vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-24 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:
On XX/XX/2020 I applied for a loan through the U.S. Small Business Administration for my restaurant and I was immediately denied due to negative accounts on my credit profile. Although they could not tell me who they accounts were from they advised to me to review my credit report. After reviewing my credit report I found many negative accounts and multiple inquiries that do not belong to me. I have never authorized these accounts to be opened in my name or with my social security. I don't understand how someone was able to open an auto loan under my name. I have never received any money or merchandise from any of these lenders listed in this report. I have also filed a police report with the XXXX Police Department. Please immediately remove these accounts from my credit profile and delete any addresses not associated with me.

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 2020-04-24 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: PA

Complaint narrative:
Purchased tickets to XXXX XXXX concert set for XXXX XXXX, from XXXX via my Capital ONe Credit card. XXXX cancelled this concert, I had the charge removed from my card and now XXXX ( who I also contacted ) said they will reschedule the concert in a year and not refunding my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I had a credit card that was in great standing that I paid off every month. In XXXX of 2014, they thought there was an inaccurate charge on my account and closed my account. They then would not accept a payment and sent it to a collection company who then sent it to a lawyer. They closed and charged it off BEFORE I was ever even late on a payment. They wouldn't let me even pay it. They never let me verify the charges they thought were fraud. They literally just closed it without my consent when it was in good standing. I have spent years trying to get them to fix it but all they will say is they don't own the account. I have the statements from 2014 showing I was completely on time on the account and the next month they charged the account off. I am now applying for a home loan and getting denied only due to these accounts as it is still affecting my credit by over 50 points! I have requested verification multiple times which they have never provided and yet some how it still is on my credit report even though I have done everything that is within my legal right and they won't do anything they are legally obligated to. I can not lose my home due to their mistake that is not even legal!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: AES/PHEAA
State: TX

Complaint narrative:
On the credit report, they claim the account was opened on ( 1 ) XX/XX/XXXX and I owed {$2600.00}. 
( 2 ) And on XX/XX/XXXX and I owed {$2800.00}. 
( 3 ) And on XX/XX/XXXX and I owed {$1700.00}. 
( 4 ) And on XX/XX/XXXX and I owed {$5100.00}. 

I don't owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 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: NJ

Complaint narrative:
I just checked my credit report and saw some accounts that are fraudulent and have to be related to my identity being stolen. The accounts are reporting as XXXX, collection bureau, and XXXX and XXXX. This is impacting my credit in a negative manner. I do not recognize these companies nor have ever done any type of business with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: HUNTINGTON NATIONAL BANK, THE
State: WI

Complaint narrative:
During the summer of 2017, I opened a Business checking account with Huntington bank. At that time, Huntington bank was promoting {$500.00} promotion for opening business checking account and advertising that the deposit funds of {$5000.00} have to be available for in the checking account for over a week to have the {$500.00} promotion bonus. 

After I open the account, later on, not only did the bank NOT give me the {$500.00} bonus as they advertising on Huntingtons website, but they also acted shady that secretly closed my accounts without notifying me. In terms of this action, I have contacted their department many times and they kept refusing the {$500.00} bonus that they promised customers. 

It is extremely dishonest code of conduct that Huntington lied to customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
On XX/XX/2020, I received a collection letter from Credence Resource Management LLC, alleging that I owe a debt that they are trying to recover for {$1200.00} and stating that creditor has authorized their office to accept a payment in the amount of {$450.00} to resolve the debt. The letter indicated XXXX XXXX XXXX XXXX was original creditor. I wrote a letter to them dated XX/XX/XXXX which I certified mailed them and in which they received on XX/XX/XXXX ( within 30 days after I received their letter ). I indicated to them that I NEVER had XXXX XXXX XXXX  as my provider EVER in my entire life and I asked to send me some verification of debt in any form such as contract or application or statement allegedly relayed to the debt or signed receipt. To this date they have not provided me any validation of in any form and neither they responded to my certified letter that they received on XX/XX/XXXX. I sent another certified letter on XX/XX/XXXX, seeking explanation of this fraudulent account and they didn't respond back but they immediately reported this fraudulent account to all to all 3 credit agencies and substantially impacted my credit. I find their act as intentional and abusive because they had the letter from me asking for verification and they knew that I never owed any money to the creditor because I never had any dealings with creditor but they reported me to credit agencies to damage my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIRST NATIONAL BANK OF OMAHA
State: MI

Complaint narrative:
I have contacted First Bankcard numerous times over the years about concerns about how they allocate payments. They honestly have the worst customer service I've ever seen. I have numerous credit cards, and I never have issues with others like I do with First Bankcard. And there customer service is horrible. Very impersonal. They could care less about anything you contact them about it seems. I have maintained for years that they do not apply payments properly. They always apply payments to the balances with the LOWEST APR instead of the balances with the HIGHEST APR like they should. I don't know what else to do. I've written them about this numerous times, and they even put in writing back to me that they do this, and they maintain that is what they are supposed to do. Anyone with any common sense knows that is backwards and not how payments should be applied. But, they don't care. I don't know what else to do. I have specifically made large payments toward my balances when promotional interest rates are expiring, in order to get the promotional balance paid off so the interest rate does not rise, and they do not apply the payments to the promotional balance when it is expiring. I've even sent the payments to the general " customer service '' address with a note explaining to please apply it to my promotional balance so my interest rate does not go up, and they just totally ignore that, but send a letter telling me the payment was sent to the wrong address. They do a lot of things not in compliance with the law on how payments should be applied. And they don't care when it is brought to their attention. They also do not list promotional interest rate expirations on your statements or alert you when it is going to expire like they are required.

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 2020-04-24 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 — Was not notified of investigation status or results
Company: PlusFour, Inc
State: NV

Complaint narrative:
I had a car accident  on XX/XX/XXXX, needed XXXX XXXX  done, got an attorney, XXXX XXXX was paid and my case was closed. On XX/XX/XXXX - six years later, I received a bill from Plus Four , Inc. saying I owe {$310.00} to XXXX XXXX. My attorney  paid XXXX XXXX {$1600.00}. I called Plus Four Collection agency and asked them to note my account. In XX/XX/XXXX, I received a credit card statement showing my credit score dropped 130 points. When pulling my XXXX  credit report, it shows Plus Four Inc. entered a {$310.00} collection on my account for XXXX XXXX in XX/XX/XXXX. Seven years later ... .with no notice to me. I have not received any written correspondence or phone calls. This debt was paid and should NOT be 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 2020-04-24 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: NJ

Complaint narrative:
I just checked my credit report and saw some accounts that are fraudulent and have to be related to my identity being stolen. The accounts are reporting as XXXX, collection bureau, and XXXX and XXXX. This is impacting my credit in a negative manner. I do not recognize these companies nor have ever done any type of business with them.

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 2020-04-24 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: NJ

Complaint narrative:
I just checked my credit report and saw some accounts that are fraudulent and have to be related to my identity being stolen. The accounts are reporting as XXXX, collection bureau, and XXXX and XXXX. This is impacting my credit in a negative manner. I do not recognize these companies nor have ever done any type of business with them.

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 2020-04-24 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: AES/PHEAA
State: SC

Complaint narrative:
I had my student loans consolidated. The consolidation included loans/account numbers XXXX and XXXX. When the loans were consolidated into a new loan the old loans that are apart of the consolidation remained on my credit report. The old loans should all be removed and only the newly consolidated loan should be on my credit report. The old loans still being there means these are all duplicates and for the accounts to be duplicated through out my reports is a violation of the fair credit reporting act The federal Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer.. I would like for the old loans to be removed ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 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: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Step 1 : What is this complaint about? Chase card member Services continues to reinforce that I made valid charge, yet the company will not tell me what was purchase for the money rendered and who the company really is because I d not recognize the charge. Additionally, despite multiple resolution attempts and email messages on its secure messaging system, they do not seem to read the email requests and answer questions that were never asked. The request is to provide the name of the Company ( its real name and not a Doing Business As fake name which I do not recognize and also to tell me what was purchased for the {$150.00} on the date XX/XX/2019. 

Step 2 : What type of problem are you having? The company is not providing clear answers to the questions asked and is not resolving the dispute. The company continues to say the charge is valid yet it will not produce the actual company name that was given the money, the contact information of the company and the product or service for which the charge was made. The company ( Chase ) has an agreement with the vendor, otherwise the vendor would not accept Chase 's credit card. Chase has a duty and an obligation to provide me the company name its contact information to include phone number, address, website, email address and the product or service that was purchased. Chase is not providing this information despite multiple attempts. 

Step 3 : What happened? Apparently a charge was made for {$150.00} on XX/XX/2019 to a company called XXXX FL XXXX  XXXX. I do not recognize the company. The name makes absolutely no sense to me and I do not know the product or service that was purchased. I've disputed the charge multiple times only to have Chase tell me that the charge is valid. Yet, Chase will not produce the real name of the company, its contact information, nor the product or service purchased. There is not valid reason for hiding and not producing this information to me ( the purchaser ) of the product or service. 

Step 4 : What company is this complaint about? Chase Card member services. 

Step 5 : Who are the people involved? Chase card member Services and a company called XXXX FL XXXX  XXXX. 

Step 6 : Resolution requested : Given that Chase will not produce the requested information and it can not be determined to whom the charge was made, nor what product or service was purchase, I request that the purchase be invalidated and a refund to my card be made of {$150.00} for the XX/XX/2019 purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I had my student loans consolidated. The consolidation included loans/account numbers XXXX and XXXX. When the loans were consolidated into a new loan the old loans that are apart of the consolidation remained on my credit report. The old loans should all be removed and only the newly consolidated loan should be on my credit report. The old loans still being there means these are all duplicates and for the accounts to be duplicated through out my reports is a violation of the fair credit reporting act The federal Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer.. I would like for the old loans to be removed ASAP.

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 2020-04-24 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I had my student loans consolidated. The consolidation included loans/account numbers XXXX and XXXX. When the loans were consolidated into a new loan the old loans that are apart of the consolidation remained on my credit report. The old loans should all be removed and only the newly consolidated loan should be on my credit report. The old loans still being there means these are all duplicates and for the accounts to be duplicated through out my reports is a violation of the fair credit reporting act The federal Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer.. I would like for the old loans to be removed ASAP.

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 2020-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
Transunion keep reporting a XXXX account which is paid in full and has more than 7 years. They report this account with one late payment in 2013. 

I want this account removed from my credit report because the 7 years time frame was up a long time ago.

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 2020-04-24 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: OK

Complaint narrative:
Experian Credit Reporting Agency permanent deletion of XXXX XXXX XXXX account number XXXX. 

XXXX XXXX XXXX Deletion previously placed in Experian credit file Deletion date : XXXX XX/XX/2019 Experian Report Number : XXXX XXXX XXXX XXXX XXXX Experian has not permanently deleted said account. 

Experian has not updated my credit score to reflect said deletion of XXXX XXXX XXXX closed/written off/disputed account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
Step 1 : What is this complaint about? XXXX XXXX once XXXX requested proof of insurance.

Step 2 : What type of problem are you having? Company issued threatening letters to me during the Coronavirus time of duress because it did not have proof of insurance. Once I produced proof of insurance, I called the XXXX  insurance department and complained about the threatening letters and threatening tone of the letters. I indicated that many other financial companies are issuing refunds, returning premiums and essentially being kind to their respective customers during the CoronaVirus time of duress. I asked if the company representatives were aware of the news and requested that I be contacted by a supervisor and receive an explanation and an apology. I haven't received any communication from the company other that XXXX providing a letter indicating that it receved proof of insurance. I want an explanation and an apology. 

Step 3 : What happened? Company issued threatening letters to me during the Coronavirus time of duress because it did not have proof of insurance. Once I produced proof of insurance, I called the XXXX  insurance department and complained about the threatening letters and threatening tone of the letters. I indicated that many other financial companies are issuing refunds, returning premiums and essentially being kind to their respective customers during the CoronaVirus time of duress. I asked if the company representatives were aware of the news and requested that I be contacted by a supervisor and receive an explanation and an apology. I haven't received any communication from the company other that XXXX providing a letter indicating that it received proof of insurance. 

Step 4 : What company is this complaint about? Threatening tone of communication to its customers and degrading tonality in XXXX written communication. Lack of awareness that the country is in a national emergency and apparent refusal to adapt processes and procedures like many other financial firms have done. 

Step 5 : Who are the people involved? XXXX  XXXX C/O PHH Mortage Services.

Company response to consumer: Closed with explanation