vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-30 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I signed up with XXXX for 4 online classes in XX/XX/XXXX. XXXX set me up with 2 loans through XXXX XXXX in XXXX XXXX for XXXX. I took and completed the first course, which cost XXXX. I then was diagnosed with XXXX XXXX XXXX. I called XXXX, told them of my diagnosis and how it changed my plans. I asked for a refund for the 3 courses I never started. They refused. I contacted XXXX XXXX. and told them I would pay them for the 1 course I had completed. I was told they had disbursed both loans to XXXX in XX/XX/XXXX and had to repay them whether or not I had started the courses. I then questioned XXXX why I couldn't get a refund on the 3 courses. they said I had 10 days after I started the first course to ask for a refund, even though the 2nd, 3rd, and 4th courses wouldn't begin for months. The first course lasted 8 months, the next 3 only last 4-6 weeks each. I feel this was extremely deceptive! I questioned why they disbursed the 2nd loan before I completed the first 2 courses on the first loan. The simple fact is XXXX recieved the XXXX and after 10 days I could not cancel. 
In XXXX I disputed the XXXX XXXX. account on my credit report. It was removed because the amount was incorrect. 2 months later it showed up again on my credit report again, but with a different name. XXXX XXXX. Which is XXXX XXXX. of XXXX XXXX. Same address, same phone #, same company, same account I had removed in XXXX. This account has been on my credit for 7 years 3 month.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: CA

Complaint narrative:
I contacted Receivables Performance Management ( RPM ) by phone regarding a XXXX debt on my credit report. The first mistake, the collector verified just my name, then begin to initiate collection efforts. I advise collector, shouldn't you ask more of my information to identify me and I asked her where is the mini maranda and are you collecting on a debt .She then began to verify authentic identification. Due to her unprofessional approach, I felt uncomfortable. So I asked to speak with an supervisor. She transferred me to another woman. When asked if she was a supervisor, she said she was not. At this point, I just wanted, what I am asking for. I advise the woman, I am unaware of this debt, and requested a validation letter along with an itemized statement sent U.S Mail. 

In addition, I've received a letter verifying the company. But have not received an itemized statement. In fact, it was a blank statement. ( Please review attachments ) .because of the unpleasant conversations, the failure to properly handle confidentiality of my personal information, and the unprofessional conduct. I am going nowhere with this company.

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 2020-07-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Child Support Recovery Services, Inc.
State: NY

Complaint narrative:
I paid the XXXX XXXX XXXX {$3300.00} on XX/XX/XXXX. They released me from my lease after this fee was paid. In XX/XX/XXXX, I started to receive many calls from XXXX XXXX of CSRS Inc. I refused to answer the telephone because the number was unknown. However, Mr. XXXX left voicemails and urged me to to contact him. So I called and informed him that I did pay the amount and he apologized and informed me that he would remove the charge off of my XXXXXXXX report which he did remove. However, he sent me another voicemail stating that I was not the original payer of the debt and that I could go to jail. He then began calling me again early mornings around XXXX to XXXX XXXX. He left another voicemail on XX/XX/XXXX stating that I was a fraud and that CSRS Inc. along with the XXXX XXXX were taking me to court. Afterward, he put the collection back on XXXX, and additionally to my XXXX report. I have provided both him and the credit bureau with my receipt dating back to XXXX and informed Mr. XXXX that my bank did not return the payment and that I never received any notice from XXXX XXXX XXXX about this matter. I also informed Mr. XXXX of CSRS Inc. that the XXXX XXXX XXXX have since rented out the apartment immediately after I moved out. Also, that I moved out of fear of my life due to exposing the company for not assisting me after my apartment was flooded, and the vandalizing and destruction of my car after complaining to the company about their staff mistreatment. Then, I changed my phone number to avoid further contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Phoenix Financial Services LLC
State: VA

Complaint narrative:
Repeated back to back calls within minutes of each other. Sometimes when they call they hang up before I can answer ( my phone rings maybe once ) and they call right back and do it again seconds later. When I called back they didnt identify themselves as Phoenix Financial Services. No profanity but the worker I spoke with was incredibly rude.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
CONTACTED : Current Mortgage company Mr. Cooper DATE : XX/XX/XXXX REGARDING : Mortgage payments not being reported to credit bureau for past 3 yrs and bankruptcy status not correct/updated. 
CONFLICT : Trying to re finance with a different lender and missing payment history effecting credit score and account incorrectly shows bankruptcy status. 

Telephoned Mr. cooper to inquire about this missing information/status on my credit report. They stated it was due to my loan not being reaffirmed when i had a discharge bankruptcy inXX/XX/XXXX. First ... My mortgage was not included in the bankruptcy. Secondly..they continued to report to the credit bureau after that discharge and up to XX/XX/XXXX, which is 17 yrs. But abruptly stopped then. 
They stated that although they are the same company, but changed names inXX/XX/XXXX, from Nation Star, their terms changed and that why they stopped reporting. Finally their only solution to this problem was to provide me only a proof of one year history of payments and or refinancing with them to continue reporting. 
This has turned out to be a very stressful situation when we have not only not included the loan in the bankruptcy that should have came off sinceXX/XX/XXXX!! 7 yrs later and have been current with our payments all along. My bankruptcy lawyer stated that it is not a obligation to file a reaffirmation during the bankruptcy and also why is this still effecting my credit when it has passed the 7 yrs and should already be removed. 
Thank you for your much appreciated assistance. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
The hospital must have made an error. Services were given for my adult son whom I haven't had contact with for about 4 years. The hospital listed me as a responsible party and I wasn't there to sign for that. When contacting progressive management systems they re demanding that I disclose my private information on the form of the divorce decree. I should have to spend my time or give up my privacy because of their error. Furthermore she demanded I send it but gave me no where to send it to. Furthermore they're sending noticed to an address I haven't lived in for a long time. Again violating my privacy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Navy Federal stayed reason for my denied was Excessive Credit Obligations in Relation to income And they stated my XXXX XXXX, and I just pulled my score and its XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: PA

Complaint narrative:
I disputed items I feel is not correct with LexisNexis in return the said the items was correct then I in return I asked them was there method of verification and refused to share that information with me. I then send out another letter asking for the method of verification on XX/XX/20 they received it on XX/XX/20 and have failed to respond which I feel is a violation of fcra

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/XXXX, I was looking for a job on XXXX XXXX  and wound up in a fraudulent check scam. I was a victim of A XXXX XXXX  scam where you apply for a job, give your info for contact purposes. This was in XX/XX/XXXX.Without my knowing I was sent a check.I was given instructions and check was deposited on XX/XX/XXXX for the amount of {$5500.00}. Check was issued from XXXX XXXX XXXX XXXX, XXXX in XXXX XXXX. Check turned out to be fraud and my account closed. 

Around XX/XX/XXXX to XXXX ( XXXX ), I sent 2 letters. One to Bank of America Research and  adjustments, XXXX XXXX XXXX, XXXX texas and the other same copy was sent to Bank of America Disputes office, in XXXX, florida. On XX/XX/XXXX, I filed a complaint with the Federal Trade Commision against XXXX, XXXX XXXX XXXX, because the check came from the them. The reference number is XXXX, you can do a foia request like I am doing now. 

In XX/XX/XXXX i tried to open an account at XXXX and found out I owed a balance. On XX/XX/XXXX when became aware of the XXXX balance it was paid. To this day i can not open an account to do basic banking. I did everything BOA asked me to and yet they will not remove the high risk assessment on XXXX. 

From XX/XX/XXXX I have made 2 complaints to XXXX  to investigate and they have done nothing but sided with the bank.In XX/XX/XXXX, I filed Consumer complaint with Illinois AG, that is still on going. 

On XX/XX/XXXX I called BOA and got to " complaints department '' and they told me if I would of Filed a dispute, informing them of XXXX   scam it would of never been put on my report. When he gave me the address to the disputes department in Florida, I realized the address was familiar and told him I sent in a complaint already to the address and you guys did this to me. On XXXX the XXXX & XXXX XXXX, I sent 2 letters to the disputes department in XXXX XXXX florida with the XXXX emails thread and police report, and let them know how foul they are, and that their banking practice are XXXX. I filed a complaint with the illinois AG in XX/XX/XXXX and on XX/XX/XXXX XXXX XXXX ( resolution specialist ) sent a letter stating they decline in removing the negative reporting on XXXX. They also Claimed that I never filed a claimed in the letter. 

On XX/XX/XXXX, i spoke to complaints Dept, and they went over the notes regarding this and told me that the risk department can help me and remove it today. i was transferred to Risk department and when that operator spoke to me and went over my file he was going to get his supervisor to removed, they put me on hold for 10 minutes, when they came back the operator told me things are staying as they are on my record.

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 2020-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
On XX/XX/2020 I went to XXXX XXXX delivered a Cease and Desist letter telling them not to run my credit as a result my credit was ran multiple times.I try to address the concern with creditors letting them know the auto dealership violated the Cease and Desist order.I currently have a pending court case XX/XX/2020 resulting the violation of the Cease and Desist order.I try to contact XXXX letting them know i want to all dispute after XX/XX/2020 because it was in violation of the desist.

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 2020-07-30 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: NY

Complaint narrative:
as per Experian 's request for documentation, please see attached social security card and identification for my claim due to identity theft

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 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: TX

Complaint narrative:
I received an email from XXXX XXXX and they said I could check my options with no effect on my credit. That was a lie. They ran a hard inquiry on my check and I want it removed immediately.

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 2020-07-30 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: NC

Complaint narrative:
I opened up a credit card Account with Capital One, # ( last four numbers XXXX XXXX. I authorized a second user. The second user charged over the limit by an additional {$1300.00}. I called the respondent and asked why they allowed over the limit purchases. They said under circumstances they could do it, even though they previously advised me that no one could charge over the limit. As a precaution they placed my account under restriction. I am now trying to pay my credit card. As if this day, XXXX, XXXX, 2020, their official website stated I have {$220.00} in cash to lower my credit card debt. I tried to lower my credit card debt. The web site stated I could not redeem at this time, -and my account was restricted with a {$1000.00} credit limit. I called Capital One and talked to three representatives. They all agreed that I do have {$220.00} cash to redeem but my account is closed and I cant use the {$220.00} to redeem. I told them that their official document said my account was restricted and I could not redeem at this time. I asked all the representatives when I will be able to redeem my cash rewards to lower my credit card debt. They said never. I have been discriminated against. I complained before, based on my XXXX, that they allowed over charges when I previously called them up to verify that they would not allow over charges ( {$2300.00} ) on my card with a {$1000.00} credit limit. They provided false information stating that they would not and then did. Now they are denying me the legal right to lower my credit card bill by using my cash rewards in retaliation for complaining before. Their documents state I have {$220.00} to redeem dated today, but not at this time because my account is restricted. They have now denied this redemption. They have charged me interest under the COVID-19 pandemic.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-30 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: NY

Complaint narrative:
as previously notified, I am a victim of Identity theft

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 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:
Someone in Experian and XXXX  credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. DEPT OF ED/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   gave me two letters of release stating the debt wasn't mine Experian and XXXX   keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through Experian. 


My correct address is XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX IL XXXX My name is XXXX XXXX XXXX My phone number is XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2020 my personal and business information was stolen and used to obtain a {$140000.00} loan with SBA under the false business name of XXXX XXXX XXXX with my tax i.d . SBA advised me that the funds were sent to this account XXXX at Chase routing number XXXX. This is not my account, it belongs to the person/people who stole my personal and business information. Chase stated that XXXX XXXX XXXX is not the name on the account and my tax id is not associated with this account. Chase 's Fraud department XXXX XXXX XXXX advised me that there is nothing Chase can do as the account holder would need to call them directly. This makes no sense! They stole {$140000.00} why would they call and volunteer this information? Chase has not been helpful in helping me with this fraudulent activity at all!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Netspend Corporation
State: FL

Complaint narrative:
XXXX I want my send my check to be put on my PayPal debit card I got my refund in the mail when I did my taxes at they were sending a check in the mail for both but I already got my refund and they said it won't get my stimulate until XX/XX/XXXX and I'm wondering if I can get in my PayPal account debit card thank you you call me at XXXX. My name is XXXX XXXX thank you for your time

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 2020-07-30 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: VA

Complaint narrative:
I submitted a complaint to Experian concerning XXXX XXXX XXXX XXXX   reporting my payments as being late, when I had actually submitted payments in the old amount. At no time was I ever late, since the payments are automatic. I didn't realize I had a problem until it was too late, since I was not opening mail on a regular basis due to COVID concerns. I filed a complaint in early XXXX, and Experian closed it out today ( XXXX XXXX XXXX with my payment history updated from XXXX, nothing else was done. Why even have a complaint system if you do not even address the issue? The outcome would have been the same had I not even submitted the 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