vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-31 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Grant Mercantile Agency
State: CA

Complaint narrative:
Ive tried contacted the original creditor in regards to the debt. The phone number has been disconnected and they have not provided an updated contact number. I was finally able to get a contact number and they told me the account was collections. I called today XXXX Monday, XX/XX/2020 at XXXX ) and the call was being recorded. I spoke with a representative that said the balance given to them was {$51.00} I was told the original balance was {$50.00} and explained to her I could pay the {$50.00} after going back and forth. The call was being recorded and she told me that if I paid the {$51.00} the balance would be paid in full. I refused to pay and called the original creditors back for the exact amount in which they informed me of the {$51.00}. I called back at XXXX and the same representative answered the phone and I asked to speak with a manager. She  transferred the call to ( XXXX ) who claimed to be a manager. She then stated she was refusing to accept the {$51.00} as a paid in full balance. I told her the representative prior to her had given me the amount of {$51.00} to be paid in full. She declined and refused to hear me out. I told her the calls were being recorded and that I wanted someone of higher authority to listen to the recording of the previous conversation. She said she had been there the whole time rang both conversations and she knew what her representative had said. She said she was the highest form of authority and to call back in 5 minutes so she could listen. I called back at XXXX and XXXX got on the line Claiming to have listened she said that the representative had only told me the amount of {$51.00} to tell me whats as sent to them. I would like for someone to get a copy of the recorded conversations as proof of the conversation. I know what I was told and she refused to let me hear the recording. Over a recorded call I paid the balance of {$51.00} in which I told would bring the balance to paid in full via phone with my credit card. Authorizing only the amount of {$51.00} to be deducted from my account through a one time payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Io, Inc.
State: MN

Complaint narrative:
Receivable Management Systems is assigned to handle my medical debts that I am not aware of. I tried to reach RMS via certified mail, but I never got their responses. They have multiple addresses. I have requested them to submit me a verification letter saying I owe two medical debts which I never have received any responses. Then, I have submitted them to delete my medical debts since that they have broken the HIPPA agreement as they did not responded back. The medical debts have been increasing over time while I tried to dispute with them. 

First medical debt : Original debt is {$350.00}, then now it is {$680.00} Second medical debt : Original debt is {$160.00}, now it is {$210.00} Those debts are for XXXX XXXX. I have disputed online that I am not aware about the second medical debt because I dont have XXXX  XXXX in Minnesota when RMS created in XX/XX/2020. It may be a false account to take more money. RMS also have charged me a few dollars every other week to drop my credit points long enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Hi, On XX/XX/XXXX Capital One has cut my limit from {$5000.00} to {$1500.00} just because I started using the credit card again. 
Their justifications for their action on the letter that they sent me ( See attached ) does not make one bit of sense and I feel extremely insulted. I have/always had excellent credit. I never missed a payment on this or any other card/loan, I have ZERO derogatory marks on my credit report, my FICO credit score is XXXX and my utilization ratio has been less than five percent consistently over the past 7 years. Basically I have been one of the most creditworthy people in the entire country.

Because of my job I used to travel a lot and used my airline credit cards for mileage points but since the pandemic which I basically work from home via XXXX  I have no use for those flying points so I decided to use my Capital one card again for cash back but as soon as I did, Capital one has cut my limit significantly. 

If they point to the lack of usage, I say that the situation has been like this for quite a long time ( I have been with them for almost 7 years ). 
The truth is that the only justification is direct XXXX  on Capital One part. It obviously shows that Capital One Bank USA NA racially profiles its customers and puts them in different categories based on race.

I am a high income, extremely low risk customer but this horrendous treatment from Capital One unfortunately proves that there are other factors in play. 
I wholeheartedly demand that you take action against them because enough is enough with this systemic XXXX. 



Best Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 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: MI

Complaint narrative:
XXXX XXXX is listed twice. Same account different dates, past due etc. Ive tried MULTIPLE times with XXXX. They wont even allow me to submit the dispute.

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 2020-08-31 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: MI

Complaint narrative:
XXXX XXXX is listed twice. Same account different dates, past due etc. Ive tried MULTIPLE times with XXXX. They wont even allow me to submit the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: MN

Complaint narrative:
Me and my mother pay for the mortgage, her {$550.00} makes to the company and they count the payment. My payment of {$550.00} however makes it 1-3 days before the due date, they do not count this to the amount owed ( {$970.00} monthly ) and instead says it is extra principle. I now have an extra late fee of {$38.00} that was charged to my account for the last 3 months ( due dates of XX/XX/2020, XX/XX/2020, XX/XX/2020 ) and now my amount owed is XXXX. 
The last time we contacted them about this the first time it happened they refused to refund 1 of the 2 late fees. 
Being that this issue is repeating and that they will refuse to refund all but 1 late fee i'm making this complaint.

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 2020-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
To Whom It May Concern : The reason for my dispute is the following accounts : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX   XXXX  # XXXX, XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX & XXXX # XXXX XXXX I am unable to locate documentation that they complied with these requirements, which is a violation of the FCRA & FDCPA 609,623,611, Section 807 ( 11 ) & FDCPA 809. Under Sec. 809,  they failed to send me my initial communication before placing these alleged items on my credit reports ; further violating the FCRA, these above-mentioned companies are held liable as well for defamation and in the state of OHIO. I fail to see where any of these companies are in compliance with OHIO LAW. I also have reported these accounts to the FTC and XXXX Police Dept. I  need these miscellaneous accounts to be removed from 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 2020-08-31 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: CA

Complaint narrative:
I JUST SAW NEW ACCOUNTS REPORTING ON MY CREDIT FILE THAT I BELIEVE ARE LINKED TO MY IDENTITY THEFT CASE.

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 2020-08-31 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: CA

Complaint narrative:
I JUST SAW NEW ACCOUNTS REPORTING ON MY CREDIT FILE THAT I BELIEVE ARE LINKED TO MY IDENTITY THEFT CASE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 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:
I JUST SAW NEW ACCOUNTS REPORTING ON MY CREDIT FILE THAT I BELIEVE ARE LINKED TO MY IDENTITY THEFT CASE.

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 2020-08-31 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: MA

Complaint narrative:
Spoke to XXXX XXXX in reference to my account ... ..the account status is listed as derogatory with all 3 credit bureaus. Agent states that it's up to the credit bureau to change the rating. I am requesting that the account status be changed from derogatory to paid. As XXXX XXXX Agent advised me to do

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 2020-08-31 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc.
State: SC

Complaint narrative:
I sent money through the Remitly app. And it was the wrong person. I called Remitly and filed a complaint. Remitlys customer service stated there was nothing they could do since the money had been deposited to the wrong persons account. I feel discouraged with Remitly since it seems they are not trying to do anything to help me out.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I have not been able to retrieve earned Visa Cash Rewards from a Capital One Visa Account prior to closing the account. Following is the text of my last written correspondence. On XX/XX/2020 Capital One responded requesting the same failed actions and did not yet provide a secure means to submit the information. 

" XX/XX/2020 Letter to Capital One Re : Credit Card Fraud Case XXXX To Whom It May Concern : Late XX/XX/2020 I was notified that a transaction on my Quicksilver Account was flagged as fraudulent. It was not. I was told that, to prove my identify and unrestrict my card, I must use my phone to transmit an image of my drivers license. 

I declined to do so due to security concerns and requested a secure computer link to transmit that image. For reasons you have yet to explain, you could not provide such a link to either of my email accounts. After several frustrating phone conversations, I cut the card up and quickly acquired a comparable travel card from XXXX XXXX XXXX. 

On XX/XX/2020 I mailed a copy of my drivers license to the address provided in XXXX. I received a response that they could not scan the bar code on the printed copy. The same conversations ensued and again no seure computer link or other satisfactory option to resolve this. 

... I only want the {$58.00} you owe in cash rewards so I may close the account. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 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: AR

Complaint narrative:
My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. i got online and made an account with XXXX XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. XXXX  XXXX {$1700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
To Whom It May Concern : On XX/XX/2020, XXXX, XXXX, and Experian are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. 

FOR XXXX 1. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
2. Validate Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 
3. Validate Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 
4. Validate Account XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
5. Validate Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 
6. Validate Account XXXX XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 
7. HIPPA VIOLATION REMOVE Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 8. HIPPA VIOLATION REMOVE Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 9.  Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
10. Validate Account XXXX XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 

FOR Experian 1. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
2. Validate Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 
3. Validate Account XXXX  XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 
4. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
5. Validate Account XXXX  XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 

FOR XXXX 1. Validate Account BK OF MO Account Number : XXXX Please investigate and delete from my credit report. 
2. Validate Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 
3. Validate Account XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
4. Validate Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 
5. Validate Account XXXX  XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report.

6. Validate Account XXXX Account Number : XXXX Please investigate and delete from 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 2020-08-31 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:
WHEN COVID-19 MY MORTAGE SIGN ME UP WITH A LOAN REPAYMENT PLAN NOW THEY REPORTTING ME TO ALL 3 CREDIT OFFICE THIS HURT MY REPORT. THEY SAID I MISS XXXX XXXX XXXX. THANK YOU VERY MUCH

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 2020-08-31 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:
WHEN COVID-19 MY MORTAGE SIGN ME UP WITH A LOAN REPAYMENT PLAN NOW THEY REPORTTING ME TO ALL 3 CREDIT OFFICE THIS HURT MY REPORT. THEY SAID I MISS XXXX XXXX XXXX. THANK YOU VERY MUCH

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 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: TX

Complaint narrative:
WHEN COVID-19 MY MORTAGE SIGN ME UP WITH A LOAN REPAYMENT PLAN NOW THEY REPORTTING ME TO ALL 3 CREDIT OFFICE THIS HURT MY REPORT. THEY SAID I MISS XXXX XXXX XXXX. THANK YOU VERY MUCH

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 2020-08-31 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: AR

Complaint narrative:
My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. i got online and made an account with XXXX XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. XXXX XXXX {$1700.00}

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 2020-08-31 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: AR

Complaint narrative:
My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. i got online and made an account with XXXX XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. XXXX  XXXX {$1700.00}

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 2020-08-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I sent letters over 60 days ago to this bureau and they are disregarding a regular consumer disputes. I'm highly upset and have been sending letters before this with no response. They are clearly breaking the law and do not care to abide by it.

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 2020-08-31 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: AR

Complaint narrative:
For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts that have been open or are open. Please remove these accounts from my report as soon as possible. They do not belong to me. XXXX XXXX {$15000.00} XXXX  XXXX  XXXX {$130.00} CHAPTER XXXX BANKRUPTCY DISMISSED {$0.00}

Company response to consumer: Closed with explanation