vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-25 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: NJ

Complaint narrative:
I am spouse of an active military and have contacted Equifax 2 times to help fix an error on my credit report. I have been hung up on disconnected given wrong fax numbers numerous times but yet my issue is never resolved. I am looking to refinance our house and there is a late payment should up from XX/XX/XXXX from XXXX. I called discover they have corrected the error in there system and send me a letter stating they have updated it and it takes between 45-60 days to update. 

I have letter proof from discover and have been trying to get Equifax to update this reporting so I can refinance my house before the interest rates go up again. Below is how the account appears on my Equifax report XXXX Account Type : Revolving Account Type - Detail : Credit Card Bureau Code :  Authorized User Account Status : Open Monthly Payment : {$29.00} Date Opened : XX/XX/XXXX Balance : {$700.00} No. of Months ( terms ) : 0 High Credit : {$1700.00} Credit Limit : {$900.00} Past Due : {$0.00} Payment Status : Current Last Reported : XX/XX/XXXX Comments : Credit card Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX I have attached letter from XXXX to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
THIS COMPANY HAS REPEATEDLY CALLED ME FROM DIFFERENT NUMBERS ALL HOURS OF THE DAY AND NIGHT. I PINGED THERE IP ADDRESS ON THEIR SERVER AND IT IS COMING FROM THEM IN VIRGINIA. IM AM EXHAUSTED WITH THIS COMPANY. THEY ARE PAST THE STATUE OF LIMITATIONS IN MARYLAND AND CAN NOT COLLECT BY LEGAL MEANS. THIS ACCOUNT IS POSTED TO MY CREDIT ACCOUNT AS OPEN ON MY ACCOUNT AND IT SHOULD BE CLOSED.I HAVE MAILED THEM A CEASE AND DISIST VIA US CERTIFIED MAIL, FOR {$6.00} I WILL SEEK A LEGAL REMEDY FROM THIS PREDATORY LENDER.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
This involves American Express. This involves an account that belongs to a relative and I have never been financially responsible for this account. I am repeatedly contacted by American Express and a variety of debt collection companies for payment. I have on numerous occasions instructed the company to stop calling me. I have done this by letter and verbally. My next step will be to contact an attorney.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-25 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: TN

Complaint narrative:
Your report on me is in error because it contains information that is inaccurate. I request that you investigate the following and remove them immediately and prevent their reinsertion in my reports. 

XXXX : # XXXX {$0.00} Charge Off. This account does not belong to me. I have no knowledge of this account. Please validate this information with XXXX and provide me with copies of any documents related to this listing bearing my signature. In the absence of any documents bearing my signature, I request that this information be deleted from the file you maintain under my Social Security Number.

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 2020-02-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
constant robo calling to my cell phone and daily letters in mail box since XXXX and i have sent 4 different cease communication demand letters to Resurgent capital services and nothing has changed .my sons employer is getting mad because they call his work harrassing him telling him can he pay my debts .they leave recorded messages on fridays saying they have legal process that they are sending to the local district clerk office to have me served and arrested and to use a prepaid debit card to pay by the next monday. but every one knows that they will never come out because that is illegal. the Resurgent capital company has sent collection notices to me from five different agencys they run for the same identical debt and no one knows who owes who and has turned into a administrative nightmare for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
SunTrust issued a 1099 misc to me showing non employee compensation of {$6000.00}. It took me several days and fruitless phone calls to SunTrust before I realized on my own that one of many insurance claim disbursements funneled through the incredibly unhelpful loan loss departments at SunTrust was for the amount reported as income ''. These funds were for hurricaine irma damage to my home. In total $ XXXX was held by them on my behalf in a no interest bearing acct. v unfair. 
I called the loan loss dept in XXXX First I was told that I must pay taxes on homeowners claims. I couldnt speak to a supervisor but one could call me in 24-48 hours. Outrageous that they made a false report of income to irs and you cant speak to anyone who understands issue. 
I called customer service and a v helpful lady told me shed had a number of customers issued these forms in error this year and last year! How do they get away with such a harmful mistake for more than one year? after a week or two someone called and told me it was all fixed. Ive been told that a corr3cted 1099 was issued XX/XX/XXXX but I have not received it as of XX/XX/XXXX. I did get a corrected 1098 int so apparently they have sent two pieces of incorrect info to the irs about me. 
If I hadnt worked in the tax field I would have put this {$6000.00} on my tax return s income and paid XXXX in taxes that I did not owe. No doubt hundreds of their customers have done this. 

Why dont they have to go back and identify all mistaken 1099s that they issued and work with irs and customers to resolve. This is a serious misuse of my social security number and personal info in my experience. 
I need a copy of the corr3cted form and a letter admitting to their mistakes do that I have documentation if the irs relies on their bad info to hold up my refund or to issue me a bill. You arent allowed to email them and all representatives tell you they have no direct phone number. I went to a branch to try and get a copy of the corrected form but even they cant penetrate the barrier SunTrust has erected between them and their customers. The lady at the branch was told that I could print this form from their online banking site. Untrue! It is not listed in the document section of my account

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 2020-02-25 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: TN

Complaint narrative:
Your report on me is in error because it contains information that is inaccurate. I request that you investigate the following and remove them immediately and prevent their reinsertion in my reports. 

XXXX XXXX XXXX : # XXXX : This account does not belong to me. I have no knowledge of this account. Please validate this information with XXXX XXXX XXXX and provide me with copies of any documents related to this listing bearing my signature. In the absence of any documents bearing my signature, I request that this information be deleted from the file you maintain under my Social Security Number.

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 2020-02-25 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: PA

Complaint narrative:
I sent a certified request with id, and all required documentation to Equifax postmarked XX/XX/19. I received a letter from Equifax that they did not receive the documentation. I complained via cfpb who then notified the company. My request asked for Verifiable Proof ( an original Consumer Contract with my Signature on it ). to date, I have not received Verifiable proof from Equifax. Since it took much more than 30 days without the requested proof sent to me, this exceeds legal guidelines. Under the FCRA, unverified accounts must be removed from my credit report. Since Equifax has exceeded 30 days in this matter, I want the accounts removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: NC

Complaint narrative:
On XXXX XXXX I received a collection bill from IC systems in relation to a debt I then called and set up payment arrangements due to the balance being owed per my divorce decree by my ex wife I was told to pay it on XXXX XXXX. I told them I get paid the XXXX and I would pay when she paid. I am XXXX XXXX military and told them that. I explained it would get handled they promised as long as I payed it wouldnt affect my credit. I paid on XX/XX/XXXX as promised. Shortly after my current spouse and I went to finance a home and IC systems not only took payment the refused to follow through with deletion of account. My wife called and spoke with a supervisor who stated they listen to the call and told us they had an arrangement with cox cable to not delete when ask for documentation the supervisor refused to provide said policy and asked if we had an attorney. After we insisted on this being rectified we were told to contact an attorney because the supervisor stated that had no black and white written document stating said policy and the conversation was over and hung up. I want this deleted from my report I satisfied the debt in the time that was agreed to and all calls are recorded there, they need to rectify this immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 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: TN

Complaint narrative:
Your report on me is in error because it contains information that is inaccurate. I request that you investigate the following and remove them immediately and prevent their reinsertion in my reports. 

XXXX XXXX XXXX XXXX XXXX : # XXXX : This account does not belong to me. I have no knowledge of this account. Please validate this information with XXXX XXXX XXXX XXXX  XXXX and provide me with copies of any documents related to this listing bearing my signature. In the absence of any documents bearing my signature, I request that this information be deleted from the file you maintain under my Social Security Number.

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 2020-02-25 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 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. Also, address and phone numbers listed on my credit report is not nor has ever been an address or phone which I resided or obtained and does not relate to me. It is the result of identity theft. I contacted all creditors. XXXX XXXX doesn't even have an account or record of me in their system.

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 2020-02-25 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 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. Also, address and phone numbers listed on my credit report is not nor has ever been an address or phone which I resided or obtained and does not relate to me. It is the result of identity theft. I contacted all creditors. XXXX XXXX doesn't even have an account or record of me in their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 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: ERC
State: NC

Complaint narrative:
I moved in XXXX and closed my Internet provider account at XXXX XXXX XXXX in good standing. I returned their equipment back to them in a timely matter. Somehow by XX/XX/XXXX the billing department sent me a refund check for {$160.00}. I called XXXX XXXX XXXX and spoke to XXXX in the billing department to report the mistake. She explained it was sent to me in error and the check would be cancelled and my account is good and closed. They mailed me a letter on XX/XX/XXXX stating I need to make a payment to them in the amount of {$160.00}. I called them on XX/XX/XXXX ( 15 days later ) and Spoke to XXXX XXXX XXXX in the billing department to clear up the misunderstanding. I never cashed the check ( I still have it ). They said my account was sent to an outside collection agency ( only 15 days later ). I explained it should not have been sent to an outside agency because first I returned the equipment and second I do not owe any money and third because I called right away to clear the matter up. I also sent them proof of the returned equipment, I sent proof I never cashed the check sent in error so there could be no way I owe them. The matter was told to me that they fixed the issue and my account was now all resolved and I did not owe any money. I then got a letter from the collection agency ERC trying to collect on the debt from XXXX XXXX XXXX in the amount of {$160.00}. I contacted the collection agency and sent them my proof of my documentation that I sent to XXXX XXXX XXXX before it was sent to them. They put the issue on hold. I got a credit report to find the collection still being reported on my credit report two years later. I contacted the collection agency in XX/XX/XXXX to ask why it was still showing on my credit report. They explained XXXX XXXX XXXX still listed me as oweing them the {$160.00} so they could only put the account on " hold '' and XXXX XXXX XXXX must correct the problem. I have been denied car loans, credit cards, and have suffered a lower credit score for over two years from this issue that was pushed by XXXX XXXX XXXX even though I had sent proof of not oweing them. I called XXXX XXXX XXXX  on XX/XX/XXXX to complain and report the harm their incorrect reporting of oweing them has had on me for over two years. XXXX and supervior in Billing acknowledge that the notes on the account shows that it should have never been sent to collection and should have been fixed several times I called in to report the problem. They keep promising to clear it up but by now i feel what was done was fraud and damaged me as a person and my credit rating all these years for and error I clear up several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 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: TN

Complaint narrative:
There is no such entry of record USBK Court XXXX Tennessee Docket # XXXX from the United States Bankruptcy Court for this account in my name. 

I have certified documentation from the United Stated Bankruptcy Court that supports my dispute of this erroneous entry on my report. 

If this entry is verified, please send me the name and address of the provider or furnisher providing this data, and the manner in which it was provided in order that I may pursue additional legal remedies. 

Please note that your Credit Reporting Agency is now subject to Federal consumer financial laws, including, among others, the FCRA and Title X of the Dodd-Frank Act, and related regulations including a ban on Abusive Acts or Practices. ( Section 1031 of the Dodd-Frank Act )

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 2020-02-25 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: CA

Complaint narrative:
Tried to find out the negative point on my credit score since Equifax was much lower than the other two scores. They were VERY UNHELPFUL, the employee was XXXX, employee ID XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
Bank of america Amtrak credit has the most confusing auto pay system, compares to peer products from chase or XXXX. 

I opened this credit card in XX/XX/2019. And I set up auto pay with Amount Due. Without any notification, the system chose minimum due automatically. In addition, they never sent out alters that remind customers they did not make a full payment. 

Until, I have took some time to review my credit statements, I finally realized I have pay over 200 hundreds dollars interest rate fees. 

I have tried to contact Bank of America, they did updated the App/Web interface for auto pay. That means they admitted their system not sufficiently clear for customer. However they refused to refund the interest charges that were unfairly charged.

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
Consumer complaint received 2020-02-25 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: TN

Complaint narrative:
There is no such entry of record # XXXX from the United States Bankruptcy Court for this account in my name. 

I have certified documentation from the United Stated Bankruptcy Court that supports my dispute of this erroneous entry on my report. 

If this entry is verified, please send me the name and address of the provider or furnisher providing this data, and the manner in which it was provided in order that I may pursue additional legal remedies. 

Please note that your Credit Reporting Agency is now subject to Federal consumer financial laws, including, among others, the FCRA and Title X of the Dodd-Frank Act, and related regulations including a ban on Abusive Acts or Practices. ( Section 1031 of the Dodd-Frank Act )

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 2020-02-25 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I opened a consumer credit card with Synchrony Bank headquartered in XXXX Utah. For over 2 years there has been no problem then I have had incorrect charges to my account. I've tried repeatedly to call them and I am unable to reach a human being, only automated lines. This type of communication is unable to assist me at all. I have also been able to reach call centers located in the XXXX but these employees are unwilling or unable to assist. I need to reach a HUMAN BEING in the USA to discuss errors with respect to charges on my account.

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 2020-02-25 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: TN

Complaint narrative:
There is no such entry of record # XXXX from the United States Bankruptcy Court for this account in my name. 

I have certified documentation from the United Stated Bankruptcy Court that supports my dispute of this erroneous entry on my report. 

If this entry is verified, please send me the name and address of the provider or furnisher providing this data, and the manner in which it was provided in order that I may pursue additional legal remedies. 

Please note that your Credit Reporting Agency is now subject to Federal consumer financial laws, including, among others, the FCRA and Title X of the Dodd-Frank Act, and related regulations including a ban on Abusive Acts or Practices. ( Section 1031 of the Dodd-Frank Act )

Company response to consumer: Closed with explanation