vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-24 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I had an auto loan with XXXX XXXX. I have been timely with all my payments, for 4 years straight. In 2020, I had an accident that totaled the car out. My parent insurance company, XXXX XXXX, paid the larger portion of the remaining loan, about 85 %. My GAP insurance company paid about 10 %, and I had the remaining portion at about 5 %. My last communication from XXXX XXXX was a letter dated XXXX XXXX, 2020, just telling me that my different options for paying off the {$810.00} that was left. There was no timeframe for which I had to get it paid, nor any threat or communication at all regarding reporting it to my credit as a closed account within 90 days. I had purchased a new car in XX/XX/2020, so I had a new car payment. Given the new car purchase, I was not able to make 2 car note payments, so I was trying to figure my finances out. I expected for XXXX XXXX to contact me with a bill, as they have done monthly for 4 years. They never contacted me again, and then all of a sudden, XXXX XXXX, 2020, they reported to the credit bureau that the account was closed, as if I refused to pay it! I was informed by my credit monitoring service on XXXX XXXX, 2020, which was a Saturday. I immediately called but they were closed. I called first thing Monday morning, and asked about options to reverse what they had reported on my credit. They refused to change it, and offered me a settlement. I immediately paid {$480.00} of the {$810.00}, and they accepted payment and told me to dispute the credit report. I filed disputes with all 3 credit bureaus, and as a result, XXXX XXXX is now showing I paid a settlement, but that they charged off over {$2000.00}! This has caused my credit score to be lowered by 75 points! XXXX XXXX  did not give me the notice that this would adversely impact my credit within 90 days, and did not give me the opportunity to pay the account before choosing to publish this on my credit report. I think that is an unfair business practice, especially after I have made on time payments to them for over 4 years. Nothing in my payment history suggested that I would not pay the remaining portion of this bill.

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 2020-12-24 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Netspend Corporation
State: NY

Complaint narrative:
Netspend is being used as a gift card but it is really ( on the fine print ) a debit card at XXXX for which you are now an account holder and they require your social security number to active a prepaid card given as a gift. This is not a gift card. It is predatory prepaid debit card that I received for the holidays and can not use in any way unless I provide a social security number as though I am opening a bank account with a bank I have never heard of. When calling customer service they redirect to a perpetual holding queue and never acknowledge the customer issue of wanting to use the funds given as gift card. They are illegally collecting personal protected information and selling it to the highest bidder. The person who bought this as a gift card had no idea that each transaction is charged with a fee which should not fall into the category of gift card use or any prepaid card use. I want action to be taken against them as they are conducting fraud and taking people 's money and personal information without permission.

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 2020-12-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Continental Finance Company, LLC
State: IL

Complaint narrative:
I received a guaranteed letter for a credit card of {$500.00}. Once they bring you to a " website '' for your approval, they take your information and then say you are declined and then try to get you to sign up for some other XXXX type of company. My girlfriend and myself are both subject to this. I now have a hit on my credit, I would be glad to share the misleading letter. It tells you your credit limit and everything. I have an approval from a much more reputable company, so I know my credit was good enough to get a card. I just want this off my credit and would like to be removed from their system. I would also like to know how they got my information. My personal opinion, companies like this should be held responsible for lying to consumers and effecting their life in such a bad way. I now have a credit pull and decline tied to my name because of them. Please help and please make them pay for their shady advertising tactics.

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 2020-12-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX is in violation of UDAAP reporting of a debt with XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. I was denied leasing with XXXX XXXX XXXX on XX/XX/XXXX. I worked for a preferred employer mployer so the application fee was waived. However, XXXX XXXX XXXX is falsely reporting this as a debt owed on report with XXXX and Transunion ( violation of FCRA ). THIS IS false reporting. 

XXXX XXXXXXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX AND XXXX IMMEDIATELY DELETE REPORTING on credit report for XXXX XXXX XXXX and the named account below : XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX PLEASE DELETE THESE ENTRIES.

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 2020-12-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX is in violation of UDAAP reporting of a debt with XXXX XXXXXXXX XXXX  XXXX XXXX on XX/XX/XXXX. I was denied leasing with XXXX XXXX XXXXXXXX on XX/XX/XXXX. I worked for a preferred employer mployer so the application fee was waived. However, XXXX XXXX XXXX is falsely reporting this as a debt owed on report with Equifax and XXXX ( violation of FCRA ). THIS IS false reporting. 

XXXX XXXXXXXX XXXX XXXX XXXX  ACCOUNT NUMBER XXXX XXXX AND XXXX IMMEDIATELY DELETE REPORTING on credit report for XXXX XXXX XXXX and the named account below : XXXX XXXX XXXX. 

XXXX XXXXXXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX PLEASE DELETE THESE ENTRIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 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: Nelnet, Inc.
State: FL

Complaint narrative:
There are 4 late payments showing on my credit report from Nelnet on two different loans. These loans were in forebarance and there was an issue with the forebarance continuance. The continuance of the forebarance was corrected ; Nelnet stated all late payments were to be removed. 2 years later and multiple disputes they will not remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
After numerous certified letters and FTC Identity theft reports, Transunion still fails to correct my credit report. This is may last attempt to reach out and request to have the following accounts blocked from my credit report or I do will not have a choice but to file a suit against Transunion. 

Account Name : XXXX Account Number : XXXX Reason : Identity Theft

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 2020-12-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Financial Resources, Inc.
State: MA

Complaint narrative:
Hello First Financial Resources , Inc . 
, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. I am really smart and demand all these documents or you will face an immediate lawsuit. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least XXXX to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 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: FL

Complaint narrative:
There are 4 late payments showing on my credit report from XXXX on two different loans. These loans were in forebarance and there was an issue with the forebarance continuance. The continuance of the forebarance was corrected ; XXXX stated all late payments were to be removed. 2 years later and multiple disputes they will not remove 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 2020-12-24 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: CA

Complaint narrative:
Experian updated my balance incorrectly on XX/XX/XXXX, my balance on my statement that was sent from my credit card company to experian should be XXXX XXXX but they have it reported as XXXX which is 97 % of the cards limit. I have sent experian a copy of my statement that gets sent out by the XXXX  XXXX  every month on the XXXX and it has not been changed to XXXX which is what the credit company reported on XX/XX/2020 to experian. Please reflect the correct statement balance, i will attach a copy of XX/XX/2020 statement to this complaint of account XXXX 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 non-monetary relief
Consumer complaint received 2020-12-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capio Partners, LLC
State: NJ

Complaint narrative:
On XX/XX/2020, I discovered some accounts on my credit report that did not belong to me, that happened right after I pulled my report. I do not know how, but the accounts were there. On XX/XX/2020, I started my journey of removing accounts that were not mine on my credit report, little by little the accounts are coming off, unfortunately, on XX/XX/2020, I pulled my updated credit report and found out a new collection on it with two different account numbers that I did not recognize, not knowing what to do, I searched on XXXX how and where I could do a complaint to accelerate the process of fixing this Issue that at this point I think is an issue with Identity Theft. The TWO accounts with ASSETCARELLC/CAPIOPART that are not mine and they are on my XXXX and XXXX credit report, alleged account # : XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: GA

Complaint narrative:
On XX/XX/2020 I wrote to Specialized Loan Servicing ( Servicer ), the Bureau of Consumer Financial Protection, and the Federal Trade Commission, Equal Credit Opportunity to say that the escrow account reflects a fraudulent amount. The property 's insurer information is being withheld from true notation. Foremost Insurance is the insurance provider and Specialized Loan Servicing has been billing me every month since before XX/XX/2020 for Hazard and Fire Insurance in the amount of {$3100.00}. Cumulatively this amounts to a fee of {$1100.00} added to my monthly mortgage every month. This amount is more than 100 % of my standard monthly payment. When I requested an escrow analysis statement of said account I received on XX/XX/XXXX a letter from Specialized with the wrong property address. The entire document is thus invalid. I have since received nothing correcting the previous document. My recent call to the servicer was with a belligerent agent who would not access my previous records or analysis statements, nor was I allowed to request a call back with a supervisor before I was rudely rushed on the phone by being out on hold ; XXXX in XXXX, Arizona. Poor show.

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 2020-12-24 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I am writing to JPMCB CARD SERVICES agency because I am having difficulties with buying a house and applying for new credit cards. I paid the charge-off/collection and do not owe anything, but the mark in my credit reports prevents me from achieving the desired results. I am kindly requesting JPMCB CARD SERVICES agency to remove this charge-off/collection from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Checking and Savings account closed sometime ago. Just received a notification that checking was charged off for a {$130.00} that was XXXX out over a month ago as I was informed. the savings account never received a deposit of any kind and was supposed to be closed shortly after opening

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
On XX/XX/2020, I discovered some accounts on my credit report that did not belong to me, that happened right after I pulled my report. I do not know how, but the accounts were there. On XX/XX/2020, I started my journey of removing accounts that were not mine on my credit report, little by little the accounts are coming off, unfortunately, I am still getting in the mail collection letters regarding accounts that are removed from my credit report. Sometime between XX/XX/XXXX and XXXX, 2020, I received XXXX collection letters dated XX/XX/2020 ( same date on both ), trying to collect on the same alleged account with LVNV FUNDING LLC, the name of the XXXX collections are RESURGENT, CAPITAL SERVICES and XXXX XXXX XXXX XXXX, XXXX, the account that they are trying to collect on is part an issue with Identity Theft. By the way, can XXXX parties collect on an account at the very same time? ... Well, I am reaching the CFPB to do a complaint and accelerate the process of fixing this Issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Chime Financial Inc
State: GA

Complaint narrative:
On XX/XX/2020 at XXXX XXXX  the person name XXXX XXXX transferred XXXX dollars out of my chime account. I contacted chime and told them about it I even did a dispute they emailed me days later saying they didn't find any errors and I couldn't get my money back. I feel that was unfair to me cause I would never send anyone that kind of money that I don't know.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND I CAME ACROSS SOME ACCOUNTS AND INQUIRIES THAT WAS REPORTING ON MY CREDIT THAT DOES NOT BELONG TO ME. THE ACCOUNTS AND INQUIRIES HAVE NO CONNECTION WITH ANY TRANSACTIONS THAT WAS MADE BY ME. I WOULD LIKE FOR THIS MATTER TO BE RESOLVED AS SOON AS POSSIBLE BECAUSE THIS SITUATION HAS CAUSED A VERY BAD LOOK ON MY CREDIT FILE.

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 2020-12-24 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

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 2020-12-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: MoneyLion Inc.
State: NJ

Complaint narrative:
XX/XX/XXXX I received an unsolicited Debit Card issued by XXXX/MoneyLion XX/XX/XXXX I used the online chat system from the website and ultimately called customer service to ask why the card was sent. The representatives asked for every possible piece of personal identification, from Social Security number to date of birth, all contact information from address to email and phone. Then they confirmed 2 accounts were opened using my information BUT they refused to give me any information on how they were opened, when, or by whom. They insisted that I would have to submit an affidavit to their fraud department in order to open an investigation and that it would be mailed to me. Then before I could request any additional information they said a hasty goodbye and hung up on me. 

**The phone number in the letter they sent with the card was a non-working number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

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 2020-12-24 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

Company response to consumer: Closed with explanation