vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have repeatedly disputed with Capital One and XXXX  regarding the accuracy of an account Capital One is reporting on my credit report. I am exercising my right under FCRA section 609. I have a right to view the information that Capital One has regarding a account they are reporting on my credit report. I do not agree with the balance or payment history. Example, the credit limit was {$300.00}. XXXX  is reporting the high balance as {$800.00}. How did the balance exceed the credit limit? Capital One verified the information as accurate. I do not agree with the late payments. I am requesting ; the Balance History, Payment History, Original Contract, Payoff Disclosure, Interest Rate Disclosure, and Credit Insurance. Capital One has not provided any of the documentation requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harris & Harris, Ltd.
State: MD

Complaint narrative:
Harris & Harris , LTD has committed fraud and violated my rights as a consumer. According to 18 US Code 1342 " Whoever, for the purpose of conducting, promoting, or carrying on by means of the Postal Service. '' Attached below is what was received by postal service mail. Also, I requested validation from 15 US Code 1692g ( B ). H & H was unable to validate the alleged debt. I would like for this account to be settled and resolved to paid in full with a XXXX  balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Synovus Bank
State: TX

Complaint narrative:
I opened a secured credit card with 1st Progress using my own {$200.00}. I used and made payments on this card for 10 months and felt like I shouldnt be charged how much interest I have been being charged especially with the money I am spending is money I used on my card. So I decided to make the final payment and was under the impression that this account was closed at that point. I recieived more late fees and interest charges and caused my balance to go up and them to report me late to the credit bureauas. This has caused tremendous damage to my credit and I am about to lose the home I have worked so hard to get into. They should not be reporting me late when I placed the money on this card that I was previously using and cause severe damage to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
MIDLAND FUNDING LLC at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX has been sending me collection notices in the about of {$1200.00} the collection has been reported as past due. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
I deposted a check with Captial One bank online on XX/XX/21. They informed me that the check would be held for 60 days after I made the deposit. I waited the 60 days and the funds were still held. I contacted the bank and they informed me there was a missing endorsement and I would need to have the issuing bank return the check and issue a new one. I called the issure of the check and they said the check cleared their account weeks ago and that because the check has been paid Captial One should not be holding my funds and they would not re-issue a new check or return the paid check I needed to work this out with Captial One. I now can not get Capital One to return my call to settle this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I purchased a washing machine and dryer from XXXXXXXX XXXX via credit card application which I later discovered the amount was financed by Synchrony bank. 
Unfortunately, this product was returned and a return process was duly completed ( see invoice attached ) this was back in XX/XX/2019, XXXX still reports an outstanding balance of {$510.00} which accrued from {$420.00} on my credit report and it still sends me bills every month. 

Order # XXXX Order Date : XX/XX/2019 Sales # XXXX XXXX Transaction # XXXX Store # XXXX Terminal # XXXX Store Manager 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 monetary relief
Consumer complaint received 2021-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have sent several dispute letters and Equifax always says they dont receive my documents causing a delay as I then have to send the documents again just to be provided with the same information. 

I sent a letter along with a document from the collection agency stating the account will be closed and removed from all credit agencies. Since I didnt see the updates were made, I sent the dispute directly ; however, the account has not been deleted. I spoke with an agent today, XX/XX/07 at XXXX CT who was rude and refused to provide his name and refused to get a manager on the phone. He placed the call on mute and ignored my requests as he did not respond. The call is currently active as I am completing this dispute going on 50 minutes while the agent still has not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ID Analytics, Inc.
State: TX

Complaint narrative:
I've disputed the public record on my credit files with the credit reporting agencies and the data mining companies but keeping getting that the account was verified by the US bankruptcy Court of XXXX  Texas. I've supplied a letter from the US Bankruptcy Court of XXXX Texas, The XXXX XXXX of Texas that states they don't report to and Credit reporting agencies and the credit reporting agencies and data miners continue to verify the account. Under the Privacy act of 1974 under 5 U.S.C. 552a that information isnt allowed to be released by the US Bankruptcy Court. Under 15 U.S.C. 1681-1681y, Section 623 of the FCRA, 15 U.S.C. 1681s-2, only the furnisher of the information can report information and since XXXX and the other data miners are third party companies and not the US Bankruptcy Court of the XXXX XXXX of Texas the Credit Reporting agencies and Data Miner Companies are in violation of law and therefore are subject to fines and penalties.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 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: TX

Complaint narrative:
I've disputed the public record on my credit files with the credit reporting agencies and the data mining companies but keeping getting that the account was verified by the US bankruptcy Court of XXXX  Texas. I've supplied a letter from the US Bankruptcy Court of XXXX Texas, The XXXX XXXX of Texas that states they don't report to and Credit reporting agencies and the credit reporting agencies and data miners continue to verify the account. Under the Privacy act of 1974 under 5 U.S.C. 552a that information isnt allowed to be released by the US Bankruptcy Court. Under 15 U.S.C. 1681-1681y, Section 623 of the FCRA, 15 U.S.C. 1681s-2, only the furnisher of the information can report information and since XXXX and the other data miners are third party companies and not the US Bankruptcy Court of the XXXX XXXX of Texas the Credit Reporting agencies and Data Miner Companies are in violation of law and therefore are subject to fines and penalties.

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 2021-09-07 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: CBC Companies, Inc.
State: TX

Complaint narrative:
I've disputed the public record on my credit files with the credit reporting agencies and the data mining companies but keeping getting that the account was verified by the US bankruptcy Court of XXXX  Texas. I've supplied a letter from the US Bankruptcy Court of XXXX Texas, The XXXX XXXX of Texas that states they don't report to and Credit reporting agencies and the credit reporting agencies and data miners continue to verify the account. Under the Privacy act of 1974 under 5 U.S.C. 552a that information isnt allowed to be released by the US Bankruptcy Court. Under 15 U.S.C. 1681-1681y, Section 623 of the FCRA, 15 U.S.C. 1681s-2, only the furnisher of the information can report information and since XXXX and the other data miners are third party companies and not the US Bankruptcy Court of the XXXX XXXX  of Texas the Credit Reporting agencies and Data Miner Companies are in violation of law and therefore are subject to fines and penalties.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
Account Name : PORTFOLIO RECOV ASSOC ( Original Creditor : XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX ) Account Number : XXXX Date Opened : XX/XX/2020 Balance : XXXX Reason : Identity theft Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
the credit bureaus have been directly ignoring my letters and mail and even phone calls for months. I talked to each credit bureau with promises of fixing my issues and still they hane n't done their job.

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 2021-09-07 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Select Management Resources, LLC
State: TX

Complaint narrative:
This loan originated in early XXXX, around XXXX of XXXX and has since been refinanced like 4 times, and none of my payment were ever applied to the loan, payments were interest only payments, and they went out of their way to make it difficult to pay extra or even to pay loan off. If a payment was made online, it could only be for the amount due, the monthly6 interest payment. no extra. If i made it through XXXX XXXX, the payment incurred late fees, like they would intentionally take longer just to incur fees, and it seemed that XXXX didnt want to pay them, just how it seemed. If you went in, you could pay with debit, but in no way credit card, I think due to it being easier to get you money back from the CC.If you wanted to pay extra, only cash, the debit card used for the payment, was now not good enough for extra payment. 
The reason i had to get a loan is the VA mistakenly started garnishing my XXXX because they said i owed them money, but i dint, and i had been homeless just a few months earlier so i wasnt very stable yet. They didnt realize that in my previous life i was employed as an XXXX XXXX, i have my XXXX  but got XXXX  in XXXX and couldnt work, i got my 100 % service-connected decision in late XXXX, but lost everything in early XXXX, My house, my brand-new XXXX, all my belongings in the house, and was left homeless with what fit in my backpack. And now since i have paid almost XXXX on a XXXX loan, i must move at the end of this month on the verge again of homelessness. I found out about the local ordinances last week that they have been violating, intentionally, and they do not give a damn, they call me multiple times a day and Im scared they are going to repo my car. Not scared in the traditional sense, i have a weapon and TX  just passed a no-license carry law and i will not tolerate anyone of these XXXX  coming near me or my car. I sent them messages that Im not paying any more payments, i want my money back and my title, and they do not care, they just called and tct, and left messages, and Im getting to the point that enough is enough. they are making my life XXXX by what feels like taunting. I told them to jus stop! but they refuse., the main coorporation even went so far as to get a XXXX dollar low interest loan recently. The company is Loan Star title, or " Loanmax '' and the i dont remember offhand the big corporation but its in XXXX GA. 
BTW, my car need work, it hasnt run right almost all year, and isnt registered because it wont pass inspection, because I have no money to fix it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-07 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: PA

Complaint narrative:
On the consumer report, there is incorrect information and fraud accounts that were made without my consent. They were multiple inquiries that were without my knowledge.

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 2021-09-07 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: NY

Complaint narrative:
I already disputed this account XXXX XXXX  with account number XXXX and it was deleted from Equifax & XXXX  in my credit reports. However, on my updated credit reports XX/XX/2021, the account appeared again as a new item but under a different name which is XXXX XXXX XXXX ( but obviously the same as it is still XXXX XXXX ) with the same account number XXXX and is reporting negative under Equifax & XXXX. I've attached a copy of my credit report summary showing that it has been deleted and was added back again. I want this to be removed as it is very illegal to add on removed fraudulent accounts. This is a scam and I want this to be thoroughly investigated promptly. This inaccurate account is being reported negative in my credit records again and is hurting my financial stability. I have disputed this and was deleted but it was added back again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 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: NY

Complaint narrative:
I already disputed this account XXXX XXXX  with account number XXXX and it was deleted from XXXX  & Experian in my credit reports. However, on my updated credit reports XX/XX/2021, the account appeared again as a new item but under a different name which is XXXX XXXX XXXX ( but obviously the same as it is still XXXX XXXX ) with the same account number XXXX and is reporting negative under XXXX  & Experian. I've attached a copy of my credit report summary showing that it has been deleted and was added back again. I want this to be removed as it is very illegal to add on removed fraudulent accounts. This is a scam and I want this to be thoroughly investigated promptly. This inaccurate account is being reported negative in my credit records again and is hurting my financial stability. I have disputed this and was deleted but it was added back again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 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: TRANSWORLD SYSTEMS INC
State: MO

Complaint narrative:
A Federal Perkins Loan was established in XXXX for myself. I completed my higher education in XXXX of XXXX and my loan was then eligible for payments in XX/XX/XXXX. Any time I received a bill in the mail, I paid it, via check in XXXX. This is shown in the enclosures that I made payments in XX/XX/XXXX to cover XXXX & XXXX of XXXX as well as XX/XX/XXXX to cover XXXX and XX/XX/XXXX. To the best of my ability, I do not recall receiving any other statements or past due notices in the mail. I also did not receive any emails or phone calls stating I needed to make a payment. When receiving a bad address notification, due diligence was not performed on behalf of University Accounting Services and I was not contacted via any other method with the information on file. My phone number and email address as of XX/XX/XXXX are still accurate. The information of this loan being delinquent and being reported to the three main credit bureaus as such is inaccurate because I did not receive notification that I had payments to make or that my loan was past due. I received 4 years of unfair late charges due to this diligence not being performed and not being notified of this loan still being open. UAS continued to submit information that was known incorrect, I am entitled under these laws to notices concerning the reporting, handling, and use of my credit information and was not notified of the negative handling of this account, another violation under the CRA. UAS failed to notify me when it supplied and continued to supply negative credit information. This would have been detailed in a billing statement but referenced above, they were not received, and all of these violations would have been avoided, had due diligence been performed on behalf of UAS in getting in touch with me. The company has not complied with my request to have this negative information removed from my credit report, even though I paid the full {$1300.00} on XX/XX/XXXX, including over {$350.00} of unfair late fees accrued over 4 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I filed for bankruptcy but I still have the account appearing on my credit report because Walmart switched the credit card company who serviced their accounts from Syncbank to XXXX. It is the same debt and the Syncbank closed account should show bankruptcy not show the payment history since its the same Walmart debt that shows bankruptcy with 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 2021-09-07 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: FL

Complaint narrative:
I was using XXXX and moved out of address. I was going to pay the bill to XXXX and then a month too late they gave this debt to helvey so i contacted helvey today that i want all derogatory stuff all credit file in exchange for the XXXX paid in full today and they refused to help me do that i called XXXX back and offered the XXXX if they would remove all derogatory XXXX and they said it is too late to pay them directlyt so i want to pay this XXXX today cash and only if they remove my collections and late and all negative remarks all bureaus ..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Upstart Holdings, Inc.
State: FL

Complaint narrative:
I filed for bankruptcy but I still have the account appearing on my credit report because Upstart changed something in their system about the account although it is the same debt. 
The account is closed and show bankruptcy not charge-off or be removed from my account.

Company response to consumer: Closed with explanation