vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-05 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: NY

Complaint narrative:
A credit was issued to my Credit Card by XXXX for a subscription, I cancelled. To give a little background information, on XX/XX/2020 I tried a trial offer for XXXX XXXX XXXX. However, I cancelled it on the same day. When I contacted XXXX, they said that I was responsible because of a previous trial I accepted in the past. Thus, {$64.00} was charged to my Capital One Account on XX/XX/2020 and I paid that amount. However, on XX/XX/2020, I was charged again for {$64.00}. I wrote an email to XXXX and spoke with Capital One regarding this matter. XXXX responded to my email stating that an credit had been issued to my Capital One account. Capital One told me that I would not be charged by this merchant again in the future. When I saw the amount on my XX/XX/2020 and XX/XX/2020 statements, I called Capital One ; they said that the charge was not fraud and that they never received a credit from XXXX regarding the XX/XX/2020 charge and that I am responsible to pay the amount. On XX/XX/2020, I spoke with a manager at Capital One and he said that I was responsible for the bill and there was nothing that Capital One could do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-05 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: AES/PHEAA
State: DE

Complaint narrative:
Ive filled out a dispute in regard to incorrect items on my credit report. Its been over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
Ive filled out a dispute in regard to incorrect items on my credit report. Its been over 30 days and I havent received any investigation results.

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 2021-01-05 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: AMERICAN NEIGHBORHOOD MORTGAGE
State: DE

Complaint narrative:
Ive filled out a dispute in regard to incorrect items on my credit report. Its been over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 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: IL

Complaint narrative:
I disputed an accounts reported by your company in the file you maintain under my Social Security number.I was informed on 60 days ago that the item was deleted from my credit report XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX, XXXX, XXXX XXXX, XXXX/XXXX, XXXX/XXXX, XXXX XXXX XXXX, XXXX  XXXX/XXXX Now I have discovered that the items has been reinserted on my credit report. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.

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 2021-01-05 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: IL

Complaint narrative:
I disputed an accounts reported by your company in the file you maintain under my Social Security number.I was informed on 60 days ago that the item was deleted from my credit report XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX/XXXX, XXXX, XXXX XXXX, XXXX/XXXX, XXXX/XXXX, XXXX XXXX XXXX, XXXX XXXX/XXXX Now I have discovered that the items has been reinserted on my credit report. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.

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 2021-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I believe chase bank manipulated overdraft charges to stop me from being able to withdraw my stimulus check. Chase bank allowed roughly {$1300.00} in overdraft transactions on my account. Chase then only allowed {$57.00} to be covered by their " stimulus overdraft coverage forgiveness ''. Holding back charges that came in before the stimulus check arrived leaving my account in the negative and not allowing me access to the stimulus funds. Chase then allowed another roughly {$600.00} in overdraft transactions. I believe chase bank was misleading with there " pledge '' to help out Americans with the stimulus. I believe chase to be grossly negligent in their handling of their customers money by allowing over {$1300.00} in transactions when there are insufficient funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that? Wasn't Navient sued by Cfpb before for not applying payments to consumers accounts correctly?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 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: TRUIST FINANCIAL CORPORATION
State: DE

Complaint narrative:
Ive filled out a dispute in regard to incorrect items on my credit report. Its been over 30 days and I havent received any investigation results.

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 2021-01-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RS Clark and Associates, Inc.
State: TX

Complaint narrative:
I sent a debt validation letter for a medical account via certified mail ( XX/XX/2020 ) requesting : 1. A copy of their bond and license to collect in TX 2. A copy of the agreement authorizing authorizing the company to collect the debt 3. An accounting statement of the amount owed 4. A copy of an agreement with my signature confirming acceptance of the debt 5. The name and address of the original creditor. I did not receive any of the requested information. I received a copy of a demographic information printout. The printout had " RSC {$1700.00} '' handwritten on it. I sent a reply via certified mail ( XX/XX/2020 ) stating my request was not fulfilled and none of the information from my request was provided. I received a reply basically stating that was verification and they wouldn't provide any additional information. They have since marked this account as closed and are still reporting it to the credit bureaus. I have attached a copy of the letters sent and the response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CarMax, Inc.
State: CA

Complaint narrative:
My credit was illegally ran by CarMax at about XXXX pst without my permission on XX/XX/21. I asked if my credit was being ran and I was told NO. This is criminal and illegal. It happened with XXXX in the CarMax XXXX Cust Srv Call Center on XX/XX/21. I found out only because I receive real time alerts on my phone from XXXX. I only called in to CarMax to schedule a test drive. When I realized my credit was ran AND no test drive would be set up, I asked to speak to a manager. I was transferred to the XXXX CarMax location to XXXX, a sales manager. 

I spoke to XXXX, the sales manager at the XXXX center, who was rude and not helpful! My credit has been ran multiple times through multiple banks due to this even though I ALREADY HAD A PRE APPROVAL FROM MY BANK! I was told I was being set up for a test drive while all the while CarMax was collecting information to run my credit! 

Please pull the call center call records as proof! My credit score has been damaged by this. Unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA

Complaint narrative:
Hello to whom it may concern so as my transactions on my bank statement will show I was in XXXX XXXX for the XXXX XXXX  weekend ( XXXX XXXX XXXX ). In my current job we communicate through email so when I was checking my work agenda and notifications for the following Monday on Sunday night XXXX XX/XX/21 ) I saw various emails from XXXX XXXX, MoneyGram and XXXX. In those emails it states money had been sent to XXXX from my account which where 2 transactions at different ties from MoneyGram and 2 from XXXX. I was able to cancel any transactions made through XXXX thankfully through the merchant themselves. I called MoneyGram soon after to stop the transaction because it showed on my account as " Processing '' meaning it had not been fully taken so there was a chance at stopping it. When I called the company they first asked me if it was okay for them to record my conversation into which I agreed because it will save as evidence. The first associate who helped me got information from me, I continued to answer their security questions and followed all their steps to verify that it was indeed fraud. In the end of the call I asked him various times if he was going to be able to stop the transactions and put the money back in my account he guaranteed me he had stopped the transaction and I would be getting my money back. Again this was very late at night the conversation took place around XXXX  but I called my bank first thing in the morning when their customer service hours were open to make sure the refund was going in place and the associate told me that MoneyGram had not sent the money back so I called MoneyGram once more and the second associate goes through the same procedure to get the same information with recording as well but this time tells me that the refund is not possible. So I go on to tell him that the previous associate had told me otherwise and even stated in a recorded conversation that the refund was going to be made, all he does as I cry is tell me he is sorry I ask to speak to someone above him and he does not acknowledge it and now I have {$2300.00} that I had worked hard for to pay for my rent which was all my money unfortunately when the transaction is still pending at not even completed because MoneyGram did not want to stop the transaction and did not put the funds back into my account after agreeing to do so in a recorded conversation from their company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 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: GA

Complaint narrative:
Experian is reporting an account that was opened due to identity theft, i have filed an FTC report and i am still not getting help from experian with resolving this issue

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 2021-01-05 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:
The company is using this response as a stall tactic because they are unable to verify inaccurate information that they are reporting on my credit file. I demand that the items I disputed to be removed immediately because experian is in violation of the credit reporting act

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 2021-01-05 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 disputed an accounts reported by your company in the file you maintain under my Social Security number. I was informed on 60 days ago that the item was deleted from my credit report. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX, 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 have discovered that the item has been reinserted on my credit report. 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.I hereby demand that you immediately delete the negative items from my credit report in order to avoid legal action. I am submitting this complaint separately to the Attorney Generals Office, and the XXXX. 
Please govern yourself accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 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: TX

Complaint narrative:
I disputed an accounts reported by your company in the file you maintain under my Social Security number. I was informed on 60 days ago that the item was deleted from my credit report. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX  XXXX, XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX  / XXXX, XXXX XXXX XXXX, XXXX XXXX I have discovered that the item has been reinserted on my credit report. 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.I hereby demand that you immediately delete the negative items from my credit report in order to avoid legal action. I am submitting this complaint separately to the Attorney Generals Office, and the XXXX. 
Please govern yourself accordingly.

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 2021-01-05 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: Lewis, McDonnell & Associates
State: TX

Complaint narrative:
After my divorce in XXXX, my credit was ruined. I was able to bring it up to XXXX by XXXX. However, in XX/XX/XXXX a debt buyer, LEWIS MCDONNELL & ASSO, started reporting an unpaid account to the bureaus, which is not mine. It says the original creditor is XXXX XXXX XXXX, which I have never had an account with, and no longer exists from what I can tell. I've found websites and stories about XXXX XXXX XXXX  changing their name & /or being sold, which included the names of companies that I have had accounts with in the past ; XXXX  and XXXX  . I have contacted the two companies that I have had accounts with in the past to see if they are related to this XXXX XXXX XXXX  ( original ) creditor, and they are not. 
According to my credit report, LEWIS MCDONNELL & ASSO claims that the " Original loan amount '' is {$1600.00}, with a current balance of {$2300.00}, as of XX/XX/XXXX. It lists nothing about the Date of First Delinquency, the Date of Major Delinquency, or anything else. 
And according to XXXX, XXXX XXXX XXXX  charged off this account on XX/XX/XXXX. And LEWIS MCDONNELL & ASSO picked it up ( from who knows ) on XX/XX/XXXX. Also according to XXXX, once I disputed this account in XX/XX/XXXX, their investigation resulted in a " certified '' claim, which means that when asked for confirmation, LEWIS MCDONNELL & ASSO simply stated that they show this account in their records, which ultimately confirms the account exists. As explained to me by XXXX, when a dispute is initiated, all that means is, is that they inquire about the account, and if it appears in their system, it is considered legitimate. That said, you can dispute an account that does not belong to you, but the company that is reporting the claim simply has to confirm the account exists, rather than to confirm the owner of the credit report actually entered into an agreement with that company or not. This is wrong in every way. It is unethical, immoral, and downright criminal. 
So, as it sits, an account was opened 6+ years ago in my name with a company that no longer exists, and somehow a random debt buyer has the right to report false claims to my credit report and ruin my life without providing, much less having, any proof of a contract that I ever entered into to pay a debt of any kind. 
How is this even possible?? What are my rights? I can't make an untrue statement about an individual because it is considered slander. But some random company can report that I owe them money and have refused to pay it for years, and without repercussion? I demand, as an American citizen and taxpayer that this be overturned and resolved immediately. LEWIS MCDONNELL & ASSO must be required to provide a contract that proves that I agreed to pay a debt to them, as well as, defaulted on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CMRE Financial Services, Inc.
State: TX

Complaint narrative:
Sent debt validation via certified mail on XX/XX/2020. The company failed to validate the debt. Instead they sent a copy of my medical records. I know this is a violation of XXXX regulations. I never signed anything authorizing them to have access to these records.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: PENTAGON FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I applied with this company last week. 
The first problem they pulled my credit two times for one application. 
Second they told me I was approved, then told me I was declined, then told me I was approved and sent me an email stating the approval. Now tonight I find a car that fights the approval and I was told after leaving the dealership and placing my Deposit that Im declined. No one in this company has patience or give true and correct information. This is so frustrating and embarrassing. I need solid answers, not only that the apr changed.

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 2021-01-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp.
State: FL

Complaint narrative:
Ive been a victim of identity theft for many years somebody open this account Ive been trying to Talk to this company to remove this account because it was open with out my authorization with Thats an account from XXXX XXXX XXXX now its on collection And the steel done doing nothing A note on your XXXX XXXX XXXX ( current creditor of your original XXXX XXXX XXXX, XXXX. account ) account This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. 

Please read below for important disclosures.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: CA

Complaint narrative:
XXXX XXXX has Ignored my concerts and wont tell her manager or the CEO to contact me back. She continues to be rude and disregard my health.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 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: CITIBANK, N.A.
State: OR

Complaint narrative:
I was mailed a card I did not apy for the card came in my name asking for my social name phone and address when my husband received one too and did not apply he called Citi bank and they said we needed to report a fraud claim

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