vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
To whom it may concern I noticed there are late payments and a past due balance listed under the collection account XXXX XXXX XXXX. From my understanding collection accounts are not supposed to include a payment history of late payments as I do not have any payment agreements currently set in place with this agency. This collection claiming a history of late payments is a false representation to my relationship with them. A collection is by default derogatory, this goes without say. Please delete this from my report immediately Thank You,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I paid my balance and accidentally over paid by XXXX. This meant I had a negative balance on the following bill. When I received the bill for the next month, it showed my starting balance as XXXX, but also said I had {$5.00} past due and I have received multiple harassing emails attempting to collect a balance that isnt owed. I notified the card issuer, but because their reps dont understand how their mistake happened, they dont understand what to do with it. Attached is the bill that shows their error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-22 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: EQUIFAX, INC.
State: SC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I made a {$300.00} payment to Capital One for my credit card on XX/XX/2021. Capital One took the money from my bank account but didnt apply it to my card. I called and asked what was going on and they said there is a 26 day hold on the payment. I asked why and they said they didnt know. They said that holds like this usually occur when a there has been a late payment, a returned payment or if the funds were paid using a new checking account. None of these apply to my case. Ive been a Capital One customer for 13 years and have never been late, nor have I ever had a returned payment. I pay my card off every month and have been using the same checking account for years. They could not provide a reason for the hold and I can not use my card now. They took my money and didnt provide a service I paid for. How is this even legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
When I had a problem with my employer and the all was deposited in Regions Bank. My last Social Security check was direct deposited in XXXX of 2020 and they closed the bank account without refunding the amount of {$2300.00}. I will be homeless in 7 days unless I can get my money. 
Thank you for your help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
To whom it may concern I noticed there are late payments and a past due balance listed under the collection account XXXX XXXX XXXX. From my understanding collection accounts are not supposed to include a payment history of late payments as I do not have any payment agreements currently set in place with this agency. This collection claiming a history of late payments is a false representation to my relationship with them. A collection is by default derogatory, this goes without say. Please delete this from my report immediately Thank You,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 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: PA

Complaint narrative:
To whom it may concern I noticed there are late payments and a past due balance listed under the collection account XXXX XXXX XXXX. From my understanding collection accounts are not supposed to include a payment history of late payments as I do not have any payment agreements currently set in place with this agency. This collection claiming a history of late payments is a false representation to my relationship with them. A collection is by default derogatory, this goes without say. Please delete this from my report immediately Thank You,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 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: CA

Complaint narrative:
I was a victim of Identity theft. I filed a police report, it was approved, I've sent to all three bureaus as well as creditors/collectors multiple times and nothing has been done.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 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:
I was a victim of Identity theft. I filed a police report, it was approved, I've sent to all three bureaus as well as creditors/collectors multiple times and nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
this is the third time NCA has received a debt I no longer owe to collect. this is ridiculous, and has to stop. they are referencing NCA account # XXXX I have called them and they hung up on me.The debt was included in my discharged bankruptcy

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
XX/XX/XXXX : I signed up for English classes for my son and made monthly payments of {$50.00}. 

I attended online XXXX XXXX. There were issues were connecting to the system and getting help. I called and emailed tech support with no response. 

XX/XX/XXXX : I attended orientation day online. There were issues connecting to the system. The teacher tried to help me, but she was unsuccessful. I contacted support, and I was on hold for an hour. I emailed tech support, no response. 

XX/XX/XXXX : I canceled the class before it began via email. I could see this was not going to be a good fit. The company didn't offer help in accessing the course. 

XX/XX/XXXX : The company wasn't responsive, so I called Suntrust to file a dispute and stop payment on my account for XXXX and the amount they are debiting. 

XX/XX/XXXX : XXXX debited my account again, even though I dropped the class and SunTrust stopped paying my Acct. 

XX/XX/XXXX : I filed a complaint with the CFPB XX/XX/XXXX : Sent letter acknowledging the dispute asking for more information. 

XX/XX/XXXX : Faxed more information to Suntrust. 

XXXX : I called SunTrust for an update. The Representative said they closed the case because they didn't receive the information. 

XX/XX/XXXX : I step into a branch and fax the information. I received a transmission log as a receipt showing I sent the documents. 

XX/XX/XXXX : Suntrust sends a letter saying they didn't receive the information. 

XX/XX/XXXX : Stepping into a Branch to send documents again because XXXX XXXX sent a letter saying she didnt receive the documents. Again

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Phillips & Cohen Associates, Ltd.
State: PA

Complaint narrative:
The collecting party is NOT THE ORIGINAL CREDITOR. I was never informed from either party of their being a debt that exist, let alone to be bought than sold to a third party, without any concern of keeping me informed. I never received any Debt Disclosure documentation requested XXXX.Please provide the consumer contract bearing my wet signature validating the debt claimed or quit claim language and remove the negative information from my credit report for i only will only deal with the original account creditor. Please provide gps location data at time of the purchased debt, Copies of Payoff Disclosure letter, Balance history, Credit Insurance Documents, If documentation can not be produced than remove the negative rating on my redit report or i will pursue litigation, informing CFPB.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Someone messaged my sister in law to buy my computer. Eventually they began to email and text me and the emails provided included XXXX and XXXX  XXXX XXXX images and an initial email that looked legitimate. I have never used XXXX on such a level and so the scammer had stated about a business account versus personal and it needing to be upgraded. They have assured me that would send additional money to cover my loss and so I sent money to them as a refund but never received the initial credit. I received another email stating to do the same but double the amount and from there knew something was wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I've had a Walmart account since XX/XX/XXXX prior to them selling to Capital One. I always paid them on time. I never had any issues. From one day to the next I noticed that they marked me 30 days late on my account. They changed their payment address and didn't notify me. I had no way of knowing about the change or where to send my payments. 

I called and disputed the late and they said they would look into it but nothing has been done. It doesn't seem fair to punish me as a consumer for making my payments as I always did. If they had notified me of the change I would have not had any issues making this payment. Now, because of their negligence, I have a 30 day late on my credit which dropped my fico score immensely and I may possibly lose my home if I do not get this corrected for my loan. 

Please help me get this resolved as soon as possible. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 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: MA

Complaint narrative:
these are Unauthorized Inquiry on my credit report from these lenders which I have no idea or memory of engaging and benefiting from their services! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
these are Unauthorized Inquiry on my credit report from these lenders which I have no idea or memory of engaging and benefiting from their services! 

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 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: EQUIFAX, INC.
State: MA

Complaint narrative:
these are Unauthorized Inquiry on my credit report from these lenders which I have no idea or memory of engaging and benefiting from their services! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: AAA Auto Title Loans, LLC
State: AZ

Complaint narrative:
Company is violating my rights under FDCPA by leaving account specific information on a cell phone voicemail that does not clearly info date who it belongs too or without making direct consumer contact. Threatening to transfer account to legal department via voicemail to coerce payment. Advising I have 5 days to submit a payment or my account will be transferred to legal department via voicemail. Not honoring multiple requests to call within preferred call window as I am employed and can not answer the phone during work hours. Violations of both FDCPA and UDAAP violations.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Upon checking my credit report I discovered Transworld Systems had placed a collection account on my file. I submitted a validation request letter XX/XX/XXXX requesting my signature on any document agreeing to do business with this company and requesting any documents showing my signature to do business with Transworld Systems. I received a letter stating that they would contact the original creditor and that they had followed and complied with federal law. All validation should be done BEFORE derogatory information is placed on any ones credit file. This is NOT MY account and I am requesting that it be deleted immediately as it is damaging to my credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
NCB MANAGEMENT SERVICES stated that I obtained a loan from XXXX XXXX XXXX XXXX on XXXX XXXX in the amount of {$1800.00}. I have never received said such loan. I was a victim of fraud and have tried to explain that to the collection company, I have asked them to validate the debt, and they have never provided me validation. NCB MANAGEMENT SERVICES only wanted me to send them a copy of my drivers licensee. I'm not understanding the law. How can people just get my information open up accounts and I have pay for this. I need to have this addressed. I continue to dispute the account and they say it's my account. they have called an harass me about the account and would never provide me a contract of the debt..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CO

Complaint narrative:
I am filing this complaint about a company that I have never heard of that is filing entries on 3 of my 3 credit reports. XXXX, XXXX and XXXX. Company Name and Address : CACH , LLC XXXX XXXX XXXX XXXX, SC XXXX XXXXThey came out of no where and said I owed them $ XXXX. I have never heard of this company and notified this company by mail and phone that they need to remove this fraudulent entry off my credit report. When I spoke with this company and XXXX sounding person answered the phone and was really rude. I asked them why they put this negative collection/account on my credit report and they hung up on me. I have filed complaints and disputes with all 3 credit bureaus and only XXXX was able to prove it as fraud and removed it from my report. I called the company again and another XXXX sounding person answered the phone. I asked him to send me information showing that I owe Cach LLC or for information showing that I signed something saying that I owed them money for something. They again hung up the phone on me. They report themselves as an account of debt half the time that I made payments on supposedly. You will see in my additional documents that they list me 120 days late multiple times. I dont know how that would even be possible since I have never sent them money for anything nor have I ever made any agreement with this company for anything! Then they list my account as a collection other times. I know this is a scam and need to file with whomever I need to hold this company accountable for fraud, and fraudulent filings on my credit report. They claimed I made 2 payments to them and then hung up the phone on me on my 3rd call to them. Please investigate this company. I have done research online and found that I am not the only one being frauded by this company called Cach LLC. I am attaching both credit bureau entries that still remain on my credit report. You will see they claim me as 120 late multiple times and then they list me as a collect as well. I called a 4th time and asked for documentation showing that I signed for anything in order to owe them money. The rep talked over me and then yelled at me and then hung up the phone. You will see in you investigation that I never asked these people for money, sent them money, nor did I sign to agree to send them money. Please help. This is hurting my credit and Im scared they will go further to hurt me. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CO XXXX Phone : XXXXEmail : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: E MORTGAGE MANAGEMENT, LLC
State: SC

Complaint narrative:
My mortgage is relatively new having been issued by XXXX XXXX XXXX  and transferred servicing to EMM Loans, XXXX XXXX That location did not timely process payments and I do not know the interest wrongfully charged. Now last month the loan was transferred to EMM Loans LLC in Texas and it is a disaster. A payment was made XX/XX/XXXX via my bank online payment system. On XX/XX/2021, the payment was returned to my bank saying the loan could not be identified!. On XX/XX/2021, my back redid the loan payment and the second payment while finally acknowledged by EMM Loans has a receipt date of XX/XX/2021, and after a call to EMM Loans and a very lengthy weight I was told on XX/XX/2021, the loan would be credited the next day XX/XX/2021. That did not occur and now, I have received the attached statement dated XX/XX/2021 demanding double the mortgage payment. Please note EMM actually received payment on XX/XX/2021 and returned it! Now, who knows what is going on with the second payment EMM has and has not returned. This is beyond bad servicing it is illegal and after months of sheer XXXX with EMM and countless hours spent trying to get EMM to get its act together with my mortgage, I am having no success and EMM is getting worse. What damage will EMM do my credit?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Experian is not reporting three successfully paid loans on my credit bureau history. I called Experian XX/XX/XXXX and informed them of my address and name change, they confirmed they could see the loans and informed me to check with the lender to ensure they were being reported and that they would add them to my credit report. I signed up for the paid service to check my report more than monthly in order to ensure the loans had been added to my report. I've been checking my report weekly and the loans have not been added. I called XX/XX/XXXX to discuss the issue with Experian, I could not get through the IVR, only options were order a report and report fraud. I went online to file a dispute and their website is not working. In the meantime, I've called my institution and they have confirmed they are reporting my data to all three bureau 's. This is directly impacting my ability to get an apartment, I was declined due to lack of credit history. My score is high enough to be approved, and if these loans were being reported accurately, I may have been approved for the apartment.

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