vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-13 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: CA

Complaint narrative:
Experian, XXXX, and XXXX  refuse to update my credit file by removing an inaccurate listing reported by XXXX XXXX XXXX. I requested an investigation from Experian, XXXX, and XXXX  to have them remove the account due to inaccuracy. All three agencies ( XXXX, Experian, and XXXX ) stated that they verified the information being reported as " accurate '' and no changes were made to my reports. 

XXXX XXXX XXXX which is the account administrator for XXXX XXXX XXXX informed me via USPS mail that, " NO ACCOUNT EXISTS IN OUR SYSTEM OF RECORD FOR XXXX XXXX. '' Therefore, this collection account is VOID and needs to be REMOVED IMMEDIATELY from my XXXX, Experian, and XXXX credit files. 

Attachments have been added to this complaint to substantiate my claim : 1 ) A screenshot from my credit report showing the account as XXXX XXXX XXXX with the XXXX XXXX XXXX address 2 ) A screenshot from the XXXX website showing XXXX XXXX XXXX as their account administrator 3 ) A copy of the letter I mailed to XXXX / XXXX XXXX XXXX to settle the debt 4 ) A copy of the letter I received from XXXX  on behalf of XXXX XXXX XXXX stating that an account for XXXX XXXX DOES NOT EXIST.

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 2020-07-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Hello, Thank you in advance for your help. My Capital One credit card was recently closed and my account was sent into collections with a third party debt collection agency during the COVID pandemic without Capital One ever sending me a bill or calling me to inform me I had payments that were owed. I only found out about this issue when I received a bill from the debt collection agency in the mail. I promptly called Capital One but they referred me directly to the third party debt collection agency. I asked the debt collection agency for more information about my bill to verify if this was in fact true and they said they could not provide a statement and I had to speak to Capital One. Capital One could also not provide a statement so given the bill was only for {$250.00} I went ahead and paid it off.

That being said my credit scorXXXX has been severely impacted as it shows an unpaid credit card bill that was sent to charge offs. I have been unable to qualify for a mortgage or auto loans because of this issue. I feel it's very unjust that Capital One can just destroy my credit score without ever even calling me or sending me a statement. The fact that this also happened during the COVID pandemic is just more insult to injury. I've tried to call Capital One for help to no avail. A few weeks ago I spoke with a supervisor at Capital One named XXXX who gave me the identification XXXX for my reference. He was not able to help me with my complaint. I told him Capital One never sent me a statement or called about the charge off and I did not have any proof I even made the payment. He had nothing to say to refute any of this. The only thing he did tell me that was useful was that the original bill was {$45.00} and all the late fees that they added, despite not calling or sending statements, led the bill to escalate to {$250.00} before they charged it off. That's frankly even more insulting. He told me Capital One would not be able to correct this issue on my credit report despite having paid the bill off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: NY

Complaint narrative:
I am filing a complaint against freedom mortgage again for other issues I am having with them I made my XXXX mortgage payment by Internet on XX/XX/XXXX I had two other debits to freedom mortgage they were made not by me debited to my mortgage account I have bank statements showing that the initial debit and XX/XX/XXXX went through and how Freedom mortgage tried debiting my account two other times causing me overdraft fees and other charges. Freedom mortgage returned the money but then charged me a {$20.00} fee for their actions can you please help me with this company they tried stealing for me now theyre charging me money that I do not owe this is all due to me telling them that Im refinancing with another company Ive made Payments on time to this company ever since they bought my mortgage I am in fear that they are going to attempt to tarnish my good credit I reached out to them nobody is on the same page everybody gives me different answers I would like my money back I will be sending them an invoice for all error and finances do to them. And I am not paying any of there fees

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 2020-07-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Consumer Financial Protection Bureau To Whom It May Concern, Iam writing to dispute a billing error in the amount of {$4700.00} on Account Number : XXXX XXXX amount is inaccurate as on XXXX an erroneous payment of {$840.00} was made to my XXXX Capital One MasterCard account. The payment was immediately cancelled, when paying online there is an option to cancel payment ehich I did, yet it processed. I spoke with a supervisor at XXXX Capital One MasterCard ; XXXX at extension or ID XXXX, and she assured one that the account would be reverted to status prior to error within 2 weeks.Unfortunately, as a result of an internal system error ; the erroneous {$840.00} payment had been added to my New Statement Balance Due ( see attached copy of statement dated XXXX - XXXX ) Previous Balance was {$3700.00}, system erroneously added {$840.00} payment to new balance due along with a {$25.00} late fee and {$84.00} interest on purchases for that period, which increased my actual balance by {$950.00}, hence ; {$4700.00} inaccurate. XXXX the supervisor at XXXX Capital One MasterCard said my XXXX payment and late fee would be waived due to inconvenience. Yet when I made the XX/XX/2019 payment of {$110.00}, the account still had not been reverted back to status prior to the XXXX {$840.00} erroneous payment, despite many lengthy calls, repeatedly leaving my number, promises from agents and supervisors, they failed to correct the account, the company did not act to resolve complaint. 
I'am requesting that the error alas be corrected. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 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: TD BANK US HOLDING COMPANY
State: TN

Complaint narrative:
Target has it listed for two late payments in XXXX and XX/XX/2016. Since XX/XX/2016, I have not missed or have a late payment. This is still on my credit and has been resolved over 3 1/2 years ago. This account is still open and in good standings.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 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: TN

Complaint narrative:
2015 identity theft. Someone tried to add money to my account. I reported my card stollen and nothing more was done other then the account being closed. Now i cant open a bank account with anyone.

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 2020-07-13 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: CA

Complaint narrative:
XXXX, XXXX, and TransUnion refuse to update my credit file by removing an inaccurate listing reported by XXXX XXXX XXXX. I requested an investigation from XXXX, XXXX, and TransUnion to have them remove the account due to inaccuracy. All three agencies ( XXXX, XXXX, and TransUnion ) stated that they verified the information being reported as " accurate '' and no changes were made to my reports. 

XXXX XXXX XXXX which is the account administrator for XXXX XXXX XXXX informed me via USPS mail that, " NO ACCOUNT EXISTS IN OUR SYSTEM OF RECORD FOR XXXX XXXX. '' Therefore, this collection account is VOID and needs to be REMOVED IMMEDIATELY from my XXXX, XXXX, and TransUnion credit files. 

Attachments have been added to this complaint to substantiate my claim : 1 ) A screenshot from my credit report showing the account as XXXX XXXX XXXX with the XXXX XXXX XXXX address 2 ) A screenshot from the XXXX website showing XXXX XXXX XXXX as their account administrator 3 ) A copy of the letter I mailed to XXXX / XXXX XXXX XXXX to settle the debt 4 ) A copy of the letter I received from XXXX  on behalf of XXXX XXXX XXXX stating that an account for XXXX XXXX DOES NOT EXIST.

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 2020-07-13 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: CA

Complaint narrative:
XXXX, Equifax, and XXXX refuse to update my credit file by removing an inaccurate listing reported by XXXX XXXX XXXX. I requested an investigation from XXXX, Equifax, and XXXX to have them remove the account due to inaccuracy. All three agencies ( Equifax, XXXX, and XXXX  ) stated that they verified the  information being reported as " accurate '' and no changes were made to my reports. 

XXXX XXXX XXXX which is the account administrator for XXXX XXXX XXXX informed me via USPS mail that, " NO ACCOUNT EXISTS IN OUR SYSTEM OF RECORD FOR XXXX XXXX. '' Therefore, this collection account is VOID and needs to be REMOVED IMMEDIATELY from my Equifax, XXXX, and XXXX  credit files. 

Attachments have been added to this complaint to substantiate my claim : 1 ) A screenshot from my credit report showing the account as XXXX XXXX XXXX with the XXXX XXXX XXXX address 2 ) A screenshot from the XXXX website showing XXXX XXXX XXXX as their account administrator 3 ) A copy of the letter I mailed to XXXX  / XXXX XXXX XXXX to settle the debt XXXX ) A copy of the letter I received from XXXX  on behalf of XXXX XXXX XXXX stating that an account for XXXX XXXX DOES NOT EXIST.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
I noticed that Credit Collection Services of XXXX, MA filed an item in collections from XXXX against all 3 bureaus credit reports. I have never had an account with XXXX in my life, so I am angry that they filed a collection for a debt that I do not owe. I would also like to know where the account came from and would like to have an investigation started. 

This is a large debt of {$3400.00}. I tried to dispute this debt with the first reporting agency. XXXX XXXX was the first, and, after investigation, they reported that they were able to verify accuracy. So, I held off on disputing with XXXX and XXXX. 

Another thing I want to make perfectly clear is that this company did not call me once and reported this debt against my credit report. In my opinion, that means they did not do their due diligence ensuring that they are reporting debt against the correct individual. Not only did they file this debt in collections against my credit report, I never once received a call from XXXX or the collection agency. I am very upset and look forward to getting this resolved.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To night I attempted to contact the three leading credit reporting and I wanted to see if there were rebirthing or hard visited my page and the credit reporting states that they don't place points against you but they do. I want my credit score mailed to my home please.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I have spent well over a year disputing multiple inaccuracies on my personal credit report with all 3 of the major credit bureaus to include XXXX, XXXX, and Transunion. 

I have spent large amounts of money during this time to send my dispute requests via US Certified mail because every other manner in which I have attempted to dispute would end up with constant mail tagging back and fourth or the credit bureaus stating that they never received my requests.

To Date : There is now not only ( 1 ) but now ( 2 ) Wisconsin addresses that is displaying on my personal credit report in which I have NEVER resided or even stepped foot into the State of Wisconsin, I have made this very clear to all ( 3 ) major Bureaus by providing my valid State Issued Drivers License with each one of my dispute  letters. 

There are Dated/Old Student Loan accounts that have been Paid/Closed that are appearing on my personal credit report multiple times, listed individually which is impacting my overall credit score. These loans have been consolidated with one agency and the other agencies have been paid in full.

There are multiple items reported on my credit report as Negative that do no belong to me, and I have advised all ( 3 ) credit bureaus that my personal information was compromised through a previous employer who experienced a data breach, and also XXXX who has also experienced a data breach. These data breaches are impacting my personal credit report in a negative manner. 

Each time I initiate a dispute with the ( 3 ), major credit bureaus, it result with no changes being made to my personal credit report and no information is being provided as to how they came to this conclusion as if though they are not even taking the initiative to properly investigate my dispute claim. 

I do not work for either of the ( 3 ) major credit bureaus and I feel that if they are going to report inaccuracies on my personal credit profile, then they should at least take the time required to verify the information that they are listing on my personal credit profile using their own resources and tools, since they are apparently being PAID to list these inaccuracies on my personal credit profile. 

I am at the point where my hands are tied and I am now at the mercy of your agency to get some assistance and accurate results regarding my multiple attempts to get these issues resolved with all ( 3 ) major credit bureaus.

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 2020-07-13 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
It appears that the original claim was submitted to XXXX on XX/XX/XXXX instead of the VA which is my primary insurance. I expect the balance due is the remainder after the XXXX payment. XXXX sold the account to Aargon Collections and they placed a collection on my XXXX and XXXX   credit reports on XX/XX/XXXX without my knowledge. XXXX XXXX notified me of the two collection items for XXXX and Aargon as two collection items for the same amount ( {$1300.00} ) and same account number. These were the only two derogatory items on my report. When I contacted both XXXX and Aargon and asked that they remove the collection item from my credit reports and submit the balance to the VA for processing, I was told they could not because it was my responsibility. I disputed the collection reports and provided my XXXX statement which indicated a XXXX balance. The response from XXXX  and XXXX  was that the account had been " verified '' by the creditor and would not be removed. I asked how it was verified and and was told that the creditor had " verified '' it was reported as a collection item and the amount was correct. According to VA Court Order Wolfe v. Wilkie, 32 Vet. it is their responsibility to pay balances from other insurance ( in my case XXXX ) according to the recent court ruling referenced in the attached letter.

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 2020-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To night I attempted to contact the three leading credit reporting and I wanted to see if there were rebirthing or hard visited my page and the credit reporting states that they don't place points against you but they do. I want my credit score mailed to my home please.

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 2020-07-13 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: Convergent Resources, Inc.
State: TX

Complaint narrative:
I had a collection on my account from XXXX XXXX, one was a balance {$430.00}, which was paid in full, and XXXX also reported a collections for a different account for {$380.00}, after paying the {$430.00} I was emailed a letter for my lender for a paid in full for the account. I asked why there was another amount of XXXX and was told they couldn't find that account and were unsure why it is on there. XXXX has since reported the {$380.00} to collections which was my understanding that it was the {$430.00} which was the {$380.00} with late fees.

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 2020-07-13 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: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
I have been calling XXXX specialized department for several years now about issues with these fraud inquiries and accounts that were fraudulent used showing missing payments and derogatory information and I called the companies as well. Its cleared up and next thing I know Im getting alert my score dropped 60 points. Because now the account is back reported delinquent when it was cleared up weeks ago which had me to believe XXXX XXXX is not doing there job of maintain my file as they should by law. I have 82 inquiries on my credit report when it should be only 3 on there. They know my situation with fraud issues and still fail to act appropriately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: PNC Bank N.A.
State: WV

Complaint narrative:
PNC Bank has changed their policies disallowing their customers to link their bank accounts to investment portfolio services such as XXXX and XXXX. They don't reserve the right to prevent me from funding my investment portfolio when they themselves don't offer services to invest my money into stocks and bonds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
This account is still on my credit report from the original creditor even though its is stated in the comments that the account has been sold to another lender. The original company and the credit bureaus are giving me a very hard tome with getting this account off of my credit reports and this is very unfair.

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 2020-07-13 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: TN

Complaint narrative:
This account is still on my credit report from the original creditor even though its is stated in the comments that the account has been sold to another lender. The original company and the credit bureaus are giving me a very hard tome with getting this account off of my credit reports and this is very unfair.

Company response to consumer: Closed with explanation