vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
So a couple things wrong. The credit card company is capital one, who XXXX credit funding claimed they reached out to. I had reached out to XXXX XXXX XXXX because I had paid off a debt of two separate credit cards around the same time. I reached out to them when I saw that they were attempting to re-report a debt that I had paid. When I reached a settlement deal with the debt collection both credit cards were updated on my credit report as settled and had a balance of XXXX for about 1 year and a half after. Fast forward to recently and I had called them to dispute and they eventually sent a letter saying that the debt was valid. It doesnt make sense that the debt was cleared from my credit when I paid both debts off and they come back and say that I owe them a {$3000.00} debt again. So they re-reported it on my credit report and put an update to my balance that went from {$0.00} ( settled ) to a now balance of XXXX. The second problem is that the report is now showing that the debt was made in XXXX when originally everything was back closed and settled in XX/XX/XXXX which is what originally was on my credit report and it was opened in XXXX XXXX. I would like this removed from my credit report because both accounts were settled just for them to come back and say I owe {$3000.00} all over again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 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: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I have contacted XXXX XXXX XXXX XXXX and the credit bureaus multiple times about this fraudulent account Opened XXXX XXXX, 2016 with a Balance of {$1300.00}. Other than been fraudulent, the bank is still reporting a balance of {$1300.00} after they charge off the account years ago. The way they are repotting this balance is raising my credit utilization. This double error has prevent me from getting necessary financing for my family.

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 2021-10-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: FL

Complaint narrative:
my mortgage is with Flagstar Bank. I have tried for months to work with this company to resolve the forbearance issue and make payments. This company has denied the loan modification request, backlog my forbearance amount the end of the loan, refused to provide any help so I don't lose my home.

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 2021-10-22 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
I received a western union XXXX  card to my home. That I never ordered. How did someone know ( my ex wife ) XXXX XXXX XXXX. My name XXXX and last my home address and my email? Well this time I decided to activate the card. Last time another card was sent from XXXX. ( Threw it away ) but this time I kept all evidence. So I decided to activate the prepaid card? So I put my SSN and my phone number. Then I send XXXX XXXX ( My ex ) a card. So I send the card to XXXX XXXX XXXX at XXXX XXXX XXXX XXXX  la. And I received a HATE EMAIL from western union XXXX. WITH ALL CAPS. But when I first fired my complaint with western union XXXX  i received a email brushing me off. THE DISCRIMANTED AGAINST MY XXXX. But not when I sent her the card. I received a hate email discriminated me against my XXXX? Why is my ex have so much hate for me? Turns everyone against me. After I was wrongfully convinced in 2014 of XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 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: FL

Complaint narrative:
A company called XXXX XXXX, not sure what state that is in said in XXXX I took out a loan for {$250.00}. I never did. A year later a woman was arrested for the crime here where I have lived the last 8 years. I had no idea the money was my responsibility. She served 9 months for fraud. A company called NCA kept calling me ; so I said I would just pay it so it is not a hassle later or shows on my credit report. XXXX is the only agency I see it show up on. They have never provided me with any proof where this was taken out or what date or even an ID showing it to be allegedly me. I have ZERO collections on my accounts. I do not owe any money on past accounts. This will not go away. I want to buy a house but the possibility of this coming off my record, maybe be somewhere else : not 100 % sure ; puts the year at XXXX for a fraudulent {$250.00}!! Please help. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
There was a credit card opened fraudulently with my identity in 2019 in BARCLAYS BANK DELAWARE and was used beyond the limit. There was no payment made towards it. 

Currently it shows against my name with missed payments for the last 2 years or so and had taken a heavy toll on my credit score. 

As a result my auto loan APR went to high, I am not able to get any new credit line from any financial institution. I am facing a heavy financial turmoil and difficulties due to this. 

I had tried to dispute the same through credit bureaus [ XXXX & XXXX ] several times in the past few months. But everytime the bank rejects saying that its a valid account. 

I confirm again this account was not opened or used by me at all. 

Please help me out. Thanks in advance.

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 2021-10-22 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: TN

Complaint narrative:
Collector : XXXX XXXX XXXX  Account Number : XXXX Balance : {$500.00} Collector : XXXX XXXX XXXX  Account Number : XXXX Balance : {$1200.00} Collector : XXXX XXXX XXXX Account Number : XXXX Balance : {$950.00} Collector : XXXX & XXXX Account Number : XXXX Balance : {$220.00} Collector : XXXX XXXX XXXX Account Number : XXXX and XXXX Balance : {$3900.00} and {$6100.00} This is a formal complaint against the three credit bureaus ( XXXX, XXXX, and TransUnion ). I'm on my fourth dispute letter and I have not received any updates or changes to my credit report. I have pulled my credit report again today and all I see on these accounts I have mentioned above are inconsistent and incorrect information being reported such as the date of last activity reporting on different months which is troubling to me. There can't be three separate payments made on a single account for sure.. It's either the account is verified through multiple sources or creditors which is impossible and not acceptable or the bureaus did not do their job of conducting a reasonable investigation and reaching out to the original creditors of the account to validate the reporting. 

I have attached copies of the letters I have sent to the credit bureaus and collectors as your reference.

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 2021-10-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: MA

Complaint narrative:
When I examined my credit report I learned that Credence Resource Management had submitted information that I owed a debt of {$260.00}. I called XXXX credit Bureau to get more information. They gave me the name of the company and the phone number. I called Credence Resource Management to dispute the bill which indicated that an XXXX XXXX XXXX mobile account had been opened in South Carolina. I explained that I had never lived in South Carolina. They promised to send me a kit to help me clear up the discrepancies. I have not received the kit. This was ten days ago. Meanwhile, I submitted documentation to XXXX to show my real address for the past three decades. XXXX removed the bogus address from my credit report. I called XXXX XXXX XXXX and they opened a fraud investigation case on the complaint. However, the charge still remains on my credit file. My credit report also showed that someone was attempting to apply for credit cards using my information. This led me to conclude that I have been the victim of identity theft. I froze my credit reports on all three credit bureau sites and contacted the credit card companies to let them know that I had not changed my address and that I had not applied for any credit cards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-22 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:
I noticed fraudulent and inaccurate information on my report. Please delete and update 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 2021-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There was a credit card opened fraudulently with my identity in 2019 in XXXX BANK DELAWARE and was used beyond the limit. There was no payment made towards it. 

Currently it shows against my name with missed payments for the last 2 years or so and had taken a heavy toll on my credit score. 

As a result my auto loan APR went to high, I am not able to get any new credit line from any financial institution. I am facing a heavy financial turmoil and difficulties due to this. 

I had tried to dispute the same through credit bureaus [ Transunion & XXXX ] several times in the past few months. But everytime the bank rejects saying that its a valid account. 

I confirm again this account was not opened or used by me at all. 

Please help me out. Thanks in advance.

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 2021-10-22 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: TRUSTMARK CORPORATION
State: TX

Complaint narrative:
I was selling my car back in XX/XX/2019. I got contacted by a party and they sent me a check of XXXX $ to book the car since they were travelling from XXXX  to XXXX  and wanted the car. I deposited the same in my XXXX  XXXX XXXX account. 

In a couple of days i was approached again and was informed due to some personal set backs they cant make the trip at that time. I was offered to keep XXXX $ token money back and return the remaining XXXX XXXX 

Hearing to the set back story I decided to do the same. Once that transfer was done, the next day check bounced and i was charged for over draft as well along with the XXXX gone from my account. 

The mobile number which i was contacted from and have the entire chat along with check pic was XXXX XXXX Kindly help me with this. Thanks in advance.

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 2021-10-22 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: PA

Complaint narrative:
I noticed fraudulent and inaccurate information on my report. Please delete and update my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: U.S. BANCORP
State: PA

Complaint narrative:
On XX/XX/XXXX i went into XXXX  XXXX  XXXX XXXXXXXX ,ny around XXXX XXXX .i went to with draw frow us bank relia card with bank numbers starting with XXXX ending with XXXX custumer id # XXXX. I asked for XXXX they deucted the money off my bank card i never got it. XXXX XXXX. Told me they were going to put the money back on my card of XXXX and XXXX. From XXXX XXXX. I ask that to be refunded to my us bank relia card of bank card number XXXX XXXX XXXX XXXX XXXX was the bank teller at XXXX XXXX. Transaction number cid # XXXX. i need alll this to be refunded to 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 monetary relief
Consumer complaint received 2021-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX  card inquiries reflected on my credit reports ( Experian and XXXX ) twice on XX/XX/21 and XX/XX/21. 

XXXX  inquiries reflected on my credit reports ( Experian and XXXX ) three times on XX/XX/21, XX/XX/21 and XX/XX/21

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 2021-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX  card inquiries reflected on my credit reports ( XXXX and Equifax ) twice on XX/XX/21 and XX/XX/21. 

XXXX  inquiries reflected on my credit reports ( XXXX and Equifax ) three times on XX/XX/21, XX/XX/21 and XX/XX/21

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: CREDIT ACCEPTANCE CORPORATION
State: WI

Complaint narrative:
I financed a vehicle first time financing! I received a vehicle with high mileage and Im also paying more then what the vehicle is worth! I was told after a year of having the vehicle I could upgrade, my credit score even went up and still no one could help me! Now Im stuck with a vehicle with high mileage and the value is low! It almost will be 2 days years ongoing! The car lot is XXXX county located XXXX  wis!

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 2021-10-22 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO

Complaint narrative:
Wakefield & Associates served me papers with an email to respond to for collection of medical bills. i responded letting them know that I was affected by a federal disaster during covid. Colorado had issues with unemployment and I was one of the thousands affected. My XXXX was shut down by the state for 4 months, I still am waiting on my unemployment that has been approved but due to technical issues with the state can not be paid out yet. I lost my home and moved in with relatives. I recently went back to work full time a month ago. They are saying they never received my response and I have email proof and are trying to garnish 20 % of my paycheck when Colorado passed a bill HB19-1089 exemption from garnishment medical debt : if a persons income does not exceed 400 % of poverty guidelines they are not allowed to garnish. Bill became effiective XX/XX/XXXX. Here is the Bill : XXXX XXXX XXXXXXXX I only made XXXX as a XXXX and that varies bc I am commision. 
The XXXX Federal Poverty Level in colorado for an individual is {$16000.00} in yearly income. 

Federal poverty level calculator off of my last check of {$1600.00} shows me at 323.03 % XXXX XXXX XXXX 

I am definitely exempt from medical garnishment from all of this data. 

If they garnish 20 % I will not have my rent and I just went back to work full time after covid federal disaster.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Waypoint Resource Group, LLC
State: MD

Complaint narrative:
I received an alert that a collection account was placed on my credit report. Waypoint Resource Group violated 15 USC 1692g and Fair Debt Collection Act section 809 ( a ) ( b ) by not giving me the right to dispute this information. I NEVER received any communication regarding this alleged debt. I was notified of this alleged debt via an alert from my credit report monitoring service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
In the height of the Covid-19 pandemic between XXXX to XXXX, XXXX. I was hesitant, but was assured it was best time to do so, because I was protected by care act for credit cards companies and consumer, I hesitantly consulted a credit/Debt consolidation company from a random mail that was sent to my home. After I paid the fees for their services, I was instructed by the consolidation company to send my payments to them, and NOT pay my credit card bills to my creditors, and was told that consolidation company legal team would take care payments, and if I received any phone call from the creditors give them the company 's legal team contact information. I did not feel comfortable with strategy or approach .It just did not feel right in my soul so I decided cancelled the consolidation company services, by this time American Express the only 1 of my credit cards companies demanded all three ( 3 ) payments immediately of which I complied, shortly after I received a cancellation letter. I called American Express see if my account could be reopen by explaining what had happened and if the information I received was accurate. I am still not sure if my account was unlawfully closed by American Express in the middle of the Covid-19 pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: OH

Complaint narrative:
I initially began my student loan repayment with XXXX utilizing their direct payment option. My loans were transferred to FedLoan in XXXX. I contacted Fedloan in XXXX of XXXX to request a recount of my eligible loans. No updates were given and no changes were made to my account. I again contacted Fedloan in XXXX of XXXX, no updates were given and no changes were made. I called Fedloan in XX/XX/XXXX and was told there was no person I could speak with as this is a separate department, and that I would need to wait upwards of a year and that I will be contacted when the review is complete. I was never contacted, so I submitted a complaint to the ombudsman in XXXX of XXXX. This issue remains unresolved. 

Per The Ombudsman I have a review open for the payment periods of XX/XX/XXXX to XX/XX/XXXX. As part of direct payment plan with XXXX ( as this supporting documentation will show ), I completed payments in the amount due, on time, in full from XX/XX/XXXX until XX/XX/XXXX when my loans were moved to Fedloan. From that point forward I have paid my loans with direct payment plan from Fedloan in the amount due, on time, and in full until the administrative forbearance imposed by the federal government due to COVID.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-22 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: GA

Complaint narrative:
I, XXXX XXXX XXXX, fully authorize this investigation. I am a victim of Identity Theft & I have attached my FTC Identity Theft report. Please see the attached information and remove all the corresponding unauthorized information promptly within 4 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
My account with capital one is too old to stay on credit report and they are taking advantage of dates to keep it on my report longer than 7 years.

Company response to consumer: Closed with explanation