to file a complaint with the credit bureau if I felt it was an issue. I was told " Good Luck '' with getting anything removed as someone hacking my account was not taken into consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 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: TX

Complaint narrative:
I received a call from XXXX XXXX and XXXX Credit card companies. They both said that they had not received a payment. I thought that it was odd, since both we on auto bill pay. I looked into my accounts, and XXXX XXXX had been " paid '' but the auto bill pay for XXXX XXXX was gone. I called XXXX, and determined that the auto bill pay had been deleted for XXXX the same day that " XXXX XXXX '' had been paid. I noticed that the amount was different than normal. So I called XXXX XXXX and they confirmed that the payment was not made to them. I then called XXXX XXXX and reported the charge as fraud and the money was refunded to me. XXXX confirmed that my account must have been hacked and that I needed to change my user name and password and if the charges continued, then I would need to change my account number. I had the payments all set up, like I have for years, so I requested that the charges be removed as late from my credit as I immediately set up payment, but my account being hacked and fraudulently payments had been made in the company 's names. XXXX advised me that it was not their issue and to file a complaint with the credit bureau if I felt it was an issue. I was told " Good Luck '' with getting anything removed as someone hacking my account was not taken into consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a VICTIM of inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my Transunion report XXXX This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation of INACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit

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 2019-09-17 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: ERC
State: LA

Complaint narrative:
On about XX/XX/2019, this supposed debt existed with a debt collector, named XXXX XXXX. I exercised my right, and questioned the validity of the debt. The creditor promptly deleted all files from all of my credit reports. On XX/XX/2019, I received the attached notice from Enhanced Recovery. The letter was dated on XX/XX/2019. I mailed Enhanced Recovery, the same day after receipt, via certified mail, questioning the validity of the debt. I explained to them that this " debt '' was sold to them by XXXX XXXX in my letter, that I have attached, because the debt could not be validated. According to the USPS, my letter questioning the validity of the debt was received by a representative from Enhanced Recovery on XX/XX/2019. I waited the 30 required days from the date of receipt for validation of the debt, and did not receive anything from Enhanced Recovery. I routinely receive updates on my credit reports, and this morning, XX/XX/2019, I received notification that Enhanced Recovery reported this supposed debt to the credit bureaus. I reviewed my report directly from Experian, and it shows that this " account '' was opened on XX/XX/2019, so Enhanced Recovery not only did not validate the debt with me after I requested them do so. They assumed this debt was " valid '' without providing me, the consumer, proper verification of the " debt ''. This adverse action committed by Enhanced Recovery has severely hurt my ability to obtain credit. I have been searching to obtain a home for my family, and this drop in my credit reports could potentially cost my family thousands of dollars. This action is malicious, and they have violated Fair Credit Reporting Act 611 ( a ) 1 ( A ), Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Fair Credit Reporting Act Section 617. I followed the law, by asking for proof of this debt they are reporting, and not only did they not provide it to me. Enhanced Recovery reported it adversely to the credit bureaus. Enhanced Recovery broke the law, and hurt my family.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Hi. Starting XX/XX/XXXX, I noticed through my Equifax Premier Plan that I pay for ( $  XXXXmonthly ) accounts were beginning to disappear from my credit report. As of XX/XX/XXXX, there are 16 accounts that have been deleted from my CR. I have contacted Equifax five times hoping to have them fix my CR but they have not and will not and can not explain why this is happening. I immediately contacted the banks/creditors to verify they are still reporting every 30 days to EQ and they are. They have not deleted any information from my EQ file. My XXXX XXXX and XXXX files are not affected and are correct. Reps at EQ would not escalate my issue to anyone higher or their consumer affairs dept which it what was advised to me through the banks/creditors of the 16 accts that have disappeared from my report. Also wouldn't it be odd that 16 accounts would just mysteriously be deleted from my CR and Equifax unable to explain why? I've never had any issue with EQ until now with their credit monitoring product that I purchased on a monthly basis. Please advise what legal steps can be taken to correct this problem. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XX/XX/19 I tried to remove a security freeze via the experian website https : //www.experian.com After inputting the correct information several times including places I've lived, current address, ssn, dob, and pin, I was still unable to life a freeze and was told to mail in my request. Calling them does nothing as every single options just leads to a computer telling you to mail in requests.

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 2019-09-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was told the item for XXXX XXXX XXXX  account XXXX was deleted.. When I pulled the full report it is still on my credit report not deleted.

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 2019-09-17 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: LA

Complaint narrative:
We called Rushmore Loan Management Services in California on XX/XX/XXXX to request a payoff amount on our home improvement loan. Spoke with someone named XXXX. He said that he could not give us that. I asked why not, & he said it was their policy that they could either fax it to us or mail in about a week. So, today, I tried paying the monthly premium online, and then paying the balance of the amount shown on the page online. It would not let me pay it. We have the funds in our bank account to pay it off. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I reported to Carecredit that I was not receiving a bill and therefore was unable to make payments on the account. After receiving several fraud alerts from a credit monitoring service, I realized they were reporting negatively to the credit bureaus. It took several months for them to remedy the situation and they admitted that part of the problem was that they were outsourcing these customer service calls to call centers out of the country, therefore creating a language barrier which resulted in incorrect mailing address information being updated to my account, resulting in the mail delivery problem. 

Synchrony Bank promised to remove the delinquencies from my credit reports, but have not done so. My end of the bargain was to bring the account current and continue making regular payments on time so long as I received a bill. I have done this.

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