vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-02 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: LA

Complaint narrative:
My family purchased a car with me as a Co buyer without my knowledge. The company says they verified the information which is impossible. However, because my mother was on the loan and she is now XXXX I decided to help so this car could stop affecting my score. I settled the loan as less than the amount owed with XXXX XXXXXXXX ( the collection agency provided by XXXX XXXX ). I was never told that the collection company would take 30 days as well as the creditor ( XXXX XXXX ) would take an additional 30 days. I am in the process of purchasing a home and this account is significantly affecting my home buying process. XXXX XXXX sold the account to a collection agency, XXXX XXXX reported the account had late pays the entire time the account was in collections causing a double negative effect. I really would like someone to review this matter. I have yet to obtain paperwork from XXXX XXXX stating the account was settled in full. I have reached out to the CEO, customer service, as well as many other representative at XXXX XXXX and XXXX XXXX. I received long, disconnected phone calls and no solution to any of my problems. My consumer rights were violated on numerous occasions and I would like XXXX XXXX to rectify the situation. 



Not admitting to the debt

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 2020-06-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: VALLEY NATIONAL BANCORP
State: NJ

Complaint narrative:
I went to pay my monthly Valley Bank credit card statement but the nearest branch was closed as were others further away. So I mailed the check to the nearest branch but it was not received on time because the branch was closed without my knowledge because of the coronavirus. I complained to the CFPB and Valley Bank cancelled the late fee. 

But then I received a notice for XXXX XXXX that manages Valley Bank accounts that my credit limit was being lowered because of this late payment which, to repeat, was late because the bank branch in question was closed without my knowledge because of the coronavirus! 

Not fair to do this!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
USAA CONFIRMS NO FRAUD SO WHY WHY WHY ALL REVERSALS OF CREDIT NOT PROVIDED?? See attatched USAA CONFIRMATION XX/XX/XXXX No Fraudulent Activity Found After Review of Your Claim. WHY ALL THE REVERALS OF CREDIT ( Security Adjustments ( OF ) in one month XX/XX/XXXX see attatched CREDIT REVERSALS TOTAL {$1.00}, XXXX ** USAA REVERSES MERCHANTS CREDITS THAT ARE NOT USAAs. NO Fraudulent Activity PRODUCED NO PERMANET USAA CREDITS TO REVERSE {$1.00}, XXXX in XX/XX/XXXX. ( These were MERCHANTS CREDITS REVERSED NOT USAAs. )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 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: CA

Complaint narrative:
( 1 ) Experian has taken fraudulent actions to destroy all my efforts to improve my credit score by falsely reporting multiple charge offs ( in the double digits ) on an account with XXXX XXXX XXXX. 
Account - XXXX The charged off amount of {$1900.00} on a [ secured ] credit card of {$1500.00} is inaccurate. 
Without providing proper documentation from XXXX XXXX XXXXXXXX as to WHY Experian has recorded multiple COs on my credit report, the credit reporting agency conducted a FALSE " re-investigation of my initial disputes ( two of them ) and again inaccurately made reports on my credit file. 
The latest result of my third dispute with Experian is Report Number XXXX Generated on XX/XX/2020. 

Experian has refused to provide proper validation paper documentation/s from XXXX XXXX XXXX that it ( Experian ) utilized to update my credit report and credit score in the unlawful and illegal manner in which it did, in clear violation of my fair credit reporting rights under federal law and the laws of the State of California. 

The contact number that Experian purported to have utilized to contact XXXX XXXX as of XX/XX/2020, i.e., XXXX XXXX XXXX is a non-working number. Nor has Experian sent me any documentation sent from the address for XXXX XXXX it lists on its Re-investigation Result. That address is XXXX XXXX XXXXXXXX, XXXX XXXX, NY XXXX, which I strongly doubt is a XXXX XXXX XXXX address. 

( 2 ) Experian has refused to remove XXXX XXXX XXXX from my credit report despite having concluded a pay for delete with XXXX. Experian knows this for a fact as it now records a XXXX balance on both XXXX accounts and also knows that XXXX [ always ] does a pay and delete in similar situations.

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 2020-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XXXX XXXX XXXX  ( XXXX XXXX  ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$470.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2019 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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 2020-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am going through the covid-19 problems and issues financial problems Capital One don't care about nobody but themselves this a very XXXX and unprofessional Bank but that's what happens when a bank be hacked so many times charging late fees on crisis I wish Kohl 's select another consumer Bank

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-02 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: CO

Complaint narrative:
CFPB investigations of the wrong account. I will like XXXX award account not a student loan that was included in the bankruptcy in XXXX the account was open in XX/XX/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 2020-06-02 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: FL

Complaint narrative:
The problem started in XXXX when Experian would not updated my XXXX XXXX XXXX XXXX XXXX XXXX revolving credit card account. I have filed multiple disputes, with it going from wrong information to no 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 2020-06-02 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: FISERV FINXACT CORE
State: MI

Complaint narrative:
Money Network Financial has incorrect names on the XXXX XXXX XXXX XXXX. The card member services phone number does not allow for contact with a representative. The only option for changing the name requires faxing of sensitive information. No one has fax machines anymore, and the only access to such a device is at my public library which is closed until further notice. 

After much struggle I was able to authorize transfer to my regular bank and am now trying to close this account. I don't not want this account or want this company to have access to my personally identifiable information such as my social security number. There does not appear to be any way to close the account. The email contact link does not function and the phone menu does not allow for contact with a human or the option to delete the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: NV

Complaint narrative:
CREDIT COLLECTIONS SERVICES ( 06 XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$470.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/XXXX an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 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: MA

Complaint narrative:
on XX/XX/2020, I sent two certified letters one to Equifax, tracking number XXXX XXXX XXXX XXXX XXXX and XXXX XXXX, tracking number XXXX XXXX XXXX XXXX XXXX. They were letters of request of verification on items on my credit report. As of today, XX/XX/2020 I haven't heard from either bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1000.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2019 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 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: SYNCHRONY FINANCIAL
State: KS

Complaint narrative:
In XXXX I received a call that my credit card through Lowes via Synchrony Bank had a payment due. I have never missed a payment but had not received a bill mail or digital. During the call I paid over the phone and had the agent check to see why I did not get a bill. The agent said there was no information for the account to send a bill which is false because the account has been open and use since 2013 and I have NEVER missed a payment. Even though I paid over the phone by credit report shows no payment. Customer service says my account was i active because it was marked I was deceased which is obviously wrong and why would they report a deceased persons 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 2020-06-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HEAD MERCANTILE CO., INC.
State: MS

Complaint narrative:
I received notification through my credit monitoring company on XX/XX/2020 that HMC Group has reported a collection account to my credit reports. Before this day I had never heard of this company. I have not received any documentation nor any phone calls. I had no notice of who they were or how I owed them. I do believe that there is a law in place that requires collection agencies to notify me and to give me time to dispute and to give me notice before they place an account on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 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: CO

Complaint narrative:
CFPB investigations of the wrong account. I will like XXXX award account not a student loan that was included in the bankruptcy in XXXX the account was open in XX/XX/XXXX XX/XX/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 2020-06-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC
State: IN

Complaint narrative:
On XX/XX/2020 at XXXX, I contacted Capital Accounts regarding a collection account that showed up on my credit report for {$61.00}. They stated it was for a dental bill at XXXX XXXX XXXX. I told them that I have never been a patient of that dentist, they asked if I had a spouse or children that were a patient. Since my children are grown and out of the house, I told them that I did not know. They stated that since I carried the insurance for the account that I was legally responsible for the bill, even though I did not sign any agreements. I informed them that is not the case and asked them to send me the information on the account and they said they could not. They also did not send me the notice of debt within five days of our first communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 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: KS

Complaint narrative:
In XXXX I received a call that my credit card through XXXX via XXXX XXXX   had a payment due. I have never missed a payment but had not received a bill mail or digital. During the call I paid over the phone and had the agent check to see why I did not get a bill. The agent said there was no information for the account to send a bill which is false because the account has been open and use since 2013 and I have NEVER missed a payment. Even though I paid over the phone by credit report shows no payment. Customer service says my account was i active because it was marked I was deceased which is obviously wrong and why would they report a deceased persons 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 2020-06-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Thank you for taking the time to read this letter. Im writing because I noticed that back in late XXXX and early XXXX I made late payments in one of my credit cards. After checking my recent credit report. 

I want you to know that I understand my financial obligations, and if it werent for, I being jobless and moving around from place to place, Id have an excellent repayment record. I made a mistake in falling behind, but since then, I have gained a stable job and a new home I have been making my credit card payments every month Since then. Ive had a spotless record of on-time payments. I tried paying off the late payments but the company would not work with me and raise the interest on my credit card payments which made it more difficult to pay. They offered little to no help which made me fall behind more. 

Im planning to apply for auto loan/etc, and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payments on my account. 

Thank you for your consideration, and I hope youll approve my request. 

Best, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am in possession of a check dated back to XX/XX/2004. in the amount of {$6900.00}. I came across the check behind my file cabinet un-opened. I am not sure when or how the check made its way to me because the address on check is off by one digit. The check was generated by Chase bank and shows check #, vendor #, company # as well as routing and account number drawn from. After going to branch I was told they should be able to get me a replacement after research department completes investigation to determine the check was not cashed. I faxed a copy of check with letter of explanation requesting assistance. I called weekly for update and was told they can't assist me further because the mortgage account associated with this check is inactive. they provided the mortgage account number XXXX. I asked to speak to a supervisor and supervisor wouldn't come on the phone. I told them to provide me with a name or department that may be able to look further into this and I was told this is the last step. I asked them how can this be the case and how could I simply forget about a check in the amount of {$6900.00} and I was told I should have cashed the check when I got the check. I informed them that I would have to pursue this further and was told to do what I must.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 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: FL

Complaint narrative:
To It May Concern ; I had An incident where someone broke in my house, ever since that happen my identity has been used by an unknow source. these Accounts are Related to Fraud. I did not Authorize these Account. 
Attached is the police Report of what happen at my home

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 2020-06-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P.
State: FL

Complaint narrative:
this debt collection was added to my credit report without my authorization. I do not owe them any money. I attempted to call them to remove to the collection but they won't remove it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 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: Total Card, Inc.
State: CA

Complaint narrative:
Total Visa has two predatory lending practices. 

1. Reports inaccurate balances 2. Reports under two different names for the same credit account. 

I would like to request an investigation into their practices and a letter denouncing their deceptive practices so that I can have my credit report updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 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: LEXISNEXIS
State: GA

Complaint narrative:
LexisNexis is illegally reporting my chapter XXXX bankruptcy to credit bureaus. I filed my bankruptcy with XXXX County Court. They did not give LexisNexis permission to report to the bureaus, nor did they provide them with this information. Also, LexisNexis cant provide me with proof that the courts provided them this information.

Company response to consumer: Closed with explanation