vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-29 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: NY

Complaint narrative:
THE MORTGAGE ACCOUNT ON MY CREDIT REPORT IS INACCURATE AND NOT VERIFIABLE. I DO NOT ACCEPT OWNERSHIP 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 2020-10-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: NY

Complaint narrative:
hello how are you I have student loans and it was very expensive to pay back I try to get loan forgiveness but they did not take the payment to close the loan please contact me because I have trouble with the bank and I have a deceased relative I donot know who is watching with the story it is not a good experience the people get in the house and I have a relative in a XXXX XXXX  they would not release the patient

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I was going over my file and I noticed that there are still several errors and inaccuracies on my file. 1. my name is XXXX XXXX XXXX XXXX please remove any other names or spellings. 2. My addresses is XXXX XXXX XXXX, XXXX OH XXXX. Please delete the following addresses they are not mine : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I have a unverified account that I have requested several time to be removed due to no response of 90 days FRCA violation and FDCPA violation as well 609, 805, 611.

Please delete the follwing account the are not correct : OHIO DEPT OF HUMAN SERVICES CREDIT COLLECTION SERVIC # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
This is not my account with JCMP card service. I never had an account with this company

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-29 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: EQUIFAX, INC.
State: GA

Complaint narrative:
ACCOUNT IN ERROR. 

XXXX Account # XXXX XXXX  and EQUIFAX have falsely claimed Missed payments that are severely damaging my credit score and reputation! 

This account has been closed since XXXX. 

Since there is no pay date or pay by due date for this account, how can the payment history show as being late or past due? How can I miss a payment date when there is none? 

Secondly, due to refusal to remove the account, I have since received a letter from XXXX stating the account is in good standing and is Paid In Full! 

I have attached a letter from the XXXX XXXX XXXX XXXX as proof of the above mentioned statements. 

To this day, XX/XX/XXXX, XXXX still has a balance showing and is still reporting Negative! 

I have also attached screenshots from my latest updated XXXX  account from XXXX showing how XXXX is still continuing in fraudulent activity by falsely claiming a balance on this account as well as false Negative payment history claims!

This fraud is severely hurting my mental and financial well being, especially during this pandemic!

I NEED this account COMPLETELY removed from both XXXX  and EQUIFAX expeditiously!

Thank you for your compliance in regards to this request of dispute of any and all account errors!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Hi I banked with Chase Bank for about 4 years or so. On XX/XX/2020 I filed a claim for a fraud that some online company was charging me with the amount of {$780.00}, {$370.00}, {$23.00}, and {$11.00} without me knowing any of the charges. I then file the claim with XXXX and on XX/XX/2020 with a bank teller they locked me out of my online access saying that they have to do that for full investigation should be back on within a few hours. The next following day I came back to the very same bank and the bank teller that filed a claim and locked out my account wasn't there and the other bank told me that they never seen anything like this and plus THE BANK TELLER WHO WAS WORKING WITH ME IS STILL IN TRAINING. So there's nothing they can can do about it. And then on XX/XX/2020 that same online company charged me again but this time with a different amount of {$370.00} and {$790.00} and some it didn't go through so it went back to my bank. I then went back to the bank to let them know what's happening of how they are able to do that while my bank is locked up. They told me that because they only lock out the card not the account. Furthermore my claim did go through and XXXX reverse that amount of the previous charged of {$780.00}, {$370.00}, {$23.00}, and {$11.00}. And now on XX/XX/2020 the bank reverse and took {$780.00} and {$370.00} out of my bank saying that the other company already pay me back which doesn't even adds up. Yes they did give back the money but that was during the time my back but that was a different charged not the same one. Funny thing is now logged into my wife 's bank account it doesn't show that amount on XX/XX/2020 was taken out but just deposited in. I'm very fustrated especially with a time like this where my rent is due and the bank is doing this to me. Please help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
These inquiries were disputed on XX/XX/18 with no response. They should be deleted per the FCRA guidelines. I have waited more than enough time. Just an FYI, these inquiries were deleted from my XXXX File.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 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:
After reviewing my credit report, there are currently numerous accounts and inquiries listed on my report that was not authorized or initiated by me. This was a result of identity theft, error or malpractice.

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 2020-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I've told them numerous times they have the wrong number. They call at LEAST 7 times a day ( sometimes 10-12 times a day ), every day from SO MANY different numbers. As soon as I block/report one number they call me from another. They call while I'm working, driving, sleeping, ect. They will NOT leave me alone and I'm getting in trouble for my phone non stop ringing while I'm with customers or in a meeting at work, while my kids are on the computer for school. THEY WONT STOP

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am writing this letter to file a serious complaint because BOA credit department refuse for my credit adjustment. 

I have paid off the loan balance on XX/XX/2020. I checked the account balance was XXXX via on-line banking, so I don't look at the account since then. 

On XX/XX/2020, my refinance agent told me that I have bad credit scores due to BOA line of credit showed LATE FEE in XX/XX/XXXX and XX/XX/XXXX for two accounts XXXX and XXXX. I was shocked and went to on-line banking to check, and find I still have a new balance of {$14.00} in XXXX statement and a late fee {$29.00} shown in XXXX and XXXX statements. But the late fee was waived and finance charge was credited in XXXX statement. 

I sent dispute letter to BOA, their response was the statements shown were correct, they will not change it. I didn't argue the data was error, but want to debate what it happened and seek for a courtesy credit adjustment. I usually have over XXXX score but now drop to 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 non-monetary relief
Consumer complaint received 2020-10-29 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:
After reviewing my credit report, there are currently numerous accounts and inquiries listed on my report that was not authorized or initiated by me. This was a result of identity theft, error or malpractice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 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:
After reviewing my credit report, there are currently numerous accounts and inquiries listed on my report that was not authorized or initiated by me. This was a result of identity theft, error or malpractice.

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 2020-10-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: GOLDMAN SACHS BANK USA
State: MD

Complaint narrative:
I have recently applied and was approved for a personal loan with Marcus by Goldman Sachs. I was lured to their website via a marketing affiliate that they have. My goal was to use the funds approved to pay off another lender with whom I currently have a personal loan with. I went thorough a two step process of first getting prequalified and formal application for approval. In both of the steps, I was NOT disclosed or fully made aware that I can only use the funds to payoff a limited number of lenders or banks they they work with. I only came to knowledge of this information after receiving approval and when I attempted to set up the lender so that they can pay them directly, which is a requirement. I contacted their customer service and they advised that the only option I had was to pay off other lenders that are on their approved list or withdraw my application. I was not even offered the option to lower the amount of the loan since I had other debt obligations that I could use the funds to payoff or direct deposit to my bank so that I can use the funds to pay the other lender. I believe this " bait and switch '' practice is truly unfair and in violation of fair lending requirements. Please take my complaint seriously and investigate this further so that they can stop to deceive more borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: FL

Complaint narrative:
I was contacted by I.Q. Data International on XX/XX/20 who was attempting to collect a false debt from me. This company accepted contract to represent their client XXXX  at XXXX XXXX XXXX XXXX XXXX Landlord ) to collect a debt that I did not owe. I.Q. Data International accepted this contract by their client even after their client violated Florida Statue 83.14. Now I.D Data International violated the Federal Fair Debt Collection Act. This company has called my work phone and disrupted my family time to collect a debt that I did not even owe. Their representatives were rude and condescending when I tried to get information about the debt they were trig to collect. In the end I had to follow their rules and send in a written request to see what the debt was for. The company never respond to my request which was received by them on XX/XX/20 at XXXX via certified mail ( Tracking number XXXX XXXX XXXX XXXX XXXX ) .Further on XX/XX/20 I retained a lawyer XXXX XXXX XXXX XXXX to also sent a letter to resolve this mater and not further effect my good credit. I. Q. Data also did not respond to my attorney. All documentation attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I had a total of 8 accounts with Synchrony bank for a number of stores. I was never late on a payment and always paid on-time and often paid more than the minimum amount. due. To my dismay, I logged in to pay on one of my accounts and found that all my accounts were simultaneously closed for no apparent reason. My credit score didn't drop, I wasn't late on any of my other credit card accounts or car payments, nothing. I called Synchrony Bank once I learned about the account closures and they would provide me with no information whatsoever on why they made this decision. The account closures happened about a week after Synchrony gave me a balance increase on one of my accounts ( meaning I was in solid standing with them ).

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 2020-10-29 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: VA

Complaint narrative:
I have unauthorized accounts & inquiries on my report and would like it to be removed according to the FCRA any inaccurate items on my Credit report that isn't % 100 verifiable or accurate must be 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 2020-10-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I had a Capital One Quicksilver credit card for several years. On XX/XX/XXXX, with the balance at {$0.00}, I closed the account. Today, XX/XX/XXXX, I got a notice from Capital One that I had a balance of {$79.00}, which includes a late fee. I was on the phone with them for more than 1 hour. Two people confirmed the account was closed and a charge -- from a magazine that I did not authorize to renew my subscription -- should not have gone through. I talked to a supervisor who said my account was open in XX/XX/XXXX. It should not have been because I have checked many times to make sure the account was closed before I moved on to a card with a lower interest rate. My credit reports also show Cap One account as being closed. 

This is fraudulent practice on the part of Capital One and XXXX/XXXX  XXXX. I do not want any paper magazine ( climate change ) and only do digital magazines. Please look into this fraudulent practice and penalize Capital One for doing this. Otherwise, any business that I once dealt with could go ahead and run a charge and Capital One will let it go through -- even on a closed account -- and stick me with the bill. 

I am enclosing this most recent statement and a statement from XX/XX/XXXX that is showing {$0.00} balance. I can not get a XXXX or a XX/XX/XXXX statement because the account was CLOSED. 

Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One authorized release of federally protected unemployment funds to a debtor submitting misrepresentation of documents as IRS Tax Liens to levy federally protected unemployment funds from my Capital One Checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 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: AZ

Complaint narrative:
*Experian XXXX XXXX XXXX amount {$10000.00} has a 90 day late payment on XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX  : {$10000.00} has a 120 day late payment. These 2 ACCOUNTS ARE REPORTING MISMATCH INFORMATION. Remove immediately *Experian XXXX XXXX XXXX  Amount : {$3600.00}, Date opened : XX/XX/XXXX This account is reporting a 90 DAY LATE PAYMENT. 
*XXXX  XXXX XXXX amount {$3600.00} is reporting a 120 day late payment. These 2 accounts ARE REPORTING MISMATCH FALSE INFORMATION. Remove immediately. 

*Experian XXXX  XXXX XXXX  Amount : {$1800.00} Acct # xxxxxxxxxxx XXXX Date opened : XX/XX/XXXX is reporting a 90 Day Late Payment *XXXX XXXX XXXX XXXX Amount {$1800.00} account is reporting a 120 Day Late Payment. These 2 ACCOUNTS ARE REPORTING MISMATCH FALSE INFORMATION ON MY CREDIT FILE. REmove immediately. 

*Experian XXXX XXXX Acct # XXXX Date of inquiry : XX/XX/XXXX This account does not belong to me, remove immediately

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 2020-10-29 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 HAVE TAKEN A LOOK OVER MY CREDIT REPORT AND FOUND SOME DEROGATORY ACCOUNTS ALL WITH XXXX BALANCES THAT WAS PLACED ON MY CREDIT FILE. I ALSO FOUND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT FILE. THE ACCOUNTS AND INQUIRIES DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME OR ANYONE REPRESENTING ME. I AM ASKING THAT AN INVESTIGATION TAKES PLACE ON MY BEHALF SO THAT THE ACCOUNTS AND INQUIRIES CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE.

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 2020-10-29 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XX/XX/XXXX Case # XXXX - Bank of America Home Equity Line of Credit account Correction of past due balance {$520.00} transferred to new servicer, XXXX XXXX XXXX as of XX/XX/XXXX we are requesting Bank of America to correct ( BOA ) the error made on our account which was then passed on to the new carrier, XXXX XXXX XXXX  ( XXXX  ). The root of the issue resides with the error BOA made on our account and XXXX  refuses to correct that error and has used it as a basis for continuing to declare that our account is in default, which is false. 

PLEASE CORRECT THE ERROR BANK OF AMERICA MADE ON OUR ACCOUNT AND COMMUNICATE THE CORRECTIONS TO THE NEW SERVICER THAT YOU MADE AN ERROR. The mis-information/error of the past due balance of XXXX was transferred as of XX/XX/XXXX to new servicer, XXXX XXXX XXXX  As a result, XXXX XXXX XXXX  has used this incorrect past due transfer balance of {$520.00}, thereby affecting our current balance and credit. XXXX response letters stated that BOA reported us as delinquent as of XX/XX/XXXX and continues to demand payment. 

Please assist us to resolve this BOA collection balance error that has been an issue since XX/XX/XXXX with XXXX XXXX XXXX. Attached are our supporting documents & response sent to Florida Office of Attorney General.

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 monetary relief
Consumer complaint received 2020-10-29 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: CT

Complaint narrative:
This company is refusing to correct my Personal Information and my SSN I submitted all the documents requested by fax and regular mail. please see attached. this company refused to accepted my disputes with the excuse of me having multiples SSN and that's a false statement.

please see attached letters sent to this company ( XXXX ) and documents as proof of identity update my personal information and remove/ deleted any other profile open on my name that should not. correct all mistake made for this company.

Company response to consumer: Closed with explanation