vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-05 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: EQUIFAX, INC.
State: MN

Complaint narrative:
Missed payments for my XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX credit card is incorrect. I have never missed or had a late payment with the above creditors. All of my payments has been on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO.
State: KS

Complaint narrative:
Chase credit card lowered my credit limit during the covid-19 virus. I am without an income right now, our industry has been shut down. They arbitrarily reduce my credit limit during the covid -19 outbreak. This should be illegal, I need that credit line for living expenses.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
SinceXX/XX/XXXXIve been dealing with Equifax. I found out that I was reported as deceased and show no credit score. I immediately got the contact information from the lender I was trying to purchase from. Ive spent hours, days, and months calling Equifax to get the run around. I was told they couldnt verify my information every time I would call in, was always placed on hold for an 1 to 2 plus, to than be told to write a address down to send proper documents. As of XXXX XXXX still dealing with issues with these people they blame everything on the lenders not reporting my information back to them. Ive spent countless of hours calling all my lenders to verify dates of when they report to Equifax. They dont care that credit file is not correct and causing my family and I a massive problem because I am trying to purchase a house and because I either as deceased or a XX/XX/XXXX credit score. Equifax reps tell me that I do have a credit score and that those folks are wrong and are lying to me not to give me credit. Im at the end of line here and have no clue what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Showing as a hard enquiry on my credit account, I was told it would not give me a hard enquiry to my account. this has affected my credit score.

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 2020-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: IN

Complaint narrative:
Contacted via phone only about a debt supposedly owed. I have never received any documentation or any owed money to the original company nor have had any service as described by the debt collector. 
I asked for detailed information and they can not provide any specific information other than it being a final bill. 

I contacted the company they say is the original creditor and they can not provide any specific details on what they say I owe money to them. 

The debt collector will continue to proceed even though they do not have any supporting documentation, nor have ever provided anything in writing to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
First off, I read in the newspaper that I was being sued by a debt buyer that I had never heard of, then I had a court document delivered by local sheriff of a request for default judgment request. 

I had never received any letter from this debt buyer. I contacted the court and advised I had not received any letters and that I requested an actual hearing. 

The debt collector submitted a signed affidavit that said a letter was mailed via first class mail. No tracking info could be provided. 

I asked for proof of ability for them to sue me or ownership of the debt. They sent some papers that showed they bought a bunch of debt from XXXX XXXX. Nothing that showed me or any account directly associated with me. 

We appeared in court and the judge agreed the information provided was not supportive of showing any ownership, thus not granting the default judgment they requested. However, they continue to report this on my credit report after many attempts to have it removed. 

Secondly, the information they are reporting is inaccurate. I never obtained a loan directly from XXXX XXXX and the only loan I can possibly associate with it, is from XXXX and the account numbers are the same l, but the dates do not match. 

The debt buyers date is listed as after the possible loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I found several errors on my credit reports and sent an initial dispute to all 3 bureaus on XXXX XX/XX/XXXX to investigate the following accounts that were inaccurate : Receivables Performance in the amount of {$1400.00}, XXXX XXXX XXXX in the amount of {$1900.00}, XXXX XXXX XXXX in the amount of {$880.00} and XXXX XXXX in the amount of {$670.00}. After my initial dispute, XXXX XXXX XXXX and XXXX XXXX were both deleted from all 3 reports. 

I sent a second and third round of letters to all three bureaus in XXXX and XXXX requesting a validation of the two remaining accounts, XXXX XXXX which is a credit card debt and XXXX XXXX XXXX which is a medical debt. I asked for a re-investigation and requested to be given any documentation that shows how the balances were achieved and any documentation with my signature that they have on file that was sent from the original creditor. All 3 bureaus have failed to provide me with any documentation as requested. It's clear that they don't have any as required by law. XXXX and XXXX have also failed to explain their process of investigation or how the accounts were verified as I requested. None of them have sent me anything other than the results of the investigation. 

The XXXX XXXX debt in the amount of {$1400.00} was sold to another company, XXXX XXXX. Not only was this debt added back to my credit reports without the bureaus notifying me within the required 5 days ( or at all ) but the account was also re-aged by two years, which is illegal. They didn't provide me with documentation for a validation of this debt as I requested either. This was an unlawful re-insertion and they have failed to delete this account again as requested. 

I reached out to XXXX XXXX on XXXX XX/XX/XXXX, which is a medical debt requesting documentation that they have on file in order to validate this debt. They sent me information about my hospital visit but the document was printed from their computer and it didn't include a HIPPA release form which is a clear HIPPA violation. They do not have my permission to maintain my personal health information in their company database. The company and bureaus have refused to delete this account even after the HIPPA violation and I plan to pursue this issue further in court if this item is not deleted from my credit report immediately. 

***All letters were sent certified mail so that I could verify that the bureaus received my requests and I have documentation of all of the interactions that I've had with them if needed in the future.

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 2020-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital one 360 canceled my debit card to my checking account without any notification. This cause me to not be able to purchase groceries that I was in line trying to purchase causing great distress and problems. The representative said they had sent another card in the mail. I was not expecting to be sent another card since I already had a card good until XX/XX/2023. They said they would not reactivate the card, and left me unable to purchase food. I was not able to purchase gas. Due to work hours extended for work during pandemic I could not find time to reach the single branch located in my area during their hours of availability. Bills associated and linked to the card were not automatically paid. The bank removed all access to my money at great cost to me. After being a victim of consumer fraud from an illegitimate business advertising false products, the bank said I could not activate the card they had sent prior, and that yet another card would have to be sent. They said 3-5 days and it was 10 days before I received the card and in that time had no access to food or the things I needed until I could take time from work to reach the bank on their hours to get money until the card arrived. It is very simple, no bank should be allowed to shut off cards and access without directly contacting the client. If they don't do these actions for millionaires and treat them in such a way then they shouldn't be allowed to do it for everyone else either. it is discrimination, and it is wrongfully withholding access to an account without explanation or any accountability.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
It was reported on the day to Transunion via phone which an alert was received in reference to an alert that was received. The hard inquiry alerts listed below was not consented or authorized by me. The other 2 credit bureaus have as well been notified and the appropriate deletion and updated credit reports have been corrected due to previous and current information being exposed in data breaches and also online. I am requesting for the inaccurate inquiries that was NOT authorized to be deleted as this is hurting my credit score. I was not contacted by any creditors in reference to the alerts nor did I receive any documents via mail. My credit reports clearly states Please contact the consumer at - before issuing credit or goods due to previous fraud. The creditors listed below did not follow guidelines and regulations of the law written. The companies were contacted and I was advised to contact the bureaus again for deletion.

Hard Inquiries not authorized by me 1 ) XXXX XXXX  XXXX XXXX XXXX, 2019 2 ) XXXX- XXXX XXXX, 2019, 3 ) XXXX XXXX- XXXX. XXXX, 2019 and XXXX XXXX XXXX XXXX, 2019. 

Attached below are a few documents

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 2020-05-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: NH

Complaint narrative:
My husband, XXXX XXXX XXXX and I have a joint credit card with Capital One and have for almost 10 years. My husband is primary holder and I am authorized user.

For the past two weeks I have had to call and cancel my credit card for fraudulent charges. I am now on my fourth card and I have to cancel it yet again.

Two weeks ago, we began seeing several charges in the name of " XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX ''. these charges varied between {$.00}, {$1.00} or {$3.00}. As of today, XX/XX/20, I have over 100 of  these charges on our account. I have been able to research that these transactions are through either XXXX XXXX and/or XXXX XXXX, both of which I do not have and have never had. We have XXXX phones and do not even use XXXX. While I do have a XXXX personal email account, I have confirmed on my XXXX account that there NO cards linked to my account. 

My issue : Each time we have called to dispute and stop these from reoccurring, we receive the run around and that it is OUR fault this is happening and there is nothing they can do. Yes, the disputes are resolved and charges are reversed and I receive a new card. But upon IMMEDIATELY activating the new card, these charges start again!

The last two times I have called within the past week, I have specifically asked to be REMOVED from the Visa auto updater feature as I know this is how it is happening. I know that the card issuer can control my card information being fed through the auto updater for any merchant that also participates. I am told that they are not able to do this and that I have to stop it with the merchant. I don't know what merchant is doing this! I am then told that I can go online and see which merchants have my card for automatic payments, this shows nothing! this past Friday night I called AGAIN for pending transactions trying to come through and I was told that they WON'T hit my account because they are trying to come through on my previous card and to not worry. Well, as of XX/XX/20, those charges went through! and today, XX/XX/20, I have 20 more transactions even though I locked my card! yesterday, XX/XX/20, I called again and asked to speak with a supervisor. after the run around I demanded that my request to be removed from the VIsa auto updater be honored as I know they control this based on Visa 's website ( and I work in regulatory banking ) or I am filing a complaint with the CFPB. the supervisor said that she would submit my request and it would take 10-15 business days. this is unacceptable to take this long! and I was told she blocked the merchant so the charges wont hit. well they still did!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I opened a personal line of credit with Regions Bank on XX/XX/2014 in the amount of {$1000.00}. I NEVER withdrawn on the line of credit, and their is a negative item reporting to the credit bureau as a missing payment. Per Regions Bank their was a fee of {$35.00} that was taken on my behalf for opening a line of credit that I was not aware of. I reached out to Regions Bank to see if their is anything they can do to remove this from my credit report due to the misunderstanding, but they were unwilling to help. I also disputed this was the credit bureau to remove the negative item to no avail. The language in the loan application was not clear, and I never received any communication because I recently moved during the period that I opened the line of credit where I would have received a statement from the bank notifying me of the charge. Once again I would like to reiterate on no point in time did I withdrawn on the line of credit, and ultimately what happened was Regions Bank took the money out of my checking account with the bank.

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 2020-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Avant Credit Corporation
State: IN

Complaint narrative:
First off, I read in the newspaper that I was being sued by a debt buyer that I had never heard of, then I had a court document delivered by local sheriff of a request for default judgment request. 

I had never received any letter from this debt buyer. I contacted the court and advised I had not received any letters and that I requested an actual hearing. 

The debt collector submitted a signed affidavit that said a letter was mailed via first class mail. No tracking info could be provided. 

I asked for proof of ability for them to sue me or ownership of the debt. They sent some papers that showed they bought a bunch of debt from XXXX XXXX. Nothing that showed me or any account directly associated with me. 

We appeared in court and the judge agreed the information provided was not supportive of showing any ownership, thus not granting the default judgment they requested. However, they continue to report this on my credit report after many attempts to have it removed. 

Secondly, the information they are reporting is inaccurate. I never obtained a loan directly from XXXX XXXX and the only loan I can possibly associate with it, is from AVANT and the account numbers are the same l, but the dates do not match. 

The debt buyers date is listed as after the possible loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
SOMEONE STOLE MY PHOTO ID AND USE MY SOCIAL SECURITY NUMBER AND OPEN SEVERAL ACCOUNT, LEASES, LOANS AND CREDIT CARDS WITH MY PERSONAL INFORMATION I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX XXXX. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX   to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-05-05 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: EQUIFAX, INC.
State: FL

Complaint narrative:
SOMEONE STOLE MY PHOTO ID AND USE MY SOCIAL SECURITY NUMBER AND OPEN SEVERAL ACCOUNT, LEASES, LOANS AND CREDIT CARDS WITH MY PERSONAL INFORMATION I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX XXXX. On XX/XX/2020, I mailed Equifax, XXXX and XXXX   to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 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: FL

Complaint narrative:
SOMEONE STOLE MY PHOTO ID AND USE MY SOCIAL SECURITY NUMBER AND OPEN SEVERAL ACCOUNT, LEASES, LOANS AND CREDIT CARDS WITH MY PERSONAL INFORMATION I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-05-05 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
They were contacted and told of my XXXX. I am in the process of submitting paperwork yet they call incessantly. Ive reminded them multiple times that I have a deferment and my daughter that the loan was for has all her loans in deferment and that Im working on the application for forbearance. I have also specifically asked them to stop calling and threatened contacting you and the attorney general. I receive at last 3 calls a day, most before XXXX or around XXXX. Today I received one at XXXX on the nose. My daughter picked up and told them she used to work for compliance for debt collections and that calling that early and late, that incessantly and after they were told to stop is illegal and that we would be contacting you she was hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
I have asked for verification and a signed document stating that this is my debt. No response from creditor Convergent Outsourcing/XXXX. Creditor deleted report from XXXX  and XXXX  but not 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