vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-10 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Due to pandemic I was off work from XX/XX/XXXX to XXXX and car loan company offered customers to deferred payments so that was supposed to go on the end of my loan!! They gave me 2 months deferred and I paid one month to keep from getting behind due to COVID19!! The company has reported that I was late during COVID19 and they are not supposed to be doing that to customers!! All my payments show up on time until COVID19 hit my life and I have disputed the information but the company refuses to correct the late payments on my credit report!! I just dont think this is fair to me and other customers

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 2020-10-10 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 — Investigation took more than 30 days
Company: American Credit Acceptance, LLC
State: IL

Complaint narrative:
Due to pandemic I was off work from XX/XX/XXXX to XXXX and car loan company offered customers to deferred payments so that was supposed to go on the end of my loan!! They gave me 2 months deferred and I paid one month to keep from getting behind due to COVID19!! The company has reported that I was late during COVID19 and they are not supposed to be doing that to customers!! All my payments show up on time until COVID19 hit my life and I have disputed the information but the company refuses to correct the late payments on my credit report!! I just dont think this is fair to me and other customers

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 2020-10-10 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: GA

Complaint narrative:
Hello, Experian has been reporting erroneous information on my credit report and and I've tried several times to have this information corrected. I have a public record on my report that is not accurate and have disputed this account and asked for validation several times from Experian. Experian has stated this information was verified by the courts and XXXX XXXX. I initiated an investigation with XXXX  and XXXX XXXX ; both confirmed that this account was not mine or was not provided to Experian. I presented this information to Experian and they have responded with false information, stating the public record has been verified. This should be illegal and I'm considering filing a complaint with my state AG office and will consult an attorney. This is a serious violation of the FCRA. 

Below are the steps I've used to correct this information : XX/XX/2020 I contacted XXXX  to verify verification process related to XXXX  reporting, XXXX  responded on XX/XX/2020 stating they do not verify bankruptcies with third party agencies or Credit Bureaus. 

XX/XX/2020 I submitted a complaint to CFPB concerning incorrect information reporting on my XXXX account. 

XX/XX/2020 XXXX responded with a letter stating the public record was deleted from my file and was not accurate. 

XX/XX/2020 I submitted an online dispute with Experian and attached supporting documentation from XXXX. 

XX/XX/2020 Experian responded to my dispute stating the public record will remain and has been verified. This is a blatant lie! I believe this is a tactic used by Experian to keep erroneous information on consumers reports without actually validating any information. 

My rights have been violated and my next course of action is litigation. I've provided attachments to show proof of my actions and investigation. Please remove this pubic record from my account ASAP.

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 2020-10-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XX/XX/2020 Bank Of America XXXX XXXX XXXX XXXX, Va XXXX Bankamericard Secured Credit Card Dear BANK OF AMERICA, I would like to ask you to reconsider my bankamericard secured credit card application. I recently applied and I was rather surprised to receive a denial regarding my secured credit card application because essentially and according to your website I was suppose to be guaranteed approval. According to your website, the bankamericard secured credit card requires you to place a refundable security deposit that serves as your credit line. 

In your letter, you listed that the reasons for the denial was because there were too many revolving credit lines. However, I have over 100 plus on time payments. My reasoning for choosing this card was due to the numerous positive reviews shared by my family and friends with respect to this card, and its great credit building tools for people with limited or bad credit. The reason for the acquisition of the bankamericard secured credit card is it will prove especially useful to me and help to improve my credit score and build credit over time, thus making certain types of transactions possible which would be advantageous for me. I sincerely believe that I deserve a chance with the bankamericard secured credit card so I can prove to you my reliability and loyalty to this bank. 



I thank you for your time and reconsideration and I hope to hear back from you soon. 

Best,

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 2020-10-10 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: NJ

Complaint narrative:
Experian received an Official Identity Theft and Fraud Report that was filed with a Official Federal Agency in charge of Enforcement. XXXX  received the Identity Theft and Fraud Report via Certified Mail # XXXX in which the certified was signed into Experian possession on XX/XX/2020. 

This certified mailing included An Official Identity Theft Report, a sworn Legal Affidavit, a sworn notarized statement of all the fraudulent accounts, as well as a sworn notarized statement of my identity. Experian is in violation of FCRA Section 605B ( A ) for the failure to block and suppress the Fraudulent Account From XXXX/XXXX.

Legal action will be filed in a Court of Law. Experian must delete the fraudulent account XXXX/XXXX  upon immediately receiving this complaint or Experians Registered Agent will be served with Legal Process in 3 days from now

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 2020-10-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
On XX/XX/2020 XXXX XXXX Hospital XXXX  send me to collections with CMRE for the balance of XXXX $ due to my daughter 's ER visit earlier this year. 

Totally to my surprise because my daughter was and is insured by the time she went to the ER. 

I've called them to asked numerous times why was I being charged but they keep sending me to different departments to the point that I had to call CMRE myself and let them know that this is a mistake. 

The answer was to wait 45 days before they can remove or resolve this issue. 

That was almost two months ago.

It's extremely unfair and is hurting my credit score tremendously, especially now. 

Thank you for your help in advance. 
Best regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: PENTAGON FEDERAL CREDIT UNION
State: MN

Complaint narrative:
On XXXX, I deposited a check for {$92000.00} to my XXXX XXXX XXXX account via a XXXX XXXX XXXX  ATM. 

On various calls XX/XX/XXXX - XXXX, the bank has told me : - conflicting reasons for the check being rejected - that the check was being returned to the issuing bank, not to me - that I would need to ask the check writer to talk to the bank to figure out why the check bounced. 

My account has had various fees and two checks marked as bounced which created a headache for me. On Friday the account was marked as having a very negative amount of funds available ( -180k or  so ). 

On XXXX I was charged a {$5.00} chargeback item fee. 
On XXXX I was charged two uncollected funds fees of {$10.00} each. These have since been refunded at my phone request. 

I reached out by phone to XXXX who is responsible for this check and : - The check was valid - The account had a balance large enough to cover the check - Her account with the bank has no record of that check attempting to be cashed

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 2020-10-10 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: FL

Complaint narrative:
id theft victim these accounts are not mine XXXX  XXXX XXXX XXXX XXXX XXXX XXXX not my account

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 2020-10-10 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: FL

Complaint narrative:
id theft victim these accounts are not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX not my account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10 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: FL

Complaint narrative:
id theft victim these accounts are not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX not my account

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 2020-10-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NC

Complaint narrative:
I am a victim of identity theft and have submitted a FTC and Police report to the credit reporting agencies, who then forwarded the information over to Genesis Credit Management. Genesis Credit Management has been reporting WRONGFULLY and INACCURATLEY for 1 year. Genesis Credit continues to remove the account from my credit report and then place it back on with an even high balance. I have NO knowledge of this account and have NEVER lived in the state of Colorado. Genesis had REFUSED to acknowledge the information that has already been provided to them. Genesis continues to harass me asking for signature samples which is NOT mandatory when they have received a FTC Identity Theft Report AND a police report and Genesis has CONTINUED to harass me and cause me to be wrongfully denied for credit violating my rights as a consumer. I will be in contact with attorney to pursue genesis in the court of law if this isnt resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Cancelled an order from XXXX, the charge remained on my bill after a refund was issued. I contacted Capital One Credit to resolve the dispute. Capital One issued a temporary credit to my credit account. After they investigated the dispute, Capital One concluded the merchant credited my account. The problem is the charge is still on my credit card bill. Capital One will not take the charge off my bill even though the merchant issued the credit. Date of charge is XXXX XXXX, I went to the store management gave me paper work for order. Its the same order that I canceled and they issued a re fund for {$26.00}. Which corresponds with the charge remaining on my credit card bill, the same date and amount, but capital One wont correct the mistake, it is their error not the merchant. This is the second time Capital One pulled this trick.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital one account have 2 late payments reporting and I've never been late on any of my capital one accounts and I have 4. It is showing XX/XX/2018 and XX/XX/2018. I need these late payments removed immediately because it is inaccurate and I've spoken to them and they would not remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10 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: DISCOVER BANK
State: NY

Complaint narrative:
XXXX  XXXX account have 2 late payments reporting and I've never been late on any of my XXXX XXXX   accounts and I have 4. It is showing XX/XX/2018 and XX/XX/2018. I need these late payments removed immediately because it is inaccurate and I've spoken to them and they would not remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
XX/XX/2016, {$4700.00}. This account was a paid account and is reporting charged off when in fact that it shouldn't be. It was a paid in full account. I requested it be corrected and haven't received a response.

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 2020-10-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: TN

Complaint narrative:
On XX/XX/2020, I XXXX XXXX called XXXX department stores to settle a charged off debt with XXXX. I spoke to an employee that worked with XXXX named XXXX and tried to settle the debt, but XXXX told me that the account was no longer with XXXX and gave me the phone number to Radius Global Solutions at : XXXX. I called Radius Global solutions and spoke with a collections agent there. I explained to her that I had spoken to an agent ( XXXX ) that worked at XXXX I was referred to their agency to settle a charged off account. The agent at radius Global Solutions collected some identifiable information from me and located my account. We made a verbal and recorded agreement to settle the account for 2 payments @ {$780.00} which the first payment was agreed to be debited on XX/XX/2020, and the final payment would be debited on XX/XX/2020. The first payment of {$780.00} was debited from my checking account as agreed. After Radius Global Solutions collected the first payment, i received a letter from XXXX, stating that I owed them an additional {$1800.00} for the same account that Radius had settled with me. Then on XX/XX/XXXX the final payment of {$780.00} had not been debited. I waited a few days and called radius to remind them to collect the final payment and the agent told me that XXXX had taken the account back. and i needed to call them. When i called XXXX, the agent denied the statement that was given by Radius Global Solutions. Then she tried to direct me to another collection agency called XXXX XXXX. I stated that i had already agreed to a settlement with the Radius Global Solutions LLC, whom XXXX sent me to in the beginning and they broke the agreement they made. I will not make any further agreements with another company. I feel that Radius Global Solutions, XXXX and XXXX are running fraudulent scams and i want them to remove this from 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 explanation
Consumer complaint received 2020-10-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: SC

Complaint narrative:
I am current with my bill with XXXX. I got an alert on my credit saying I'm derogatory on 120 with them on the remarks it says natural disaster. I been with this company for awhile years. I call billing. I asked why was I receiving a credit alert that I'm derogatory. What do I owe the representative say for some old equipment. I asked what kind of equipment he say internet and a modem. I say I have the same internet and modem since I been with you all. Why I'm getting charged for equipment that I'm using. I had no reason to turn it in. On my credit report you put that I'm late paying for it. I asked why all of a sudden I'm getting charged for something all the way from XX/XX/2020. You all say the equipment been missing from years and years ago. I call again yesterday the representative said it should of been resolved and she apologize. This affected my credit to drop tremendously. I was in the middle of the house buying process. I now have to wait until all this off my credit. It has set me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Universal Recovery Corporation
State: CA

Complaint narrative:
Recieved an artificially stamped envelope in my mail. No date. Stated : 'PAID -pci ' Debt Collector Name : Universal Recovery Corporation Apparent Creditor : Deciding to keep name private, since U.R.C may keep track of their accounts based on false Creditor Names. ( " The Creditor '' has an incredibly sketchy website ). So does Universal Recovery Corporation. Even XXXX told me to LEAVE THE SITE!! I have screenshots. The creditor claims to be an XXXX XXXX XXXX. I've never used them. I've only been with mainstream auto insurance companies. 
The reviews on XXXX for Universal Recovery Corp, are horrific, and the responses from the company is horrendous and in no sense professional for a " debt collecting agency ''. XXXX XXXX, is the appointed Supervisor, who has poor customer service reviews as well, and in her letter, she stated .. '' as required by law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations. " This whole notice says FRAUD!! The reviews say FRAUD!!

Company response to consumer: Closed with explanation