vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I closed My Account With Capital One Credit paid in full Card 6-9 Month ago and cut up the card .now I'm getting reports from capital one in the name of XXXX XXXX stating to Visit the Alerts section of XXXX  from Capital One such as Heads up : A lender reported that the status of your account delinquent Account as well as View your alerts for credit report changes, use of your SSN with a different name or address, or dark web activity associated with your identity.

Stating I Have derogatory status I Paid all Creditor except New mortgage i explain to creditors i need 30-60- days to pay off Car Payment plus all credit card which I did XX/XX/XXXX Email Found on Dark Web XXXX XX/XX/XXXX Breached Site : XXXX Password : Not Exposed Your email has been exposed on the dark web. Don't worry, we'll help you get through this. Before you take action, be sure to review all the information below. 

also Date found on dark web XX/XX/XXXX What should I do? 
You should reset the password for your email account along with any other accounts associated with your email address. Tap on the " Let 's Take Action '' button to learn more about creating strong passwords and checking for signs of fraudulent activity. 
Why am I getting this alert? 
Helping you keep tabs on your personal information is a top priority, so we'll regularly scan the dark web for your SSN and email address. We'll send you an alert if we find your SSN or email somewhere suspicious. Learn more about alerts. 
The only person causing this problem is a company I paid off months ago XXXX XXXX XXXX Account Balance {$25000.00} paid in full XXXX Paid In full as agreed XXXX   XXXX XXXX Account Balance {$25000.00} -- Paid In full as agreed XXXX XXXX XXXX Account Balance {$1700.00} Paid In full as agreed XXXX XXXX XXXX XXXX paid off by new owners New Account XXXX XXXX  XXXX Please correct this Error with this company or Dark Web

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Date incident occurred : XX/XX/XXXX Date contacted Chase : XX/XX/XXXX Transaction Amounts : {$800.00}, {$500.00} I contacted Chase on the morning of XX/XX/XXXX when I noticed that my debit card was missing. I noticed that there was two new withdrawals ( {$800.00}, {$500.00} ) that I did not withdrawal. I reported the withdrawals to Chase that same morning. I told Chase that I had my card number written on my card because I have a babysitter that uses my card for my daughters needs while I work. Chase told me that they were going to reverse the money back into my account and investigate. Chase then contacted me a week later and told me that they were going to send me two papers that I needed to sign so they could further investigate the issue. I returned the papers and two days later I received a letter stating that my claim was denied. I contacted chase and asked them why and they continued to state that I still had my card when these transactions were made and that the person that used my card didnt put the pin in multiples of times ( WHEN I TOLD THEM MY PIN WAS ON MY CARD ) and they also said because a XXXX XXXX automatic payment came out of my account on XX/XX/XXXX. I continued to tell chase that I did not have my card and that the XXXX XXXX automatic payment was processed on XX/XX/XXXX. Chase then asked me if I had documentation like a work schedule that could prove that I did not make these transactions. I provided Chase with my work clock in/outs and dates. My work schedule said I was at work from XXXX the day of the incident. The fraudulent transactions were made in an area that is 2 hours away from where I live/work. One day after providing Chase with my work schedule they still stated that my claim was denied. Chase then sent me to the executive claims department in which a lady named XXXX said that she was going to look further into my claim and get back with me. XXXX never contacted me once I contacted XXXX numerous of times and left messages in order for her to call me back regarding my claim. XXXX contacted me back and told me that she looked at my claim and that my claim was still denied. I asked XXXX why and she said that the dates did not add up. I told them I was taking this to court in which Im in the process of doing so. I was without any money for two weeks. I could not buy gas, food or diapers for my daughter and my account is still in the negative.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

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 2018-11-21 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: GA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified. XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

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 2018-11-21 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: GA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft 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 2018-11-21 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: GA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft 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 2018-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
My Name : XXXX XXXX XXXX & XXXX XXXX DOB:XX/XX/XXXX SSN : XXXX CFPB Complaint ID:XXXX Complaint to Capital one Bank Hello, my name is XXXX XXXX, on XX/XX/XXXX , I opened a joint account with Capital One ( routing number : XXXX, account : XXXX ). 
I received a respond from Capital one Bank, but I disagree with what their responded. I did everything they told me to do, my friend and I went to XXXX XXXX many times. funds had already transferred to Capital One long time already so they could not do anything. 
I need a better solution. I hope someone can help me, I just want they return the funds to me or my friend accounts 1. Name : XXXX XXXX & XXXX XXXX ( XXXX XXXX ) Phone # XXXX Check Date:XX/XX/XXXX Check # XXXX Account # XXXX Routing # XXXX Check amount : {$3600.00} 2. Name : XXXX   XXXX XXXX ( XXXX XXXX ) Phone # XXXX Check Date:XX/XX/XXXX Check # XXXX Account # XXXX Routing # XXXX Check Amount : {$5000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
XXXX has been non-compliant with removing the unverified account CHASE CARD which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that CHASE CARD was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-21 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: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
XXXX has been non-compliant with removing the unverified account AMERICAN EXPRESS which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that AMERICAN EXPRESS was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-21 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
XXXX  has been non-compliant with removing the unverified account SYNCB/XXXX  XXXX  which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that SYNCB/XXXX XXXX was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

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 2018-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: STATE EMPLOYEES CREDIT UNION
State: SC

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified. XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21 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: Choice Recovery, Inc.
State: OH

Complaint narrative:
Choice Recovery is still reporting 4 individual derogatory remarks on my transunion credit report for XXXX XXXX XXXX. 
All 4 are from the same day for the same thing on XX/XX/XXXX. That is more than 6 years ago. My ChapterXXXX bankruptcy was discharged on XX/XX/XXXX. 
Also i thought there was legislation that passed in XXXX prohibiting medical from being reported.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: SC

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified. XXXX   have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE
State: SC

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified. XXXX   have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

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 2018-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified. Equifax have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I had/have a student loan with Navient as the holder. I filed for bankruptcy in 2009 and tried to get them to help me lower my monthly payments at that time and multiple times after that only to be told my only option was to go into forbearance. Well a loan that was around {$15000.00} has now progressed into a loan that is over {$28000.00}. I begged to get the monthly payment lowered until I could pay more but was told it was not possible. I was willling to make payments but they instead just put me off every time and I accrued a ton of interest that ruined me. This is unacceptable for any company to benefit from someone else 's downfall. Please help me fix or make them accountable for their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21 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: CREDIT ACCEPTANCE CORPORATION
State: CA

Complaint narrative:
XXXX has been non-compliant with removing the unverified account CREDIT ACCEPTANCE CO which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that CREDIT ACCEPTANCE CO was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

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 2018-11-21 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: Thaxton Investment Corporation
State: TX

Complaint narrative:
XXXX  has been non-compliant with removing the unverified account XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
I called to dispute a transaction and was given a reference # in the mean time I was getting charged numerous overdraft fees. In that time I had {$200.00} + credited to my account but instead Wells Fargo deducted it from my account. No action was token by them and closed 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 2018-11-21 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: FL

Complaint narrative:
I am deeply hurt seeing this! I am working my way out of debt. I paid every single account I have on my list. Closed some and retained some. It was not easy because I force myself not to buy things i want. I hope you understand the dilemma I'm going through..I always track my bills, I contacted the credit bureaus, to reverse the late payments but they never fix this matter, this is an error, I was not late on 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 2018-11-21 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: FL

Complaint narrative:
I am deeply hurt seeing this! I am working my way out of debt. I paid every single account I have on my list. Closed some and retained some. It was not easy because I force myself not to buy things i want. I hope you understand the dilemma I'm going through..I always track my bills, I contacted the credit bureaus, to reverse the late payments but they never fix this matter, this is an error, I was not late on XXXX XXXXXXXX

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 2018-11-21 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: BANK OF THE WEST
State: WA

Complaint narrative:
Bank of the West is reporting a 30-day late for XX/XX/2018 on my RV loan which is incorrect ( to all 3 credit agencies ). I my payment on XX/XX/XXXX for {$220.00} as I have each month, and received a payment confirmation number. 

Bank of the West reversed my payment later that day saying the account information was incorrect and did not notify me. The customer service representative I spoke with informed me this happens a lot with their system. They sent me a confirmation email for my payment 's success! I have my confirmation email I received, a screen shot of the payment and reversal if needed. This is severely affecting my credit. I have disputed with the credit bureaus and Bank of the West just confirms the missed payment info is correct. When I call they provide me with very little information and wont let me speak to anyone in that department specifically.

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