vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Check Resolution Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I received a call from National Check Resolution. The voicemail said that NCR was forwarded my account information from XXXX. They falsely stated that XXXX had a lien against me personally and against my company. I received another voicemail from NCR on XX/XX/XXXX, this time they threatened that they were going to begin an asset investigation on both me personally and my business for a debt owed to XXXX XXXX. As of XX/XX/XXXX I have not received any formal letter from NCR to validate this debt and they have not allowed me the opportunity to dispute this debt. Prior to these events, I had already sent two formal dispute letters to XXXX by certified mail informing them that this account was opened fraudulently as a result of identity theft. The first letter was sent on XX/XX/XXXX and XXXX received this letter on XX/XX/XXXX. The second letter was sent on XX/XX/XXXX and XXXX received this letter on XX/XX/XXXX. I did not receive a response to either letter. XXXX was provided A copy of my Identity Theft Report, A copy of my Lost/Stolen Confirmation Notice For My Business Account, and a copy of the FTC Notice to Furnishers of Information specifically calling out their responsibility to cease providing the inaccurate information to any nationwide credit reporting agency and ensuring that they do not attempt to sell or transfer the fraudulent debts to another party for collection. They violated my rights by selling this debt to NCR. In both letters I asked XXXX to please investigate this matter, close the account and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining their findings and actions. Nothing was done on either occasion.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I went to check on my credit history and I noticed that several credit cards have been opened under my name. I called the credit cards and I have no recollection of ever having these cards. I need this accounts to be removed off my credit report history from all three credit reporting agencies immediately. I'm in the process of applying for a mortgage and this will ruin my chances of getting the home that I need for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I've called Chase credit card services several times since last year XXXX since the change was unexpectedly made to my account but they will not deduct any fees that have accumulated since then & now am in Jeopardy of getting my card closed out which will be devasting since I was doing so well even with job loss to pay my payments

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
On XX/XX/2018 my credit report was pulled without my consent as an attempt to open an account under Capital One Bank. An account was not successfully established to my knowledge but this hard inquiry reflects on my credit profile and after contacting Capital One Bank on more than one occasion they could not assist with resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
On XX/XX/XXXX I sent Midwest Recovery Systems a certified letter disputing a pay day loan that I really don't recall. I ask them to send me evidence of this loan and the amount. It is on my credit report in the amount of {$2400.00}, I have never received a pay day loan with high of an amount. Midwest Recovery Systems said they are collecting for 12 XXXX  on my credit report. On my credit report it says the date opened XX/XX/XXXX on XXXX  and XXXX on XXXX  and XXXX  . I have never received a letter from this company about this debt. And they are continually to report this debt on my credit report, like every other week.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 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 — Was not notified of investigation status or results
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
I have a Perkins loan with UAS Connect which I am currently paying. I have a late payment report for the month of XX/XX/2020 on my report which is not supposed to be there. There was computer glitch on the web of UAS on the XXXX which made it a problem submitting payment. I didn't have the chance to try again on the XXXX due to the nature of my job. I am a XXXX XXXX  XXXX in one of the hardest hit XXXX in pandemic crisis. I basically could not go home but been sleeping in XXXX  arranged accommodation to protect my family because I am an exposed person to this virus due to my work environment.

I did not think it is fair, rational or empathetic for UAS to be reporting late payment at this crucial time. I want the late payment to be reversed since the required payment has been made.

I am not asking for too much, I am giving my best in this fight against covid-19

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have a Perkins loan with XXXX XXXX  which I am currently paying. I have a late payment report for the month of XX/XX/2020 on my report which is not supposed to be there. There was computer glitch on the web of XXXX on the XXXX which made it a problem submitting payment. I didn't have the chance to try again on the XXXX due to the nature of my job. I am a XXXX XXXX XXXX in one of the hardest hit XXXX in pandemic crisis. I basically could not go home but been sleeping in XXXX arranged accommodation to protect my family because I am an exposed person to this virus due to my XXXX XXXX. 
I did not think it is fair, rational or empathetic for XXXX to be reporting late payment at this crucial time. I want the late payment to be reversed since the required payment has been made. 
I am not asking for too much, I am giving my best in this fight against covid-19

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 2020-04-18 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: CL Holdings LLC
State: OH

Complaint narrative:
I had a collections account show up on my credit report dated XX/XX/2019. The collection agency is Jefferson capital systems LLC and states the debt is from XXXX XXXX. I have never been a XXXX XXXX  customer as I have had XXXX and prior to that was XXXX. I have contacted the collection agency to validate the debt on multiple attempts with no validation to date. After speaking with somebody, they stated it would be removed from my credit report. It is still showing after multiple months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-18 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: MI

Complaint narrative:
Despite both contacting furnicher, XXXX  XXXX XXXX XXXX, and credit reporting agencies, Experian and XXXX, the credit reports continues to erroneously state individual responsibility rather than joint responsibility. Initially, XXXX XXXX XXXX XXXX ( XXXX ) in XX/XX/2020, told me that they furnished the account as a joint account as confirmed by the statement : " XXXX XXXX XXXX '' and " XXXX XXXX XXXXXXXX '' at XXXX XXXX XXXX XXXX MI XXXX '' - which should be " XXXX '' rather than " XXXX '' It is not on her credit report. As far as my Experian credit report, I contacted Experian on XX/XX/2020 by US mail. Experian responded via report XXXX for XX/XX/XXXX, reputes what XXXX  XXXX XXXX XXXX told me earlier in the month. The same thing happened with XXXX  in a less specific manner in that it continues to list the responsibility as an individual account rather than a joint account. 
Niether of these credit reporting agencies is correctly stating joint responsibility for this joint account ending in XXXX, nor is either credit reporting agency reporting whatsoever my wife 's individual or joint responsibility for this account we share since about a year ago. Fix it now!

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 2020-04-18 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: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
A debt collection from LVNV funding LLC, dated XX/XX/2016 appeared on my credit report. I do not have knowledge of this debt and have spoken with representatives and sent letters requesting debt validation. I have yet to receive validation of this debt and when I called last, whomever I spoke with stated it would be removed from my report due to inaccurate reporting. This collections is still showing months later.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 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: Professional Credit Analysts of MN, Inc.
State: OH

Complaint narrative:
Two collection accounts appeared on my credit report from Professional credit analyst with the date of XX/XX/2018. The collection account belongs to XXXX XXXX XXXX. I have no knowledge of this account. After attempting to get the debt validated by the collection agency with no success, I have filed a complaint with the XXXX  and consumerfinance.gov in hopes to get these collections removed.

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 2020-04-18 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: CA

Complaint narrative:
While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by Experian Credit Bureau and inquiries are listed below. 

Inquiries : 1. XXXX XXXX XXXX XXXX 2. XXXX  XXXX XXXX XXXX XXXX 3. XXXX XXXX  XXXX 4. XXXX XXXX  XXXX 5. XXXX XXXX  XXXX 6. XXXX  XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report.

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 2020-04-18 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: MI

Complaint narrative:
Despite both contacting furnicher, XXXX  XXXX XXXX XXXX, and credit reporting agencies, XXXX   and TransUnion, the credit reports continues to erroneously state individual responsibility rather than joint responsibility. Initially, XXXX  XXXX XXXX XXXX ( XXXX ) in XX/XX/2020, told me that they furnished the account as a joint account as confirmed by the statement : " XXXX XXXX XXXX '' and " XXXX XXXX XXXX '' at XXXX XXXX XXXX XXXX MI XXXX '' - which should be " XXXX '' rather than " XXXX '' It is not on her credit report. As far as my XXXX  credit report, I contacted XXXX  on XX/XX/2020 by US mail. XXXX  responded via report XXXX for XX/XX/XXXX, reputes what XXXX  XXXX XXXX XXXX told me earlier in the month. The same thing happened with TransUnion in a less specific manner in that it continues to list the responsibility as an individual account rather than a joint account. 
Niether of these credit reporting agencies is correctly stating joint responsibility for this joint account ending in XXXX, nor is either credit reporting agency reporting whatsoever my wife 's individual or joint responsibility for this account we share since about a year ago. Fix it now!

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 2020-04-18 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: CA

Complaint narrative:
While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following Transunion Credit Bureau : Inquiries : 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX I did not authorize anyone employed by these Transunion to make any inquiry and view my credit report.

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 2020-04-18 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 — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
freecreditreport.com a part of the Experian company has locked me out my account and will not send me the reset information or email to log into the account to get access to my annual credit report.I have already had to file complaints against Experian directly for similar issues with them refusing to provide login information on another one of their platforms. They still have not resolved that matter and now have blocked my access to all reports and information regarding my credit and credit reports. Email address on file with them is XXXX for this website.

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 2020-04-18 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: NJ

Complaint narrative:
On the XXXX of XX/XX/2020 XXXX XXXX  send me a letter telling me that they inform Transunion to delete XXXX XXXX  hard inquiry on my credit report ( See attachment ). Till this moment TransUnion still have this hard inquiry on my credit report

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 2020-04-18 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: CA

Complaint narrative:
XX/XX/XXXX - XX/XX/XXXX Notified agency that I have know knowledge of the account. Instead of asking me to verify they updated the account to XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC.
State: AZ

Complaint narrative:
I was sent an email by Guaranteed Rate with a link to register online and make payments ( www.rate.com/servicing ). However, that form only accepts 10 digit loan numbers. All of the documentation provided to me by Guaranteed Rate clearly lists a 9 digit loan number, and I am unable to register an account in order to make a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NV

Complaint narrative:
I signed up for a Cash App account because in an emergency I had to sell belongings to get food during this crisis. I get my cash app handle $ XXXX  and setoff to sell my belongings. I exchange the goods and this stranger sends me money through cash app, i get a text from cash app notifying of the funds. Turns out this stranger wanted to buy both of my items for sale so he sent another XXXX and I ASSUMED since I had receieved 2 texts from Cash app stating the this person had sent me XXXX and another XXXX that I was good to go. However attempting to " pickup '' these funds proved to be impossible and cash app would insist on verifying my identify which I tried 2 ways to do and they STILL would not accept so they want a scan of your drivers license front and back, BUT there is no way to take or capture the image for the back so THERE IS NO WAY TO VERIFY YOUR IDENTITY and Cash APP has XXXX I mean absolutely NO SUPPORT WHATSOVER which is very very concerning. How does a financial company that sells stock not have any support, let alone a phone number to call. So, in my opinion this entire company is a complete scam and now they have my financial info, scans of my drivers license, everything needed to commit identity fraud. Not to mention I just lost {$120.00} and will not be able to eat today all because I trusted cash app. Please stop these people as they aided and abetted someone else stealing from me and they do not offer any support or way for me to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.Q. DATA INTERNATIONAL, INC.
State: MD

Complaint narrative:
I paid XXXX of XXXX for move out repair on apartment rented by me and my son, in the rental office in XX/XX/2020. Me and my son have received several calls and letters from debt collectors IQ Data Inc, stating it has not been paid. I have emailed, mailed ( certified return ) copies of money orders and receipt of payment. They have my son credit card number and have charges payment on XX/XX/2020. I have called the rental office and the have notified them by email that this debt was paid. I have spoke with several rep and supervisor XXXX and company continues to run my son card and states that payment should have been paid to them. As of XX/XX/XXXX ; XXXX  be have paid {$1000.00}. Bill was {$690.00}, which I paid {$650.00} on XXXX XXXX. IQ Data continues to run my son cards, regarding of my calls, email that was sent that it was paid. I asked rep and supervisor not to do this, and they informed me that my son card will continue to be ran. Please Iam asking for help, this company continued to do what they want, and I cant do anything to stop them.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: HireRight Solutions, Inc.
State: OH

Complaint narrative:
XX/XX/XXXX XXXX XXXX  contacted hire right regarding employment status listed false information merging two separate incidents into 1. XX/XX/XXXX denied employment for reasons that was falsely listed by XXXX. Contacted hire right regarding this issue, they denied first, 2nd & 3rd dispute. After 4th dispute over the same situation, 1 change was made. Me filing police report on employee & complaining to safety management regarding being forced to drive a unsafe XXXX XXXX  - In retaliation from XXXX listed I had a failed roadside performance violation from department of transportation false no violations on my record or points received a civil citation/ non moving traffic citation NO Points on MVR XX/XX/XXXX no DOT inspection Another was a warning from police officer no fine no court date regarding cell phone - XXXX admits all drivers personal cell phone is required to keep track of hours of service electronic logging system per department of transportation requirement also all logging devices must be mounted/stationary. Officer assumed all day cabs was automatic I was operating XXXX XXXX XXXX he saw hand movement assumed I was using cell phone pulled me over did a DOT inspection which requires you log book - I took phone off mount and handed it to him no violations on truck, no violations for not having Electronic logging not mounted, but was giving a cell phone warning no fine no court date no violations XX/XX/XXXX. Hireright allowed XXXX to merge two separate cases into 1 - by doing so and stating I hade a failed DOT inspection employers pre-screening before hire is grounds for denial of employment Ive been denied multiple times from trucking companies because of this, and can not reapply between 6-12 months. Hire right didnt confirm allegations and ignored documents provided and several disputing attempts. This have caused financial hardships

Company response to consumer: Closed with explanation