vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-24 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: ID Analytics, Inc.
State: CO

Complaint narrative:
I applied for and received a auto loan for a used car. Subsequently I received a letter from XXXX XXXX referencing credit freeze on my record with XXXX, which I authorized and their letter also reference SageStream LLC.

SageStream reported incorrect credit score and incorrect factors which affected my score as reported by SageStream.

I have never heard of SageStream, never authorized them to be used

or consulted regarding my credit score. Their information is incorrect and there is no way to reach them without disclosing too much personal information. I do not want to release personal information to a company I have not chosen to use nor one I have never heard of.
My credit score is readily available from XXXX, XXXX  and XXXX. I my records deleted from SageStream LLC. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
It's been over 60 days and no sign of investigation. I've contacted the Credit Bureaus in XXXX and no information has been given and credit report shows no sign of investigations. I have no knowledge or obligation to accounts and would like removed immediately.

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 2020-09-24 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I paid off a XXXX 's account that was transferred to XXXX. XXXX 's had previously reported the payment of XXXX but still reflected a balance when in fact this account was settled as of XX/XX/20 there should not have been a balance reported PERIOD! Now it has been reported to Equifax that I now owe almost {$6000.00}. This information has been reported erroneously and I will take further action if this account is not deleted immediately. You can not report inaccurate information!!!! I am in the middle of purchasing a home and this inaccurate information can be detrimental.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am a Chase Sapphire Preferred Card Holder. I have disputed an unauthorized charge multiple times now with Chase that they refuse to act on. I have proved that the vendor was supposed to fully refund and then didn't. I have proved that I am legally in my right to dispute the charge. They will not honor our card holder agreement and follow through on the dispute. Furthermore, now they are being deceptive and saying they haven't received any documentations from us yet they have been mailed, emailed AND faxed. Chase is showcasing deceptive practices on not protecting us as their consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL

Complaint narrative:
I'm filing this complaint against Lakeview Loan Servicing , LLC c/o XXXX XXXX XXXX because their phone system makes it impossible to ever get a live person unless you're actually trying to refinance, in which you will be sent to a loan officer to refinance, otherwise you will be in a continuous loop. Also the sub-service provider does not give you the information nor can you find the information to setup electronic checks to the company, you must use their website. The company has many horrible reviews online, including the fact that they charge you for late fee 's and their systems don't autodraft till they consider you late. They also charge fee 's for online payments in the tune of {$10.00} per transaction.

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 2020-09-24 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: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
This account was opened years ago and settled in XX/XX/2020. The account is still listed on my credit and when I dispute for removal they add more incorrect balance, date and payment information to the remarks. This same company removed the other account I paid off. This one is effecting me getting a home for incorrect information. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 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: GREAT WESTERN BANCORP, INC.
State: NE

Complaint narrative:
XXXX XXXX  is reporting XXXX XXXX listings closed as of XX/XX/2010. Under the FCRA, these should no longer be reporting as they are over 7 years old from date of last activity. Great Western Bank is now the owner of these accounts

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 2020-09-24 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Please forward the information to J.P Morgan Chase Bank. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Source Receivables Management LLC
State: IL

Complaint narrative:
XXXX is collecting asking for far more than what is owed and I have no recollection or proof of any of these fees incurred. This is bad for my credit I am trying to purchase a home and the company is being difficult.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AR Resources, Inc.
State: NJ

Complaint narrative:
I paid the outstanding balance owed under AR Resources and would like the item to be removed from my credit report ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Midwest Fidelity Services, LLC
State: MO

Complaint narrative:
I spoke with a representative of this company on XX/XX/2020 about resolving this debt. In the conversation I was informed that part of the debt was interest charged by the original creditor, which was a trash service company. I advised the rep that I didn't mind handling the bill where I received monthly service but I wasn't paying interest. I was told they couldn't do anything about the interest and to contact the original creditor. When I tried to contact them, I was redirected to the new company that bought out the previous one. I was told by the new company they they have no record of anything being sent to collections and that I owed them nothing. They also explained when they acquired the other company, they did not take on any past due accounts so they have no record of it. I contacted the collection agency again today, XX/XX/2020 to find out how they are able to collect on and charge interest on a debt for a company no longer in business. I got absolutely nowhere with the supervisor, XXXX XXXX and she refused to escalate the issue any higher than herself.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Revco Management, LLC
State: AR

Complaint narrative:
CBCS KEPT CALLING MY CELL AFTER CEASE AND COMMUNICATION LETTERS AND DURING AUTOMATIC STAY BK XXXX. 12 CALL DOCUMENTED SCREENS SHOTS.THEY ALSO WERE CALLING MY HUSBAND AT ( XXXX ) XXXX 15 TIMES AFTER THE SAME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-24 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: IL

Complaint narrative:
Trans Union rental department ran my credit twice for the same company without my permission. My credit File is locked I did not receive a call or email stating that a company was trying to access my credit report. This action caused my credit to drop XXXX points that was negligence on TransUnion and I asked that it be removed in my credit score to be adjusted accordingly. I sent the letter out but I had no response

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 2020-09-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: FL

Complaint narrative:
Opened the card in XXXX, went to collections, paid the full XXXX $ due- XXXX XXXX knew it was paid and the debt collection agency Jefferson Capital , put two collections on my credit, that were over with. I disputed both one for {$590.00} and one for {$660.00} in XXXX, it came back and they deleted it from my credit report. But it still remains on there, and a few weeks ago the one for {$590.00}, itll be falling off in XXXX anyways because it will be 7 years. But they inaccurately put it on my credit and said I t was opened 4 months ago and was seriously delinquent, but never did i receive a notice or phone call saying I had a debt. But it was paid back years ago, and so was the other one. {$590.00} collection by the same Jefferson capital, was opened in XX/XX/XXXX. And they have it saying it doesnt fall off until XXXX. I have disputed this and it was 100 % inaccurate. As soon as I started to find a mortgage loan they come back to my life and say I owe this. And it should be illegal to dropping my credit score and making it look like I have derogatory marks with them on my credit report. They ruined my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 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: Carvana Group, LLC
State: IL

Complaint narrative:
Carvana illegally ran my credit without my permission put a hard inquiry on my credit report on XXXX I did not sign or agree to this Hard inquiryI would like Carvana to remove this inquiry from my credit report as soon as possible and adjust my credit score accordinglyI sent a letter to Carvana on XX/XX/XXXX and I have not gotten a response.It has been over 30 days and I would like them to remove it as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRST CITIZENS BANCSHARES, INC.
State: FL

Complaint narrative:
Late fee charged for payment not late. Have tracking info. No resolve with First Citizens Bank customer service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-24 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 — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: CA

Complaint narrative:
LexisNexis is reporting an accident on my insurance report that took place in XXXX. In XXXX, I discovered this information when switching insurance companies. I was not involved in the accident. I was not in the vehicle, the vehicle was not in my name, I was not even in the city it took place in. I disputed the information, sent in the documents and received a letter from LexisNexis that it was removed. Now, 3 years later, I am looking into changing my insurance company again and this accident is showing back up on LexisNexis ' reports. This is holding my insurance premiums XXXX and puts a mark on my record for an accident that I was in no way involved in. I have been trying to get through to them for days with no success. They are reporting information that was disputed and proven to be fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Aspen Yo LLC
State: CO

Complaint narrative:
Consumer Finance Protection Bureau DEAR SIRS : XX/XX/XXXX XXXX I have been dealing with Gregory Funding since the Corona Virus Pandemic in XXXX of XXXX= There seems to be different option every time I call Gregory Funding- with Late Fee Charge and compounded interest on my residential home loan- # XXXX First Gregory Funding will not allow a REAL Forbearance to rearrange my monthly payment to the end of the Lease- responding that they are not a Federal Insurance supported Bank- Now they want o Modify my 4 % loan with a ton of paper work that they can not find on a timely manner including misplacing documents= My Question for CFBE is to see where the funds for the modification process would be coming from in the event, I get to participate with the Modification Process= The only way I know for Banks to get reduced interest rates are to turn to the Federal Markets to accomplish that = What I need is at least three months with a full forbearance of the Mortgage Payments, allowing them to be added to end of my Mortgage Term= as most bank in the USA are now doing- Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX Gregory Funding XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 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: NJ

Complaint narrative:
On XX/XX/2020, I used my Capital One credit card to purchase a trading software from a company called XXXX for {$430.00}. The software never worked! 
Capital One is responsible to help me protect my purchases when I purchase defective items as per law but they are NOT protecting my purchase at all and have left the charge on my account! I don't understand how they can do that since that is the very reason I used the card to make my purchase! I believe the law says that if you use a credit card for anything and it does not work, the customer is not at fault. 
I called Capital One but they don't care at all. 
Can someone please help me and make them follow the law? 

Thank you so much! 
XXXX XXXX XXXX ( Please see attached proofs )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Revco Management, LLC
State: AR

Complaint narrative:
CBCS KEPT CALLING MY CELL AFTER CEASE AND COMMUNICATION LETTERS AND DURING AUTOMATIC STAY XXXX  XXXX. XXXX CALL DOCUMENTED SCREENS SHOTS.THEY ALSO WERE CALLING MY HUSBAND AT ( XXXX ) XXXX 15 TIMES AFTER THE SAME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-24 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: CCS Financial Services, Inc.
State: IL

Complaint narrative:
This account is through progressive and has been paid off and verified with the company. I disputed this account for the second time to have it removed and they changed the remarks to incorrect and never removed the information. Please verify and remove. The account is old and was paid off long ago.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Protection Association, L.P.
State: AR

Complaint narrative:
COLLECTORS ROBO CALLING ME 16 TIMES AFTER CEASE COMMUNICATIONS AT AUTOMATIC STAY IN BK XXXX. I HAVE SCREEN SHOTS AND ROBO CALLING VOICE RECORDINGS ... MY WIFE AND I.

Company response to consumer: Untimely response
Consumer complaint received 2020-09-24 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have the following incorrect information on my report that I need removed. 

XXXX  - XXXX XXXX - this name does not beloing to me XXXX XXXX XXXX XXXX XXXX this address does not belong to me XXXX, GA XXXX Experian - XXXX XXXX XXXX - this name does not beloing to me XXXX XXXX XXXX - this name does not beloing to me XXXX XXXX XXXX - this name does not beloing to me XXXX XXXX XXXX XXXX - this address does not belong to me XXXX, GA XXXX XXXX XXXX XXXX XXXX - this address does not belong to me XXXX, TN XXXX XXXX  - XXXX XXXX XXXX - this name does not beloing to me XXXX XXXX XXXX - this name does not beloing to me XXXX XXXX XXXX - this name does not beloing to me XXXX XXXX XXXX XXXX - this address does not belong to me XXXX, GA XXXX Please update and delete on my Experian, XXXX, and XXXX  reports accordingly. After numerous reuqests of being ignored I demand that they be deleted immediately.

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 2020-09-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: ID

Complaint narrative:
Convergent Outsourcing is the collection agency that has reported an account on my credit reports, original account owner is XXXX. This debt has been paid and I want it removed from my reports immediately. I have tried asking them and they refuse. The account number is 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 2020-09-24 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: OH

Complaint narrative:
It's been over 60 days and no sign of investigation. I've contacted the Credit Bureaus in XXXX and no information has been given and credit report shows no sign of investigations. I have no knowledge or obligation to accounts and would like removed immediately.

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 2020-09-24 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: OH

Complaint narrative:
It's been over 60 days and no sign of investigation. I've contacted the Credit Bureaus in XXXX and no information has been given and credit report shows no sign of investigations. I have no knowledge or obligation to accounts and would like removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
On XX/XX/2020, I received a message in my email from XXXX XXXX, that Commenity Bank had closed my XXXX Visa Card. There was no prior notice. 

This card had a {$0.00} balance for almost 3 years. This was oe of my oldest acccounts, almost 7 1/2 years, and payments, when there was a blalnce, were paid on time. 

When I tried to inquire as to why the account was closed, I received a voice mail that said " if I was calling because Commenity had closed the account, there was nothing that could be done. I would have to reapply. '' Why? 

This action has lower my credit score through no fault of my own. I am consciously trying to build my credit score, and these banks in response either cut my credit limits by the amounts I pay the card down or they close out the cards. 

I feel as if this is done purposely to justify higher interest rates. 
Thank you.

Company response to consumer: Closed with explanation