vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-20 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: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I've sent dispute letters to American Express on 3 different occasions via certified mail through the United States Postal Service. All have been delivered and signed for on XX/XX/2021, XX/XX/2021 and XX/XX/2021 with receipts from the USPS certified mail. The reason is for a dispute that they are reporting inaccurate information on my Credit Reports and failing to state or mark that my dispute inquiries are being disputed on all my reports. By law, they are supposed to mark the report as being disputed and they have failed to do so with any of the certified communications that I have sent them that were signed for in the dates listed above. By not following the law and marking my report as disputed or sending verification, it needs to be removed from my Credit Reports. Thank You, I've tried to resolve this with the company and ask for validations, but they have failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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: MD

Complaint narrative:
I was incarcerated from XX/XX/XXXX to XX/XX/XXXX and during that time two fraudulent loans were opened in my name from XXXX XXXX XXXX XXXX. One account was a personal loan Acct # XXXX opened XX/XX/XXXX and the other is an auto loan acct # XXXX opened XX/XX/XXXX. I have contacted XXXX XXXX XXXX XXXX to dispute these fraudulent accounts. I have also disputed these fraudulent accounts with XXXX  Transunion, and XXXX  but have yet to receive a reason why they have not been removed from my credit file. I have also sent them a police report and identity theft affidavit. This has gone on far too long. Please help to remove these fraudulent accounts from XXXX  Transunion and 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 2021-05-20 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: MD

Complaint narrative:
I was incarcerated from XX/XX/XXXX to XX/XX/XXXX and during that time XXXX fraudulent loans were opened in my name from XXXX XXXX XXXX XXXX. XXXX account was a personal loan Acct # XXXX opened XX/XX/XXXX and the other is an auto loan acct # XXXX opened XX/XX/XXXX. I have contacted XXXX XXXX XXXX XXXX to dispute these fraudulent accounts. I have also disputed these fraudulent accounts with Equifax, XXXX and XXXX but have yet to receive a reason why they have not been removed from my credit file. I have also sent them a police report and identity theft affidavit. This has gone on far too long. Please help to remove these fraudulent accounts from Equifax, XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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 was incarcerated from XX/XX/XXXX to XX/XX/XXXX and during that time XXXX fraudulent loans were opened in my name from XXXX XXXX XXXX XXXX. XXXX account was a personal loan Acct # XXXX opened XX/XX/XXXX and the other is an auto loan acct # XXXX opened XX/XX/XXXX. I have contacted XXXX XXXX XXXX XXXX to dispute these fraudulent accounts. I have also disputed these fraudulent accounts with XXXX XXXX, and Experian but have yet to receive a reason why they have not been removed from my credit file. I have also sent them a police report and identity theft affidavit. This has gone on far too long. Please help to remove these fraudulent accounts from XXXX XXXX and Experian.

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 2021-05-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I have 2 capital one accounts reporting on my credit report. The accounts were charge offs that were paid during settlement for a lesser amount. I have since launched 3 disputes with corresponding bureaus. The 3 bureaus have reported back separate payment status for the accounts. 

Account XXXX : XXXX  shows XXXX  Current/paid, updated XX/XX/XXXX XXXX XXXX  shows XXXX  derogatory, updated XX/XX/XXXX XXXX XXXX  shows ( unknown, updated XX/XX/XXXX XXXX. 

Account XXXX : XXXX shows XXXX Current/paid, updated XX/XX/XXXX XXXX XXXX shows XXXX Derogatory, Updated XX/XX/XXXX XXXX XXXX shows ( unknown, updated XX/XX/XXXX XXXX. 

According to the previous, Capital One is reporting different status and and not providing accurate updates from each investigation, which is grounds for immediate removal. I am demanding the immediate removal of these accounts from my credit report across ALL THREE BUREUS as they violate my Fair Credit Reporting Act ( FCRA ) laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: AXOS FINANCIAL, INC.
State: MI

Complaint narrative:
AXOS Bank refuses to provide me a statement of my account and has stolen my bank account funds. I have requested to report fraudulent activity and they hung up on me. They are refusing to provide account statement. They are refusing to allow me access to my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
I have an American Express Everyday Preferred credit card that had an introductory 0 % APR on purchases and an annual fee of {$95.00}. The introductory rate expired XX/XX/XXXX. I was incorrectly charged interest during the introductory period, for the statement that closed on XX/XX/XXXX. 

I was then further charged interest in the statement that closed XX/XX/XXXX, despite paying the Adjusted Balance in full by the due date of the XX/XX/XXXX statement, that payment due date being XX/XX/XXXX. 

I opened a complaint with American Express regarding these matters and received a vague response about trailing interest. The application of trailing interest on this occasion is invalid, as I should never have been charged interest in the XX/XX/XXXX statement, because I was within the introductory rate period. Subsequently, I should not have been charged interest in the XX/XX/XXXX statement, owing to the incorrect charging of interest in the statement prior. 

American Express is inconsistently applying their procedures. For example, I have a Hilton Honors credit card account with American Express. It was subject to an introductory 0 % APR that expired XX/XX/XXXX, the same date the statement was issued. I paid the Adjusted Balance in full by the payment due date on XX/XX/XXXX, and correctly, no interest was charged on the statement that closed XX/XX/XXXX. The analogous circumstances apply in the current case with my Everyday Preferred credit card account, yet interest has been charged. 

I suspect there is a technical issue surrounding the interest treatment of the annual fee. I was also charged interest in XX/XX/XXXX when the annual fee was first charged to my Everyday Preferred account. American Express at the time, rightly acknowledged that interest should not have been charged and corrected the issue. The same should apply now, and I should be refunded interest that was charged in the XXXX and XX/XX/XXXX statements, in line with the practice in the Hilton account in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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: Capstone Credit & Collection, LLC.
State: FL

Complaint narrative:
CAPSTONE CREDIT & COLL ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FL XXXX Phone : XXXX They are reporting the incorrect account type and incorrect account status I have reached out to all 3 credit bureaus as well as the collection company and they are clearly in breach of metro 2 by reporting a collection account as an installment account when metro 2 clearly states it has to be listed as open. I also do not know if this account is reporting as opened or closed because it is inconsistent two credit bureaus say the account is closed and the other claimed it is opened. How can that be if they are coming from the same source? They have all verified this account as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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: FL

Complaint narrative:
XXXX credit card account was charged off and sold to collection agency " XXXX XXXXXXXX XXXX ''. Account was settled and paid in full. XXXX XXXXXXXX provided letter of satisfaction. My original dispute was to update the credit bureaus to update as Payment after charge off/Collection settled - less than full balance. It currently shows Charged Off As Bad Debt. I have sent the letter with my disputes but XXXX will not update. 

I am currently involved in a new mortgage loan. The score is affecting my interest rate and down payment percent.

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 2021-05-20 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: CITIBANK, N.A.
State: SC

Complaint narrative:
I have set up my Costco Citi Visa to take from a checking account, an auto payment of the minimum payment due if I have not paid the minimum payment by the due date. This agreement between Citi and I was made on XX/XX/XXXX after I had not received a bill in time to pay it without incurring late fees. 

Today, XX/XX/XXXX, I discovered that Citi is taking a " minimum payment due '' even though there is no minimum payment due. They told me it was what their system does when I have current charges on my account. In other words, they are taking a " minimum payment due '' from charges that are not yet due. They are taking my money when they have no right to it! 

On XX/XX/XXXX I made a payment of {$290.00} ( due XX/XX/XXXX ) leaving a balance of {$0.00}. On XX/XX/XXXX I charged {$79.00} ( due XX/XX/XXXX ) leaving a balance of {$79.00}. On XX/XX/XXXX Citi took a automatic " minimum payment due '' of {$35.00} when there was no minimum paymet due. There is no payment due until XX/XX/XXXX. 

I believe their taking {$35.00} on XX/XX/XXXX is illegal and most definitely not what I agreed to.

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 2021-05-20 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: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
I have received a copy of my credit report and it shows company LVNV FUNDING ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$420.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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: NC

Complaint narrative:
I have received a copy of my credit report and it shows company ( Original Creditor : XXXX ) account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$130.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
In XXXX of 2020, we attempeted to get fiber optic telecomm installed by XXXX XXXX XXXX in our house, the back house of our aunt and uncle who already had fiber from XXXX XXXX XXXX. After an in home visit we were told by XXXX XXXX XXXX that they could not " find '' our property on the map and would get back to us. They left a router for us to set up in the meantime. We never set up service. After unsuccessfully trying to get in contact with the individual who was working on our case from the beginning, when they finally replied, it was with short answers that gave no insight into any work put forth. In XXXX, we tried to get in contact with XXXX XXXX XXXX about the issue and they assured us our XXXX XXXX XXXX XXXX house must have been in a new subdivision and that was why they havent been able to help us. On top of that, we never recieved any word of a debt from XXXX XXXX XXXX until a debt collection agency called my father this week.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-20 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: GA

Complaint narrative:
Dear Sir/Madam : I am a victim of Identity Theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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: PA

Complaint narrative:
TransUnion is reporting a Bankruptcy on my account that they claim they validated through the courts. They have falsely verified this debt and completely unlawfully sent documents stating they investigated it. This is FALSE because I myself contacted the courts and they provided me with proof that they DO NOT SEND THEM ANY VALIDATION so why is TRANSUNION STILL REPORTING THIS *FIND ATTACHED*? 

Under the Fair Credit Reporting Act, this item may not appear on my credit report if it can not be supported by any documents or evidence. This account is inaccurate and in violation of Congress law according to US Code 15 Section 1692g. I do not validate this debt as the original creditor. Please remove immediately. Attached please find ALL my identifications and remove it.

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 2021-05-20 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: BBVA FINANCIAL CORPORATION
State: FL

Complaint narrative:
BBVA credit card account was charged off and sold to collection agency " XXXX  XXXX XXXX ''. Account was settled and paid in full. XXXX XXXX provided letter of satisfaction. My original dispute was to update the credit bureaus to update as Payment after charge off/Collection settled - less than full balance. It currently shows Charged Off As Bad Debt. I have sent the letter with my disputes but BBVA will not update. 

I am currently involved in a new mortgage loan. The score is affecting my interest rate and down payment percent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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: R & B Corporation of Virginia
State: VA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
In XXXX I attempted to create my online MyEquifax account to monitor my credit information. I have been unable to gain access to my account ever since, instead receiving a screen with the text " Please give us a call. We can't complete your request at this time. Please call the Customer Care team XXXX '' on it when I attempt to log in. I have tried calling this number multiple times throughout the past years to get this resolved : the first time in XXXX I was passed around to various departments who claimed that their department didn't handle this issue until I eventually hung up after around 2 hours of being transferred repeatedly. The second time in XXXX I was told that I needed to contact Equifax support via their email service, which I did and was promptly told that they couldn't do anything for me and that I needed to call the same Equifax support number again ( XXXX ). The third time I called in XXXX, I was sent a password reset link via my email address, which I reset my password with and still encountered the same screen as before when trying to log in with my new credentials ( " Please give us a call. We can't complete your request at this time. Please call the Customer Care team XXXX '' ). As such, I am unable to access my Equifax account and credit information and Equifax has been unable to resolve this issue for 3 years now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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: OneMain Finance Corporation
State: NC

Complaint narrative:
I have reviewed a copy of my credit report and I show company SPRINGLF FIN account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Applied for an apartment for which I was denied based on a credit reporting item on my credit profile. In reaching out to the rental source that obtained the information, it referred me to reach out to Experian. In reaching out to Experian experienced very rude representatives as well as the the information regarding the XXXX XXXX XXXX via the phone call to Experian was never addressed, nor was any information verified regarding the collections company or source for the item listed on my credit file for XXXX XXXX XXXX. In following up with the Consumer and initiating a complaint onXX/XX/XXXX it was responped back to CFPB that the collections item had been confirmed and verified and a letter had been sent to me regarding this. To date no letter has been sent to me to confirm the XXXX XXXX XXXX debt, nor has any collection service verified or sent any type of correspondence confirming the source of this debt. This is the second attempt to address this concern and to get it removed from my credit file, since no correspondence has been provided to me to confirm this debt as was advised to CFPB that this step was taken.

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 2021-05-20 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: TX

Complaint narrative:
I recently received my credit report and found an account from XXXX XXXX that is not mine. I do not use XXXX for any service and I never have. This account is fraudulent.

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