vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

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 2020-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ACIMA CREDIT, LLC
State: FL

Complaint narrative:
I have lived at my current address for XXXX years. The account has an incorrect address. This account is reporting as a XXXX XXXX on my credit report with an incorrect address.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
My account has been placed with XXXX XXXX XXXX. here are the details : XXXX XXXX XXXX : Original Creditor : XXXX XXXX XXXX XXXX. 
Current Creditor To Whom Debt Is Owed : LVNV Funding LLC Total Balance Due : {$1600.00} I had not spoken to XXXX at all until today XX/XX/2020. My mother called and said someone from XXXX called from XXXX on XX/XX/2020 and divulged information about the debt including phone numbers, amounts owed, and addresses. They said to my mother that she was a reference on the account, which she was not. I never listed her down anywhere on any account. I know they got the information from a skip trace report. I called XXXX today on XX/XX/2020 at XXXX EST and spoke to a CSR about this and said they would remove her number from the account. She ended up transferring me to a manager whose name I couldn't understand. The manager confirmed they did call and said in her notes that " they spoke to the debtor on XX/XX/2020 '' and said they had been sending statement after statement, which I have not received. I have only received an email from them on XX/XX/2020. When I confronted the manager about divulging the personal information about the account balance and creditor name, she said " That's how we run things here, and is out process and policy. '' I said no, per CFPB regulations, you can not divulge sensitive account information to anyone other than the debtor. She then said that they would have to go back and listen to phone calls to investigate. After trying to ask for more info on why this happened, she said they would list my account as " Cease Collections '' and hung up on me. I have also never gotten any communication from LVNV Funding.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 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:
I am writing a request to investigate information that does not belong to me. These items are not correct and they are causing me financial and emotional distress. I have absolutely no knowledge of this account and have sent letters requesting validation to the company, to no avail! The listed information is completely inaccurate and must be corrected.

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 2020-12-01 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:
I am writing a request to investigate information that does not belong to me. These items are not correct and they are causing me financial and emotional distress. I have absolutely no knowledge of this account and have sent letters requesting validation to the company, to no avail! The listed information is completely inaccurate and must be corrected.

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 2020-12-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I have had a credit card with Comenity bank for their Victorias Secret credit card. My payment due date has always been on the first of the month by XXXX XXXX. When i logged into my account to make a payment today at XXXX XXXX, i was notified that the cut off limit for payments that day had been changed from XXXX EST to XXXX XXXX EST. No mailing had been sent to me to notify me of the new terms of my credit card. Furthermore, i am signed up in paperless billing, and no e notice or email was sent to my account. Supposedly, I have had my late charge removed, but I have no confirmation of that. This is an extremely deceptive tactic and regardless of if my late fee is waived or not, government agencies absolutely need to follow up with Comenity bank on this

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UPGRADE, INC.
State: TX

Complaint narrative:
Charge was made on XX/XX/20 {$500.00} and refunded by the merchant on XX/XX/20. The credit card provider UPGRADE has not provided me with the refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
On XX/XX/2020 I made a payment of {$4500.00} instead of my monthly car payment of {$450.00} in error. I immediately contacted Ally Bank, the company I make my car payments to and they stated I would receive a refund by XX/XX/XXXX. In the meantime, I continued to make my monthly payment ( {$450.00} ) for XXXX. And as of today, XX/XX/XXXX, I still have not received my refund and have been given the run around for weeks. I also made my monthly payment ( {$450.00} ) in XXXX as well. 

As you can imagine, I have anxiously been awaiting my refund for the over payment and multiple individuals have been able to track down the over payment, but unable to assist me in getting my refund. 

For example, today, XX/XX/XXXX, I spoke with XXXX from " Ally Bank '' ( XXXX ) XXXX XXXX who shared there was a check issued to XXXX XXXX with the payment referral # XXXX. She transferred me to XXXX, also from Ally Bank. XXXX confirmed a check was issued to XXXX XXXX. XXXX also shared a reference number of XXXX. Together we contacted XXXX XXXX. 

XXXX at XXXX XXXX informed XXXX that she does not handle this account and refused to do anything, but suggested an investigation might be necessary, but she had no record of this transaction. XXXX recommended another department to contact. XXXX and I were then transferred to XXXX at XXXX  XXXX. XXXX could not help and we were then transferred to XXXX who stated we had the wrong department ad said she could not assist us. 

With no other options I contacted my bank XXXX and spoke with XXXX. XXXX was unable to assist me so I was transferred to XXXX. XXXX at XXXX instructed me to contact XXXX directly because the refund check should have been issued to XXXX, not XXXX  XXXX. 

I then called XXXX at XXXX and spoke with XXXX. There was no information available about this matter. 

I called Ally Bank back again and spoke with XXXX ( female ). She confirmed a check was sent to XXXX and I then asked to speak with a supervisor. She tried for several minutes to identify a supervisor unsuccessfully. 

Since mid XXXX I have been waiting for a refund of {$4500.00} and a check was issued, just not to me. It is crucial that this matter be resolved and the fraudulent process be rectified.

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 2020-12-01 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:
On XX/XX/2020 I sent documentations to the Bureaus for unknown and inaccurate accounts on my report its over 30 Days today but I didn't received any response. I was a victim of XXXX Data Breach. I demand to deleted those accounts or I will file a litigation.

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 2020-12-01 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:
On XX/XX/2020 I sent documentations to the Bureaus for unknown and inaccurate accounts on my report its over 30 Days today but I didn't received any response. I was a victim of XXXX Data Breach. I demand to deleted those accounts or I will file a litigation.

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 2020-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: John C. Heath, Attorney at Law, PLLC
State: NM

Complaint narrative:
We signed up with Lexington Law and to help us fix our credit and they said we could cancel the service at any time. They took money directly out of our account to fix the credit, which they never paid off any debt or fixed anything on our credit. We have tried many times to cancel this and now they are harrassing us with phone calls, three times a day at minimum and refusing to cancel our service. What do we do to get them to stop this harrassment and to cancel this service. They advertise that they help you, but all they do is take your money and do nothing for your credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 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: NC

Complaint narrative:
I submitted a dispute to all 3 credit bureaus ( Experian, XXXX and XXXX ) on or about XXXX. As of today I have not received any response from XXXX and although I did receive a response from Experian and XXXX, they did not resolve the fraudulent issues on my credit report. 
XXXX completely failed to respond in a timely manner to my dispute requests, whereas XXXX and Experian just failed to properly investigate my accounts. I have attached a copy of my Identity Theft Affidavit and my Police Report for reference. 
I am demanding the bureaus comply with Federal Law and immediately remove the disputed information from my credit report as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( c ) and 605B.

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 2020-12-01 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: NC

Complaint narrative:
I submitted a dispute to all 3 credit bureaus ( XXXX, TransUnion and XXXX  ) on or about XXXX. As of today I have not received any response from XXXX and although I did receive a response from XXXX and TransUnion, they did not resolve the fraudulent issues on my credit report. 
XXXX completely failed to respond in a timely manner to my dispute requests, whereas TransUnion and XXXX just failed to properly investigate my accounts. I have attached a copy of my Identity Theft Affidavit and my Police Report for reference. 
I am demanding the bureaus comply with Federal Law and immediately remove the disputed information from my credit report as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( c ) and 605B.

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 2020-12-01 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: NC

Complaint narrative:
I submitted a dispute to all 3 credit bureaus ( XXXX, XXXX and Equifax ) on or about XXXX. As of today I have not received any response from Equifax and although I did receive a response from XXXX and TXXXX, they did not resolve the fraudulent issues on my credit report. 
Equifax completely failed to respond in a timely manner to my dispute requests, whereas XXXX and XXXX just failed to properly investigate my accounts. I have attached a copy of my Identity Theft Affidavit and my Police Report for reference. 
I am demanding the bureaus comply with Federal Law and immediately remove the disputed information from my credit report as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( c ) and 605B.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 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: CBC Companies, Inc.
State: MI

Complaint narrative:
In XXXX, i filed a complaint with CFPB because XXXX closed my account for inactivity, My arguement was they really closed it because of the pandemic and financial crisis when it started and lied and used inactivity as a way to close the account.Well, I have new information that proves they lied.On XX/XX/XXXX i received a letter from XXXX dated XX/XX/XXXX that shows inactivity as one of the reasons.I opened this account in XX/XX/XXXX and last used/paid off in XXXX.My account was close in XXXX XXXX.I received a letter from XXXX dated XXXX XXXX and it states my account has been inactive for 18 months or longer.Because of there gross negligence, my credit score has dropped and has caused stress to me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 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: UT

Complaint narrative:
I have sent out several disputes to each of the credit bureaus : Transunion, XXXX, and XXXX and have yet to hear back from any of them. I have inaccurate items reporting on my credit and have been sending disputes since XXXX. I have yet to receive any results or correspondence from them saying they even acknowledged my disputes. Under the law the have to respond back to 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 2020-12-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
To Whom It May Concern : I hope this email finds you in the best of health. My name is XXXX XXXX and the reason you are receiving this email is because of a dispute on how Capital One Auto Finance is reporting a collection debt to XXXX, Acc # XXXX, {$11.00}, XXXX. 

This debt amount is inaccurate. The correct amount owed was {$8.00}, XXXX, Acc # XXXX which was settled and paid with Capital one Auto Finance on XX/XX/2020. 

Capital One Auto Finance already reported the correct amount with XXXX, but they are reporting it incorrectly with XXXX. 

As such, I would like this information to be reflected correctly and updated with XXXX and or removed from XXXX because of the inaccurate reporting. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NH

Complaint narrative:
While using our Capital One credit card for an online purchase on XX/XX/20 the transaction was declined. I called our card company and was transferred to their fraud department. There were two charges in question which I affirmed were made by us, ( i.e. no fraud on the account ). In the verification process, we were required to submit personal information ( last 4 of social security number, date of birth, address ), a text message verification code and photos of the front and back of my state issued drivers license through a secure internet portal. We were notified two days later that the drivers license would not pass the banks verification tests and that our account had been permanently closed. We were further told that we forfeited our cash back rewards totaling {$710.00} that have been accumulating throughout 2020. 

We feel this forfeiture is completely unfair as : 1 ) there was no fraud involved 2 ) we complied with all identity requests 3 ) we did not initiate the account closure My husband spoke with representatives of the fraud department for over 5 hours, offered to provide alternate identification, even offered to appear in person at a bank branch, spoke to their fraud specialists and supervisors. They refuse to tell us the problem with our identification ( can not share their identity verification procedures ) and refuse to provide any additional contact information within the company for us to continue to discuss this issue. They simply made the decision to close our account without any further document requests or contact with us, and state their decision is irreversible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: WA

Complaint narrative:
I took the forbearance with LOANCARE ( LoanCare, LLC., a ServiceLink Company and subsidiary of XXXX XXXX XXXX ) after the shutdown back in XXXX due to the COVID-19. After resuming work in XXXX, I paid back 3 months mortgage comprising of 2 payments for the forbearance and 1 for the ongoing month. After contacting LOANCARE XXXX XXXX XXXX, XX/XX/XXXX XXXX, VA, XXXX, to take me out the forbearance program and resume my auto-draft because I was back to work, LOANCARE went ahead and withdraw a month mortgage from my bank account even though I already paid. So I emailed them for reimbursement. They told me they will look into it. Until the end of XXXX, I have not heard back from LOANCARE. I called in again, and told them to use what LOANCARE owed for the incoming mortgage. We agreed on that until I receive a letter at the end of XXXX telling me that I was behind payment. I called back confused, LOANCARE told me that they sent me a check, therefore I need to pay them the same amount as they check they sent me. So I flatly told them that I could not pay them again until I received my check. 
Till today XX/XX/XXXX, I have not received any check ( {$2400.00} ), they are charging me fees, even though they promised not to do so till I receive my check. Since then, I called multiple times to hear excuses like " your check is delay by the post office due to the covid-19 '', " we are working on it ''. My wife and I are bombarded everyday with collection calls and all kind threaten ( credit report threat ) and stressful letters about losing my house from LOANCARE. My wife is stressed out, as she believes I'm the one at fault, as she can not understand any company will treat their customers like that. I've been trying to take advantage of the low rate since XXXX, but unfortunately they are keep me away from it, and I strongly believe that LOANCARE is trying to defraud me, because I expressly ask for the tracking number of the check they supposedly sent me since XXXX so I can trace it through the Post Office. LOANCARE told me they would forward it to me in 5 business day, later told me, that there was no tracking number. Normally, I will never do business with dubious " company '' like LOANCARE, unfortunately, they bought my mortgage.

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