vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Hello Yes I would like to report Capitol One Bank. They intentionally and purposefully blocked me from making a purchase from XXXX XXXX. This is the second complaint I made. I just received tax refund and it was deposited into Capitol One Bank. I want Capital One actions reported to the police for invading my privacy and purposely with cruelty. I don't know who they are trying to impress or side with but their continued action is going hurt their business financially. Thy people they are trying to side with wont save them from getting a lawsuit if they continue with their erratic XXXX behavior. Also the media ssuch as XXXX XXXX, XXXX XXXX and XXXXXXXX XXXX and XXXX others etc. has been invading my privacy and I have complained to the police about it. Now Capitol One wants to XXXX join the cruelty and prevent me from making needed purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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: CA

Complaint narrative:
On XX/XX/2021 I submitted a dispute letter to all 3 bureaus disputing that XXXX XXXX XXXX XXXX XXXX is reporting a collection that has surpassed the statue of limitations and thus should be removed, however on XX/XX/2021 my credit report was updated to reflect that this account will remain on my credit report. 

According to XXXX. XXXX. XXXX. XXXX XXXX XXXX. seq. this account has passed the four years Statutes of Limitations to collect such debt. 

The account information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX  amount : {$13000.00} As of XX/XX/2021 I never received written correspondence informing me of the dispute results.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX, I sent certified mail to the three credit reporting agencies [ Equifax, XXXX, and XXXX ] showing the inaccuracies [ which included late payments and collections, that were paid in full ] on my credit report. After 30 days, the three credit reporting agencies havent made the necessary adjustments to fix the inaccuracies. The three credit reporting agencies have to have everything aligned on an individuals credit report ; for example, on one of my closed accounts it says I have a late payment. Equifax says I have a 30 day late payment on XX/XX/XXXX, XXXX and XXXX says I have an on time payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
a false check went thru my chase checking account ive never had checks with Chase and the XXXX XXXX  loan was from XX/XX/XXXX and has been sold to collection agency went and got copy of the check from Chase and its has the collection agency/XXXX XXXX. this was not authorized my bank automatically knew it was fraud cause i have no checks unauthorized i called them a few months ago to see if the would work with me and the balance but they wouldnt budge and now all of a sudden a false check for the full amount owed went thru my account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
Tried several times on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2021 both online and over the phone to pay a bill that showed as deliquent in email but everytime I tried to pay online ( with current routing numbers of my bank ) I would get a payment processing error. Now I am being told I have an additional late fee and there is no waiver. My credit score had suffered through issues paying this card and the inaccessibility of their online platform..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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: Complete Credit Solutions, Inc.
State: TN

Complaint narrative:
On XXXX XXXX, Complete Credit Solutions began reporting derogatory information to my credit report. I contacted the collector requesting validation which they failed to respond to and proceeded to add derogatory marks to the already erroneously reporting credit file. There has been NO written form of communication, contract, or signature for this accused debt. According to the FCRA Complete Credit Solutions has violated my rights as a consumer and I'm requesting this account be removed immediately from all credit reporting agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX, I sent certified mail to the three credit reporting agencies [ XXXX, XXXX, and Experian ] showing the inaccuracies [ which included late payments and collections, that were paid in full ] on my credit report. After 30 days, the three credit reporting agencies havent made the necessary adjustments to fix the inaccuracies. The three credit reporting agencies have to have everything aligned on an individuals credit report ; for example, on one of my closed accounts it says I have a late payment. XXXX  says I have a 30 day late payment on XX/XX/XXXX, XXXX and Experian says I have an on time payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
A fake letter from CitizensOne personal loans was dated XX/XX/21 and received XX/XX/21. It stated : We have not received your monthly payment of {$160.00} that was due XX/XX/21 on your Citizens One ^R account for ending in XXXX. 
To keep your account current please visit www.service.citizensone.com or call us at XXXX to make a payment or update your payment information. It goes on to suggest they may report to credit agencies. 
I tried to log into the site and tried repeated passwords of other accounts and my social security number to find my info. I have tried calling citizens one on the number on their site but can not reach a person without an account number that I dont have. This is the first action I have taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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: CA

Complaint narrative:
On XX/XX/2021 I submitted a dispute letter disputing that XXXX XXXX XXXX is reporting two different collection accounts that have surpassed the statue of limitations and thus should be removed, however on XX/XX/2021 my credit report was updated to reflect that these accounts will remain on my credit report. Although I disputed both accounts with all three bureaus, under the purview of the same statue of limitation, one or none were removed from my credit report ( s ). 

According to XXXX. XXXX. XXXX. XXXX XXXX XXXX. seq. this account has passed the four years Statutes of Limitations to collect such debt. 

The account information : 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ( XXXX ) Collection amount : {$7600.00} 2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX Original Creditor : XXXX XXXX Collection amount : {$6700.00} As of XX/XX/2021 I never received written correspondence informing me of the dispute results.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC
State: TX

Complaint narrative:
LANIER COLLECTION XXXX XXXX XXXX XXXX, GA IS REPORTING TO XXXX CREDIT PROFILE A DEBT OF {$170.00}, WHICH HAS NOT BEEN VALIDATED WITH ORIGINAL SIGNATURE OR IDENTITY, NO ACCOUNT NUMBER. I WOULD LIKE THE DEBT REMOVED FROM MY PROFILE IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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: FC HoldCo LLC
State: TX

Complaint narrative:
On today XX/XX/2021 I received alerts on hard pulls on my credit report. I called the companies that were shown and was advised that they received information from a company called XXXX XXXX and spoke with a guy named XXXX and told him I did not authorize any hard credit pulls at all on my credit. The website completely stated input last XXXX digits of social security number to look at rates. I have there was no permission given for this company to send my credit information out to run my credit at all. I have stated only the last 4 of my social security number was input and I would like to know how they received the rest of my information. I applied for credit with them years ago and I feel this company has fraudulently kept my information on file and used it improperly which is a violation of my consumer rights. I did not apply for credit with this company I was only looking at rates per the website. I have asked for them to remove this fraudulent inquiry and they have said they will only do what they can do. Spoke with XXXX XXXX says she is a supervisor and still did not agree to remove this fraudulent inquiry as well. I have spoken with two people in this company and advised that I did not request credit. When asked how did this company obtain my complete social security number both reps replied they do not know. This company is committing fraudulent activities by inputting hard inquiry pulls on my credit which in return caused my credit score to drop immediately. Now this same company while on the phone is trying to offer credit repair. I keep stating the same thing to remove these fraudulent inquiries that they have placed on my credit and they advised that they can not do it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
I have received a threatening email from someone who works with Convergent that bought the debt that I accumulated from XXXX. They're threatening me with wage garnishments and in the email it says " Arrest warrant and garnishment notice. '' I attached screenshots from my laptop since it was a 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 2021-03-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
At the beginning of XX/XX/2021, my XXXX XXXX XXXX XXXX XXXX ( XXXX ) credit card was reported to XXXX  inaccurately indicating 30 days late with {$140.00} outstanding balance. 

I contacted XXXX and they denied that action, stating I did not have a late amount due, have not been late so there was " nothing for them to report ''. Days later, after many phone calls, emails, and going into the credit union, they finally realized the mistake they made in reporting me to the credit bureau. 

Without an apology they said they would fix it only after I created a dispute through XXXX, which I did. After asking three different XXXX XXXX XXXX for documentation of my good payment standing, I received a letter showing payment history ( attached ) and was advised they could no longer help me. 

On XX/XX/XXXX, XXXX responded to the XXXX  dispute. As per XXXX, XXXX stated the late payment reported for XX/XX/2021 was accurate and it remains.

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 2021-03-04 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
At the beginning of XX/XX/2021, my XXXX XXXX XXXX XXXX XXXX ( XXXX ) credit card was reported to Experian inaccurately indicating 30 days late with {$140.00} outstanding balance. 

I contacted XXXX and they denied that action, stating I did not have a late amount due, have not been late so there was " nothing for them to report ''. Days later, after many phone calls, emails, and going into the credit union, they finally realized the mistake they made in reporting me to the credit bureau. 

Without an apology they said they would fix it only after I created a dispute through Experian, which I did. After asking three different credit union associates for documentation of my good payment standing, I received a letter showing payment history ( attached ) and was advised they could no longer help me. 

On XX/XX/XXXX, XXXX responded to the Experian dispute. As per Experian, XXXX stated the late payment reported for XX/XX/2021 was accurate and it remains.

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 2021-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Betterment LLC
State: AZ

Complaint narrative:
Debit card and checks received in the mail from XXXX XXXX  for XXXX XXXX. I did not order them and never heard of that bank. Called to cancel that account. 

Debit card from Betterment Bank received in the mail for XXXX XXXX. He did not order, or ever hear of such a place. XXXX ( husband ) called to close the account. He was told the account was already closed and the person who opened it was already fired. 

Both occurred AFTER we put a freeze on our accounts. We have filed a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I went to XXXX for wireless tv services. They said there would be a charge for installation. I was ok with that. When the installer came out on XX/XX/2019 he had a mood that was uncooperative and irritated. We asked the wire to be placed in an area we wanted, and the difference was a matter of five feet. He told us that would cost an extra {$100.00}. That wasn't acceptable and he installed where he wanted the wire to go. His attitude now had me upset and I just wanted to get rid of him. I called XXXX to report this guy and complain. I was left on hold for over two solid hours without anyone answering. Now I was angry. At this point I had had it with XXXX. I took all their equipment the same day, XX/XX/2019, got in my car and drove to their store in XXXX XXXX which another of their stores told me accepts returns. I have a receipt from them showing the return and the date. Then they billed me for the service which was unacceptable. I got a call from them regarding the bill and I told them what happened. There was no " I'm sorry '' or " how can we make things right? '' They just turned me over to collections. I got one call from them and told them not to call again, and they didn't. Then I cancelled my telephone service with them, but they have a mark on my credit report and I want that removed. I will do whatever I have to to get them to wake up including small claims court.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem adding money
Company: AMERICAN EXPRESS COMPANY
State: MS

Complaint narrative:
To Whom It May Concern I have an American Express Prepaid Serve Debit Reloadable Card in which I use to make online purchases and conduct online other money transactions. However, I tried unsuccessfully to load ( add ) cash to my card to one of the authorized retailers. It would not allow me to load {$50.00} on Friday, XXXX XXXX at a local XXXX XXXX or Thursday, XXXX XXXX at a local XXXX store. I asked the store clerk why it would not take and they both stated it needed " preauthorization ''. I haven't had this problem before. I've loaded my card sometimes 3 to four times a month with various amounts. It has not reached the maximum limit of ( {$100000.00} ) for the year listed under cardholder agreement fees. There is no email to contact American Express Serve about this complaint, only a mailing address. That will take probably this time next month or many months after to get the complaint and a resolution. The telephone number only gives you certain options and when you try and bypass those options it hangs up on you. They have FAQs but someone would like to talk to a customer service agent to further direct the consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Geneva Financial, LLC, Chandler, AZ Branch
State: AZ

Complaint narrative:
Complaint regarding false and mis-leading XXXX advertising. Company is Geneva Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX. NMLS # XXXX XXXX BK # XXXX. 

Company is NOT able to provide the rates advertised on XXXX and 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 2021-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: United Shore Financial Services, LLC
State: FL

Complaint narrative:
UWM is trying to dictate to it's broker partners who it can partner with, and will fine any broker that does business with UWM & XXXX XXXX. UWM is trying to eliminate competition with XXXX tactics. Their behavior will raise prices for consumers, and cause material harm to americans on a huge scale.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I had 2 collection on my credit report that I paid off simultaneously. One of the collections was removed but the other remained. I spoke to a representative of the debt collection company and they said it should come off after I disputed it. After the dispute they never removed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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:
Initial letter sent to all 3 Credit Bureaus ( XXXX, Equifax and XXXX  ) on XX/XX/2020 to dispute a reporting collection with XXXX XXXX ( account number XXXX ) via certified U.S. Mail. Results returned as " Updated. '' A letter requesting the Method of Verification of the debt was sent to all 3 Credit Bureaus ( XXXX, Equifax and XXXX  ) on XX/XX/2020 advising under FCRA 611 ( a ) requesting the description of the procedure used by the corresponding agencies to provide all information to the creditor associated ( XXXX XXXX ) with the original dispute submitted on XX/XX/2020. The bureaus returned a copy of my credit report stating that the item was " Updated. '' A follow up letter requiring the Method of Verification was submitted to all 3 Credit Bureaus ( XXXX, Equifax and XXXX ) via certified U.S. Mail on XX/XX/2020 advising under FCRA 611 ( a ) ( 2 ) ( b ) to provide all relevant information requested under the original request. The same results were returned as " Updated '' on the credit report, but no method of verification ( i.e. copy of a signed contract to validate the debt was provided to me ). On XX/XX/2020 an additional letter was submitted via certified U.S. Mail under FCRA Section 609 ( a ) ( 1 ) ( A ) to provide verifiable proof of the debt. If unable to provide verifiable proof, they are required under FCRA to remove the account. To date, no verifiable proof has been provided to me and the account continues to remain on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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: NV

Complaint narrative:
XXXX put me into collections in XXXX and now has put me in again for XXXX when in fact the contract had ended in XXXX.

Company response to consumer: Closed with explanation