vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have informed Equifax numerous of times that the account from XXXX/XXXX  in the amount of {$1000.00} is a result of identity theft. yet they fail to block this information. Both XXXX  and XXXX  have removed/blocked this account so Im confused as to the reason that Equifax fails to follow the law FCRA 605 ( b ). I am a victim of identity theft. The account XXXX/XXXX on my credit file of {$1000.00} is a result of such act. I request that you block this account in accordance to FCRA 605B ( A ). THIS CERTIFIES AS MY STATEMENT THAT THE INFORMATION REGARDING XXXX/XXXX  IN THE AMOUNT OF {$1000.00} IS NOT INFORMATION OR AN ACCOUNT RELATING TO ANY TRANSACTION CREATED BY MYSELF.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03 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: Conn's, Inc.
State: TX

Complaint narrative:
Conns Account # XXXX XXXXCalled to pay full account balance of {$320.00}, was offered a settlement of {$250.00} ( which I paid ). 
XX/XX/20 Conns reports to all 3 credit bureaus that as of XX/XX/20 Im 30 days delinquent in the amount of {$64.00}. 
-I file a dispute with XXXX  the very same day stating information reported was incorrect. 
XXXX-I contact Conns about account. Customer service & collections depts. state account settled, and recommend to file a dispute with Conns credit bureau/recovery department XX/XX/20 letter received from Conns stating their investigation determined the reporting was valid & would provide a copy of the complete payment history to validate ( was not included in letter ) XX/XX/20 Conns reports to all 3 credit bureaus that as of XX/XX/20 my account is 60 days delinquent in the amount of {$65.00}. 
-I file a dispute with XXXX  stating reporting is incorrect. 
-I contact Conns Collections dept. states account is settled for an amount less than the full balance, states that is also what they are reporting to the credit bureaus and files another complaint with the Conns internal credit bureau/recovery dept. 
-I also speak with Conns customer service who stated the settlement was not reflective on their end & there was an amount of {$90.00} due or a payoff amount of {$86.00} ( {$65.00} balance {$25.00} late fee ( $ XXXX, XXXX, $ XXXX= {$25.00} ).  She stated she was not sure why the account was reflecting that way & recommended filing a complaint ( which I did )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have informed Equifax numerous of times that the account from XXXX/XXXX  in the amount of {$1000.00} is a result of identity theft. yet they fail to block this information. Both XXXX  and XXXX  have removed/blocked this account so Im confused as to the reason that Equifax fails to follow the law FCRA 605 ( b ). I am a victim of identity theft. The account XXXX/XXXX  on my credit file of {$1000.00} is a result of such act. I request that you block this account in accordance to FCRA 605B ( A ). THIS CERTIFIES AS MY STATEMENT THAT THE INFORMATION REGARDING XXXX/XXXX  IN THE AMOUNT OF {$1000.00} IS NOT INFORMATION OR AN ACCOUNT RELATING TO ANY TRANSACTION CREATED BY MYSELF.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On Sunday XX/XX/20 I called XXXX reservation and booked a two day stay at XXXX   XXXX in XXXX, MD for {$110.00}. When I arrived at the hotel I was told that check-in was at XXXX XXXX. I told her to cancel the reservation. Today, I learned that my credit card was charged {$120.00} and later refunded {$62.00}. This is a shortage of {$57.00}, which has left me with a lack of much needed credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
XX/XX/XXXX : Round trip airline ( XXXX ) ticket purchase using Comenity Bank-issued credit card ( {$480.00} ) XX/XX/XXXX : Notification of outbound flight cancellation ; XX/XX/XXXX : Notification of inbound flight cancellation XX/XX/XXXX through XX/XX/XXXX : Multiple calls to airline requesting refund ( refused ), including attempts to escalate to supervisor. Ultimately told to contact complaint department in writing. 
XX/XX/XXXX : Email to complaint department of XXXX XX/XX/XXXX : Written denial of refund request made to XXXX XX/XX/XXXX : My reply to XXXX insisting on refund ; response by XXXX denying request again. 
XX/XX/XXXX : First attempt to contact Comenity to dispute charge. Taken verbally by agent. 
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX : Calls to Comenity related to dispute, including several attempts to obtain reconsideration of denials ; additional online submission of dispute with relevant documentation. 
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX : Letters of acknowledgement of receipt of dispute, denials of my original dispute and my subsequent submissions requesting reconsideration. Letters include comments suggesting that Comenity did not review any of my submitted proof and make any contact with the airline.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paramount Recovery Systems, L.P.
State: OK

Complaint narrative:
I called this company on XX/XX/2020 to settle the debt. The original amount was {$600.00}. It was agreed that i could settled the debt for {$420.00}. I asked what this would be reflected as on my credit report. The representative said Settled in full. I asked to receive proof of settled debt by mail or email. They said they would send me something in the mail. I never received it. I have called twice since then and have not received anything. I ended up disputing the debt on my credit report. It was then updated to the amount of {$420.00} being paid, but now says i still owe a remaining balance of XXXX. This is incorrect due to the fact i was told that the amount i paid would be reflected as settled in full. I am frustrated that i still have not received anything from Paramount recovery showing proof of payment and that the debt was settled.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In or about XX/XX/2020, I disputed XXXXXXXX XXXX XXXXXXXX ' entry that is on my credit report. The credit reporting agencies completed their investigation, but did not remove the entry. In or about XX/XX/2020, I mailed a certified letter to XXXXXXXX XXXX  XXXX requesting debt validation. They did not respond within 30 days per The Fair Debt Collection Practices Act, but they continue to report this debt on my credit report. Furthermore, XXXX XXXX  XXXX never notified me about this debt.

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 2020-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In or about XX/XX/2020, I disputed XXXX XXXX  XXXX ' entry that is on my credit report. The credit reporting agencies completed their investigation, but did not remove the entry. In or about XX/XX/2020, I mailed a certified letter to XXXX XXXX  XXXX requesting debt validation. They did not respond within 30 days per The Fair Debt Collection Practices Act, but they continue to report this debt on my credit report. Furthermore, XXXX XXXX  XXXX never notified me about this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In or about XX/XX/2020, I disputed XXXX XXXX  XXXX ' entry that is on my credit report. The credit reporting agencies completed their investigation, but did not remove the entry. In or about XX/XX/2020, I mailed a certified letter to XXXX XXXX  XXXX requesting debt validation. They did not respond within 30 days per The Fair Debt Collection Practices Act, but they continue to report this debt on my credit report. Furthermore, XXXX XXXX  XXXX never notified me about this debt.

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 2020-10-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Hello everyone! XXXX you're all safe and sound. badly need your help, my bank XXXX XXXX XXXX was acquired /merged with XXXX XXXX XXXX and they changed everything without my knowledge. I had had an automatic payment set beforehand and therefore incur a late without my knowledge. This is very unfortunate cause they are reporting it late 30 days on XXXX which is unacceptable for me. I do ask in light of the good standing relationship we have that you remove this 30 day late from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc.
State: NE

Complaint narrative:
I was reviewing my credit report on XXXX when I noticed that i was placed in collections for a debt that did not belong to me. I contacted Central Portfolio Control and politely informed them that this debt is not mine. The recovery specialist was belligerent, rude, and hostile and told me that the medical debt was mine. I gave her my email address and asked her to send me copies of me signing for consent to be treated at that hospital, and all necessary paperwork showing that it is in fact my bill. The representative agreed to do so. It has been two weeks and the company has failed to respond to my request. Please help me to remove this false medical bill from my credit report because this bill does not belong to me. 
Thank you kindly for your assistance, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: USCB, Inc.
State: NY

Complaint narrative:
On XX/XX/2019 I was involuntarily given an ambulance ride and stayed overnight at XXXX XXXX hospital. They neglected to properly take my insurance information and billed me as a XXXX patient. I was fully insured by XXXX XXXX as a Department of XXXX XXXX in XXXX XXXX XXXXXXXX. I have since called my insurance company 3 times to settle this. They have assured me that they have handled it with the hospital and I do not owe any money whatsoever. I have continued to receive calls and mail from USCB debt collection agency asking for payment ( XXXX dollars ) on this " delinquent account ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
I have two mortgages with United Wholesale Mortgage. They applied two payment to one house in error. The incorrect account number was on the check but the voucher had the right account and the pay stub for the right account was included in the envelope. 

I send my payment for XX/XX/XXXX on XX/XX/2020 for both my XXXX, XXXX  and my XXXX  house in two separate envelopes, each with its own stub. 

XXXX - I received my statement with a late fee. ( I am always early ) so I called and found out they credited a {$2000.00} ( {$1400.00} payment and add'l {$580.00} to principal ) payment for my house in XXXX, XXXX  to my house in XXXX. They agreed it was an error and credited me the late fee and said they reapplied they payment plus additional principal to the XXXX, XXXX house. 

XXXX - I received my invoice .. again a late fee. I called again ... another 3 hour call. They did apply the {$2000.00} to XXXX but they applied ALL {$2000.00} to principal only. therefore making my payment past due again. They credited me again and said they fixed the error. 

I then set up Auto pay to avoid any future error due to come out of my account on XX/XX/2020. 

XXXX - I viewed my bank account on XX/XX/XXXX and XXXX - they had not taken out my money. I called and they said they could not take it out because my account in XXXX was still showing past due. I was told I needed to send in copies of the cashed checks via email to XXXX which I did. Then XXXX XXXX number XXXX  said I needed to send in another payment because I was showing late ( even though it was UWM 's fault ) in order for them to auto deduct my payment for XXXX. 
I did - I asked for a call from management that never came. I was told within 24 hours. I called Saturday and was given the name of XXXX XXXX ( XXXX  ) would call me by XXXX. NO call. I called there at XXXX XXXX  the call dropped and when I called back they were closed. 
In addition - I received another invoice with another late fee. 

I am hoping to get help on Monday XXXX XXXX. To date I have exceeded 15 hours on the phone trying to get them to correct the error to no avail. Can you help me get through to them? 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ERC
State: OH

Complaint narrative:
Going over my credit report and noticed some accounts that do not belong to me. The accounts need to be deleted from my credit report immediately. Other accounts have been transferred to other offices and are now showing up twice on my credit report. This affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The Following Account listed below : -XXXX XXXX # XXXX -XXXX XXXX, XXXX. # XXXX -XXXX XXXX XXXX # XXXX -ENHANCED RECOVERY CO L # XXXX -XXXX  # XXXX -XXXX  # XXXX -XXXX XXXX, XXXX # XXXX -XXXX XXXX, XXXX # XXXX -XXXX XXXX  # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: I.C. System, Inc.
State: OH

Complaint narrative:
Going over my credit report and noticed some accounts that do not belong to me. The accounts need to be deleted from my credit report immediately. Other accounts have been transferred to other offices and are now showing up twice on my credit report. This affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The Following Account listed below : -XXXX  XXXX   # XXXX -XXXX  XXXX, XXXX. # XXXX -XXXX  XXXX XXXX # XXXX -XXXX   XXXX  XXXX  XXXX XXXX XXXX -XXXX  # XXXX -XXXX  # XXXX -I.C. SYSTEM, INC # XXXX -I.C. SYSTEM, INC # XXXX -XXXX 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 2020-10-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: WA

Complaint narrative:
On XX/XX/2020, I paid the amount in full of {$3900.00} for a delete letter and deletion of the debt off my credit report and it was never done. 

XXXX XXXX, I sent out a verification letter to prove the debt or deletion in 30 days and they never responded. 

XXXX XXXX I sent out another verification letter to prove the debt or deletion in 30 days and they still never responded. 

I need the entire account deleted off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: FL

Complaint narrative:
I have no knowledge of this account nor have I ever heard of received any communication from this company attempting to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
chase upgraded me to private client in 2010. Now all of a sudden they are saying my average balance is not qualifying and they are trying to charge me fees for everything. They are not willing to consider my business account balances towards my personal. Just my business accounts alone more than qualify for private client ( {$100000.00} ). Ive been a client for 40 years and this is just really unfair and sad.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1900.00}, {$10000.00}, {$5700.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- OPEN ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account. 

-- CLOSED ACCOUNTS 2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my 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 2020-10-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I erased the complaint but saved it as a download. Please see attachment file complaint is there. Thank You. Capital One has all this information and has copies of complaints I filed with the XXXX  and the e-mails to and from this company and myself stating refund was sent also they have recordings of all phone calls or so they say.

Company response to consumer: Closed with monetary relief