vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-18 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: AMERICAN EXPRESS COMPANY
State: DE

Complaint narrative:
i am in a deep hole due to fraudulent activity and i have done almost everything i possibly could to correct this misinformation on my report. theres an amex card saying i owe over {$12000.00} which is not true and a few other wrongly placed items. please look into these and block the accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 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: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
XXXX This account has never been late. 

In XXXX of 2020 according to XXXX and XXXX it is showing I am late in that month. 

This account has never been late and as per " special agreement '' due to Covid 19 it should not be reporting as late. 

Please, it would be most appreciated for my account to be accurate and to have this error corrected. 

Warmest regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: WV

Complaint narrative:
I would like to link account to XXXX account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: CA

Complaint narrative:
Today I received an alert that shows an account that is well over seven years old it shows that the account was open on XX/XX/2020 which is incorrect. This account shows 12 months of no payment history which is also incorrect I was never contacted on behalf of this account for resolving or making payments. The account was so old I didnt know that it would make a new mark and move my credit score down 18 points. I called to dispute this because the dates are incorrect and I was not contacted. The debt collector purchased this account and added new dates. Im in the process of purchasing a home and this doesnt look good especially not being correct

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Costco solicited and accepted a credit card application in my name from my wife without my consent and without me even being present in the store. My wife does not even have the same last name as me, so even if it was legal to accept a credit application in one spouse 's name from the other spouse ( which it is not ), how would you even know we are married? That could have been any random person in your store with my information and yet your representative did not even hesitate to take the application. Costco is allowing ( perhaps encouraging? ) front line team members to accept fraudulent credit applications. Why would you ever accept an application from a person in a completely different person 's name? How can consumers trust that Costco is keeping their personal information safe when they do things like this?

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 2020-06-18 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I received my credit report on XXXX XX/XX/2020. I disputed with Equifax ( Online ) an address and received confirmation on XXXX XX/XX/2020, that it was deleted. Today, XXXX XX/XX/2020 when I refreshed my credit report, the address in question was Not deleted. Please forward this concern for correction to Equifax. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: GA

Complaint narrative:
Return a phone back to XXXX  in the store. Sales representative took the phone. XXXX is reporting they didnt get the phone it been years more than 7 years. The collection was removed from my credit but this company name Enhances Recovery in XXXX have been calling me trying to recover money from this old collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
We have been banking for our business with Bank of America for over 8 years. Today, when I reached out to Bank of America, I found out that our account is forced closed on XXXX. I was advised by the bank associate to call the number on the back of the ATM/Debit card and get this corrected. Upon calling XXXX I was connected to XXXX in New Jersey ( location described by the representative ). After requesting for help, he spoke to his Supervisor and told us that since the account is closed we can not restore it. We tried to speak to the Supervisor but they hung up the phone. 

This is totally upsetting to us as we had this account for a very long time and due to recent lock-downs and travel limitations we are not able to get all the account holders in one place. Secondly, this is our main account for all our electronic deposits and payments as well. We have not received a single notice from Bank of America for such actions. We have been receiving all e-mails regarding our daily balances. At this point we are asking for your help to get this account restored. We can't afford to open a new account since we have to go through a lot of hassle to update our information with many vendors. It's only been 15 days, no notification of closing of our account. I don't see a reason for not being able to continue as it is.

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 2020-06-18 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
To Whom It May Concern : Today, out of nowhere, without any warning or justification, I received a notice from Bank of America regarding a credit card account that I have had with them for several years ( at least five years, and possibly more ) was suddenly and immediately closed. A copy of the email I received is attached to this complaint. I also have a second account with the bank, which is currently in the midst of a promotional cycle, so I have been using that one for charges instead of the one that was closed. The email notification does not include any information about why the account was closed, but given that I have not used it for a few months, perhaps that was the reason. 

However, I am filing this complaint because I had an accrual of rewards points attached to that account worth approximately {$500.00} or more -- yet according to XXXX in the Tennessee XXXX XXXX for Bank of America, the points were FORFEITED when the account was closed. However, I was provided with NO WARNING or rationale for the closure. The email from the bank says that I will received such information by mail. 

Why should the bank have been able to effectively steal or withhold from me some {$500.00} worth of cash-equivalent ( and redeemable ) points without any notice or justification? I earned those points through spending, per the contractual terms of the credit card, and I made all payments diligently for years. How many other consumers have had their points taken away with no warning or cause -- i.e., a failure by the bank to fulfill its obligation under the rewards program? Thank you very much for your assistance. 

Sincerely, 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 monetary relief
Consumer complaint received 2020-06-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Duncan Solutions, lnc.
State: NJ

Complaint narrative:
This is an XXXX violation but I have an active XXXX   account for the past 15 years in good standing.. charges should have applied to my XXXX account and should have not resulted in charge and penalty

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing this due to non-compliance with the CRA ( Equifax ). I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. They are not following E-Oscar and Metro 2 compliance protocols that the FCRA has in place and violating the FCRA. I believe that they are being in non-compliance with the federal law. The company came back and said that the account is accurate but have not produced any documents. There is no way that this trade line is reporting accurately. I wrote them on XX/XX/2020, along with a copy of my credit report outlining the inaccurate information.They wrote me back on XX/XX/2020 ( Confirmation # XXXX ) and said that the trade line was reporting accurately. I do not believe that they did a proper investigation in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 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: Law Offices of Robert J. Colclough, III
State: CA

Complaint narrative:
I received an alert on XX/XX/2020 that a collection account was placed on my report. I have perfect credit with no blemishes. I have never heard of the company or the collection agency, which I have never heard from via written or voice communications. I had pervasive and repeated Identity Theft over the last few years, I sent Allied Collection Services of California the FTC Affadavit of ID Theft with a nortarized statement, and two police reports regarding the ID THeft, and told them it was urent. They didnt respond, and I called back to talk to a manager and they would not let me. They placed this on my XXXX XXXX and XXXX reports with no warning, no letter, no call. I provided all of the documentation at once proving it was fraud. I see many complaints about this companies practices so I need protection from having my credit ruined due to fraud. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXX {$2500.00} XXXX. I have reached out to XXXX in reference to this account. The account is reporting inaccurate information. 90days late payment without it ever reporting 30 or 60day late.which is a violation of fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XXXX {$2500.00} XXXX. I have reached out to XXXX in reference to this account. The account is reporting inaccurate information. 90days late payment without it ever reporting 30 or 60day late.which is a violation of fair credit reporting act.

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 2020-06-18 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: TX

Complaint narrative:
XXXX This account has never been late. 

In XXXX of 2020 according to Equifax and XXXX it is showing I am late in that month. 

This account has never been late and as per " special agreement '' due to Covid 19 it should not be reporting as late. 

Please, it would be most appreciated for my account to be accurate and to have this error corrected. 

Warmest regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Penn Credit Corporation
State: PA

Complaint narrative:
I have a debt that is dated from 2011 that is reporting on my XXXX   credit report monthly impacting my credit scores monthly. This is not a revolving debt. This is a debt for XXXX that was not my debt. Ive requested the original documentation to confirm the account information but have not received any written verification

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
Capital One Bank : XXXX - I have always paid this account online and I was not late on XX/XX/17. This was submitted by me personally through their online payment system. Therefore this payment was not late. Please remove from my credit report immediately!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
I am a co-borrower with my daughter who completed her XXXX from XXXX College XXXX, MA. I have been dealing all the correspondence and making payments of the loan. 
The First loan Application was from NellieMae for {$20000.00} for the period XXXX Loan was never disbursed to XXXX College MA Moreover we never heard about NellieMae. 
The Second Loan Application was from SellieMae for {$18000.00} for the period XXXX Loan was never disbursed to XXXX College MA The Third loan Application was from SellieMae for {$15000.00} for the period XXXX Loan was received by XXXX College MA as mentioned in their loan Letter attached and copied to Navient several time. We did not receive any documentation of proof from Navient. 
We send the following letter to Navient in XXXX If you have made a payment to XXXX College . Please send front and back copies of the cancelled check sent to XXXX College showing the check cashed by them. If the payment was made electronically through your bank. Please contact your bank to obtain the Electronic Funds Transfer number so that we can confirm from XXXX College. 
In the absence of the correct documents I will not restart the payment of two Loans. However, I will continue to make the payment of the Loan received by XXXX College. 
As per your document for Loan XXXX a principle of {$2300.00} and payment of Interest of XXXX made to you. 
As per your document for Loan XXXX a principle of {$2200.00} and payment of Interest of XXXX made to you. 
As per your document for Loan XXXX a principle of {$3300.00} and payment of XXXX of XXXX made to you. 
The two Loans ending in XXXX and XXXX which were not paid to XXXX College, we have paid a total principal of {$5600.00} and interest of XXXX. The total of XXXX must be applied to the only loan paid to the College. This conclude that we have made a payment and interest more than the loan. 
Selliemae did not provide us any information about the Disbursement of finances to the college.

On completion of education as required by Sallieme we started the repayment of loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
On or about mid XX/XX/2019 my identity was stolen and accounts opened in my name at XXXX XXXX XXXX and XXXX XXXX XXXX. These issues were resolved. Several months later I received a bill from Capital One for over {$2000.00}. I had filed a complaint regarding my identity as well as spoke with a Capital one representative. My credit report currently shows a Charge off of this amount but states the dispute was determined to be my responsibility. Obviously, there was NO investigation as I never opened a Capital One account. They do not have my signature nor was my identity verified. There must be some one to determine who opened this account and who used the card. There are cameras everywhere and it should be simple to look up a purchase and determine who is using the card. 
I have disputed the addresses listed on my credit report 3 different times and yet they remain. I have NEVER lived anywhere other than XXXX XXXX XXXX XXXX   XXXX, & XXXX XXXX XXXX XXXX. both located in XXXX, WA. 
I need this resolved and I need a REAL investigation. People should not be able to open up credit without a picture ID & verification that the individual is the person seeking credit. The burden should not be on the consumer with these types of reckless policies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC.
State: NV

Complaint narrative:
XX/XX/2019 I paid my rent of {$1700.00} four days later I was evicted four days later and had to leave in 24 hours. They kept my rent of {$1700.00} and my deposit of {$3500.00}. 
They then sent me to collections with an itemized bill of expenses that are not true. They double charged for cleaning. They charged me {$1100.00} for cleaning carpets. There are no carpets in the unit. I stayed there for over two and half years and was charged for items that should be normal for someone who lived in the same place for so long. 
I should not owe any money after they kept over {$5000.00}. 
Please look at the attached list and you will see these false charges. 
I was charged for cleaning three times and if we include carpet that doesn't exist it would be four times I was charged for cleaning. Please help with this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: CARD Corporation
State: FL

Complaint narrative:
I had recently had a direct deposit to my account, They immediately held the funds It was my unemployment benefits. 
I have faxed And emailed all documents they have asked for, and they have yet to release the funds. 
They are giving me the run around. 
This has been going on for 2 weeks. 
Every time, I send the papers, and call them, they tell me to send another document. Just keep adding on, I have sent them the most personal and confidential and financial documents.ID, social, W2, check stub, explanation of funds, phone bill

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SinglePoint GI
State: FL

Complaint narrative:
I was notified by General revenue of a debt allegedly owed by myself to XXXX XXXX University. The debt is allegedly derived from a period where I was not a student at the school and was not enrolled in the school. I was never contacted by XXXX XXXX University regarding this alleged debt and was never offered the opportunity to dispute this debt directly with the school. I am currently enrolled in school and all of my student loans are in deferment status with the United States Department of Education. I explained to General Revenue in two separate correspondence letters that I was unaware of this debt and its origins. I received the most recent correspondence from General Revenue On or about XX/XX/XXXX and the letter stated that the account would be reported to the credit bureau if I failed to pay the debt or make payment arrangements. The validation provided by General Revenue was a form void of any signatures or any identifying markings from me. I am still unaware of the origin of this debt and. The form allegedly validating this debt was allegedly for the summer of XXXX. I am completely oblivious of this alleged debt and was first contacted about this alleged debt by General Revenue

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: TN

Complaint narrative:
I received an initial communication from AFNI, Inc., by mail on XX/XX/2020, stating they were attempting to collect a debt. I have no written agreement with any company to disclose any information to AFNI, and have no such account with AFNI. 

I received a second communication from Afni by mail on XX/XX/2020, attempting to collect a debt. 

They have provided no verification of this debt. This account is still being reported as a derogatory account on my credit reports by XXXX and XXXX, tarnishing my reputation of creditworthiness. 

I have sent them a certified letter dated XX/XX/2020, asking them to cease all communication and remove this account from my credit reports.

Company response to consumer: Closed with explanation