vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
In XX/XX/XXXX, I contacted the three credit bureaus, creditor Capital One, and creditor XXXX , XXXX . to dispute and request removal of negative account information ( 30 day late payment history ) from XX/XX/XXXX through XX/XX/XXXX, for two Capital One accounts and one XXXX account. I received a response stating, " the FCRA requires the accurate reporting of account history and the investigation shows the information on the credit report is correct. '' I was enrolled in a financial debt management program with XXXX  starting XX/XX/XXXX. XXXX and Capital One, along with other creditors, approved of the proposal by XX/XX/XXXX. According to the credit reports, the late payments occurred during the first 90 days of enrollment. I was not allowed to pay the credit card company directly once I was enrolled in the program. My payments were managed by XXXX and I was not in control of the payments nor was I aware that any payments were late. No other creditors who participated in the program with XXXX reported negative information during that time. I paid all outstanding balances and successfully completed the program in XX/XX/XXXX. 

In XX/XX/XXXX, contacted XXXX and they informed me that both Capital One and XXXX approved of the proposal and received on time payments. I participated in a phone conference with XXXX and a Capital One Debt Management representative named XXXX XXXX. I also submitted supporting documentation to the credit bureaus and creditors that shows the date I was enrolled in XXXX. I also pointed out that I had years of on time payments prior to my enrollment in the financial debt management program. 

As a consumer in the program and no longer in direct contact with the creditors, I had no control of nor knowledge that the payments were paid late since they were made by a third party. According to XXXX, the payments were not submitted late but the creditors reported that they were. Furthermore, a review of my account will reflect that I had several years of on time payments prior to enrolling in XXXX. If I would have known there was going to be an issue with payments for the first 90 days, I would have worked out an arrangement between XXXX, XXXX, and Capital One to continue making on time payments and to preserve my positive credit history to avoid having the negative information reported to the credit bureau. 

Based on the circumstances in this case, including my past history of several years of on time payments prior to enrolling in XXXX, and payment of the debts in full, I requested that the 30 day late payment history from XX/XX/XXXX - XX/XX/XXXX, from XXXX and Capital One accounts be removed from the credit bureau reports but my request was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Hello, I reviewed A copy of my credit report and it shows the inquiries above are fraudulent and i have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home. 

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 XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX  - Equifax XXXX Equifax XXXX - Equifax XXXX - Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I submitted a dispute with XXXX XXXX XXXX XXXX, and with all three credit bureaus for inaccurate and unverifiable information with a charge off the is being reported on my credit report. There is a charge showing with XXXX  in the amount of {$4.00}, XXXX- {$8300.00}, and Experian is reporting {$4000.00}. There are multiple inaccurate with this report. 

1. The balances dont match.

2. the late payments dont match 3.This account has not been verified by the credit burueas I asked them to send me a copy of the sell and what they for the vehicle, and a proof of debt them and XXXX XXXX failed to provide me with any of this information.

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 2021-05-05 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2021-05-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CMG Financial Services, Inc.
State: SD

Complaint narrative:
We have our mortgage with CMG Financial. They had applied a payment incorrectly that they received XX/XX/XXXX. I made a payment in XXXX while waiting for them to fix the original payment and they made a dual in XXXX. We filed for a forbearance due to COVID and not being able to work for 2 weeks and with our payment being pulled twice really put us in a difficult financial situation. The forbearance was filed XX/XX/XXXX. I contacted them XX/XX/XXXX and discussed a deferment. XX/XX/XXXX I called to check on the deferment and was told there is no record of me applying. I requested to apply for the deferment again and was told it could take up to 30 days to process. I did not hear from them or receive any documents so I called back in XX/XX/XXXX. Again I was told there was no record of my applying for a deferment I asked of there was a paper application or something I could do differently to ensure the deferment application is filed and was told no that they would ensure it gets taken care of. I still did not hear anything from CMG I called on XX/XX/XXXX and spoke to a manager after being told they do not have anything on record of me ever calling or applying for a deferment. They discussed foreclosure or shortage and asked if I could pay the entire XXXX this day. When the manager got on they stated that there was a mistake and she could see my application and I was approved for the deferment and I would be receiving documents in the mail. I called back in today to make XXXX 's mortgage payment because it won't let me online and again was informed there was no record of an application for a deferment. I contacted a housing counselor who called in with me and after speaking with the housing counselor the representative from CMG with employee ID number of XXXX stated he needed to document some things and he would be right back with us and put her on hold for 45 minutes and never came back on the line. They can not apply the payments I have made correctly, their online banking won't let me make a payment online, and they refuse to file my deferment application. I honestly do not know what to do to make my mortgage payment and not have my home foreclosed on.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/2021 I did a XXXX transfer of {$350.00} through Chase and it end up being a scam. I contacted Chase and I opened a claim which was denied a few days after. I was asking for my money back due to the scam and the transfer being through Chase but still got denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 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: GA

Complaint narrative:
My federally protected consumer rights were violated because Transunion furnished false information without my written consent. I never gave Transunion any written instructions to furnish anything on my consumer 's report. No consent is Identity Theft and infringement on my Consumers right to privacy. Based off Transunion violating my Consumer rights, I am unable to apply for any Consumer credit for my personal as well as my business. These violations are hindering me from purchasing a mortgage and vehicle for my family. Furthermore, I am humiliated as well as dealing with XXXX and stress because of these 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 2021-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I WAS A VICTIM OF IDENTITY THEFT AS A RESULT THESE ACCOUNT WERE OPEN UNDER MINE AND TAXES WHERE FILE UNDER MY NAME AND THESE COMPNAY REFUSED TO REMOVED THESE FRAUDELENT ACCOUNT FROM MY REPORT THAT ARE NOT MINE I HAVE PROVIDED THEN WITH ALL XXXX BANK OF AMERICA # XXXX .... 
XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX 
XXXX XXXX XXXX # XXXX 

I have provided you all document of the illegality. 
Of this account. 
1- Federal Trade Commission Report 2- XXXX XXXX sheriff 's Report 3-Identity Theft Victims Complaint Affidavit 4- IRS Identity Theft Affidavit

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 2021-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I submitted a dispute with XXXX XXXX XXXX XXXX, and with all three credit bureaus for inaccurate and unverifiable information with a charge off the is being reported on my credit report. There is a charge showing with Transunion in the amount of {$4.00}, XXXX {$8300.00}, and XXXX is reporting {$4000.00}. There are multiple inaccurate with this report. 

1. The balances dont match.

2. the late payments dont match 3.This account has not been verified by the credit burueas I asked them to send me a copy of the sell and what they for the vehicle, and a proof of debt them and XXXX XXXX failed to provide me with any of this information.

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 2021-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I submitted a dispute with XXXX XXXX XXXX XXXX, and with all three credit bureaus for inaccurate and unverifiable information with a charge off the is being reported on my credit report. There is a charge showing with XXXX  in the amount of {$4.00}, Equifax- {$8300.00}, and Experian is reporting {$4000.00}. There are multiple inaccurate with this report. 

1. The balances dont match. 
2. the late payments dont match 3.This account has not been verified by the credit burueas I asked them to send me a copy of the sell and what they for the vehicle, and a proof of debt them and XXXX XXXX failed to provide me with any of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I pulled my credit report and noticed inaccurate and unauthorized information reporting on my behalf, and it is to my knowledge per the Fair Credit Reporting Act ( FCRA ) that any inaccurate or unverifiable items be removed. I am therefore requesting that the inaccurate information be removed from my credit report. The following account is not mine and need to be removed : XXXX XXXX XXXX XXXX I've also submitted an FTC report which I attached.

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 2021-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
As a gesture of goodwill, could you please request AMEX to remove the one time late payment on XX/XX/2020. Ive been on time payments with them ever since. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 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: VA

Complaint narrative:
I have received a copy of my credit report and it shows company XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX VA XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$1400.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 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: VA

Complaint narrative:
I have received a copy of my credit report and it shows company XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$1400.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

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 2021-05-05 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: EQUIFAX, INC.
State: LA

Complaint narrative:
theres an account from XXXX XXXX  that was legally disputed and removed of my credit report more than 4 years ago. now reapear back on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc.
State: CA

Complaint narrative:
I am unable to withdraw cryptocurrency from my account. I am getting an error risk management. I already deposited money to my account to bring it to a positive balance. There should be no issue. I am unable to get a answer from anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have received a copy of my credit report and it shows company XXXX XXXX VA account number. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$6600.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

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 2021-05-05 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: CURO Intermediate Holdings
State: VA

Complaint narrative:
I have received a copy of my credit report and it shows company XXXX XXXX XXXX ( Original Creditor : XXXX SPEEDYCASH COM XXXX VA ) account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$1400.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report it has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-05 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: NJ

Complaint narrative:
Money was removed from my direct express social security card.my XXXX removed XX/XX/XXXX, the deposit arrived XX/XX/XXXX. The total amount removed from my account {$970.00} during the fourth quarter XXXX. I FOUND THE TOTAL STOLEN ONCE INVESTIGATING THE XXXX INCIDENT. For 90 days I requested help. Instead I was stalled, ignored, misdirected, hung up on. No provisional credit was issued. XXXX touted the cards safety. All lies.Certifued letters, faxes, e mails, have all gone unanswered.Direct Express or Comerica claim they can't help.Apparently thousands of others are having the same problem. DIRECT EXPRESS AND COMERICA ARE AGENTS OF THE TREASURY. Ithink they may be directly involved in the fraud.Simply don, t want to refund the losses. I WANT MY {$970.00} RETURNED.They have complete substantiation. PLEASE inform the FBI.and provide visibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC
State: SC

Complaint narrative:
Jefferson Capital had called my place of work numerous times. I have looked on my credit report and I have nothing in collections from this company. I also have never received anything in the mail from them. I do not know why they would call my office repeatedly. The office staff tells them I am not in the office. They also are very rude and aggressive with the office staff. I finally called them back and gave them my phone number, not my employers phone number, and they had no record of me in their system. I told them to stop calling my employer. They have never once tried to reach me personally or through mail. I have no idea what this is in regards to, like I said before nothing is showing up on credit reports.

Company response to consumer: Closed with explanation