vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-27 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:
REMOVE ALL XXXX  LOANS XX/XX/2017 - Formerly part of XXXX XXXX , XXXX, XXXX  is the largest student loan servicer ... Today 's lawsuit alleges that XXXX has been in violation of the ... 
CFPB Sues Nation 's Largest Student Loan Company XXXX  for Failing Borrowers at Every Stage of Repayment XXXX, Formerly Part of XXXX XXXX, Illegally Cheated Borrowers Out of Repayment Rights Through Shortcuts and Deception

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 2020-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
REMOVE ALL XXXX  LOANS XX/XX/2017 - Formerly part of XXXX XXXX , XXXX, XXXX  is the largest student loan servicer ... Today 's lawsuit alleges that XXXX has been in violation of the ... 
CFPB Sues Nation 's Largest Student Loan Company XXXX  for Failing Borrowers at Every Stage of Repayment XXXX, Formerly Part of XXXX XXXX, Illegally Cheated Borrowers Out of Repayment Rights Through Shortcuts and Deception

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 2020-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently obtained my credit report. There are accounts listed that do not belong to me. Please investigate and remove this account. Please send an updated copy of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Capital One has a long standing company policy of ignoring the bylaws of the Fair Credit Act. On XX/XX/2020 I called to dispute a {$530.00} charge from XXXX which was a duplicate billing by this firm backed up by an email I recieved from XXXX acknowledging a credit should had been processed. Once I got my statement from Capital One I saw the credit had not been issued by XXXX  so I called Capital One to dispute the charge. After getting their Customer Service Department to agree it was a worthy dispute they transferred me to their Dispute Department at Capital One. The Dispute person argued with me for over 20 minutes about not wanting to issue the Dispute. This is a long standing approach I have found Capital One 's dispute department does on a regular basis, ignoring the Fair Credit Act. If they don't want to issue the required Dispute on a person 's credit card they simply hang up on the consumer. I want to complain that I have seen this approach by Capital One concerning consumer 's that wish to file a credit card charge dispute possibly costing consumers millions of dollars in " bad credit card charges '' that Capital One does not allow one to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: FL

Complaint narrative:
I have XXXX in my account and every transaction I make gets declined, I cant withdrawal any money or send any money to people, says I dont have enough money in my account..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
MY COMPLAINT IS AGAINST CAPITALONE, XXXX XXXX XXXX XXXX XXXX,VA. XXXX XXXX   PHONE.   I PURCHASED VIA INTERNET FROM XXXX FLEA/TICK TREATMENTS FOR MY CATS-XXXX  AND XXXX, ON XX/XX/20 FOR $XXXX USING CAPITAL ONE'S CREDIT CARD ENDINGXXXX. I CALLED XXXX  TO DETERMINE DELIVERY TIME. LADY I SPOKE TO SAID BECAUSE OF COVID19 WILL TAKE A LITTLE LONGER. IT IS NOW XX/XX/2020. NO DELIVERY YET. PLACED 2ND CALLS ABOUT 12-15 DAYS LATER. NO LONGER ANSWER PHONE IN XXXX BUT THE XX/XX/XXXX.TOLD ME THEY COULD NOT HELP ME. 3RD CALL TO XX/XX/XXXXAGAIN SAME RESPONCE. STARTING AROUND XX/XX/XXXX THRU XX/XX/XXXX I HAVE CALLED CAPITAL ONE AT LEAST A DOZEN TIMES AND PROBABLY MORE TIMES. TRIED ALL THE NUMBERS I COULD FIND. ' IT IS MY BELIEF CAP1 IS USING COVID19 TO MAKE THEIR CUSTOMER SERVICE EXPERIENCE 100 TIMES WORSE THAN USUAL.!!' TO SAVE MONEY.  ONLY WANT TO DISPUTE THE CHARGE AND GET MY MONEY BACK FROM XXXX. THANK YOU XXXX XXXX   XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-27 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: Convergent Resources, Inc.
State: GA

Complaint narrative:
I contacted CONVERGENT OUTSOURCING and indicated I needed to know how the cable company ( XXXX ) had come to the amount they were trying to collect. ( {$400.00} ) I asked for them to send me a debt validation to include how they had come up to the amount. I indicated I had every intention to pay if I could figure out the nature of the charges as I believed that the owed amount was already addressed previously. I never got the debt validation and I see that this agency reported me to the credit bureau ( XXXX  ). I contacted the agency again and they informed me that they were going to report my account to yet another credit bureau unless I make the payment in full prior to them reporting it to XXXX  as well. I asked them if they had sent the debt validation via certified mail, since they would be able to see that I never got it. They claim certified mail is not a requirement and they only send via regular mail. I have verified the correct address but I am not getting the mail. Now I have two  options, wait for the debt validation and have my credit report be affected even more. Or make the payment blindly without getting the debt validation.

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 2020-05-27 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I received a XXXX XXXX credit card in XXXX of 2011 when purchasing a toaster oven online and returned the oven when it malfunctioned for a full refund. Instead the credit card statement showed a balance due of {$5.00}. I wrote the bank - Comenity of Ohio the issuer of the card about this but they refused to do anything. Over time the balance grew to {$44.00}. 
Comenity reports this account delinquent and my credit report is now bad. Several bank card companies have reduced their credit lines to me referencing this delinquency. 
Last month Comenity sent a letter saying that as I have a " good payment history '' they forgave {$30.00} of the amount shown past due. My current statement now shows a balance due of {$15.00}. Thus over five months the incorrect {$5.00} has increased by {$10.00} all of which is the $ XXXX monthly minimum interest fee times 5!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-27 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Professional Recovery Consultants, Inc.
State: NJ

Complaint narrative:
To whom it may concern ; I have been receiving calls and now a threatening collection letter to collect a debt or it will be reported to the credit bureaus. I have contacted the original creditor via email to inform them of the calls and that the address on file for me was incorrect. Therefore, I was not receiving the bill. I have since made a payment of {$100.00} on XX/XX/2020 of the {$290.00} balance using my Health Savings Account card. XX/XX/2020 is when I received the first call. However, I must halt future payments due to the pandemic. I informed them additional payments will be made when I resume working. I then started to receive the collection letters. I received one dated XX/XX/2020 which still shows the full balance of {$290.00}. 

Any assistance will be greatly appreciated. I have provided the collection agencies information and the email I sent to the original creditor, XXXX. 

Regards, -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- NXXXX XXXX XXXX XXXX XXXX # XXXX Professional Recovery Consultants XXXX XXXX XXXX XXXX, NC XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NC XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Original Creditor XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, CT XXXX Email I submitted to the Original Creditor : XXXX on XX/XX/2020 Today I received a call from a collection agency. I was not able to make out the company name but it was regarding a bill. Apparently the address on file is an old one and therefore I was not receiving any bill and my bill was sent to collections. 

I was able to go on your website and make a payment of {$100.00} today toward the {$290.00} balance using my HSA card. However, I will not be able to make any further payments until I return to work. 

Due to the COVID-19 companies such as yourself are suppose to have compassion on the out of work/unemployed/furloughed and or terminated employees and suspend collections and payments due until after the pandemic. Without having income should my bill go into collection during this time? Especially being that the bill has been going to the incorrect address? 

I would appreciate it if my bill was retracted from the collection company it was sent to because the bill is being sent to an old address and a partial payment has been made. 

Feel free to contact me via email, mail or by telephone. 

Regards,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Navient is claiming they do not have to follow the CARES act on certain loans and are refusing to allow extended forbearance in the middle of a global pandemic. Someone needs to hold these student loan companies accountable. They are attempting to collect on student debt with interest in the middle of this pandemic with millions unemployed. They leave people like me, who lost my job due to Covid in an impossible situation of not being able to pay my loans and ruining my credit because of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I have an inquiry from PayPal credit services but I never applied for PayPal credit ... I have a PayPal account but never applied for their credit card. I have reached out to them on at least 2 occasions and sent a letter to XXXX  because XXXX does not allow you to dispute inquires online. They say they are investigating but this occurred on XX/XX/XXXX and I called to complain only days after. They did not give me case number the first time I called but they did the second time : 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 non-monetary relief
Consumer complaint received 2020-05-27 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Aqua Finance, Inc.
State: TX

Complaint narrative:
I had an account that was closed on XX/XX/XXXX XXXX which was for a Water Filtration System placed at my residence. The finance company is stating they placed UCC-1 Lien on my property which was never agreed upon, also this is an excessive amount that they have placed on lien.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 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: Texas Guaranteed
State: TX

Complaint narrative:
I first contacted Trellis on XX/XX/XXXX disputing the first date of delinquency. I asked for proof of payment history to back up the date. All I received was a loan summary with ZERO payment history that they sent XX/XX/XXXX. I was told via email that XX/XX/XXXX was the date of delinquency was given by XXXX but there is ZERO paperwork of them getting this date. If there is, it wasn't sent to me as requested. This company is in violation of 623 ( a ) ( 5 ) ( A ) ( ii ) as they didn't follow reasonable procedures to obtain the original date of delinquency since the original creditor did not list it on my credit report. ALSO, once I disputed the information, they violated the FCRA by not conducting a reasonable  investigation. I did a reasonable investigation and obtained payment history from the original creditor that is listed. The original date of delinquency is XXXX of XXXX. All of this is backed by email correspondence. That was the date I fell behind and my account was NEVER current from that point. I have payment history, they don't. There is NOTHING to back up THEIR date This company has CLEARLY violated the FCRA and I want these accounts IMMEDIATELY removed from XXXX, XXXX and XXXX. I'm confident that now that I've pointed out this issue and completed THEIR investigation for them, which all I did was make a phone call to the original creditor, that I will have the desired outcome I asked for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: M. G. Credit, Inc.
State: FL

Complaint narrative:
I received notice from tis company that I owed them money I have never done business with them. I requested they validate the debt, they send back a transaction sheet, which does not show me any services rendered or what I am supposedly being billed for. The personal information they sent back did not match mine. I sent them another letter after this advising of such and they have now started reporting on my credit. They did not update the account as in dispute nor have they sent me a proper validation of this debt, and that they are contracted by who I supposedly owe this debt too. Per their XXXX   reviews I see this is a common violation for them. I have kept all documents as well as my certified mail receipts showing they have received my letters and ignored them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 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: CA

Complaint narrative:
About 2 months ago, I asked XXXX XXXX why my score dropped 29  points. 
My one delinquency was a year old. Already had been dinged. 
Was told to contact Experian. 
After I created a dispute to find out why my score was 29  points higher in their system, They emailed the research was complete. 
My score went to XXXX or higher, in a few days, on all 3 credit reporting agencies.

A few days later, fell 61 on all 3. 
Phoned Experian. They could not explain why. Told me to contact FICO.

XXXX  said they couldnt give me an answer.

My annual credit report only shows the one delinquency.

My score dropped another 4 points in XXXX. 
XXXX XXXX site shows a negative I have too much on my accounts. It's been XXXX for a year or more. I, this month, left {$120.00} balance only because another negative item was not enough balances. 
XXXX XXXX, now, shows I have a higher score than the Experian site. XXXX says they use Experian. 

Account Summary FICO Score XXXX as of XX/XX/20 XXXX XXXX credit rating : Excellent FICOScore | FICO Score XXXX| Experian Data Score range : 300 850| Updated Monthly Planning & Tools Visit the Smarter Credit Center View My Retirement Plan Calculate Debt-to-Income Ratio Your Score Factors Your Score History Credit Reports Credit Education FAQs Factors affecting your current FICO Score Congratulations! Your XXXX XXXX credit rating is Excellent based on your current FICO Score. 
These key factors may reflect your credit information as reported in your credit report. They're for informational purposes and while these factors are present in your credit report, they may not significantly impact your current score. 

Number of accounts with delinquency No recent revolving balances Proportion of loan balances to loan amounts is too high Time since delinquency is too recent or unknown Too many inquiries last 12 months

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 2020-05-27 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 have sent documentation to both XXXX  and Experian, that shows that the XXXX account was opened by identity theft. i sent them a police report and my address at the time that it was opened that i did not live in the area or even the state where it was opened. and yet, they are still reporting this as accurate. i have asked them to show me documentation that shows my signature and they can not produce it. XXXX   couldnt verify it and they deleted it so how are XXXX  and Experian reporting it as accurate??

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 2020-05-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Wallet was stolen while at a store. Credit Cards were used by a thief that was later arrested. All Credit Card companies released liability of card holder, except Home Depot. 
Call was made to Home Depot the day of the theft to cancel the card and report theft. Home Depot was given the XXXX Police Department case number, During said call on XX/XX/2020 at XXXX XXXX XXXX XXXX EST. Along with detailed info about wallet being stolen while out shopping. The Home Depot Card was used by the thief that day. 
Letter received from Home Depot dated XX/XX/2020 Stated that they will review the fraud claim and the card holder is not responsible for anything until they render their decision. 
Letter received from Home Depot dated XX/XX/2020 Stated that after their review, the card holder is responsible for the full amount of the charges exceeding {$700.00} USD. 
Home Depot certainly knows the liability cap as per CFR 12 on stolen credit card physical usage reported within twenty-four hour 's to the credit card company is {$50.00}. 
I have called Home Depot today after receiving last letter in an attempt to resolve this matter. XXXX XXXX XXXX. I spoke with XXXX XXXX XXXX XXXX. She acted surprised like Home Depot hadn't received any of the Police Case numbers or information that a wallet theft was the case. ( Which they were given when first reported on XXXX XXXX ) However I was informed that I was now liable for all charges and interest until another review and decision was rendered. I asked and was denied any additional contact information : ( ex. email, last names, supervisor contact etc. ) I was informed that it will take seven to ten days for another review, possibly up to 90 days. 
I am the victim of a reported crime and feel like I am being re-victimized by Home Depot by being told that I am liable for charges that I did not make. I also explained to their rep today that they can file for restitution through the XXXX County State Attorney 's Office because the thief was arrested, which they told me they don't do. 
XXXX Police Case # XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX I request that the CFPB investigate this matter. I would also like for Home Depot to release me from these unauthorized charges as per federal laws and for Home Depot to waive any and all fee 's included in this case. Also Home Depot should require  Identification on any credit card purchases at the counter over XXXX XXXX Dollars.

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 2020-05-27 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 have sent documentation to both Equifax and XXXX, that shows that the XXXX account was opened by identity theft. i sent them a police report and my address at the time that it was opened that i did not live in the area or even the state where it was opened. and yet, they are still reporting this as accurate. i have asked them to show me documentation that shows my signature and they can not produce it. XXXX   couldnt verify it and they deleted it so how are Equifax and XXXX  reporting it as accurate??

Company response to consumer: Closed with explanation