vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-20 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC
State: GA

Complaint narrative:
XXXX direct marketing is a very old debt that keeps selling my information to collection agencies. This debt is so old that I honestly dont recall the date of inception. It is negatively affecting my credit. The collection agency is showing a date of 2016 which is definitely incorrect. The debt is for {$490.00} and that is also incorrect. No product XXXX sells costs that much. Due to this collection on my credit report, my score is severely affected. I have made attempts to get this removed by phone but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint narrative:
THE AMOUNT IS XXXX DATE SEND : SENDER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX SENDER BANK : XXXX XXXX   XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX  XXXX. 
XXXX XXXX, XXXX RECEIVER BANK XXXX XXXX XXXX  XXXX. 
HEAD QUARTER, U.S.A OUR COMPANY, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AS BORROWER. ENTERED A LOAN AGREEMENT WITH XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX AS LENDER FOR A CABLE PROJECT IN XXXX XXXX. 

IN ORDER TO PROCESS OUR LOAN, XXXX ISSUED AN INVOICE TO XXXX FOR THE AMOUNT OF XXXX. 

XXXX SENT THE MONEY XXXX FROM XXXX  XXXX  TO CAPITAL ONE BANK AND CONFIRMED RECEIVED THE AMOUNT. 

THE CASH WAS NOT CREDITED TO THE ACCOUNT OF XXXX XXXX   XXXX AND WE DEMAND FOR THE RETURN THE MONEY. 

OUR BANK SEND TWO ( 2 ) XXXX XXXX XXXX HOLD HARMLESS LETTER FOR THE REFUND OF THE MONEY BUT WE DID RECEIVE ANY RESPONSE FROM CAPITAL ONE BANK. WE SEND COURIER PARCEL WITH CERTIFIED COPIES OF XXXX XXXX  XXXX & OTHER RECEIPTS BUT STILL WE DID NOT RECEIVE ANY RESPONSE TO CAPITAL ONE BANK. WE SEND AGAIN XXXX  COPY FOR THE RETURN OF THE MONEY AGAIN WE DID NOT RECEIVE ANY RESPONSE TO CAPITAL ONE BANK.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 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: FL

Complaint narrative:
THE ACCOUNTS LISTED ARE FRAUDULENT THEY DO NOT BELONG TO ME SOMEONE USE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ).

They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-10-20 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: I.C. System, Inc.
State: AR

Complaint narrative:
I've recently been in contact with the credit bureaus over the past couple of months due to accounts appearing on my credit report that I never opened or received any goods or services on behalf of. Even though this has been a ongoing dispute I've noticed yet another clear violation of the Fair Debt Collection Practice Act being permitted by I C System whom has violated section 1692e 8 ( Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed ) I C Systems has failed to mark this debt or account has disputed which is automatic grounds for removal of this account from credit report. I will included supporting documentation along with this claim.

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 2020-10-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: BBVA FINANCIAL CORPORATION
State: FL

Complaint narrative:
Ive been unemployed since covid 19 started without stimulus check, the bank gave me a three month break. After that i was still without a job and sent me to collection. Im calling now to start making payments on the vehicle and get back in track the say they took me out of the loan and I cant make payment. My options are payoff the car completely or surrender the car i think this is so unfair if someone can help me fix this  with BVBA COMPASS i would appreciate it. Thank u, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 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:
Reporting information incorrect

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 2020-10-20 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:
Reporting information incorrect

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 2020-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP
State: WI

Complaint narrative:
The usbank.com website login button does not let me log in to access my accounts. When I browse using XXXX XXXX XXXX on a XXXX, if I click the " login '' button nothing happens.

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 2020-10-20 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: CT

Complaint narrative:
On XX/XX/2020 started a dispute regarding to incorrect information been report on my credit report with follow up letters none of my letters is been answer, no investigation have been made, these company totally ignore my request. i have submitted proof of my address and photo Id attached to my letters. please help me to resolve this matter as is really affecting my reputation and i cant buy or apply for a house.

please see attached all the letters i sent to this company Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
There is a fraud alert on my credit report and I have called and sent a letter to have it removed but I have not been able to have it removed.

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 2020-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
requested all three credit bureau remove bankruptcy from my public record they claime it was verified buy the bankruptcy court i contacted the bankruptcy court and requested documentation i recieved a letter showing they dont have case number n my name and that they dont deal with credit buearus all three buearus are showing they got this inaccurate information from the bankruptcy court which is miss leading information on my report if not removed will b taking leagal action

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 2020-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
requested all three credit bureau remove bankruptcy from my public record they claime it was verified buy the bankruptcy court i contacted the bankruptcy court and requested documentation i recieved a letter showing they dont have case number n my name and that they dont deal with credit buearus all three buearus are showing they got this inaccurate information from the bankruptcy court which is miss leading information on my report if not removed will b taking leagal action

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 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: TX

Complaint narrative:
I have a fraudulent charge on my Chase Visa card. I have requested contact information for the merchant so I can speak to them directly. Chase has been unable or unwilling to give me this information. I did not receive the product the company claims they mailed to me nor any of the products listed on the website. I received a strange package from XXXX via USPS in XXXX that was thrown away. ( at that time, there were reports of US citizens receiving strange packages from XXXX, many with unmarked seeds. We were encourage to be careful of these ) My package contained junk childrens spoon and fork. I believe this package was used to show delivery so that XX/XX/XXXXcould legitimize the credit card charge. 
I believe this is an international fraud problem and that I have been a victim.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: AMERIS BANCORP
State: GA

Complaint narrative:
My account has been charged fees out of retaliation for my complaints with the consumer Federal protection bureau. I was told by XXXX XXXX XXXX vice president branch manager and XXXX number XXXX that if I make any other complaints about fees all of my accounts will be closed. Today I realized there was additional fees taking out of my account that I was not entitled to pay. I went in the branch asking to go over the fees one by one. The branch refused instead referred me to speak to XXXX XXXX district manager over the XXXX branch location that I visited. And which she was rude to me as always and advised me that my account all three of them will be closed at the bank 's discretion. And that they would not go over any fees with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
Paypal Seller : XXXX XXXX XXXX Transaction # XXXX {$100.00} # XXXX {$100.00} Seller info : email and Cellphone # XXXX XXXX I contacted the seller and paypal and i open a case but paypal didnt approved my issue saying it wasnt an authorized deal or transaction. Seller promise me to send right away the item but never do it and never replied anymore. I just dont want this seller making scam or fraud to any fellow Americans Citizen just trying to purchased good from a scam seller. Hoping your good company will look into this even if its not a big thing deal issue. Thank you and XXXXbless you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
About XXXX years ago I enrolled several credit cards with dept totalling about $ XXXX with a debt relief agency. The debt has been resolved on all but one card. This enrollment reduced my credit score to XXXX from the mid XXXX. I have faithfully been paying {$1400.00} each month since then. 

I have three CHASE cards, two of which I always pay the balance each month ; one is a Amazon card. One card has half a dozen chargses that are automaticaly applied each month. The third card has a balance of about {$1800.00} that I am paying off slowly. Never a missed payment on these cards! 

CHASE decided to close each card account based on : ( 1 ) balance owed on revolving accounts too high ( 2 ) credit report shows judgement, tax lien, public record, or collection of accounts currently in use. 

I am slowly paying off my debt, yet during the covid crisis, CHASE decides to take such a drastic step, which is a major inconvenience. I have a XXXX Bank, two XXXX cards and a XXXX XXXX card, all responsible managed. Whats to stop these banks from closing my accounts? These banks should not be imposing such additional burden on those of us in the bottom 90 %, especially during this economic crisis. 

Please do what you can to help those of us in a similar situation to remain afloat during this difficult time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: MORGAN STANLEY & CO. LLC
State: WA

Complaint narrative:
My credit rating for all three companies continuously shows delinquent charges even when Morgan Stanley & their Mortgage company XXXX XXXX has formally submitted a mortgage condemnation 1099 to the IRS. All three credit reporting companies have not updated my credit rating since XX/XX/2020 even after being shown proof that the claims are fraudulent claims by Morgan Stanley & their Mortgage company XXXX XXXX. They have repeatedly denied any wrong doing and tell me how to repair my credit rating which I have tried but produce no results. The mortgage in question was an illegal mortgage to begin with and the house needs to be condemned because it is not built to national or local building codes. Because of the incorrect reporting they are slandering my reputation, my creditability and my credit rating on a daily basis. Here is a link to all the evidence. https : XXXX! XXXXXXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
My credit rating for all three companies continuously shows delinquent charges even when XXXX XXXX XXXX their Mortgage company XXXX XX/XX/XXXXhas formally submitted a mortgage condemnation 1099 to the IRS. All three credit reporting companies have not updated my credit rating since XX/XX/2020 even after being shown proof that the claims are fraudulent claims by XXXX XXXX XXXX their Mortgage company XXXX XX/XX/XXXX They have repeatedly denied any wrong doing and tell me how to repair my credit rating which I have tried but produce no results. The mortgage in question was an illegal mortgage to begin with and the house needs to be condemned because it is not built to national or local building codes. Because of the incorrect reporting they are slandering my reputation, my creditability and my credit rating on a daily basis. Here is a link to all the evidence. XX/XX/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 2020-10-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: MI

Complaint narrative:
The company XX/XX/XXXX had received a payment from me and they told me that year that it was sent to collection by mistake and they put me on hold and try to contact them and Helvey & Associates told me as well that the account will be deleted but they left it still when I was not notified that they did not delete it. I have been disputing this since I first saw it on my credit report. So I was going back in forth with the collection agency telling me it was deleted and paid off through XX/XX/XXXX that year and they told me that we fix it from here but we need to call XX/XX/XXXX that its paid in full but it was still showing that it was a debt collection and it showing negative on my report. I was told of this year by some rude representative that it was bought by them and it will stay there because I didn't pay them. I told that representative that why would I pay double on an account that is paid in full because I had the same utility service all year long. It was an error by XX/XX/XXXX and they told them to remove it that year and it was not removed. The collections agency lied to me for many years that it was deleted from my file and now to this day it's showing up as a negative account like its never been paid all so many months and when I called them and asked them why is it showing up as a negative account they told me that they didn't know my account was paid in full and I asked them how can they report some inaccurate information because it was a mistake sending it there and they told me that it was bought from them and the payment should go to them. I told them my service was still on and why was it sent to a collection agency in the first place. On their reviews, I have seen stories like mines. I have also reported it to the XXXX XXXX XXXX but no response to them as a business. I also have reported to the FTC, Attorney general office, and the CFRA

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 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: WA

Complaint narrative:
My credit rating for all three companies continuously shows delinquent charges even when XXXX XXXX & their  Mortgage company XXXX XXXX has formally submitted a mortgage condemnation 1099 to the IRS. All three credit reporting companies have not updated my credit rating since XX/XX/2020 even after being shown proof that the claims are fraudulent claims by XXXX XXXX & their Mortgage company XXXX XXXX. They have repeatedly denied any wrong doing and tell me how to repair my credit rating which I have tried but produce no results. The mortgage in question was an illegal mortgage to begin with and the house needs to be condemned because it is not built to national or local building codes. Because of the incorrect reporting they are slandering my reputation, my creditability and my credit rating on a daily basis. Here is a link to all the evidence. https : 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 2020-10-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
hi, I sent out a dispute about incorrect personal info on XX/XX/2020 and its been well over 60 days with 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 2020-10-20 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:
hi, I sent out a dispute about incorrect personal info on XX/XX/2020 and its been well over 60 days with 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 2020-10-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Cash Express, LLC
State: AL

Complaint narrative:
I fell behind in my monthly payments due to illness. My wife contacted them and told them this. I can not pay at the time and my wife told them she would let them know when I could make a payment. She asked them to stop calling everyday. However, they continue to call several times a day. This is harassment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
I am waiting for a settlement to pay my Mortgage off but the Mortgage Servicer continues to harass me by calling every Tues and Thurs no matter what calling on 2 different phones even after they talk to me. One rep even cursed on my phone. They are out of control and I would like them to pay for every harassing call.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation