vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-03 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: BARCLAYS BANK DELAWARE
State: VT

Complaint narrative:
XXXX charged {$97.00} for a car rental to card on XXXX XX/XX/XXXX, but car rental not used. Contacted XXXX via email and 'phone with no resolution ; put me on hold and then disconnected. Identified this spurious charge to my credit card to Barclays in XX/XX/XXXX. Barclay 's  initially removed the charge, but later re-entered the charge because XXXX said the charge was valid. For over a year I have sent multiple FAX 's to Barclays and several letters all with the same message - if tBarclays is determined that the charge remain on my account then refund the last annual fee and close the account. In Barclays last letter to me, XXXX XX/XX/XXXX they indicated I have to call to resolve this matter. I called on XXXX XX/XX/XXXX and an automated answer indicated no agents are available and then hung up. 
Incidentally, the account balance is 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 2020-05-03 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
In XX/XX/2020 I contacted SunTrust Bank to authorize {$1200.00} mortgage payment for the month of XXXX. In XXXX I found out that they had reported to the credit bureaus that I was delinquent for my XXXX payment when the money had been sitting in my bank, XXXX XXXX, all along waiting for SunTrust to take it. At no time did they contact me to find out if there was a problem and since the money had been deposited for the XXXX payment, I did not think there was one.  This error on SunTrusts part has caused my credit rating to be lowered when I was not at fault and this is an error on their part. I am actively working to try to correct this adverse report which has affected my credit rating and have contacted the bank numerous times. To date, they have not anything to correct the incorrect delinquency report they provided to the credit bureaus.

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 2020-05-03 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
On XX/XX/XXXX I noticed that there were charges on my XXXX credit and debit card totaling XXXX and XXXX from a gym membership in XXXX XXXX that never went through ( I live in WA ) all made on XX/XX/XXXX or XX/XX/XXXX. My Capital One credit card was charged totaling XXXX all made on XX/XX/XXXX or XX/XX/XXXX. I looked into it further and realized that my wallet was stolen. I submitted a police report as well as an incident report to my apartment complex. Then over the next few days I contacted both credit unions and said my cards were stolen and filed for fraud - online through XXXX and over the phone through Capital One. 
I received new one tap versions of my old cards and had to call again for actual new cards. 

By XX/XX/XXXX XXXX had credited me back the XXXX and it was over and done with and everything was settled with XXXX. 

Capital One credited me back the XXXX and started an investigation. However, on XX/XX/XXXX I received a letter from Capital One stating that they had found no indications of fraud and would be charging my account the full XXXX. I called them on I think XX/XX/XXXX and was taken to their Credit Fraud team and was told that they could not help me as they werent the actual team that investigates the fraud, but that they would contact the team on my behalf and that I should wait, and so I did. I waited a week and when there was no correspondence from them and the charges were still on my account I called on XX/XX/XXXX I believe and got transferred to their fraud team again. This time they told me that I needed to submit more evidence that it was not me making those purchases and once I did they would look to reopening the investigation. So they sent me a link and I submitted the apartment incident report and police report ( they have not gotten back to me ) as well as the charge from my XXXX account from XXXX XXXX and then I waited again. After another week there is still no correspondence from them and the charges are still on my account. I call them AGAIN on XX/XX/XXXX and this time the fraud team transfers me to a manager. I explain my situation and she looks at the notes and tells me everything I already know and heard. I tell that I already submitted more evidence and she seemed surprised by this, as if no one had even looked at my evidence and just left me hanging. She tells me that I have to wait another 7-10 days for them to send me a letter and that they would investigate further, even though they should have when I submitted the evidence. Now I have to wait another week to try and resolve everything and make it so I dont have to be charged for money stolen from me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-03 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Why do credit bureaus continue to try to get more credit cards. They continually tell me to apply for this card or that card. I have 4 only one has a balance of XXXX on it but its XXXX percent for 14 most and I will pay it off before then. XXXX  told me to apply for XXXX card which had a good bonus so I did and they immediately turned me down. Then they tell me to apply for discover card I did turned because I already have a discover card. Well this is 2 inquiries that shouldnt effect me. Also I had a regions s account that I closed and paid in full in 2014. I wrote regions and I have tried to dispute several times. I was laid off going through a rough time during that period. Since then I have worked hard to restore my credit. I always pay Bill 's on time if I am making money. Also cell phone inquiries should not be hard inquiries. If u shop around their gon na pull score and that is at least 2 of my  inquiries. I'm XXXX years old And I had great credit till divorced at one time over 800 score but when I didnt charge or by anything for 10  years score dropped to XXXX and I thought when you get old get out of debt. Anyways today 's XXXX score is XXXX well a couple a months ago I had as high as XXXX and now its dropped 50 points and not one late payment or a reason besides inquiries. Thank you in advance for listening and please follow up with me if u are able to help. Thanks XXXX XXXX. My email is 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 2020-05-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE IS AN ACCOUNT THAT SHOWS LATE PAYMENT HISTORY WHICH IS IN ERROR. 
I HAVE SENT DISPUTE LETTERS ON XXXX20, XXXX20, XXXX20, AND XXXX20, BUT TO DATE I HAVE NOT RECEIVED ANY RESPONSE FROM YOUR COMPANY. YOUR FIRM COMMITTED FOUR 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA STATUTES. 
ALSO, THERE IS AN ACCOUNT REPORTING LATE UNDER, THE ACCOUNTS TO AMEND, WHICH SHOULD BE AMENDED TO SHOW, NEVER LATE.

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 2020-05-03 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: CA

Complaint narrative:
I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE IS AN ACCOUNT THAT SHOWS LATE PAYMENT HISTORY WHICH IS IN ERROR. 
I HAVE SENT DISPUTE LETTERS ON XXXX20, XXXX20, XXXX20, AND XXXX20, BUT TO DATE I HAVE NOT RECEIVED ANY RESPONSE FROM YOUR COMPANY. YOUR FIRM COMMITTED FOUR 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA STATUTES.

ALSO, THERE IS AN ACCOUNT REPORTING LATE UNDER, THE ACCOUNTS TO AMEND, WHICH SHOULD BE AMENDED TO SHOW, NEVER LATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I have already submitted many complaints containing verification on my part of MY identity to Experian regarding the account I am referencing. And my previous complaint with the CFPB ( which yielded nothing ) against Experian was still NOT sufficient and Experian STILL has not performed a reasonable investigation regarding this company. How do I know?? Because the company is CLOSED due to the COVID-19 pandemic hence ; adding the comment on my credit affected by natural or declared disaster the company is located in NEW YORK. Which has been on strict closure orders for the last 2 months. 

Experian submitted a response to the last complaint with CFPB ( complaint ID XXXX XXXX dated submitted XX/XX/20 ) explaining that they have contacted XXXX XXXX XXXX to verify the information and received the information back from them verifying the account?? How did that work??? WHO VERIFIES THESE ACCOUNTS?? WHAT INFORMATION/DOCUMENTS IS EXPERIAN RECEIVING THAT IS PROVING THIS ACCOUNT IS VERIFIABLE?? And WHERE is MY documentation that I am legally entitled to verifying the VALIDITY of this account?? IE : A signed document containing MY wet signature?? THAT is the law and I have now requested this information FOUR times. And if this account is not verified in this way, I DEMAND that it be deleted according to the law! I will not hesitate to be litigious! 

Experian is breaking the law! What is the CFPB going to do about this?? What is the point of the CFPB if it is merely a MEDIATOR?? I started sending these requests and received my first response from Experian ( illegally ) and they did not provide me the proper documentation and claiming it has been verified a MONTH before the declared pandemic. 

The company I am referencing in my complaints with Experian is : XXXX XXXX XXXX ACCT # : 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 2020-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Convergent Resources, Inc.
State: SC

Complaint narrative:
Convergent has infringed upon my rights to privacy as a consumer and they are in violation of the following sections of the Fair Debt Collection Practices Act. 
1. 1692b ( 2 ) 2. 1692 ( a ) 3. 1692b ( 5 ) 4. 1692d 5. 1692 ( d ) 2 6. 1692g ( c ) 7. 1692 ( 14 ) 8. 1692c ( a ) ( 1 ) 9. 1692c ( a ) ( 3 ) 10. 1692e ( 2 ) ( A )

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 2020-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
LVNV FUNDING LLC XXXX, SC XXXX Mr. XXXX XXXX, President Mr. XXXX XXXX XXXX XXXX, Vice President Mr. XXXX XXXX, Treasurer Fax Numbers ( XXXX ) XXXX Primary Phone Numbers ( XXXX ) XXXX THIS COMPANY IS REPORTING INFORMATION ON MY CREDIT REPORT AND I HAVE DISPUTED IT SEVERAL TIMES. THEY ARE NOT VALIDATING THE DEBT AND I DON'T RECALL RECEIVING ANYTHING FROM THIS COMPANY REGARDING THIS ALLEGED DEBT. A STATEMENT DOESN'T PROVE OR PROVIDE A CLEAR CHAIN OF OWNERSHIP OF THE DEBT. SINCE LEGAL AND PROPER DOCUMENTATION HASN'T BEEN PROVIDED I AM REQUESTING THEM TO CEASE COLLECTION ACTIVITY AND REMOVE THIS ACCOUNT FROM THE CREDIT BUREAUS .A : LVNV FUNDING LLC never then sent a collection letter to Plaintiff that included the required 1692g validation rights disclosure. 
B : According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract. 
C : The FDCPA ( Fair Debt Collection Practices Act ) specifically prohibits a debt collector from using false, deceptive or misleading representation in connection with the collection of any debt. 15 U.S.C. 1692e

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated
State: TN

Complaint narrative:
I applied for unemployment the beginning of XXXX. I had to get the debit card they offered because they wouldn't accept my routing number for my bank account. The unemployment was approved and it says 3 payments have been put on the debit card but I still haven't received the card. 

I've called Way2go several times and waited on hold for a total of 10 hours only to have someone answer the phone and then hang up on me. I can't report the card lost or stolen because I never received it and set it up. Way2go requires a pin number for the card to report it lost and I don't have one set up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SCA Collections, Inc.
State: TN

Complaint narrative:
I do not recall receiving any info telling me that this bill was in collections. I happened to look into my credit report and saw that this has been reporting for several years. Since it was a low amount, I called the company and simply paid the bill. Even though I was not aware from which it came. After paying this, I contacted the company with no avail. It is still reporting negatively. Please look into this matter and contact me in the upcoming weeks as I am attempting to work on my credit score. Thank you and I am looking forward to hearing from you soon.

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 2020-05-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Atlanticus Services Corporation
State: NV

Complaint narrative:
I have contacted them several times to close my account. Each time they indicate they understand what I want and say I need to pay the outstanding balance. I pay the outstanding balance, they still don't close the account and the next month I get another bill for the monthly fee. I am hard of hearing so it is difficult for me to keep calling which doesn't seem to do any good.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Ocwen Financial Corporation
State: NC

Complaint narrative:
I have written to Ocwen on two occasions pointing out they are reporting a 30 late in the Payment Status when the account shows closed with a XXXX balance. This is impossible ... .must be a key punch error. You can't be late when the account is closed with a XXXX balance. The same inaccurate information is reporting on two other accounts. See attached excerpts from the credit report and the most recent letter dispute.

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 2020-05-03 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:
I noticed false information on my credit report and would like them removed because it is affecting my life traumatically! I did not authorize nor consent any of these false actions affecting my score.

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 2020-05-03 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: Experian Information Solutions Inc.
State: HI

Complaint narrative:
I call, sent letters to Experian to remove and delete. This is not my account They are not following rules at all

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 2020-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I have written to Wells Fargo Home Mortgage three times requesting proof that that I was late and properly charged off. The last letter is attached. All they do is to write me and say that I was late and the account was charged off.. That is not sufficient proof. They should be providing copies of every monthly statement showing that I was in fact late ... just like they would have to do if they were going to Court to prove up their case.

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 2020-05-03 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: FL

Complaint narrative:
Equifax continues to report fraudulent accounts on my report that do not belong to me. They are in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03 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: FL

Complaint narrative:
I noticed false information on my credit report and would like them removed because it is affecting my life traumatically! I did not authorize nor consent any of these false actions affecting my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03 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: FL

Complaint narrative:
I noticed false information on my credit report and would like them removed because it is affecting my life traumatically! I did not authorize nor consent any of these false actions affecting my score.

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 2020-05-03 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: CITIBANK, N.A.
State: CA

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing this letter because Bloomingdales has incorrectly reported that my credit card account had late delinquent payments in XXXX and XXXX XXXXI am asking that the error be corrected, and the reporting of the delinquent payments be removed from all three credit bureaus as previously reported to by Bloomingdales due to the explanation below. 
In XX/XX/XXXX, due to a security compromise, it was necessary to close my checking account and open a new one, which I did. In XX/XX/XXXX, I had a balance due on my Bloomingdales credit card account which I successfully paid on-time and in full using my new checking account which brought my balance to XXXX. However, the automatic payment feature was still active and tied to the checking account that was closed in XX/XX/XXXX. Bloomingdales attempted to withdraw a second payment from the closed account which was rejected by my bank., even though I had a XXXX balance. I spoke to customer service agent XXXX # XXXX and she confirmed that Bloomingdales did not have the technology to recognize the {$XXXX} balance when the automatic payment feature attempted to withdraw a second payment. 
Bloomingdale went on to charge my account an NSF fee of {$27.00}. 00. Since my current checking account was debited for the total balance due on the payment due date, XX/XX/XXXX, I had no reason to think that any fees were billed or that I was delinquent with any payments to my account. It wasnt until XX/XX/XXXX that I made this discovery. I called customer service and they removed the fees, however, Bloomingdales reported to that I was 30 and 60 days delinquent to all three credit bureaus. I even spoke to supervisor, XXXX # XXXX, who said that it would be removed. A week later I received a letter from Bloomindales saying that the derogatory report could not be removed. Thank you for your time in correcting this urgent matter. 
Sincerely, 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