vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I never had a XXXX  XXXX card I never had a credit card ever in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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:
In XXXX of XXXX I called the creditor to defer my payments on the account due to COVID and the negative impact it had on my income. I was advised that this would NOT negatively impact my credit and was given a 60 day deferred payment. I called again on XX/XX/XXXX and was told that {$530.00} would be due on XX/XX/XXXX ( the agent I to spoke was XXXX ). I again asked for the reassurance that my account was at no risk for being in default or that it would be negatively reported to any of the credit bureaus. I was assured that due to COVID and entering into the deferment that it would not. 

I called again in XXXX for another 60 day deferment, at which point I also made a {$760.00} payment and was told there was then {$0.00} due. The agent told me my next payment would be due in XXXX. 

I received a call on XXXX from the creditor saying my last payment of {$760.00} did not go through and that I was 41 days past due!! I paid what I could totaling {$530.00} to bring the account current. The remaining amount of {$240.00} was scheduled on XX/XX/XXXX, with the next due date XX/XX/XXXX. 

I then found out my account was closed XX/XX/XXXX ( at which point I also made a payment of {$1500.00} on XX/XX/XXXX ) and was reported for 30 day lates on XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX!!!! I was SHOCKED to see this after what was communicated to me and given the circumstances during COVID. 

The result of this has greatly reduced my credit score and has put a hinderance on me and my family purchasing our new home. I feel I was poorly communicated to and was very misled on the outcome of my deferment after being VERY well assured that this would not impact 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 2021-03-09 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:
In XXXX of XXXX I called the creditor to defer my payments on the account due to COVID and the negative impact it had on my income. I was advised that this would NOT negatively impact my credit and was given a 60 day deferred payment. I called again on XX/XX/XXXX and was told that {$530.00} would be due on XX/XX/XXXX ( the agent XXXX to spoke was XXXX ). I again asked for the reassurance that my account was at no risk for being in default or that it would be negatively reported to any of the credit bureaus. I was assured that due to COVID and entering into the deferment that it would not. 

I called again in XXXX for another 60 day deferment, at which point I also made a {$760.00} payment and was told there was then {$0.00} due. The agent told me my next payment would be due in XXXX. 

I received a call on XXXX from the creditor saying my last payment of {$760.00} did not go through and that I was 41 days past due!! I paid what I could totaling {$530.00} to bring the account current. The remaining amount of {$240.00} was scheduled on XX/XX/XXXX, with the next due date XX/XX/XXXX. 

I then found out my account was closed XX/XX/XXXX ( at which point I also made a payment of {$1500.00} on XX/XX/XXXX ) and was reported for 30 day lates on XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX!!!! I was SHOCKED to see this after what was communicated to me and given the circumstances during COVID. 

The result of this has greatly reduced my credit score and has put a hinderance on me and my family purchasing our new home. I feel I was poorly communicated to and was very misled on the outcome of my deferment after being VERY well assured that this would not impact 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 2021-03-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Time Investment Corporation
State: NC

Complaint narrative:
Time Finance Service charged off the credit account on XX/XX/XXXX with the Charge off amount being {$840.00}. They have been increasing the balance of the account after it was charged off. Every month there is a charge of {$6.00}. The credit bureau reported on XX/XX/XXXX that the account balance was {$1200.00}. On XX/XX/XXXX, the account balance went up to {$1200.00}. An increase of {$6.00}. I understand that the account can be updated month to month but the balance isn't supposed to keep increasing after its charged off. I called the company on XX/XX/XXXX and asked them for a 1099 that shows the month to month balance of the account and they said " We don't pay you ''. I tried to get a copy of it, but they don't know what a 1099 is so it couldn't be provided. But I did provide attachments from the credit bureau showing these changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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: PA

Complaint narrative:
Equifax has handled a few disputes related to the account XXXX XXXX/ XXXX XXXX on my EQ credit report. Virtually no corrected information has been updated or added to the account has happened. 

XXXX XXXX  in XXXX of XXXX sent me a letter after a complaint was filed with the the cfpb containing what they claim is the correct account information and history for the XXXX account. using that same letter with information compared to the info listed on my EQ CR payment dates are incorrect, date of first delinquency is as well and other errors are present. 

unfortunately i have yet to dispute the account with the info in the XXXX letter, because a dispute filed on XX/XX/XXXX D # XXXX is currently at 43 days and counting. which includes an incomplete dispute of the XXXX  account. ( tried to update and cancel dispute early on, was turn down ) The account listed on my CR as XXXX is a charged off ( XX/XX/XXXX ) and closed account that was sold off ( XX/XX/XXXX ) and XXXX XXXX is no longer collection *above info taken from XXXX letter to me. * In XXXX of XXXX and XX/XX/XXXX EQ has listed C/O 90 day late payment negative marks on my EQ CR. for an account that has been closed since XX/XX/XXXX these countless errors in reporting this account has caused my credit great stress. but the erroneous missed payments for a closed account of over 5 years before has been a black mark on this CR for over a month. it single handily was the reason i was denied a car loan refinance 2 weeks ago. that 120 plus dollars a month and interest rate cut that i was depending on greatly for budgeting going forward. this account and its errors have been ignored across all 3 CRA to the point its laughable. But the parent company sending me a letter that contradicted all the almost all listed info in the accounts, should have fixed the issues. But, no EQ listed more errors and have left a dispute open over 2 weeks past 30 days keeping me from trying to fix this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I never had a capital one card I never had a credit card ever in my name

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-09 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: CT

Complaint narrative:
In XXXX I filed bankruptcy after the passing of my wife and being left with an abundance of medical bills for her care totaling {$500000.00} ; I knew that I would not be able to pay off this debt so I claimed bankruptcy. Last year I disputed the bankruptcy with all 3 of the credit bureaus : XXXX, Experian and XXXX  and after careful review and investigation XXXX Removed the bankruptcy under the Public Records Section.

To my chagrin I was very perplexed as to why it was not also removed from Experian as well as XXXX XXXX. On XX/XX/XXXX XXXX  stated the following on my credit report : Public Records 0 - " At this time, XXXX has no Public Records on file for you. Public Records are financial accounts attributed to legal actions from bankruptcies. '' Last month I mailed in Dispute Forms to Experian and XXXX XXXX with copies of my XXXX Report showing the removal of my Public Record - Bankruptcy.

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 2021-03-09 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate informations corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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:
XXXX  has done nothing to my FTC violations with all the proof giving

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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:
experian has done nothing to my FTC violations with all the proof giving

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 2021-03-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XX/XX/21, I made a payment to my Synchrony bank credit account using my credit union checking account. For some reason, Synchrony decided to debit my personal checking account instead. Both accounts are on file with Synchrony bank 's online payment system. When I noticed the charge to my personal checking account on XX/XX/21, I immediately contacted Synchrony Bank. They claimed that payment was made from my personal checking account, but I am absolutely positive that I did not authorize my payment to be deducted from that account. I asked if they could correct the error and debit the correct bank account and I was told that they were not able to reverse the payment. In XXXX, when I attempted to pay my bill using my credit union account, the payment did not process. At that time, I reprocessed my payment using my personal checking personal account. Synchrony bank has decided that it is okay to debit my personal checking account with my authorization.

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 2021-03-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
It has been 3-4 months since my American Express membership reward account being put on review. Whenever I tried to use my reward account, I would received this notice below : This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. 

I tried to contact customer services multiple time on : 1 ) why it was reviewed? 2 ) when the review is expected to be completed? 3 ) when can I use my Amex reward point balances again? However, customer service can not provide any update nor give me any info on what I can do to help with the review process.

Ive been a long time American Express customer, and normally pay all my balances on time and maintain a good standing with the company, so I am not sure why I got put on review for so long. Further, there are no transparency in this review process, so I would like to get help to get a response from the Company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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: MI

Complaint narrative:
I am disputing this wrong inaccurate info on my report today I do not know what this is I contacted the creditors and credit companies but they all provided me with no information showing i gave my consent to open these accounts. 

XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXk/XXXX XXXX XXXX XXXX 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 2021-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Hi I have a claim denied on Bank of America for the amount of {$120.00} due to fraud associated to my account. However I called to get more information as to why it was denied as they stated upon to exact information being wrote as to myself as if I did this transaction which I did not and this was around the holidays. Around each year around the holidays I always experienced fraud with them I never had a problem with denied claims as to now. Im in shock I am assuming someone close to me may have gotten to my info to do this transaction without my permission to this merchant. I would hate to close my account and move to a different bank due to this matter I have been with them for several years. But I do received a lot of fraud around the time of the holidays each year.

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 2021-03-09 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I sent my dispute and to Equifax on XX/XX/XXXX For unauthorized inquiries XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX they did not respond within the 30 days which according to the Fair Credit Reporting Act they have 30 days to respond or must be deleted it also according to the Fair Credit reporting act anything inaccurate or unverifiable must be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I was at my friends house for a party on XX/XX/XXXX than I woke up the next morning and my car was missing along with my Wallet when I left in the car so I I file a police report on the XXXX and then on the XXXX I found out there someone use my debit card to withdraw XXXX $ Plus they also rented a hotel room I jist want my XXXX $ dollar but Wells Fargo say they didnt find anything fraudulent. As soon as I found out my wallet was missing I report jt stolen right away I even sent them a copy of the police report. They found my car on the XXXX or XXXX I think and it was total there was nktjnf left in it so now Im out of a car and out of 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 2021-03-09 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: MI

Complaint narrative:
I am disputing this wrong inaccurate info on my report today I do not know what this is I contacted the creditors and credit companies but they all provided me with no information showing i gave my consent to open these accounts. 

XXXX  XXXX XXXX XXXX XXXX  XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX  XXXX  XXXX  XXXX XXXX/XXXX  XXXX XXXX  XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Trans union is negatively Reporting on unauthorized inquiries to my credit I sent my dispute on XX/XX/XXXX for the inquiries  of XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX today is XX/XX/XXXX and they have not Responded according to the fair credit reporting act they have 30 days to respond or must be deleted Also according to the fair credit reporting act Anything unverified or inaccurate must be deleted

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 2021-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Well I have numerous accounts with almost all the credit score companys and I have a three scores from all three companys but for some reason when someone does a credit check on me the credit score that they have which always disqualifies me is because the number is way inaccurate and I'm talking real bad like today expirian shows me that I have a XXXX credit score but I just received an email from a loan company stating that my credit score with expirian is XXXX. Now thats a huge difference and like I said I believe that it's not doing anything but making my credit look more worse then it already is. So who's in the wrong or who has the wrong information and can this be fixed

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 2021-03-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I have attached my SS Card and DL for proof of ID. I HAVE A UNRECOGNIZED THAT INQUIRES HAVE REQUESTED REMOVED DUE TO FRAUD RELATED ISSUES IN THE PASSED I RECENTLY HAD A FREEZE NOT TO LONG ALONG SO NOT SURE HOW I GOT A INQUIRE FROM XXXX  XXXX XXXX  XXXX ON XXXX. PLEASE DELETE THIS INQUIRES. I HAVE NEVER HAD A XXXX  XXXX 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 2021-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I have a student load that has continued to show on my credit report origination with XXXX XXXX I am part of the lawsuit to my understand and have yet to see it removed or close. they have frozen any payment req for 5 years yet it is still affecting me and should have been removed by this time. Currently, the loan is shown with a collection agency Nelnet unable to get little to no information from them.

Company response to consumer: Closed with explanation