vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-11 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: TX

Complaint narrative:
I have disputed this 3 times with Experian. The other 2 bureaus have removed it. This XXXX account is for someone in XXXX XXXX. I called the company and they said the name and address are not mine but my social security number was used. I also sent an email on XX/XX/20 to XXXX to investigate this account and yet it still remains on my 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 non-monetary relief
Consumer complaint received 2020-02-11 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
these creditors are deleted oon other accts.XXXX  should delete

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 2020-02-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: D. SCOTT CARRUTHERS
State: CA

Complaint narrative:
I have attempted to contact XXXX  XXXX, not XXXX, and not D Scott Carruthers, a law firm, to contest the amount they say I owe for a personal loan through the original creditor XXXX. I have tried to get a response from XXXX XXXX directly to resolve my account. I am forced and rerouted to speak with XXXX XXXX who works at the law firm D Scott Carruthers to accept their amount of {$20000.00} as the amount I owe. I have contested this amount and asked to pay a settlement close to the amount that still appears on my credit report of {$3100.00}. In good faith, I have paid more than {$1100.00} at their demand to enter into any paid agreement, and they required $ XXXX  monthly as the only option to pay off the loan. I am unable to pay $ XXXX  monthly so they have declined all together to make arrangements with me as they continue to add interest 300 % more than the original loan. I am asking to set up a monthly amount of {$200.00} and a settlement equal to or near the original debt. They are not budging. They called me two weeks ago and I requested the same amount, and they said they would get back, but I have not yet been able to reach an agreement while the interest they claim is rightfully there's is accruing. I need help in getting a reasonable settlement with a monthly payment that I can pay. Why I am forced into an agreement with lawyers instead of the debt collector XXXX XXXX is also concerning. XXXX XXXX has not reported the the credit bureau any payments made in the amount of {$1100.00} to my account. Nor have they stated the amount of the debt owed. There aren't any trade lines with the amount I owe, as they accrue interest by withholding an a reasonable payment agreement. They aren't being transparent in my view. They would rather not make an agreement in your presence, but I need a reasonable agreement before they sue me for {$20000.00}. I need an agreement right away to stop this interest rampage. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Citibank was offering a Citi Flex-Pay Option on eligible purchases. This included a fixed 5.99 % APR for 24 months on eligible purchases. I recently made a large purchase and wanted to take advantage of this low APR. The purchase was made on XX/XX/2020. On XX/XX/XXXX, I contacted Citibank and was told I needed to wait for my next billing cycle to close to apply this offer. On XXXX, I contacted Citibank again to apply the flex pay option to my purchase. I was told by the customer service associate that this purchase did not qualify. He was unable to tell me why it did not qualify and a supervisor would reach out to me by XX/XX/XXXX to discuss the matter further. Based on the criteria outlined in this offer, the purchase I made qualified for this offer. No one from Citibank reached back out to me. I called Citibank again in the evening of XX/XX/XXXX. Again, I was told this purchase does not qualify and was not given a reason why. I was then transferred to a supervisor. After explaining the situation, the customer service supervisor told me that there is no specific reason as to why this purchase does not qualify. After being put a brief hold, the supervisor told me that Citibank has the right refuse this offer on any purchase it deems not eligible and this purchase fell in that category. After further discussion with supervisor, he confirmed that Citibank will not let me use this promotional flex-pay option on this purchase

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 2020-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am a victim of identity theft due to a XXXX  credit beech. On XX/XX/2020 I submitted required identity theft documentation to XXXX XXXX XXXX account # XXXX. They continue to report this fraudulent account .Section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN

Complaint narrative:
Fifth Third representative today told me it will take TWELVE DAYS to clear {$1000.00} of a {$6000.00} deposit I made using a check from my husband 's account at a local bank. 

According to the representative, " it's the computer, '' and this delay arises because I used the bank 's phone app to make the deposit. Nowhere in the verbiage for this app is there any language saying the bank will keep {$1000.00} of my money hostage at its sole discretion because I used a product it owns and sanctions. 

I had planned on using this money to pay off a credit card. Since I now can not access the full amount, I'll have to pay interest to a credit card company ( no ) thanks to Fifth Third 's failure, again, to provide adequate notice and service to its customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Holloway Credit Solutions
State: CA

Complaint narrative:
The company Holloway Credit Solutions located at XXXX XXXX XXXX, XXXX XXXX, XXXX, Al, XXXX reported a bill on my credit report without contacting me. 
They have my correct phone number and mailing address. I only found out about the debt after reviewing my credit report. 
I think this is a tactic they use to get people to call them. The medical bill is so old now that it can not be disputed using my insurance which I had at the time of service. They need to contact before reporting to credit agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 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: Sterling Infosystems Inc.
State: SC

Complaint narrative:
XX/XX/2006 the consumer report is reporting outdated negative information. More than 7 years old. I was unaware of that charge until this year and I never had a problem with my background check. I don't understand this company Sterling Talent Solutions Keep reporting this problem. Which is hindering mean from employment. I'm understanding This was tried in my absence and I was not aware of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: BlueChip Financial
State: GA

Complaint narrative:
This company repeatedly called my employer. Today XX/XX/20 I got a note from my employer and was told that XXXX XXXX was very rude and told them that it was a legal matter and I could be going to court. I called them back at XXXX and asked who this was for. Spotloan. And he stated that I was going to be persuaded for theft by taking. I tried to tell him if I allegedly owed this loan, what's this about. He said a settlement or face going to court. That they were calling for XXXX XXXX to try to come to an agreement. And asked what I could offer on a XXXX dollar bill. I said XXXX. He said let me check. Then this supervisor came on with this I don't care what you do either pay or go to court. I ended up agreeing to make payments and they made me attach a card number saying that if I didn't the offer would be void. I had told them I never received correspondence from spotloan and they said that's impossible and then told me it was in collection and I may have ignored it.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: MD

Complaint narrative:
It appears my monthly mortgage payments are applied to another account, ( we both have the same credit union and the same mortgage company ) not all of my 16 monthly payments, not all of my added principal, not all of my paid late fees have all been applied to my account. I can not confirm that my loan actually exists. The first time i phoned the customer service 800-line,  the operator said my loan " does not exist ''. The last time i logged on to their website, the screen froze for over 30-minutes. Then they sent me a bogus mortgage payment history. Cashiers checks mailed certified mail, and or XXXX XXXX overnight mail confirmation receipts appear to be fake. ( I see one signature, the the post office employee gives me a receipt with a different signature ). One lump sum cashiers check I endorsed in XX/XX/2019 to include my property address along with my signature, the bank stamped covering over my property address. leaving the entire bottom portion that is designated for bank use only blank. I asked my credit union, they said it's okay. In XX/XX/2019 the post office claimed to have mailed my mortgage payment to the wrong state, I had to replace and resend that payment while that lost payment containing all of my banking details was never located. Each time I speak with the customer service person at the loan office, I get different balances, different payment history. I finally got one customer service person to send me a payment history, just to find out that the money amounts quoted in that document do not come close to the total amount of Cashiers checks and electronic payments I have paid to date. Before I have electronic payments taken from my salary monthly, I need to confirm that my payments are being deducted from my balance. Not being split with another account, not being completely redirected to another account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Reliant Capital Solutions, LLC
State: TN

Complaint narrative:
On XX/XX/2020, sometime before XXXX XXXX, XXXX XXXX called not only my employer, but the office of the Director at my place of employment for the city of   XXXX on behalf of Reliant Capital Solutions. She did not call with questions attempting to identify my location. This company is not the original debt owner. She identified her employer without being asked. My place of employment does not allow personal calls at work. It prohibits personal calls on work time. I was notified via an official email from my Director 's personal assistant. I do not wish the stress caused by this blatant invasion on privacy and violation of the FDCPA amongst other violations. If I lose my job, I will surely sue for lost wages.This account is not even reported on my credit report. I have not ever received any written documentation from this company prior to the escalation of calling the Top office for the company I work for. This is blatant harrassment! An official cease and desist letter has been sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Capital One approved me for a MC Credit Card of XXXX in XXXX my credit is valid until XXXX. 
Capital One violated the terms of the our agreement by electronic false amounts and incorrect statements of what I owed to 3 credit reporting agencies. 
Debt Collection Violations by adding late payments and other incorrect amounts- raising and reporting my balance above my credit limit for months. I called and wrote Capital One and they agreed the amounts were incorrect in writing but continued to report the balances unto XX/XX/XXXX causing my credit score to decrease while attempting to collect debts I never owed. Capital One refuses to update their errors and mistakes while demanding I pay the XXXX. There was no investigation after I disputed the amount in writing XX/XX/XXXX for months. 
Although I called the Representative also they reported a debt and balance I never owed while paying my credit card on time. 
I'm one of the customers also affected by the data breach which we spoke about but it seemed to anger XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I'm trying to unfreeze my credit report with Experian and they asked me to send all my sensitive data via regular mail ( Copy of driver license, SSN card, utility bills and bank account statement ). 
I mailed all this sensitive information about 8 weeks ago and no reply. 
I sent them another request via regular mail and no reply. 
Over the website it is not possible to unfreeze the credit because they say the PIN is wrong ( Which I don't think so ), customer support doesn't exist, only automated answers. 
Not sure if now someone has my personal data and I'm further exposed to identity theft. 
It is not possible to reach anybody over the phone or email, only automatic system that keep saying to send again the above sensitive data via regular mail. 
I consider this way of operating unfair and dangerous to the security of the users. 
I'm stuck with my credit frozen and I don't know how to reach someone for help.

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 2020-02-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
The bank kept taking these unauthorized amounts out of my account, and then when I would bring up the issue with them they 1 ) spent a few hours telling me it was my fault, 2 ) finally admitted it was a bank error, 3 ) " fixed it '' by crediting the money back to my account, and then 4 ) it keeps happening  and they can't make it stop TRANSACTION HISTORY XX/XX/2020 $ ( XXXX ) XX/XX/2020 $ ( XXXX ) XX/XX/2020 $ ( XXXX ) XX/XX/2020 $ ( XXXX ) XX/XX/2020 $ ( XXXX ) XX/XX/2020 $ ( XXXX ) XX/XX/2020 $ ( XXXX ) XX/XX/2020 $ ( XXXX ) XX/XX/2020 $ ( XXXX ) XX/XX/2020 $ ( XXXX ) XX/XX/2020 $ ( XXXX ) XX/XX/2020 $ ( XXXX ) XX/XX/2020 $ ( XXXX ) XX/XX/2020 $ ( XXXX ) XX/XX/2020 {$1800.00} XX/XX/2020 {$1800.00} XX/XX/2020 {$1800.00} XX/XX/2020 {$1800.00} XX/XX/2020 {$1800.00} XX/XX/2020 {$1800.00} XX/XX/2020 {$1800.00} XX/XX/2020 {$8600.00} XX/XX/2020 {$8600.00} XX/XX/2020 {$8600.00} XX/XX/2020 {$8600.00} XX/XX/2020 {$8600.00} XX/XX/2020 {$8600.00} XX/XX/2020 {$8600.00} XX/XX/2020 $ ( XXXX ) XX/XX/2020 $ ( XXXX ) XX/XX/2020 $ ( XXXX ) XX/XX/2020 $ ( XXXX ) XX/XX/2020 $ ( XXXX ) XX/XX/2020 $ ( XXXX ) XX/XX/2020 $ ( XXXX ) XX/XX/2020 $ ( XXXX ) XX/XX/2020 {$3700.00} XX/XX/2020 {$3700.00} XX/XX/2020 {$3700.00} XX/XX/2020 {$3700.00} XX/XX/2020 {$8600.00} XX/XX/2020 {$8600.00} XX/XX/2020 {$8600.00} XX/XX/2020 {$8600.00} XX/XX/2020 $ ( XXXX ) XX/XX/2020 $ ( XXXX ) XX/XX/2020 $ ( XXXX ) XX/XX/2020 $ ( XXXX ) XX/XX/2020 {$3700.00} XX/XX/2020 {$3700.00} XX/XX/2020 {$8600.00} XX/XX/2020 {$8600.00} XX/XX/2020 $ ( XXXX ) XX/XX/2020 $ ( 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 2020-02-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: PNC Bank N.A.
State: FL

Complaint narrative:
My loan was refinanced and paid off with PNC Bank in XXXX. They did not properly release the electronic lien to the State Of  Florida so that I could update to my new lender. When I found out I was defaulting on my loan with my finance company due to this, I immediately called PNC Bank. This was on XX/XX/XXXX. They said there was an error on their end and it would be fixed within a week. It is now XX/XX/XXXX and the error is still not fixed and I am defaulting on my new loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 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: NJ

Complaint narrative:
XXXX XXXX XXXX I have recieved the results of an investigation that an item was deleted from my credit report. However, I recently viewed my report online and the item is still being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
I was shocked upon reviewing my credit report and I found a 30 day late reporting in XX/XX/2017. I am not sure how this happened. I believe I made all my payments on time I paid as soon as I get my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 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: AR

Complaint narrative:
I pulled my credit for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX {$830.00} US DEP ED XXXX {$26000.00} US DEPT ED XXXX {$36000.00} DPT ED/XXXX  XXXX {$60000.00} XXXX XXXX {$590.00} XXXX XXXX XXXX {$68.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-FILED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 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: Transcontinental Credit & Collection Corp
State: FL

Complaint narrative:
I lost a XXXX  last XX/XX/XXXX and went to XXXX XXXX  in XXXX. I was told it would be XXXX for all the work to be done. I will admit I was in pain and not paying complete attention. I had XXXX XXXX  XXXX   a XXXX XXXX and I have a XXXX XXXXXXXX XXXX XXXX. I have been calling since XX/XX/XXXX asking for a detailed bill. I have yet to receive that or a call and now I am getting late payments on my credit report. I want a detailed bill. I feel ripped off and now Im really angry this has taken too long!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: OpenRoad Lending
State: SC

Complaint narrative:
Open Road Lending had 4 companies pull my credit. I didn't authorize them to pull my credit. I called them and told them I want these inquires to be removed. I had people in Florida pulling my credit and using my credit. Ive put a freeze on my credit report to cant this from happening. They had my husband credit file pulled also his name is XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 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 an identity theft victim due to an XXXX  credit breech. on XX/XX/2020 I submitted identity theft documentation to Experian credit bureau and they continue to report fraudulent accounts, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX.Section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

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