vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-31 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: PA

Complaint narrative:
I asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company with police report number and letter that I received from my local police department and a FTC report and my identification card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular American citizens that served this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get justice and I will file a law suit pending the outcome of this complaint. Thanks again

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Due to the pandemic, my business revenue fell to nearly zero early and mid 2020. I contacted all creditors to make payment arrangements. During this time the Cares Act obligated creditors to report accounts as current ( or not to report any delinquency ) during the pandemic as long as I was in touch and worked out arrangements. Which I did with all creditors. However, three creditors DID report delinquent payments on my XXXX  and XXXX  credit reports, significantly impacting my rating and score.

These three creditors include XXXX, XXXX, and Wells Fargo. When I found this out I disputed the incorrect data directly with Transunion and Experian. They did not take any action to correct it. Then I contacted each one of the credit card companies to ask directly to correct these mistakes and NONE of them have gotten back to me. They have not even responded on way or the other. This has been over the past few weeks. I have not received any letters or emails with a resolution. Since conversations about this were by phone, I do not have any documentation directly from the credit card companies other than the data from them my XXXX  and XXXX  credit reports. 

Specifically, XXXX reported me 30 days past due on XX/XX/2020 on both XXXX  and XXXX. XXXX reported me past due on XX/XX/2020 on both reports. Wells Fargo was the worst, they reported me XXXX past due for three months in a row : XX/XX/2020, XX/XX/2020, and XX/XX/2020 on both reports. My XXXX  report is correct and shows no erroneous reporting.

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 2021-07-31 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: DISCOVER BANK
State: FL

Complaint narrative:
Due to the pandemic, my business revenue fell to nearly zero early and mid 2020. I contacted all creditors to make payment arrangements. During this time the Cares Act obligated creditors to report accounts as current ( or not to report any delinquency ) during the pandemic as long as I was in touch and worked out arrangements. Which I did with all creditors. However, three creditors DID report delinquent payments on my XXXX  and XXXX  credit reports, significantly impacting my rating and score.

These three creditors include XXXX, Discover, and XXXX XXXX. When I found this out I disputed the incorrect data directly with XXXX  and XXXX. They did not take any action to correct it. Then I contacted each one of the credit card companies to ask directly to correct these mistakes and NONE of them have gotten back to me. They have not even responded on way or the other. This has been over the past few weeks. I have not received any letters or emails with a resolution. Since conversations about this were by phone, I do not have any documentation directly from the credit card companies other than the data from them my XXXX  and XXXX  credit reports. 

Specifically, XXXX reported me 30 days past due on XX/XX/2020 on both XXXX  and XXXX. Discover reported me past due on XX/XX/2020 on both reports. XXXX XXXX was the worst, they reported me XXXX past due for three months in a row : XX/XX/2020, XX/XX/2020, and XX/XX/2020 on both reports. My XXXX  report is correct and shows no erroneous reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Action taken by company : XX/XX/21, XXXX XXXX XXXX, I received a letter from CACH , LLC on XX/XX/21 Received a letter from this attorney office with an original Creditor acct # ; stating that I have an account that they purchased. I don't know of this company, XXXX XXXX XXXX nor purchased anything from XXXX XXXX XXXX. My personal information was jeopardized from my work and also by XXXX. CACH , LLC purchased a XXXX XXXX XXXX balance : XXXX ; offering XXXX to resolve debt with account from XXXX XXXX XXXX XXXX and has been placed with CACH , LLC agency. 
CACH , LLC letter states : Unless I notify the office CACH , LLC, within 30 days after receiving this notice that I dispute the validity of the debt or any portion thereof, there office will assume this debt is valid. 
If I notify there office within 30 days after receiving this notice that I dispute the validity of this debt or any portion thereof, this office will obtain verification of the debt or obtain a copy of a judgement and mail a copy of such judgement or verification. If I request from CACH , LLC office in writing within 30 days after receiving this notice, CACH , LLC will provide the name and address of the original creditor, if different than current creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 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:
fdcpa letter and ftc report attached

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
On XX/XX/2021, my former phone company ( XXXX  ) overcharged me for service. The company wasn't answering emails or phone calls and it was the second time I had issues with them, so I contacted USAA bank to dispute the charge.

I told the representative that I was overcharged, and they repeated the issue to confirm.

I wasn't aware that the representative filed the wrong dispute reason ( duplicate charge ) requiring specific evidence ( proof of payment via other means ). I received a document via USAA 's web notification system with the evidence request, called for clarification, and the representative assured me that my issue was being corrected.

I uploaded all of the documents related to the purchase, and previously received a provisional credit and had no reason to believe that there was a problem. 

On XX/XX/2021, the credit was reversed. This triggered multiple NSF fees and a total debt of almost {$300.00} due to bank error. 

I have been contacting USAA every day since XX/XX/XXXX to resolve the issue. I have to start from scratch constantly, including the representative matter-of-factly asking for evidence of the original incorrect dispute reason. 

After explaining the issue, multiple representatives have told me they corrected the dispute reason. The first correction was on the day of the dispute, XX/XX/XXXX. Another correction was on the XXXX. 

I have lost count of how many times a representative has claimed to fix the issue and started a 7-10 business day timer for a resolution. It is the same answer every time.

Since then I have spoken with multiple members of the Executive Resolution Team,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
In the year XXXX my credit score was a XXXX. I applied for credit in the year XXXX and was rejected with a XXXX credit score. I obtained a rental apartment and have been paying rent for two years. I have not applied for any forms of new credit during my two years renting at my apartment. Today, XX/XX/XXXX, I applied for a XXXX XXXX  XXXX XXXX and was denied with reason my credit score is a XXXX. I am complaining to the credit bureaus that they keep dropping my credit consumer score to very low levels. This is not the first time my credit score dropped very low and each time I work very hard to reestablish my credit image. I work very hard to reestablish my credit image and when I am not paying attention to my credit score, then i find out that my credit score has dropped again. There is no reason why the credit score should drop ; in fact, my score should be increasing with my rental payments. This is psychological abuse of character and defamation of financial image. I realize my credit score can not grow because the bureaus keep dropping my credit score to crippling unreasonable score levels. I am born in America and a citizen of this country but my credit score is that of a foreigner who has just arrived at this country and is a student. I have almost XXXX years of credit history in America. I am shocked to learn that in XXXX  XXXX years as an American citizen my credit score is a XXXX. When will this attack stop!

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 2021-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
In the year XXXX my credit score was a XXXX. I applied for credit in the year XXXX and was rejected with a XXXX credit score. I obtained a rental apartment and have been paying rent for two years. I have not applied for any forms of new credit during my two years renting at my apartment. Today, XX/XX/XXXX, I applied for a XXXX XXXX  XXXX XXXX and was denied with reason my credit score is a XXXX. I am complaining to the credit bureaus that they keep dropping my credit consumer score to very low levels. This is not the first time my credit score dropped very low and each time I work very hard to reestablish my credit image. I work very hard to reestablish my credit image and when I am not paying attention to my credit score, then i find out that my credit score has dropped again. There is no reason why the credit score should drop ; in fact, my score should be increasing with my rental payments. This is psychological abuse of character and defamation of financial image. I realize my credit score can not grow because the bureaus keep dropping my credit score to crippling unreasonable score levels. I am born in America and a citizen of this country but my credit score is that of a foreigner who has just arrived at this country and is a student. I have almost XXXX years of credit history in America. I am shocked to learn that in XXXX  XXXX years as an XXXX citizen my credit score is a XXXX. When will this attack stop!

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 2021-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX XXXX  XXXX sold my debt that I allegedly owed them. Now XXXX  XXXX XXXX is reporting on my consumer report that I owe them money. Under payment status on my consumer report the debt is marked Charge Off. A charge off means " a lender or creditor has written the account off as a loss, and the account is closed to future charges ''. Which means the company has wrote it off on their taxes as a loss & they technically got their money back on a tax break. Then turned around & sold it to the public which means they committed fraud & got double their money back!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 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: Paramount Recovery Systems, L.P.
State: NE

Complaint narrative:
I have disputed the duplicate listing twice now and have tried with XXXX  and the company to have the duplicate removed. The company has refused and XXXX  did nothing to investigate the duplicate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have sent in letters regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items with 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: TX

Complaint narrative:
I recent filed a complaint against XXXX XXXX XXXX and several other companies that has been harassing me. XXXX XXXX XXXX has been selling my information to different companies for different amounts of owed debt. I am not liable for the debt owed as explained and solved in my previous disputes. XXXX XXXX XXXX have tried to collect debt from me through 3 different companies and has been unsuccessful due to recent investigations. I disputed Sequium XXXX solution a company that was reporting for XXXX XXXX XXXX and trying to collect a debt in the amount of XXXX After a thorough investigation The account was deleted. There was also a company XXXX XXXX XXXX, inc contacting me about the same debt with a different amount for XXXX, threatening to attach an inaccurate account to my credit report. In the recent complaint I ask them to do not contact me, since then I have been harassed with letters. I received a copy of a bill which violates section XXXX. I canceled my account with XXXX XXXX XXXX XX/XX/2019 and returned the equipment due to the service not working properly in my area. XXXX XXXX XXXX attempted to go into my checking account in XX/XX/2019 and take an unauthorized payment after my service was canceled. I am not liable for the debt owed to XXXX XXXX XXXX. I was also told by a represented at XXXX XXXX XXXX that I would not be charge due to a technician having to come out twice in same month. After canceling my service I received a bill. Im now facing harassment for a new company XXXX for the same account but a different amount owed. I would like this company to stop harassing me about charges I do not owe and delete this inaccurate and negative account from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Remove XX/XX/2021 inquiry from credit reporting bureaus. The credit score used to generate a credit denial for XXXX XXXX XXXX line of credit is wrong. The credit score is wrong that caused the denial. I have opened complaints on all credit bureaus to correct the credit scoring.

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 2021-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
About six weeks ago I opened a Chase Total Checking account and all went well. In fact, I was so impressed with the service I planned to open a business account until the events of the last few days. On or about XX/XX/2021, I opened a cash management account at XXXX. On XX/XX/2021, I asked XXXX to transfer {$100.00} from my Chase Total Checking account to my XXXX XXXX account which was done. 

On XX/XX/2021, I asked Chase to link my Total Checking account to my XXXX XXXX account. This is THE SAME ACCOUNT FROM WHICH THE INITIAL DEPOSIT WAS MADE BY XXXX WITHDRAWING THE MONEY FROM MY CHASE ACCOUNT. 

Chase set up two trial deposits which I reported and then Chase stated this XXXX XXXX account was linked. On XX/XX/2021, I attempted to make a transfer thru my Chase account to withdraw {$100.00} from my SoFi account. Then all XXXX broke loose. 

My account was frozen SO THAT I COULD NOT READ ANY MESSAGES AS TO WHAT HAD HAPPENED. An email cited " suspicious activity. '' I discovered this at XXXX XXXX  ( I trade the world 's financial markets from XXXX XXXX  to XXXX XXXX  eastern time ). I was told that I had to wait until XXXX XXXX  for clarification. I spoke to two people and after one hour of " validation '', my account was unfrozen. I was told that the reason for the freeze was the inability to validate the account at XXXX XXXX which made no sense since Chase sent money to this very account and verified it with two trial deposits. I asked twice for a written explanation and they refused stating that I must call.

I would like a written explanation of the problem and why I needed to be damaged by the freezing of my account. It cost me thousands of dollars in wasted time from the markets to play these games with Chase. A simple refusal of the transfer and a written explanation of why would have sufficed. Chase seems to be drunk with power.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Remove XX/XX/2021 inquiry from credit reporting bureaus. The credit score used to generate a credit denial for XXXX XXXX XXXX XXXX XXXX XXXX  is wrong. The credit score is wrong that caused the denial. I have opened complaints on all credit bureaus to correct the credit scoring.

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 2021-07-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: OH

Complaint narrative:
I settled an XXXX XXXX XXXX debt with XXXX XXXX XXXX XXXX on XX/XX/XXXX for {$350.00}. XXXX XXXX XXXX accepted the {$350.00} payment on XX/XX/XXXX ; however, they refuse to acknowledge the settlement. They sent the remaining balance to a new collection agency named XXXX XXXX in XX/XX/XXXX. I disputed with XXXX and sent them a copy of the settlement agreement, so they didn't collect any longer. XXXX XXXX XXXX sent this to a new collection agency in XX/XX/XXXX which resulted in another collection account on my credit report XXXX XXXX causing my score to drop 40 points for a debt I settled over a year ago. I've made numerous attempts to XXXX and XXXX XXXX XXXX over the past year without luck. XXXX says it's XXXX XXXX XXXX 's fault and XXXX XXXX XXXX says it's XXXX 's fault. They each point fingers at each other and no one will take ownership to help resolve. Additionally, XXXX XXXX XXXX complaint and dispute department refuse to provide an email, fax, or address to send proof of the settlement or to make a complaint. The last two managers I spoke with were XXXX employee ID XXXX and XXXX XXXX. I've attached a copy of a reproduced settlement letter from XXXX XXXX they resent to me XX/XX/XXXX from the XXXX settlement and a copy of my bank statement on pages 2 and 5 of 10 will show this amount coming out of my bank account.

Company response to consumer: Closed with explanation