vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-05 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: PA

Complaint narrative:
my accounts with capital one were on auto pay in XX/XX/XXXX XXXX XXXX and XXXX of XXXX i have late payments on my report there was an issue with the payment processing and i reached out to the company to have the issue corrected these late payments are negatively impacting my ability to get a mortgage or an apartment

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 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: CITIBANK, N.A.
State: NY

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 havent received any investigation results.

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 2020-11-05 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Complaint ID XXXX. My problem DID NOT FIX YET WHY ITS CLOSED. 

Company responded on XX/XX/2020 " Company 's Response Thank you for submitting your complaint on XX/XX/2020, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We have reviewed and considered the information you have supplied through the CFPB portal and directly to Experian. In order to remove a fraud alert from your Experian credit report, we need the request in writing along with the information listed below. Send the requested information to Experian, XXXX. XXXX XXXX, XXXX, TX, XXXX ... ... '' - USPS has been delivered my documents on XX/XX/2020 at XXXX XXXX  XXXX TX XXXX. I have certified mail, I already sent you what you asked for. 

- 1 copy of my ID, 1 copy SSN, 1 identification information form with my hand writing, 1 utility bill. 
- My tracking # XXXX - Now you asked me to sent them again. This is wasting my time and money because i have proof from UPSP, Experian already received my documents. Are you guys serious working? PLEASE TAKE AT LOOK SERIOUS.

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 2020-11-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Credit Management, Inc
State: AR

Complaint narrative:
Professional Credit Management continues to violate the Fair Debt Collection Practice Act by continuing collection efforts after being notified this debt never belonged to me and attempting to collect on Medical Debt in the state of Arkansas after the statue of limitations has expired per ( A.C. A. $ 16-56-106 ) Debts incurred for medical services have a statute of limitations of 2 years from the date the service ( s ) was rendered or from the date in which the most partial payment was made ( A.C.A. 16-56-106 ). These actions are clearly a violation of my consumer rights and Professional Credit Management must be held liable for their actions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 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: TX

Complaint narrative:
XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX  XXXX. 
XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX XXXXXXXX Inquiry from XX/XX/2020 inquires are not mine or unauthorize

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 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: TX

Complaint narrative:
XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX  XXXX. 
XXXX XXXX XXXX Inquiry  from XX/XX/2020 XXXX XXXX XXXX/XXXX  Inquiry from XX/XX/2020 inquires are not mine or unauthorize

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 2020-11-05 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: TX

Complaint narrative:
XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX  XXXX. 
XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX XXXX/XXXX  Inquiry from XX/XX/2020 inquires are not mine or unauthorize

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: GA

Complaint narrative:
On XXXX I got a letter from Flagstar bank saying my mortgage payment went up because my escrow went up due to my property taxes going up. Soon as I saw this I called both my county and city tax offices to check if this was true and both said my taxes went down. Last year this same mortgage bank tried this on me and had my payments sky high saying my escrow account was short and I had to pay extra to fix my payments. I went and got proof and sent it to them but it still took months for them and many hours and days wasted to fix the situation. Now I am back doing the same thing again. When I asked them for proof to email the changes the first time about my escrow they didn't provide anything. After I guess me calling so many times this bank started to hang up on me and leave me on hold for long periods of time. Also they didn't want to refund my money that was in limbo because I paid them extra after fixing my escrow account. I need help with this bank because this is too much to have to deal with again. My taxes went down and they are trying to take money from me 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 2020-11-05 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: DISCOVER BANK
State: NY

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 havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX  XXXX reported to the credit bureau that my credit card was canceled by creditor. This was not because of anything I had done. All payments have been made as agreed. The XXXX  XXXX company filed for bankruptcy and then sold the company to another dealer. Im continuing to pay my bill as agreed and have not had demands for balance in full. I dont think the should besmirch my credit by stating account closed by creditor!! It should be shown another way, as to not make me the villain. Can you please 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 explanation
Consumer complaint received 2020-11-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 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: Consumer Portfolio Services, Inc.
State: AL

Complaint narrative:
On XX/XX/2020, a sales person contacted me from XXXX XXXX advised that I was able to trade my vehicle in with no down payment with this program that they have because I had my vehicle for over a year and was making good payments. I advised that I was not trying to have my credit pulled was in the purpose of trying to purchase a home. The promise and guarantee me that only XXXX would pull my credit, and that not the case server lenders pulled my credit without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 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: CL Holdings LLC
State: FL

Complaint narrative:
On XX/XX/2020, I mailed a letter to this company, asking for full validation of the debt the are trying to collect from me and reporting on my credit report. Since I have no contract with this company, Im entitled to know the specifics of this debt. I sent this letter certified / return receipt, so I know they received it on XX/XX/2020. I advised them of their requirement by law to provide this information to me per the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) I asked for the following items. It is imperative that collection companies be required to follow the law, as anyone could send me letters and say I owe them, without any proof. To date, this collection company has not responded, by providing the required proof. 


Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Personal information incorrect
Company: Mr. Cooper Group Inc.
State: NC

Complaint narrative:
I requested a business address be used once for a certain piece of correspondence during the refinance. I explicitly told the loan officer that I did not own that address and that it is to be removed from his records immediately after that phase of the refinance. 

I called in to customer service when I discovered that address on my credit report. After repeated complaints they finally opened a research inquiry. I received a canned response tonight stating it was closed without further action, as it didnt include a police report. 

I am frustrated I must involve the federal government in what should be a straightforward correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 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: AL

Complaint narrative:
On XX/XX/2020, a sales person contacted me from XXXX XXXX advised that I was able to trade my vehicle in with no down payment with this program that they have because I had my vehicle for over a year and was making good payments. I advised that I was not trying to have my credit pulled was in the purpose of trying to purchase a home. The promise and guarantee me that only XXXX would pull my credit, and that not the case server lenders pulled my credit without my permission.

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 2020-11-05 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: AL

Complaint narrative:
On XX/XX/2020, a sales person contacted me from XXXX XXXX advised that I was able to trade my vehicle in with no down payment with this program that they have because I had my vehicle for over a year and was making good payments. I advised that I was not trying to have my credit pulled was in the purpose of trying to purchase a home. The promise and guarantee me that only XXXX would pull my credit, and that not the case server lenders pulled my credit without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 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: AL

Complaint narrative:
On XX/XX/2020, a sales person contacted me from XXXX XXXX advised that I was able to trade my vehicle in with no down payment with this program that they have because I had my vehicle for over a year and was making good payments. I advised that I was not trying to have my credit pulled was in the purpose of trying to purchase a home. The promise and guarantee me that only XXXX would pull my credit, and that not the case server lenders pulled my credit without my permission.

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 2020-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
On XX/XX/2020 my Bank of America XXXX checking account was closed out of no where for no reason no explanation with a account balance over XXXX dollars I was told I'd have my balance mailed to me in the form of a cashiers check by the end of XXXX I employed 4 employees and during the pandemic they all applied for there unemployment benefits since they didn't have bank accounts they asked if they can have it deposited into my account and pay them cash which I agreed to do so on the day of the deposit I tried to with draw there money to pay them but was told there was a limit of XXXX I can withdraw that day so I proceeded with the transaction then later that day I find out that they closed my account abruptly no warning nothing and this caused problems between me and my employees they was thinking I was trying to keep the money for myself so I had to pay them from my personal savings after being told that they would mail me a check then I was instructed to bring my employees to the branch to speak with the manager which I done so on XX/XX/2020 after the conversation the manager said I everything looks good and that I will receive the check in 2 weeks after 6 weeks and still not receiving the funds I called the unemployment office to verify if the funds was reversed or returned to them and was told no it has not been returned then I proceeded to call the bank which they said they returned the funds even though I told them that no the funds was not returned and with this ordeal I lost {$11000.00} paying my employees and now being told the funds will be returned this bank is the biggest fraud I will never in my life deal with a single thing associated with bank of america I will not quit pursuing them until I am payed back all the money owed to me

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 2020-11-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Credit Management, Inc
State: AR

Complaint narrative:
Professional Credit Management continues to violate the Fair Debt Collection Practice Act by continuing collection efforts after being notified this debt never belonged to me and attempting to collect on Medical Debt in the state of Arkansas after the statue of limitations has expired per ( A.C. A. $ 16-56-106 ) Debts incurred for medical services have a statute of limitations of 2 years from the date the service ( s ) was rendered or from the date in which the most partial payment was made ( A.C.A. 16-56-106 ). These actions are clearly a violation of my consumer rights and Professional Credit Management must be held liable for their actions. This debt was opened as of XXXX or XXXX depending on which consumer reporting agency you are reviewing which is inaccurate information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 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: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: CO

Complaint narrative:
For over 10 years, I've worked as a XXXX in XXXX and for the XXXX XXXX. I have dedicated my XXXX career to XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX. I've been diligent about making my student loan payments in a timely manner and following all of the Public Service Loan Forgiveness ( PSLF ) rules and procedures. I've spent endless hours on the phone with lenders and servicers trying to fix their mistakes. 

In XX/XX/2020, I was notified by Fed Loan Servicing that I had made 120 qualifying payments and could apply for forgiveness, which I did immediately. My application has been pending for over six weeks. So, I called Fed Loan Servicing today. I was told that the process could take up to six months, and only then will my application be forwarded to the U.S. Department of Education for the second step. The process is painfully slow. 

There is no good reason that the confirmation of eligible payments should take so long. Fed Loan Servicing has been verifying my employment and payments all along, and notified me that I was eligible. The company is obstructing public servants from taking advantage of the PSLF program. Meanwhile, financial records, including credit reports, show that I have a huge amount of educational debt. Additionally, I must continue to endure the stress and anxiety associated with having no faith in the system working properly or fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 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: NY

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 havent received any investigation results.

Company response to consumer: Closed with explanation