vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-17 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: CA

Complaint narrative:
XXXX XXXX incorrectly listed an account in my name as 30 days past due. XXXX XXXX fixed the error, and notified the Credit Reporting agencies that is was fixed. It it still showing as a recent past due account and affecting my credit score and ability to get a good rate.

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 2019-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CAVALRY INVESTMENTS, LLC
State: OH

Complaint narrative:
XX/XX/2019 - company called and left a voicemail at XXXX XXXX  on a line that explicitly states it is a shared line using my name and stating theyre a debt collector attempting to collect a debt. 

XX/XX/2019 XXXX XXXX - company calls my personal cell. I answer. First calls me by the wrong name and then corrected himself after I stated it wasnt my name. Asked if I wanted to pay on my debt that they bought from the original debtor, I told him I was considering getting an attorney, that they had left a voicemail on a shared line with explicit details thus violating the FDCPA. He said he was going to talk to his manager. Placed me on hold and then returned and said his manager stated that wasnt a violation of any kind and theyre allowed to leave those voicemails. Then continued asking me to pay on the debt. Did not attempt to resolve the issue and pretended like the FDCPA doesnt exist and theyve never heard of it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.
State: TN

Complaint narrative:
I did not receive a letter or get a phone call from this collection agency, Southwest Credit Systems. Alleged debt {$530.00} reported/open XX/XX/2019 I am not aware of the alleged debt. 

Upon further investigation, I learned this agency is not license in the state in which I reside TN to collect. 

The collection agency is now reported on my credit report unfairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
Synchrony bank calls all day from XXXX until XXXX at night. This has gone on since XX/XX/2018 to present day. I usually take the phone off the hook to rest or sleep.

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 2019-07-17 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 recently applied for an apartment and I got denied again. I didn't know why so today I checked my credit report once again. While doing so I saw items that are not mine. I reached out to the FTC and to my local police department and I am doing this on my own behalf. Again these items are not mine and all need to be deleted from my credit report. XXXX  XXXX, XXXX XXXX XXXX, XXXX/XXXX, XXXX   XXXX XXXX, XXXX XXXX, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
THIS IS NOT A DUPLICATE. THIS IS NOT A DUPLICATE. THIS IS NOT A DUPLICATE. THIS IS NOT A DUPLICATE. THIS IS NOT A DUPLICATE. THIS IS NOT A DUPLICATE. 

It a second issue. The first issue was resolved. Please do not kick this back again. 

Bank of America is not reporting my credit history correctly. The first issue was about the correct first payment date. This A SEPARATE ISSUE. It is about an incorrect payment history. 


THIS IS NOT A DUPLICATE.THIS IS NOT A DUPLICATE.THIS IS NOT A DUPLICATE.THIS IS NOT A DUPLICATE.THIS IS NOT A DUPLICATE.THIS IS NOT A DUPLICATE.THIS IS NOT A DUPLICATE.THIS IS NOT A DUPLICATE.THIS IS NOT A DUPLICATE.THIS IS NOT A DUPLICATE.THIS IS NOT A DUPLICATE.THIS IS NOT A DUPLICATE.THIS IS NOT A DUPLICATE.THIS IS NOT A DUPLICATE.THIS IS NOT A DUPLICATE.THIS IS NOT A DUPLICATE.THIS IS NOT A DUPLICATE.THIS IS NOT A DUPLICATE.

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 2019-07-17 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: TX

Complaint narrative:
I have submitted 3 requests to Equifax to have the debt XXXX XXXX deleted from my Credit Bureau since it's more than 7 years old. By law, this debt should be deleted!!! I want to know what Legal actions I can take again Equifax???

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 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 recently applied for an apartment and I got denied again. I didn't know why so today I checked my credit report once again. While doing so I saw items that are not mine. I reached out to the FTC and to my local police department and I am doing this on my own behalf. Again these items are not mine and all need to be deleted from my credit report. XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, 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 2019-07-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Bonneville Billing and Collections
State: UT

Complaint narrative:
On XX/XX/2019 @ XXXX Bonneville collections called my work from XXXX and spoke with my coworkers at that time she broke the fdcpa third party Disclosure and told her she was calling to collect on a Debt

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 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: TN

Complaint narrative:
I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX  ).  They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 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: First Technology Federal Credit Union
State: MD

Complaint narrative:
I recently check my credit and seen that I had inquires that I didn't not recognize from multiple companies who pull my credit without permission.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
There is a fraudulent charge on my Capital One XXXX credit card from XXXX posted on XX/XX/19 in the amount of {$85.00}. Originally, showed purchase date of XX/XX/19. 

Called XXXX on XX/XX/19 to report the charge as fraudulent. However, CSR XXXX informed me that she did not believe it was fraud after asking a couple of questions, but not performing a formal investigation. Also, was informed that the card was present at the time of charge. How is that possible with an online charge? Would like a receipt of what was purchased and what address it was shipped to since I logged into my XXXX account and there is no history of this purchase. Also, closed the card number ending in XXXX. Duration 20 minutes. 

Also, on XX/XX/19 there was a charge of {$100.00} from XXXX. Would like to formally report this as fraudulent, too. However, since XXXX issued a credit in the same amount on the same day effectively zeroing this charge, it makes this fraudulent charge moot, but would like it to be documented as fraud. 

Called XXXX on XX/XX/19 to check the status of the fraudulent charge of {$85.00} The CSR ( name? ) informed me that the charge was not showing since I reported it the day before and nothing else needed to be done. Duration 12 minutes. 

However, I logged into my account on XX/XX/19 and the {$85.00} charge has been moved from Pending status to posted on XX/XX/19. Therefore, since after two repeated attempts to report this fraudulent charge via telephone has not removed it from my account, I would like to invoke my rights under the Fair Credit Billing Act to formally notify you of the fraudulent charge of {$85.00} and request that it be removed from my account. 

Also, mailed a letter describing all of these actions via USPS certified and return receipt on XX/XX/2019. It was delivered to Cap One and signed for on XX/XX/19. The Number is XXXX. 

Logged into my Cap One account this morning and the {$85.00} still remains, and I have not received any correspondence from Cap One acknowledging receipt of my letter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-17 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: TN

Complaint narrative:
I am writing this due to non-compliance with the ( XXXX, XXXX, Transunion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold 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 2019-07-17 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: TN

Complaint narrative:
I am writing this due to non-compliance with the ( XXXX, Experian, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold 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 non-monetary relief
Consumer complaint received 2019-07-17 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: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I recently check my credit and seen that I had inquires that I didn't not recognize from multiple companies who pull my credit without permission.

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 2019-07-17 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I applied for personal line of credit to payoff current loan and to have cash to pay bills. Wells Fargo lead me to believe i would be approved. My mother cosigned and has over XXXX in assests not including stocks and antique collection. I feel they did not consider loan with cosignor and gave false hope that i was approved. My mother and i have been with Wells Fargo for years and have always been loyal and done well with our loans. I needed this to get my payment lower and consolidate so i could improve my credit score i  seek reconsideration and approval i owe under XXXX XXXX and my loan request was to pay that off and pay other debt this would create a better situation for me

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 2019-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Protection Association, L.P.
State: TX

Complaint narrative:
Back in XXXX I received some old forwarded mail from an address I have not lived at for a long time. Included was a collection letter from Credit Protection Association, LP stating I owe money from sold old toll bills. 

The license plate number listed on their letter is not mine. 

I attempted to contact them several times but they refuse to give any contact info other than where to send payments. I finally was able to find an email address and when I emailed them they replied that I should contact the DMV and the NTTA to find out why they were given the wrong license plate information. 

Clearly they do not understand federal law under FDCPA requires them to validate the debt and does not require me to find out why they have incorrect info. 

I have continually asked them to validate the debt and they refuse. 

They also can not even spell my name correctly on their collection letters

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 2019-07-17 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LAKEVIEW LOAN SERVICING, LLC
State: WA

Complaint narrative:
I split my mortgage payment into two payments for my XX/XX/2019 mortgage payment and it was not put in the right place. I have called 6 times now starting XX/XX/XXXX when I received a letter that stated I did not make my XXXX payment and now have late fees. The late fees were waived but it wasnt resolved and hit mine and my fiancs credit with a -54 points due to a delinquent account/past 30 days. I was told the gentleman would be coached because of his error and Im left waiting for our credit to be fixed and am told itll take a month. I was originally told 3-5 business days. I wasnt even late let alone delinquent. I am very angry about this and it just seems like they dont care one bit. I disputed it with the credit places too. I want to file a complaint since we are left waiting to do anything with a credit hit that bad I cant get anything at a fair price or on 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 2019-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: LA

Complaint narrative:
I contact all 3 credit bureaus and reference to the XXXX bill that was paid in full on XXXXplease remove immediately from all 3 credit bureaus and I will attach documentation proving debt has been paid in full

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION
State: MO

Complaint narrative:
My company had a glitch with direct deposit, so I was issued a paper check. I have deposited several paper checks from this exact same payer before, the funds were all made available to me the next day. I deposited my paycheck, dated XX/XX/19 in the amount of {$2600.00} via mobile deposit. I was informed by the app that my funds would be available next day, as usual. I then received a message from the bank, informing me that my check would be held for 5 days ... no explanation why. I called Simple bank customer support and they were unable to help me, they were unable to stop the deposit process, deny the deposit, close the acount, anything. Every option they gave me involved waiting several days for processing. Both associates were cold, unhelpful and aloof. I asked to speak to someone with the ability to override this and stop my deposit, so that I could make alternate arrangements with my money. They don't allow their leadership to speak to customers and they give their associates incredibly limited abilities and resources to solve problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I'm always having issues with this bank. I called telling them a charge I received an overdraft from XXXX XXXX   was invalid. I went to XXXX XXXX on XX/XX/XXXX. They said that it happened on Monday, XX/XX/XXXX which was wrong. I did not go to XXXX XXXX on XX/XX/XXXX. They said the time stamp was XXXX on Monday. I work in New York, how can I be at XXXX XXXX as XXXX! I get out early on Fridays and I went to the XXXX XXXX in XXXX XXXX at XXXX. I can get a copy of work hours to show proof of the time that I was there.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: SC

Complaint narrative:
IC Credit Systems has reported on my credit report a debt that has already been paid by XXXX XXXX XXXX. The rep stated that she sees where the debt was recalled and sold in her system.

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 2019-07-17 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: TN

Complaint narrative:
I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX  ).  They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-17 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: CA

Complaint narrative:
Equifax had two breaches in XXXX and XXXX and my personal contact information was compromised and used to open and make hard inquiries on my credit report. All the inquiries were made fraudulently one day after the next and made all for Telecom/Cable providers out of state. I reside and work in CA. I have called to have them removed and deleted a few have and others return that are factual. The only valid and accurate inquiries are attached to a credit card i have initiated and opened. The following inquiries show only on Equifax and not the other two credit bureaus. I even had a collections that came from the fraud inquiries and those were investigated and deleted but the inquiries are still on my report. 
XXXX XXXX XXXX XXXX, NV made on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, TX made on XX/XX/XXXX and XX/XX/XXXX XXXX ( Two made duplicates ) XXXX XXXX XXXX CO made on XX/XX/XXXX XXXX XXXX CA made on XX/XX/XXXX XXXX XXXX XXXX TN XX/XX/XXXX I have called and written letters to the creditors directly to dispute and provide me proof/ documentation, legal signature that I have authorized these inquiries to be made on my behalf. The list above are all are misc inquiries for services that I have never done business or requested from CA. 

I would like these items removed, I shouldn't be penalized for something I have never done ir inaccuracies to my reporting. The dates and activity of the inquiries above is suspicious on the occurrence when they were initiated one day after the next in the same month and years of the breach. Equifax offered credit monitoring and credit freeze for a year there after but this doesn't fix the damage it has caused or fixed the problem of the individuals personal information getting compromised. 

I look forward to someone helping get a final resolution on getting this fixed. I have also researched on the internet that others got similar breaches around the same period. 

Best, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX

Company response to consumer: Closed with explanation