vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-03 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:
For the past several months I have be in touch with Equifax consumer reporting agency through phone and direct mail regarding fraudulent established accounts appearing on my credit file due to identity theft. I have sent Equifax numerous disputes as well as an Identity theft report from the Federal Trade Commission that has included the fraudulent accounts in question. Equifax has failed to provide 100 % accurate verification on the behalf as per the Fair Credit Reporting Act in regards to section 605b 609, and 611. It has been well beyond the 30 day time frame from my initial dispute and Equifax has either not responded or failed to send me any correspondence regarding my disputes. I have included a copy of my drivers license, social security card, utility bill, and also a request to update my personal information to remove the fraudulent addresses from my credit file. This is a clear violation of my consumer rights as well as the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 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: AR

Complaint narrative:
For the past several months I have be in touch with Transunion consumer reporting agency through phone and direct mail regarding fraudulent established accounts appearing on my credit file due to identity theft. I have sent Transunion numerous disputes as well as an Identity theft report from the Federal Trade Commission that has included the fraudulent accounts in question.Transunion has failed to provide 100 % accurate verification on the behalf as per the Fair Credit Reporting Act in regards to section 605b 609, and 611. It has been well beyond the 30 day time frame from my initial dispute and Transunion has either not responded or failed to send me any correspondence regarding my disputes. I have included a copy of my drivers license, social security card, utility bill, and also a request to update my personal information to remove the fraudulent addresses from my credit file. This is a clear violation of my consumer rights as well as the Fair 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 2020-03-03 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I submitted a dispute against erroneous information reporting on my credit report XX/XX/XXXX. the investigation was completed XX/XX/XXXX and the results were the item was deleted off of my credit report. One XX/XX/XXXX, the reporting agency RE-INSERTED the information on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2020 I paid my account balance in full. Now I have been invoiced {$15.00} stating that is interest due from XXXX through XXXX. I am paying the {$15.00} but think it is unfair and unexplainable. Capital One ( Venture card )  account # XXXX was paid the full account balance of {$910.00} on XX/XX/2020. How is it that a month later they find another {$15.00} due. I attempted to resolve but the attitude was uncaring. It isn't the amount, obviously, it is the principal. I have ALWAYS paid on time and more than my payment amount due.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-03 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: General Credit Services
State: IN

Complaint narrative:
General Credit Services has been collecting on behalf of XXXX XXXX for the last 2 years on a medical debt that was miscoded in the system. They have yet to correct the issue and continue to hound/persistently collect for a debt not owed. When speaking with the insurance company, the routine tests that were performed were considered covered without a deductible, yet XXXX 's billing and General Credit Services care little about that and continue to collect this information. I received a notice on my credit report that General Credit Services had placed this as a collections account on XX/XX/2020, after multiple harassing letters and a phone call that suggested that they would sue me if they did not receive payment. Not only has General Credit Services and XXXX violated the FDCPA, but they have also violated the FCRA while knowing this amount was in dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In XX/XX/XXXX I noticed an error reporting on my Experian report. In XX/XX/XXXX, the item was disputed and removed. I received no notification prior to reinsertion. XX/XX/XXXX, the item was added back to my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Debt Recovery Solutions, LLC
State: CA

Complaint narrative:
You are in violation of many federal laws because you are trying to collect on a debt that was previously discharged through my Chapter XXXX Bankruptcy filing that was done on XX/XX/XXXX, and the fully discharged on XX/XX/XXXX by the Federal Bankruptcy Court located in XXXX, Ca. Judge XXXX XXXX was the presiding Judge that Ordered the discharge and XXXX XXXX was the assigned Trustee for my Bankruptcy case. 

The debt that you are trying to collect on is for : XXXX Credit card with the account number ( partial )  of:XXXX Also, the fact that you have lied and placed an opening date for this credit card on my credit report for : XX/XX/XXXX is another violation of Federal Law.  Also, the fact that you have purchased a discharged Bankruptcy debt knowingly, and are now trying to collect on it after the fact is yet another major Federal Violation. If I have to have my Bankruptcy case reopened in Federal Court just so I can sue and make an example out of you for this extremely illegal debt collection practice, Believe me I will. 

You have also inserted this illegal debt collection into all of my credit reports with all three Credit bureaus without even trying to contact me or send me any notice to have this debt verified within the first 30 days is also yet another major violation of Federal Laws. This item needs to be immediately deleted from my credit report or I will file suit against you without any hesitation otherwise and bring against you whatever fines are legally allowed for your many law violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Account information incorrect
Company: Opportunity Financial, LLC
State: FL

Complaint narrative:
This account has been paid off and closed but it is still showing on my credit report as high balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Im a victim of identity theft someone got my information and used my accounts and even try to open accounts in my name, I contacted each one of my accounts and let them know exactly what was happening,, they had removed all the negative items from my credit report and now its back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 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: Waypoint Resource Group, LLC
State: TX

Complaint narrative:
I am XXXX customer. I have been for the past 5 years. While I was checking my credit report, there was a negative report about a XXXX bill in collections. I called XXXX and they say they can't find the record. From what they see, I am in good standing. So, much so, I have a new account with them. The collection agency says this is from XXXX. The amount is {$1000.00} This same thing happened a few years back. It was removed, because it was not mine. Now, it is showing up again. My credit score is XXXX, but i am getting turned down for electricity service. The reason is the electricity companies are running a soft credit check and they are seeing a utility collection account. 

The collection agency is Waypoint Resources Group XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) 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 2020-03-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ORG GC GP BUYER, LLC
State: DE

Complaint narrative:
I returned 3 phone and canceled service with XXXX on XX/XX/XXXX in person at the retail store XXXX XXXX where I purchased from with the 14 return window I have proof of return and deactivation receipts. XXXX has claimed to not have received phones in there warehouse. I called to let XXXX  know a few times already that I have return phones and they would tell me they would open a case and look into the issue and that maybe the phones where in the mail still being shipped back. Now XXXX has sent debt to a company called GC services. I spoke with them on XX/XX/XXXX and told them the same info and I sent them the receipts by email to prove phones were returned on XX/XX/XXXX. They said they would contact me once they heard back from XXXX. On XX/XX/XXXX I received alert of derogatory remarks on credit report from GC Service. I contact GC Service on XX/XX/XXXX and was first told that XXXX denied my dispute on XX/XX/XXXX I believe and I told the rep I spoke with someone on XX/XX/XXXX to start the dispute so it could not have been denied before that date. She then told me she found a second dispute open with XXXX and they were waiting to hear back from XXXX. I asked for a file number or case number and she said she did not have one to give. I then asked if they problem is still being investigated why have they report me to credit bureau. She said it was not a derogatory complaint. it was just letting the them now a case was open. But I told her it is saying derogatory. I asked her a debt verification for what they are sending in to credit bureau that I owe and she said she didn't have that but could send an itemized bill. I requested that and she said if she sent an itemized bill it would cancel my dispute with XXXX. I then call spring on XX/XX/XXXX and was told there was no dispute open with them. The rep began to open a case to try and locate phones but again would not allow me to send in the proof of return and deactivation receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I've been with # capitalone for years but on XX/XX/XXXX I paid {$300.00} to my account and it NEVER went through on their side. It came out from my bank and was NOT returned. 

Over all this time I have sent in the proof that was requested no less than 5 times while speaking to Representatives that confirmed that yes I was right and I was not credited my {$300.00} to the cc multiple times as well. For some reason there was still an investigation where they credited me a TEMPORARY {$300.00} that they then took back claiming that they need FURTHER proof of the very thing that I have given them so many times already just in a different form. 

When they took that {$300.00} it put my credit over the limit and some bills I had on auto pay was return where they also charged me overage. I am in another freaking country and unable to call them at the moment while charges continue to build because I'm not paying them anymore of my money until they fix this. I sent in the additional request just before I left at the beginning of XXXX of this year XXXX! and they are not doing anything until I call them I'm sure.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Im a victim of identity theft someone got my information and used my accounts and even try to open accounts in my name, I contacted each one of my accounts and let them know exactly what was happening,, they had removed all the negative items from my credit report and now its back.

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 2020-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Im a victim of identity theft someone got my information and used my accounts and even try to open accounts in my name, I contacted each one of my accounts and let them know exactly what was happening,, they had removed all the negative items from my credit report and now its back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Ingo Money, Inc.
State: CT

Complaint narrative:
Ingo Money replied to a prior complaint regarding a transaction in the amount of {$1000.00} on or around XX/XX/XXXX. I deposited a check in this amount on said date, they list the amount as {$1300.00} which is incorrect. As explained in prior CFPB complaint, I chose ten day waiting period which would make funds available on XX/XX/XXXX. Due to a sudden emergency, I needed to cash check prior to ten day period, took check to XXXX XXXX XXXX branch which is bank whom funds are drawn from, cashed it in person. Ingo rep stated my account is in collections when the check was not cashed twice as she implied, funds wee not credited to my account and it shows check as cashed in their app and funds not credited to account. It appears they refuse to remove block on account even when I did not receive funds in account deposited to.. A message was left for a manger, no call back. As far as I aware, I do not owe Ingo on this check or any fees related to it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: VA

Complaint narrative:
The company, Convergent Outsourcing , Inc., sent me a collection letter on a XXXX utility bill that was already paid in full to XXXX for {$160.00}. I called XXXX to verify and they stated that I have a XXXX balance and owe them no money. I also have payment from my accounts and on the XXXX   application which shows no money is owed. This company needs to check their records because they have false information, and no money is owed and I have no outstanding debt with XXXX and owe this debt collector no money. They do not have their records correct and through their letter, on the back, threatens to report this on my credit in 30 days. There is no debt owed, therefore they will be reporting a false debt on my credit.

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 2020-03-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: MI

Complaint narrative:
My taxes increased roughly {$1300.00}. I was not aware but I do not dispute the increase. The mortgage paid the taxes and increased the debt in my escrow. They increased my monthly payment from {$740.00} to {$1100.00}. Clearly a {$390.00} increase to my payment far exceeds the increase in my taxes so I eventually got a hold of a human at Lakeview Loan and she agreed and started a re-balance calculation process for my escrow and she committed to a response within a week. That all began on XX/XX/XXXX and still no resolution. Mean while my auto payment is still being made at {$740.00} and I have been assessed roughly {$100.00} in late fees. 

This is investment property and I plan to pay the escrow off and put excess in the account. This mortgage company has not responded and I remain in limbo with my only option to pay this ridiculously excessive monthly amount. I have never had such difficulty with any agency. I call them and wait for roughly 10 minutes just to leave my call back number to which they never make.

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 2020-03-03 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:
ftc violations

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 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:
ftc violations

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 2020-03-03 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:
ftc violations

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 2020-03-03 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: GA

Complaint narrative:
On XXXX XXXX, I disputed a public record on my Equifax credit report via their online service. On XX/XX/2020, I received results via their online service stating that the public record had been updated. I noted that in their response, the updated information for the public record stated a file date of XX/XX/2020. I then called them on XX/XX/2020 and spoke with XXXX then her supervisor XXXX advising them that I did not file for bankruptcy on XX/XX/2020, that I was not a resident of XXXX, and that I did not even live in the state of California. I also advised them that this must be some kind of mistake as I already had a fraud alert on my account and that I was a victim in their data breach, and because of this Id also frozen my XXXX XXXX profile to protect my information. I then asked how was the public record verified. The rep told me that they verified that I filed for bankruptcy on XX/XX/2020 with the XXXX court, so I then asked what is the name of the person they spoke too. She then said they used a third party vendor who also verified their information directly with the court in XXXX, CA, but she would not give me the name of the 3rd party vendor. The rep then forwarded me to their mix department and I began speaking with XXXX. I advised him of all of the above and he stated that he could open another dispute to have the inaccurate Public Record deleted off of my credit profile which would take bout 30 days. On XX/XX/2020, I logged into Equifaxs website and noted that the Public Record was still present on my, but they changed the  dates. The entry on my credit profile also states that it was verified via XXXX XXXX. I have included attachments of written correspondence from Equifax, as well as proof from their 3rd party vendor I received that my profile is frozen.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Hello Bank of America This is in regards to a Fraudulent credit card open in my name. I have tried a few times to get this fraudulent card removed off my credit file and cease all collection activity. I have filed a FTC report regarding this fraudulent credit card.

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