vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-14 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 and did not make the charge

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Voss & Klein, LLC
State: FL

Complaint narrative:
Voss and Klein, on behalf of XXXX XXXX XXXX XXXX, is reporting an astronomical amount of debt on my credit report that they are constantly increasing by almost {$100.00} every couple weeks without sending me anything at all in regards to this debt. A man named XXXX reached out to me in 2018 and at that time the amount he wanted me to pay was already more than double what I owed to the hospital. I questioned the amount, asked for explanations from their company, and asked for confirmation of the specific amount the hospital was saying I owed as I was willing to work out something to pay what I actually owed, and he was incredibly rude and aggressive. He was unwilling to work with me would not accept a payment for the amount owed, and made threats about ruining my credit. I did not speak with him or anyone in the company again because I felt very uncomfortable talking to them. Since then, I've received nothing from the company in regards to this debt and they just continue to increase the amount. My last statement from the hospital was that I had owed them {$1700.00} and the collection agency is reporting that I owe almost {$10000.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Credit Management, Inc
State: AR

Complaint narrative:
I sent the credit bureaus and Profession Credit disputes because they are on my credit and I did not apply for credit with them ever and I don't know why they are there. They sent me a letter stating that I owed money for medical reasons, and they sent me my private medical information through the mail with no HIPPA release. I believe they have violated my rights according to the FCRA, HIPPA, and they have willfully intruded onto my credit. I'm baffled at how a company could do this! PLEASE HELP ME!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 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: EQUIFAX, INC.
State: OH

Complaint narrative:
There is an incorrect outstanding debt collection still showing on my credit report through Equifax that has been previously paid on XX/XX/2020. The collection amount of {$190.00} was paid to XXXX XXXX XXXX ( XXXX ) for a former outstanding debt to XXXX XXXX XXXX. I have tried now numerous times to get this corrected through Equifax through their online dispute process, but with no success. When contacted by phone they tell me there is nothing that they can do and that they can only go by the information that the debt collection agency, XXXX XXXX XXXX, provides to them. But in contacting XXXX XXXX XXXX ( also numerous times ) they clearly show this has been paid in their system and have even provided to me an receipt for payment of this former outstanding debt. I have provided this receipt to Equifax along with my last dispute attempt and still Equifax came back after their review showing the collection amount was still outstanding. Help!!! 
This is affecting my credit score through them and given the current economic climate it is even worse ... Equifax has been awful to deal with to try to get this simple problem resolved!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: TX

Complaint narrative:
Dear CFPB, On XX/XX/XXXX I called to cancel the overdraft service on my ATM / DEBIT card. US Bank representatives confirm that this request is visible in their system and that it shows the request went through. I was informed on that call that transactions would thereafter decline for insufficient available balance. 

However, declines never began and overdrafts continued to be charged including two on XXXX, and one on XX/XX/XXXX. 

On XX/XX/XXXX my wife and I called again and asked for the overdraft service to be cancelled and we were given confirmation that it was, and one fee was reversed. US Bank confirms that the fee was reversed but failed to notate why or that any call was made. 

The card still failed to decline and overdraft fees were incurred on XX/XX/XXXX and XX/XX/XXXX. 

Today I called US Bank and the representative confirmed that the overdraft service is notated as being canceled on XX/XX/XXXX, and that she does not see any notation on the account for when or why it was ever turned back on. She has turned it off again but I have no confidence that it is truly off or that it will remain off. 

The total fees improperly charged since turning off the overdraft service on XX/XX/XXXX total {$210.00} and I will not be satisfied until all of That is returned back to me, that the overdraft service is truly XXXX permanently and that I am given written guarantees that it will not be re-establishes without my signed, written permission. 

Thank you for your assistance and diligence.

Kindest Regards, 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
Consumer complaint received 2020-08-14 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: NC

Complaint narrative:
On XX/XX/XXXX I submitted a dispute with Experian regarding an incorrect late payment reported on XX/XX/XXXX from XXXX XXXX XXXX. I provided proof of payment from the creditor with a confirmation number. The dispute was not investigated and the incorrect information remains on my credit report.

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 2020-08-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
National Credit Systems is trying to collect a debt not owed and dismissed in court a Magistrate Court Judge after XXXX XXXX XXXX stated in court they did not want money to prevent me from expose them for having mold issues in the apartment where I lived with my daughters. My younger daughter had consecutive pneumonias due to the mold. Reporting this as a debt is against the Fair Credit Reporting since I do not owe money to XXXX XXXX  XXXX. The writ of possession and money dues were dismissed in court after they expressed they did not want money. XXXX XXXX   XXXX  is being fraudulent and a police report that will be attached has been  filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 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: CA

Complaint narrative:
I am a victim of identity theft and did not make the charges.

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 2020-08-14 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 and did not make the charges.

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 2020-08-14 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 and did not make the charges.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-14 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: SLM CORPORATION
State: IN

Complaint narrative:
I have applied NUMEROUS times to have my co-signor released from my loan. I have met all of the requirements on their release list, and I have made all of my payments on time. My co-signor is an ex-boyfriend that is married and wants to be released from this loan. I obviously can financially afford this loan, I have made payments on time, there is absolutely no reason to continually deny this request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: MD

Complaint narrative:
I was sued and did not receive notice of trial and other documents because the plaintiff had the address wrong. Did not receive any information about the debt, if so I would have requested validation. The plaintiff had a default judgement entered. I am requesting the plaintiff to removed or vacate the judgement please information was incorrect. 

Case XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MD XXXX Case number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 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: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
On my XXXX  report I have an item being listed as : Collection Agency : FIRST FEDERAL CREDIT CONTROL  Original Creditor Name : XXXX XXXX Date Assigned : XX/XX/2017 Original Amount Owed : {$300.00} This item is NOT mine. I have provided my social and DOB to the collection agency and they determined it was an error and that the item belongs to someone else with the same name. 

First Federal Credit Control ( FFCC ) provided a letter saying they have removed that item and I have included this letter in a dispute to XXXX  on three separate occasions. On each dispute XXXX  wrongfully determines the item does belong to me. 

XXXX  claims they are waiting on FFCC to remove the item ; FFCC claims they have removed it and it us up to XXXX to delete it from my credit report. I have contacted each agency on several occasions and none of them seem to be able to take any further action to remove the item.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
In XXXX of XXXX, I traded in a XXXX XXXX XXXX XXXX for a newer XXXX XXXX XXXX. XXXX XXXX XXXX of XXXX, TX, took this vehicle on trade and was to pay the lien of {$10000.00} to JPMCB AUTO FINANCE # XXXX. As seen on credit report, all of my payments prior to trade in were made on time. My credit History is EXCEPTIONAL and this incorrect report is negatively affecting my rating!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America has failed to close my Home Equity Line of Credit per my request in a timely manner. I have called several times and have been on the phone for 0ver 8 hours. On Tuesday, after being on the phone for 5 hours waiting to speak to someone, I was able to speak to XXXX and he assured me that my HELOC would be closed in no later than 48 hours. Yesterday, after being on the phone for over 2 hours, I was able to speak to  XXXX in XXXX and she informed me that my HELOC was in process to be closed yesterday by XXXX XXXX  and it would be reflected no later than midnight. I asked to wait on the line ( 30 additional minutes ) until XXXX XXXX  to make sure that the HELOC was closed but the phone got disconnected and I did not receive a call back. Today at midnight and this morning I checked my online banking and the HELOC is still showing active and has not been closed. I ask that Bank of America please close this account 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 non-monetary relief
Consumer complaint received 2020-08-14 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: AL

Complaint narrative:
My identity has been compromised and leaked by someone I do not know.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 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: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THIS INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2020-08-14 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. DEPT OF ED XXXX XXXX {$16000.00} XXXX XXXX   XXXX {$21000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LD Holdings Group, LLC
State: MN

Complaint narrative:
I was laid off from job and applied for a loan modification due to financial hardship. Submitted forms multiple times and multiple applications from XXXX-XXXX. Denied for loan modification and asked to resubmit and resubmit. During loan modification, foreclosed on home. Had legitimate layoff and had to move. Tried to sell, couldn't. Loandepot.com rejected short sale. Refused to offer any help. Loandepot.com has done zero to help in a situation with a legitimate hardship. We have been applying for a loan modification for two years with no end in sight.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Hello - I paid off a vehicle loan in XX/XX/2020 with Capital One Auto Finance and to date, haven't yet received the vehicle title. 
The Pennsylvania Department of Transportation is stating that they need to receive an electronic lien release request from Capital One which they're saying they've not received, meanwhile Capital One is stating they've placed this request twice. 
Capital One did send me a physical notarized lien release in the mail. PennDOT said they're uninterested in that document as the request must be electronic. 
This week, I called Capital One Auto Finance twice asking for a manager to help me resolve this, each time I was placed on hold and hung up on. 
I've also placed a complaint for them with the XXXX, hoping that would get someone's attention. I've gotten no response from that either. 
I've been stuck in a loop for months and feel that I'm out of options for receiving help. 

I've attached email communication that has taken place with PennDOT. 

It has not been an option to reach anyone at Capital One by email and it has not been an option to reach anyone at PennDOT by phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Confusing or missing disclosures
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have a checking account with Chase Bank. They recently sent me an email advertising {$200.00} when depositing {$15000.00} into a new Savings Account and leaving it there for 90 days. It seemed normal, but on review of the email I found that the offer was actually expired prior to it being sent. Even if I opened the account immediately, I would not have been given the {$200.00}. While this information was all found in the email, it is dishonest to send an offer with a headline for a product that doesn't exist, a bait and switch of sorts. 
I contacted Chase for an explanation, since it's possible the email was delayed due to a technical problem or just a legitimate mistake, but the responses were just as misleading as the original email. 
See the attached correspondence with Chase for details.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: U.S. BANCORP
State: NY

Complaint narrative:
I applied to the U.S. Bank Altitude Go Visa Signature Card on XX/XX/2020, online. 

The application was in process for several days, and I have never been contacted with any follow-up. 

On XX/XX/2020, the application showed as denied. After a 20-minute hold ( seems excessive to me ) someone finally answered the call, who told me that they just needed to verify some information. 
I spoke with the verification department, and was asked a few questions. I was asked if they could send a text code to my phone, I agreed, and then they told me their system had an issue and the code could not be sent. One of the questions was if I was travelling and that prompted me to clarify I have to use VPN at home, and maybe that's why the application might show as not coming exactly from my address in New York ( even though the VPN is for the tri-state area ). 
I was asked a few more questions and put in a hold. In the meantime, I did receive the text message with a code. 

After holding, I was told they " don't feel comfortable approving this application ''. I had already confirmed my identify with questions, and also confirmed I received the text message but she refused to even take the code I received via text, due to their system error. She just kept repeating that they " don't feel comfortable approving this application '' but I was invited to reapply immediately without a VPN, and that would mean another hard inquiry in my credit report. 
Strangely, my partner had applied for this exact same card a few weeks ago using my computer ( and he lives in NJ, not NY ) and his application was approved. So this verification is also not consistent. 

I felt discriminated. 

I answered all my questions correctly, I received the text message in my personal phone, there is nothing in my credit report that would prevent me from opening the card ( no cards opened in over a year, score of over 810, no debts ). I understand if the VPN might have raised concerns but I already confirmed my identity, and asking me to reapply with another hard inquiry is not fair. 

It seems to me I was denied because of their system error ( not being able to take the code sent via text ) other than anything on my side. 

As a customer, I have the option to open any other credit card that I want. However I find it important to share with CFPB how my application was handled, even after confirming my identity and phone number. 

I never hard a credit card application denied before, and VPN was never an issue in previous applications.

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 2020-08-14 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. DEPT OF ED XXXX XXXX {$16000.00} XXXX XXXX XXXX {$21000.00}

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