vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Total Card, Inc.
State: TX

Complaint narrative:
I called XXXX  Visa ( XXXX XXXX XXXX ) they have a derogatory account on my credit report that they sold to two different collection agencies XXXX XXXX and XXXX. I have never had an account with this company and they are unable to find me in their system. They wouldnt provide me any assistance with this issue. The document that the collection agency XXXX provided has an address listed on there that is not a real address when you google it. I provided the company my social and the card number listed on the paper. This a fraudulent account and this company is selling my information to companies for a debt that is not owed to them. They transferred me to another collection company who isnt listed on my credit report but, wouldnt provide any additional information about XXXX  visa.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital one is showing that I was late on the months of 60 days past due as of XX/XX/XXXX 30 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I have wrote to them to request proof of this late payments no proof was given. 
I think there has been a mistake with someone else because I have not been late on my account on those months. 

I wrote to capital one via XXXX and they're stating that the minimum payments due for those months was not received which is also a lie I have always made my payment on time on my account and pay more than the minimum.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX is showing that I was late on the months of 60 days past due as of XX/XX/XXXX 30 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I have wrote to them to request proof of this late payments no proof was given. 
I think there has been a mistake with someone else because I have not been late on my account on those months. 

I wrote to XXXX XXXX via XXXX and they're stating that the minimum payments due for those months was not received which is also a lie I have always made my payment on time on my account and pay more than the minimum.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: PR

Complaint narrative:
While looking at my credit report I notice the availability of increasing or boosting my credit rating by linking the Experian file to my bank account. After some hours looking for my XXXX XXXX bank names ( I have 2 ) I decide to chat with csutomer service in order to determine the ommision. 

During my conversation with Experian customer service it arises that XXXX XXXX  are usually not listed because they are in the island. Only those with international operations are included such as XXXX and XXXX ( both sold to XXXX XXXX ) and XXXX XXXX. Some credit unions with mainland operations are also listed. But all of the others are not. 

Since our local banks are subject to the same Federal Laws and the island bank industry used these credit reports to approve credit, we are at a disavantage to any American cotizen living outside XXXX XXXX. We can not increase our credit standing with the available tools, and that is basically pure discrination, resulting in higher rates for credit lines, credit cards, loans and mortgages.

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 2021-03-31 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
Good day. After receiving several pieces of correspondence and having my credit report damaged with what I know to be inaccurate information, I called XXXX XXXX to pay the debt listed on my credit report. The original debtor is listed as XXXX XXXX. I called XXXX and they could find no old, outstanding bills of mine. I disputed this account once last year and it was removed and then reappeared. I then disputed twice and lost both disputes. 

Today, XX/XX/XXXX, I called the collection agency to pay and they indicated that unless I state verbally that I no longer dispute the account, they could not accept my payment! I refused to state what I dont agree with, yet I was willing to pay the {$130.00} debt. The call with a manager, XXXX XXXX ( not sure of spelling ), was a mentally draining and demeaning experience because he wanted me to say that I no longer dispute the account and if not, they could not take my payment. I advised him that I would not dispute the account any longer with the bureaus or CFPB but that I personally do not agree. I just want the account information updated and removed from my file after I pay. 

XXXX became dismissive and unhelpful, so my only recourse is to contact you. This company wants to control how a person thinks even if theyre willing to pay. If CFPB can do nothing to help me, this will have to remain, unfairly, on my credit report. Ive worked very hard to improve my credit over the years and this is a blemish that has reduced my score and gives an unfavorable view to lenders and now my payment is being rejected because I wont say what the debt collector wants to hear. Please help. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
Contact was made with AD ASTRA RECOVERY SERVICES through XXXX XXXX initially on XX/XX/2021 to dispute {$300.00} collection notice. 

No handwritten signature was provided as evidence despite it being known that I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I received a copy of my Credit Report in XX/XX/XXXX Upon reviewing the information I requested EACH Lender/Account BELOW to be verified as well the Validation of Debt Or Delete this Account from my Credit Profile. 

I have sent letters to ALL ( 3 ) Bureau 's XXXX & XX/XX/XXXX in regards to removing or verifying the Account or Debt. 

As of TODAY XX/XX/XXXX ( 6 ) Accounts Remain on my Credit Profile out of ( 15 ). 



Approaching my 4th & hopefully FINAL letter that I will be sending out. 

My hopes are that the accounts are removed ALL 6-15 Accounts that are remaining on my Credit Profile. 

If the accounts can't be verified it should be removed immediately. 

I did also send out Goodwill Forgiveness Letters to inform them that I am on Dissability My Doctor wrote me out of work in XX/XX/XXXX due to the Coronavirus Pandemic cases are rising not safe for me to be out in public risking my health I have an Auto immune Deficiency XXXX XXXX XXXX I can provide that documentation from the doctor as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I received a copy of my Credit Report in XX/XX/XXXX Upon reviewing the information I requested EACH Lender/Account BELOW to be verified as well the Validation of Debt Or Delete this Account from my Credit Profile. 

I have sent letters to ALL ( 3 ) Bureau 's XXXX & XX/XX/XXXX in regards to removing or verifying the Account or Debt. 

As of TODAY XX/XX/XXXX ( 6 ) Accounts Remain on my Credit Profile out of ( 15 ).

Approaching my 4th & hopefully FINAL letter that I will be sending out. 

My hopes are that the accounts are removed ALL 6-15 Accounts that are remaining on my Credit Profile. 

If the accounts can't be verified it should be removed immediately. 

I did also send out Goodwill Forgiveness Letters to inform them that I am on Dissability My Doctor wrote me out of work in XX/XX/XXXX due to the Coronavirus Pandemic cases are rising not safe for me to be out in public risking my health I have an Auto immune Deficiency XXXX XXXX XXXX I can provide that documentation from the doctor as well.

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 2021-03-31 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Houston Finance Co.
State: TX

Complaint narrative:
I was laid off due to covid starting XXXX and I fell behind. I notified the company tried to make small payments out of good faith. I asked that they please stop reporting late payments to the XXXX credit report and they refused. As a result, they reported 6 late payments to my Equifax report which caused my payment history to go from 100 % to 90 % and a decrease in my score by 48 points. 

Til date, they're still refusing to remove the late payments. I've been a loyal customer and I paid on time up until being laid off due to Covid. 

Please help as I'm still a loyal customer with XXXX but I'm in the process of trying to purchase a home abd I'm having a hard time due to the payment history on my XXXX report. 

This is a Covid issue, or else I would've been able to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I paid my mortgage to Chase in the branch on XX/XX/2021. I received an email on XX/XX/2021 that my mortgage payment was due. I went to the branch that I always use and was told that the payment was applied to a car loan that we paid off around a year ago. I was then told that I have to call the chase mortgage number to fix the issue because they couldn't fix it. I called chase mortgage and was told I have to call chase auto finance since the payment was applied to an auto loan. The first time I spoke with chase auto they told me that after 10 business days I would get the check back. It's been 11 business days. I called chase auto again and was told it should have been returned after 3 business day. The representative told me they would " escalate the issue ''. It's been more than 2 weeks and the payment has not been put back in my checking account and they are having trouble locating it. I just want my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
Portfolio Recovery Services is trying to collect on a debt outside statue of limitations. Over 12 years old. 

They repeatedly call, and spoof new phone numbers everytime they call to pretend to not be Portfolio Recovery Services. 

I have told them over 50 times to not call, and they continue to call from spoofed numbers at all hours of day and night. 

They have literally called me from 50 different numbers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-31 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
I received a message in my email in box stating that I had placed an online purchase for a lap top computer in which I did not order. I called this telephone number that was in the email in XXXX to confirm that I did not place the order.After speaking to the individual on the phone, the process he was taking me through for some reason didn't sound right so I hung up the phone, because it felt as if I was being skammed in the process of trying to report a skam.Iwould appreciate if you could check or report that number up above as being a skammer

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
My name is XXXX XXXX and I have power attorney for XXXX XXXX. XXXX is in XXXX  in Florida XXXX. I opened an account for him with the help of a branch manager at chase bak in XXXX XXXX Oklahoma. After the account was opened I deposited XXXX stimulus check for him. I was able to withdraw XXXX and then chase locked his account. Closed it. And took the money. I have made several attempts to realize this on XXXX behalf including asking them to mail the refund to his XXXX trust account with the state of Florida. He has written several notarized letters to them. We ve also submitted a durable power of attorney to them. They owe him XXXX and refuse to give it to him

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
My credit has been ran numerous times in past few years without my knowledge! They are unable to provide documentation that I have submitted inquires. Asked them to be removed and unsuccessful.

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 2021-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: ID

Complaint narrative:
I had been sending money XXXX  via Moneygram for several years until about XXXX, 2019 when I was blocked from sending a transaction. When I called the customer service, they would not provide me with a specific reason my transaction was blocked. Furthermore, I wasn't provided with any information to rectify the situation. I waited about 3 or 4 months, I attempted again to send and was still blocked. I later opened a XXXX account and I was able to send one transaction. But the second time I tried to send via XXXX, I was blocked. I contacted their customer service, and they replied via e-mail. But they also failed to provide me with a reason or a solution to the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 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: FL

Complaint narrative:
I purchased a used car from XXXX XXXX XXXX  XXXX. I make my payment every XXXX  weeks as stipulated in my contract. The credit bureau shows my monthly payment is {$480.00} each month. The dealer/ in house finance says my payment is {$220.00} every XXXX  weeks. 
I have never missed a payment, The credit report reflects my payments late XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. My credit is ruined. I called the Business Manager XXXX XXXX several times, advising him to correct these mistakes. He has done nothing. I wasn't given a XXXXruth In Lending document to break down the interest and finance charges This was never provided.

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 2021-03-31 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: FL

Complaint narrative:
I purchased a used car from XXXX XXXX XXXX XXXX. I make my payment every XXXX weeks as stipulated in my contract. The credit bureau shows my monthly payment is {$480.00} each month. The dealer/ in house finance says my payment is {$220.00} every XXXX weeks. 
I have never missed a payment, The credit report reflects my payments late XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. My credit is ruined. I called the Business Manager XXXX XXXX several times, advising him to correct these mistakes. He has done nothing. I wasn't given a Truth In Lending document to break down the interest and finance charges This was never provided.

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 2021-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc.
State: FL

Complaint narrative:
I opened an account on a cryptocurrency exchange called Binance.us There was a bank error timing problem that caused a {$3500.00} bank charge back I had 10x that in my account. The next day XX/XX/2021 I immediately sent a wire for that amount which they acknowledged received. they had locked my account because of the charge back and i have sent over 10 support requests to unlock my account all are ignored. I can not trade or withdraw my funds leaving me anxious about losing a lot of money. I owe them no money.it has been weeks and no response from them Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Smith Debnam Narron Drake Saintsing & Myers LLP
State: NC

Complaint narrative:
In XXXX XXXX XXXX Card sent me notification via mail and phone that I was delinquent on a my XXXX card and that I owed them {$9500.00} which I disputed and asked them for proof that this was my loan. XXXX never provided any such documentation. The XXXX hard I did have was closed with the highest balance being {$5600.00} to the best of my recollection. I pulled my credit report and did see the closed account, and also the account discover was referencing. XXXX never provided me with any contract or proof this was indeed my debt, but they did add it to my credit report. 
In late XXXX I was issued a court summons, XXXX using a private debt collection firm called XXXX and XXXX was suing me for the debit. I filed a sworn statement of denial of the debt, and asked the court to dismiss the case. While waiting for the date, XXXX and XXXX filed a motion for summary Judgement. In my response I stated this was not my debt again. When I appeared in court the attorney representing XXXX called me into a room where she tried to coerce me into paying the debt. When I refused, it went before the XXXX. The judge was angry at a previous case and read over mine, said I do not see any denial here and ruled in XXXX and XXXX XXXX favor. Over the last 8 years I have been sent repeated letters threatening action, and attempting to get me to pay for the debt. I have been unable to refinance my home, or do many normal credit related things, including help my aging mom a home recently, Also over the last 8 years as my credit began to improve XXXX card began sending me pre approved credit offers to attempt to get me further into debt. The entire time they were sending letters to collect a debt on a fraudulent judgement against me and my only home. I saved over 17 pre approved credit offers from XXXX card, and have 2 of the debt collection letters one from XXXX and one from XXXX. The credit offers are from various years and some were never opened. All addressed to me offering me " XXXX percent rates '' and " Earn Miles ''. Some of the offers are even personalized inside, addressing me by name saying how XXXX wants to help me. All the while they have a fraudulent Judgement against me, for an amount I never owed, that is preventing me from living my life and helping my family, We are trapped HELP PLEASE Amount XXXX and XXXX / XXXX say I owe is : XXXX for account ending in XXXX. Original Judgement for XXXX ( not my debt ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
Was notified that there was a late payment on auto loan account and never was late and reported to credit bureaus. Asked to be removed and instead of removing it. It was moved from XXXX to XXXX. Asked for documentation and none was provided. There was never a late charge fee or mention of it being late.

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 2021-03-31 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: EQUIFAX, INC.
State: MN

Complaint narrative:
Was notified that there was a late payment on auto loan account and never was late and reported to credit bureaus. Asked to be removed and instead of removing it. It was moved from XXXX to XXXX. Asked for documentation and none was provided. There was never a late charge fee or mention of it being late.

Company response to consumer: Closed with explanation