vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Made several calls XX/XX/XXXX and XX/XX/XXXX that went no where to assist in removing the account. 
Couldn't get an actual person on the phone to describe my issues and assist. One person would route me to another number then that number would send me to another company but nothing can get resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 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: Convergent Resources, Inc.
State: NJ

Complaint narrative:
I have a debt that is showing on XXXX  and XXXX  and it has been mailed to my forwarding address. I have never done business with CONVERGENT OUTSOURCING INC, I contacted them they stated I needed to file a police report and make a complaint. I wanted to make my complaint to you because I only recieved mailed at that address for 1 month I had recently become a guest to America. I have proof and will be filing the police report with the 3 bureaus. 
XXXX XXXX XXXX XXXX. New jersey needs to be removed was a address issued to send paperwork never ordered Bill 's there CONVERGENT OUTSOURCING INC never done business with them either XXXX XXXX XXXX I cancelled my policy with the insurance and they still charge me when I left the company I didn't even use their services a month XXXX XXXX not my numbers inaccurate

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 2020-05-12 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 a 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 nine 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 {$1000.00} XXXX XXXXL XXXX {$1200.00} XXXX XXXX XXXX {$3200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
XX/XX/XXXX THRU XX/XX/XXXX I have made several attempts to these companies but never gotten to any person to assist.

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 2020-05-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
American Express just notified me that they are charging me a fee AFTER I already closed my credit card. I closed my Platinum card ending in XXXX on XX/XX/2020 with XXXX balance. Today, 9 days after the account is closed, I received a notice that they are debiting {$120.00} and {$75.00} for a total of {$200.00} on that account. The reason is that they are " offsetting '' a merchant credit that took place back on XX/XX/2020. 

It is unacceptable that American Express is charging an already closed credit card for something they claim they made an error for back in XXXX. Furthermore, if they had notified me of this issue before the card was closed, I could have used the opportunity to use the {$200.00} credit for something else. Instead, American Express waited until the card was closed to unilaterally make this charge, without my consent, and with a closed card there is nothing I can do about it. American Express is refusing to assist to resolve this unfair treatment that occurred due to their own error. Please help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint narrative:
On XX/XX/XXXX, I made an international transfer of US {$8200.00} to Capital One Bank, XXXX Texas in favor of : XXXX XXXX XXXX. 

This transfer is made through my bank : XXXXXXXX XXXX XXXX XXXX, XXXX ( XXXX ) to Capital One Bank ( XXXX Texas ). While the beneficiary confirmed receipt of the cash, for reasons I do not know he indicated to me that he did not have access to his bank account so I filed a return claim with my local bank in XX/XX/XXXX. XXXX XX/XX/XXXX I continue to follow up on the return with my Bank and only tell me that Capital One Bank has not made a refund for them. I request your support to make my return of the funds as soon as possible as almost 10 months have elapsed and I have not obtained them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 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 a 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 nine 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 {$1000.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$3200.00}

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 2020-05-12 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 a 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 nine 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 {$1000.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX  XXXX {$3200.00}

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 2020-05-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: PLANET HOME LENDING, LLC
State: TX

Complaint narrative:
We closed on a loan with agreed upon terms which included refund of escrow in the amount of {$3400.00}, no closing fees, two months deferred payments and lower monthly mortgage. 
Our previous complaint # XXXX. Planet home Lending applied amount to old loan payoff using a document from a previous loan application. My resolve would be a lender credit in the amount of {$3400.00} to cover escrow funds due to close this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 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: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
on my credit report under all 3 credit bureaus, its shows multiple entries for the same debt ... 
this debt is not even mine. 
called the collections companies and they state they show nothing for me but yet leaves it up to me to clear out of my credit reports. 

XXXX XXXX XXXX XXXX called XX/XX/2020 @ XXXX ** they have the following debt listed 2 times on my credit report- XXXX XXXX XXXX XXXX {$2200.00} Debt Recovery Solutions XXXX called XX/XX/2020 @ approx XXXX ** they have debt listed 1 time- XXXX XXXX XXXX   XXXX {$2200.00} I also called this " XXXX XXXX XXXX XXXX  '' @ XXXX on XX/XX/2020 @ XXXX and after review they DO NOT have anything listed for me as a debt, not sure why 3 entries to 2 different credit agencies would have this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I paid for a flight on XXXX XXXX on XX/XX/XXXX for XXXX 
Sometime after that I was contacted by Citi that my card may have some fraudulent charges. That I needed to replace the card. XXXX of the charges that THEY put in dispute was with XXXX. I received a notice that the charge was in dispute along with a new card. I told Citi that the charge was a legitimate charge and for them to correct the dispute. 

In XXXX I postponed the flight till May because of the Covid19 pandemic. XXXX later contacted me and cancelled the flight. When I called them to check to see if I was refunded the money, they said they had no record of the charge. 

In my XXXX statement, I had a charge on XX/XX/XXXX for the {$790.00}. I called XXXX and was told they reversed the charge back to " my bank '' on XX/XX/XXXX. When I called Citi I was directed to their security dept who said they had never received the money From XXXX  and that I had OK 'd the charge and insinuated that I was to blame. I made multiple calls to XXXX and spoke to at least 7 people at Citi. No one seems capable of tracking what has happened to the {$790.00} and I am unable to resolve the issue. 

I fault Citi for filing the dispute and for not being able to find out where the money has gone nor willing to make any further effort to track it. AND WHY SHOULD THEY! iT IS ON MY BILL AND I WILL HAVE TO PAY IT OR GET CHARGED PENALTIES AND/OR INTEREST!! AND I HAVE NOT RECEIVED ANY MERCHANDISE NOR SERVICE FOR THE CHARGE.

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 2020-05-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC.
State: CO

Complaint narrative:
I was a resident at the XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/2019 to XX/XX/2019 managed by XXXX XXXX XXXX. During my brief time here the property was in consist violations of local and state paste waste removal laws creating an unsanitary living condition. Per the terms of my lease the owner ( XXXX XXXX XXXX ) had the responsibility of keeping the property and premises in a sanitary condition or I could exercise a clause within the lease to terminate without any extra fees as long as I have the property reasonable time to resolve the issue and notified them in writing. I notified the property management of the excessive pet waste on multiple occasions and was never resolved within a reasonable time ( 2+ months ). Due to the lack of attention my maintenance staff and property management I decided to exercise the clause I stated above to terminate my lease. Due to the COVID-19 pandemic I provided them with both and email and mailed letter with my notice of intent to terminate. I also attempted to contact the leasing office on numerous occasions but only ever got to a voicemail and was never able to get any resolution with XXXX Corporate office directly. On XX/XX/XXXX ( due to the leasing office reducing in office hours ) I turned in all keys and moved out of the premises as stated. As the location never provided me a corrected bill with the prorated amount owed I provided them a notice in writing that any bill outlining cleaning charges and rent charges owed could be sent directly to my new address. Since that date I had not received any further communication from the property or any invoices for amounts owed. Instead today I got a letter from a collection company attempting to collect a amount owed that was never invoiced or agreed upon to myself. Based on my monthly rent the amount they are attempting to collect ( {$5300.00} ) is significantly more than any rent amounts owed or cleaning costs that could of occured.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX promotes paperless billing and provides an online and mobile app for customers to access payment information. 
XXXX XXXX online billing and payment history did not ( and still does not ) provide correct information regarding a payment on my account : Payment of {$410.00} made on XX/XX/XXXX for XX/XX/XXXX and XX/XX/XXXX statements. 
XXXX online billing and payment history shows XX/XX/XXXX payment of {$410.00} as a processed payment, provides a confirmation number, as well as a green check-mark, just as all other payments that have been made. This payment was actually returned due to NSF from my bank. I did not receive notice from XXXX XXXX. 

This misinformation led me to believe my account was up to date. In reality my account was past due from XX/XX/XXXX through XX/XX/XXXX, and two 30 day delinquent payments have been reported to credit agencies for months of XX/XX/XXXX and XX/XX/XXXX. It also caused continued late fees and interest to build on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 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:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 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: AR

Complaint narrative:
XXXX reporting of XXXX XXXX XXXX this account was paid to the original creditor XXXX XXXX 1. XXXX XXXX did not buy this debt so they did not own it 2. If they do not own it they should not be reporting anything about this debt.

3. arrangement was made with the original creditor and settled

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
I had a car loan with Santander and the car was repossessed in XXXX of 2015. I have requested several times to the company to have the original loan information along with all supporting documentation as far as what the car sold for and other information for my use to verify and resolve the debt but the company has not responded to any requests for the information. The information also keeps updating on my credit report to show that every month the payment was missed and is late which is negatively impacting my credit score. The company or credit bureaus have not responded to my requests to prove how the account was verified or sending the original documentation that I requested. I have been trying to get this matter resolved but Santander is not supplying the information to me irregardless of me mailing them several requests and it is unfair that they are able to update my credit report with late payments but not send me the information that I am requesting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc.
State: TX

Complaint narrative:
i pulled my credit on XXXX XXXX and to my surprise the collection item from CMRE Financial services has listed a collection for XXXX XXXXXXXX XXXX. for {$330.00}. I have no ideal what this is for and when i call they say they can not find any record of this under my name, social security # or date of birth. But said i had to figure it out because they can not remove or correct even tho they have it posted on my credit report ( s ) ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 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: TX

Complaint narrative:
I am aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within my Transunion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit

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 2020-05-12 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: CAINE & WEINER COMPANY, INC.
State: NJ

Complaint narrative:
I have a debt that is showing on XXXX  and XXXX  and it has been mailed to my forwarding address. I have never done business with XXXX  XXXX XXXX, I contacted them they stated I needed to file a police report and make a complaint. I wanted to make my complaint to you because I only recieved mailed at that address for 1 month I had recently become a guest to America. I have proof and will be filing the police report with the 3 bureaus. 
XXXX XXXX XXXX XXXX. New jersey needs to be removed was a address issued to send paperwork never ordered Bill 's there XXXX  XXXX XXXX never done business with them either Caine & wiener I cancelled my policy with the insurance and they still charge me when I left the company I didn't even use their services a month XXXX XXXX not my numbers inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 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: CO

Complaint narrative:
SOMEONE HAS OPEN SEVERAL ACCOUNTS USING MY SOCIAL SECURITY NUMBER AND ID NUMBER XXXX DID NOT OPEN THESE ACCOUNTS THE ACCOUNTS ARE FRAUD AND I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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