vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-26 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: World Omni Financial Corp.
State: GA

Complaint narrative:
To Whom It : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize :

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: QuickClick Loans of Illinois, LLC
State: CA

Complaint narrative:
I was offered a settlement among via a mailed letter from Brookwood Loans. The settlement offer was for {$250.00} and had NO expiration date on the letter. When I called to make the {$250.00} payment, I was told that the offer had expired and that the new offer was double, {$500.00}. They refused to take my payment of {$250.00} and have not sent me any type of mail since but continue to report me as grossly delinquent to the credit bureaus. I want this resolved and removed from my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-26 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am having a problem with Equifax supplying and releasing a credit report with someone pretending to be me. It's been a year since I first wrote Equifax the first of the letters demanding they remove the names on my report that are not my names. 
Three months ago I attempted online to receive my credit report via the internet and I was denied. I was told I can not have access to my credit report online and I could only receive it by mail after I mail in several items such as a current utility bill, copy of my driver 's license, and my social security number. 
I have not done this yet because I do not feel comfortable with supplying all the information that is asked for. On XX/XX/2020 I received a mail from XXXX. XXXX   XXXX XXXX, GA XXXX the postage is paid by XXXX XXXX XXXX. It is addressed to a variation of the spelling of my name ending in a Y. I have never used this incorrrect spelling for my name because it is not my name. 
This tells me there is a person ( s ) Equifax is aiding in identity theft.My information is being used for credit and or transactions I have not sought. my information is being used by someone pretending to be me to have this fraudulent credit report mailed to my home as if I had done it. This is also mail fraud and I believe it is my best interest at the very least for Equifax to furnish me with complete disclosure, details of the reasons my credit reports were requested and given and the vender 's information who supplied the false names and addresses on my credit reports and their documented proof given to Equifax to justify the information being placed on my credit reports. There are social security numbers that are not mine and that I have never used on the Equifax Credit Report which I want to be removed and complete disclosure on the suppliers ; venders, and proof of the misinformation given to Equifax to justify them placing the information in my credit reports. I also want an explanation for why I have not been allowed to access my credit report online.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I have tried on several occasions to get this company to validate this debt meaning get copies of the entire account including payments so I can determine what was actually mine and what was fraudulent because my accounts were compromised. Resurgent Capital Services is working on the behalf of LVNV Funding LLC which purchased the debt from XXXX XXXX/XXXX Account. The only item I received was a closeout statement from XXXX with no detail attached. Please see the attachment. 

LVNV is also using deceptive practices in an attempt to cause additional harm to my FICO or XXXX score by listing itself as a Retail Company instead of a collections company. It has listed this loan type as a factory company. Additionally, it is stating my first delinquency was XX/XX/2019 to impact my score even further to trick the scoring system into believing that this is a recent late payment. Please see the document that Resurgent provided stating the charge-off date of XX/XX/2019. Even if this company purchased the debt on XX/XX/2019 legally they must report the actual charge off date. Lastly, if the charge off date was XX/XX/2019 how could LVNV report as the " Date Major Deliquencey First Reported '' of XX/XX/2019? 

In a further effort to drive my score down this company is listing a past due balance when, in fact, they are a collection agency and if the company, i.e. XXXX XXXX has already written this off on its profit and loss. I understand that a collection agency can report an outstanding balance but not list it as a past due balance. 

I believe this company has engaged in deceptive practices to harass me into paying a debt that they have been unwilling to validate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
on XX/XX/XXXX i received an offer from XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. for application to XXXX Credit card, the terms were made over the phone, i just received an email from them where i have to signed. they never disclose all the details about the card, they just told me that i have 2 years without interest. the credit card was in the amount of {$6000.00}, and i only used {$4000.00} ( and never was used ) At the end i never used the money, we got an agreement to get the XXXX, but it was never done from my health condition, so we postpone the date, in the meaning time i was paying every month my credit card, until XX/XX/XXXX, (  when i only owed them {$2000.00} ) where XXXX send me an increase bill on the rates, and all the interest without let me know ( for 2 years, including all the money all ready paid, so my new bill come up {$3700.00} on XX/XX/XXXX ), something that not one explain me when i signed, and XXXX never send me a contract, i just got communication with XXXX XXXX. the only paper i received were the part to signed, no a contract. XXXX never send me a contract and never told me my interest rate. i got in contact with XXXX credit card customer service to resolve the issue, i was trying to pay then the full amount owed by me {$2000.00}, so i explained them that i never got a contract with them and i never received the right information, because it was done through XXXX XXXX XXXX without any contract, only information got from them was 2 years without interest. but it never said that i will have to paid all the interest all ready paid. they dont want to get a resolution for this, and they are trying to force me to pay the full amount until XX/XX/XXXX was {$4100.00} twice that was all ready paid. and more than XXXX XXXX took. they continue harassing me and bothering me telling me that they will send me to collection, and few time i called them to resolve this nightmare and pay them the amount i owed them {$2000.00}, but they wont accept it. and they dont stop calling. 
their paper bill size is 6.5x11 and the letters are really smaller that regular paper.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-26 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have contacted American Express on four occasions during a period of three days demanding they close my corporate Gold Account ending in # XXXX and the account still remains open.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-26 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: PA

Complaint narrative:
his letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

I demand that the following account be verified or 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 2020-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
his letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

I demand that the following account be verified or removed immediately :

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I have a credit card with Barclays US. I had a purchase of XXXX on XX/XX/XXXX. It had a 0 % interest if paid in full by 18 months and expiration date was XX/XX/XXXX. As of the statement dated XX/XX/XXXX, the remaining balance was XXXX on the original purchase of XXXX. The total remaining balance, the deferred interest charges this period and deferred total interest were all mentioned in the XXXX statement. 

In order to avoid paying interest, I made a payment of XXXX on XX/XX/XXXX, but still the bank charged me an interest of XXXX dollars on XX/XX/XXXX XXXX statement. When I tried contacting them, they said I had other purchases and the usual blah blah blah. Finally I was able to convince them that I had paid the remaining balance subject to deferred interest. In the next statement they had credited the interest back, but gave no explanation as to why they charged me. I was able to resolve the issue, but I still want to pursue this complaint.

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 2020-01-26 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:
Disputed Item with Equifax/XXXX XX/XX/XXXX & XX/XX/XXXX ( via mail and online ) Equifax/XXXX verified as accurate XX/XX/XXXX & XX/XX/XXXX ( via mail and online ) Request Equifax/XXXX FCRA 611 letter XX/XX/XXXX & XX/XX/XXXX ( no response ) Sent reported creditor a Dispute letter requesting adherence to applicable laws adherence and validation of debt. XX/XX/XXXX ( no response ) Sent Second Letter reported creditor a Dispute letter requesting adherence to applicable laws adherence and validation of debt XX/XX/XXXX ( no response ) Sent Equifax/XXXX  Final letter before submitting Complaint ( s ) XX/XX/XXXX ( no response )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Disputed Item with XXXX/Experian XX/XX/XXXX & XX/XX/XXXX ( via mail and online ) XXXX/Experian verified as accurate XX/XX/XXXX & XX/XX/XXXX ( via mail and online ) Request XXXX/Experian FCRA 611 letter XX/XX/XXXX & XX/XX/XXXX ( no response ) Sent reported creditor a Dispute letter requesting adherence to applicable laws adherence and validation of debt. XX/XX/XXXX ( no response ) Sent Second Letter reported creditor a Dispute letter requesting adherence to applicable laws adherence and validation of debt XX/XX/XXXX ( no response ) Sent XXXX/Experian Final letter before submitting Complaint ( s ) XX/XX/XXXX ( 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 2020-01-26 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I believe my credit profile may have been merge with other family members with similar name .... we all have live at same address in XXXX, md

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 2020-01-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
Reported lost card XX/XX/XXXX Called XX/XX/XXXX, again XX/XX/XXXX to report new card Not recieved. Must be lost in mail I was required to say my previous lost card information or tell my new card information that had Not arrived yet When I could not I WAS UNABLE TO VERIFY MYSELF TO USAA so I could not get replacement card On XX/XX/XXXX I was well enough to try again ( XXXX and No Access to banking with USAA ) Auto service asked Lost Card I responded LOST CARD Prompt said a 25 min wait I waited my call was never answered I called back 2 hours later explained LOST CARD and was told a 25 min wait. And again No one Answered after 1 hour wait USAA DOES NOT RESPOND TO PROTECT AGAINST FRAUD Please cancel card I did not get I do not know the number to tell you cause I did not get the card yet Stop telling me to discuss my account I must recited the new card info. Or Old card info I do NOT HAVE EITHER TO BE VERIFIED It is bad enough this on line banking only company GIVES NO ACCESS ON LINE ( due to XXXX ) NOT ADA ACCESSIBLE AND GIVES NO ACCESS BY PHONE AS WELL. I had fraud XXXX unresolved and fraud XXXX unresolved And Can Not report a lost card? USAA IS NOT AVAILABLE TO CONSUMERS HAS NO FRAUD PROTECTION

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-26 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: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

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 2020-01-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I made a payment of XXXX dollars to my Target credit card on XX/XX/2020. I checked my account on XX/XX/2020 and my credit limit is XXXX dollars instead of XXXX dollars. The funds were withdrawn from my bank account as a payment to Target. I called Target CS and they told me that even though I made a payment of XXXX dollars they are holding a credit of XXXX from my credit balance. They are refusing to tell me why. I have never had this happen before.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-26 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
XX/XX/19 Letter from USAA STATES Verify USAA Credit Card Fraud Charges If you still believe these charges to be fradulent, no further action is needed, and we will continue to pursue this claim as fraud on your behalf. USAA reps DO NOT REPORT FRAUD WHEN I CALL They say a duspute not fraud USAA REFUSES TO SUBMIT FRAUD WHEN I NOTIFY THEM. ( * They CHANGE WHAT I REPORT ) Are they supposed to change what I report? I WAS SENT A NEW CARD BUT NOT PAID FOR THE FRAUD It has been over a year that I have been held liable for the amounts on this letter {$10.00}, XXXX, XXXX, XXXX, XXXX Were fraud investigations ever done? If so when was temporary credit given What results of investigation?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
I had a account with jp chase Morgan bank a vehicle loan. I had to volunteer repo on the vehicle bcuz I couldn't pay for the vehicle anymore. I lost my job. The vehicle was in perfect condition when I returned it. This is tarnishing my credit report by saying I owe XXXX XXXX more dollars on the car I turned in. Please help bring this charge off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-26 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
on XX/XX/XXXX, I checked my credit report and there was a message on the credit report that said : settlement agreement for less than amount owed. 
I never spoke to GM Financial about a settlement yet they are reporting a settlement on my credit report. This is a debt that has reached its statue of limitations on collection of this debt and has been written of as bad debt and charged off. This has brought my credit score down significantly. The amount of this debt is XXXX. The account was reported on XX/XX/XXXX

Company response to consumer: Closed with explanation