vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I am unaware of any valid contract with XXXX. They are currently reporting negative information on my credit file ; in which they claim I owe {$580.00}. I was first made aware of this situation when I went to apply for a personal loan and my application was declined due to this derogatory account that is still in my credit file. 

Please be advised that all attempts to validate this debt and request a contract have been unsuccessful. I have been told by this company numerous times that they can not provide me with a signed contract. They repeatedly keep sending me bill copies. This is not a validation. I was also sent a letter dated XX/XX/2019 indicating that they no longer have my application on file. How can they prove that this account belongs to me and that I initiated this account? 

I am keeping a file of the ongoing correspondence with XXXX  and demand that this negative information be removed from all XXXX credit files immediately. This has been an ongoing issue and I would like for it to be resolved as I am preparing to file suit for derogatory information on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I received a call stating that someone had used my XXXX account to purchase a new Cell Phone. 
XXXX XXXX  XXXX  was to be my source bank to process the cancellation of this charge. 
The got as far as trying to get XXXX to send {$300.00} to their email to deposit that money to recover the the theft of the charge to my XXXX account. 
XXXX correctly placed a hold on this payment. 
When the criminals called again to verify the transfer I explained that I had reported them to The FBI! I also told them some very caustic statements for my pleasure. 
Another bad guy from XXXX XXXX XXXX stifled at his own game.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-13 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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
According to Midland 's policy, they will delete an account from the credit report when the account has been paid in full. I've reached out to the company several times to find out when this will happen and they have not responded to my inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: NM

Complaint narrative:
This is a Care Credit complaint. I used them for a large dental bill. Interest, an outrageous 27 %, was deferred for 6 months, but I thought it was for a year. At the last day of the 6 month period they tacked on interest for the entire amount for 6 months at 27 %. When I called, I was told there was a 30 day grace period, but I had not been notified of that and had confusedly put off dealing with the bill until XX/XX/XXXX. 

I'm sure they can prove their case and their legality, but I do NOT think this should be legal. They are deceitful, confusing, and taking advantage of Americans who can not pay for dental, veterinary care for pets, and auto and truck repairs because the economy is so bad for your average American ( 90 % of us! ) All are essential for survival. I think it is unethical to let vultures like this take advantage of us. Usury has been allowed for a long time. Banks charge outrageous interest rates and yet our savings only makes .01 %. How can Congress justify that?!

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 2020-06-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
In XX/XX/2019, I left a XXXX XXXX that I started called XXXX XXXX. We opened up a business credit card in my name and my Partners refused to transfer the balance. While we negotiated the sale of my shares, all of the items related to me were supposed to be removed from the business, including the credit card. 

The credit card ends in XXXX. Business name is XXXX XXXX . I would like a late payment to be removed because I had no means of making this payments once my former Partners ran up the credit card and stopped making payments. 

The card is now closed and we are working with the courts to have my former Partners to pay off the remainder of the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX, XXXX & XXXX  reflects whatever data the credit card company wants reflected for each individual. 

So I am filing a complaint against my credit card company to report missing active, good-standing revolving credit card accounts & it's entire history accurately to all 3 credit bureaus. 

Per XXXX  & XXXX  - Capital One is suppressing these revolving accounts from being reflecting on all my credit reports. However, these credit cards are open, with active balances and I have never made a late payment at any time. 

I have 2 revolving cc accounts that are missing from 2 or more of the credit burueaus. 

Capital One Visa ending : XXXX Capital One Mastercard ending : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I was charged a very high-interest fee ( approx {$200.00} ) on my XX/XX/2020 Home Depot Credit Card Statement, for a Home Improvement Purchase promotion that had expired and I, kindly requested to extend due to the current pandemic, the no-interest promotion ( as have other retailers -Best Buy- done with their store cards, extending without having to request ) but Home Depot has refused.

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 2020-06-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ENOVA INTERNATIONAL, INC.
State: TN

Complaint narrative:
Submission of complaint : CashNetUSA CFPB, 1. I had a 2-year Flex Loan with CashNetUSA. Approved via telephone and opened XX/XX/XXXX. I had automated debit payments through my checking account. The loan was paid in full meeting the contract agreement on XX/XX/XXXX. 
Months passed and it was not reported on any credit reporting agency ; XXXX XXXX or XXXX With perfect payment history, I expected this positive loan account on all 3 credit bureaus influencing my credit score. 

2. I have contacted CashNetUSA multiple times in a 2 year period to have them report my paid off loan to 3 credit bureaus. Each call I heard the same information from " supervisors '' saying : " We do not report information to credit agencies ''. When I asked ; I cited the Fair Reporting Act 15 U.S.C. 1681. They refused to report my loan to any credit bureau. 

A. I asked if they reported negative information for nonpayment of a loan ; their answer was " yes ''. 

3. I have contacted all 3 Credit Bureaus. 
a. Websites : Disputing the omission of my 2-year flex loan through CashNetUSA. All 3 agency websites were not formatted or set up for disputes of " non-information '' or " information not listed ''. 
b. Phone calls : Several with no action. 
c. Mailed packages to 3 credit reporting agencies with multiple pages of detailed loan information and payment history. I received 3 letters back telling me to call them. After multiple phone calls to 3 credit bureaus explaining my case, CashNetUSA is still NOT listed on my personal credit reports. 

4. There has been no resolution as of today. XX/XX/XXXX. 

4. Attachments enclosed XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: OK

Complaint narrative:
I C Systems is reporting three accounts on my credit report for the amounts of XXXX, XXXX, and XXXX. I called I C Systems and asked for the dates of service for these amounts and was told they were XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, respectively. I then called my insurance company to verify that I did indeed have services done on these days before I verified these debts to be accurate. It turns out that I do no have any EOB 's from any of these dates of service from any provider, let alone the original creditor, XXXX XXXX  XXXX. I would like I C Systems to remove these three accounts from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: MN

Complaint narrative:
I paid XXXX directly in full of {$450.00} on XX/XX/2020. XXXX stated the bill was paid in full and no credit collection acts would take place. By law, XXXX must recall the debt from Convergent Outsourcing. Therefore, Convergent Outsourcing has no legal reason to be reporting on my credit reports and must 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 2020-06-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: HI

Complaint narrative:
I have two credit card accounts accounts with Capital One that I have had for almost 27 years and 15 years. On XX/XX/2020, I was sent a notice that one account ( {$30000.00} line of credit ) would be closed due to being inactive. I called Customer Service today ( XX/XX/2020 ) to ask that it not be closed as I use it for emergency purposes in my XXXX XXXX I was told the discussion was final. I did not receive any prior notice that it would be closed. The customer service rep indicated that I would not have received any prior notice. I expressed my concern that although I hadnt needed this line of credit for many months, I did plan to use it for an upcoming project. More importantly, it provided financial peace for my XXXX  during a time of a global pandemic. I inquired to whether some/all of this credit line could be transferred to my other account. The response was that it is not their policy to transfer lines of credit. I asked to escalate the issue. He indicated that no escalation path existed but I could speak to a supervisor who had the same access/authority as he did. I declined. I find closing accounts during this time to be unacceptable just because they have been recently inactive. This account has a perfect payment history and I have a FICO of XXXX. I also attempted to request a replacement card for this account on XX/XX/2020.. .but the estimated hold time was 6 hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I am trying to delete ERRONEOUS Name Variations of MY CORRECT LEGAL NAME ( XXXX XXXX XXXX ) from my Experian Credit Report. These erroneous name variations are : 1. XXXX XXXX XXXX, 2. XXXX XXXX, 3. XXXX XXXX, and 4. XXXX XXXX XXXX. I went through my EXPERIAN.COM website Account Dispute Center to accomplish this task ; but the EXPERIAN.COM WEBSITE Dispute Center would not let me do it online, I have to call Experian ( See Attached ). The website was created by Experian to make it EASIER for consumers to maintain ACCURATE Experian Credit Report Information. The Experian website already SCREENED ME and VERIFIED MY IDENTITY when I created the Experian Account ; so why do I have to DOUBLEDOWN and call Experian also?

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 2020-06-13 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:
See attatched Tracking XXXX  Proof Delivery to Equifax Thurs XX/XX/XXXX. See attatched XX/XX/XXXX Letter from me to Equifax Requesting VERIFICATION OF XXXX & XXXX  ACCOUNTS. MAIL FRAUD Criminal Investigation USPS DELIVERIES NOT MADE XX/XX/XXXX. See attatched Equifax XX/XX/XXXX. See attatched Equifax Reports. See attatched FTC ID Theft case XXXX. My complaint is : Despite written requests the unverified original signatures of delivery into my hands and Dr License & Signature VERIFED I Opened Accounts have not been provided. The Accounts still remain on my credit report in violation of Federal Law. Equifax is required under FCRA to have a copy the original creditors documentation on file to verify that this information is mine and correct. In the reports Equifax stated " VERIFIED '' that these items were being " REPORTED CORRECTLY ''? Who verified these accounts? Equifax has Not provided me a copy of any original documentation ( a consumer contract with my signature on it ) as required under SECTION 609 ( a ) ( 1 ) ( A ) & SECTION 611 ( a ) ( 1 ) ( A ) Furthermore Equifax failed to provide the method of verification required under SECTION 611 ( a ) ( 7 ) Under SECTION 611 ( 5 ) ( A ) of the FCRA REQUIRING Equifax to " ... ..... 
Promply DELETE all information which can not be verified ". *THE LAW IS VERY CLEAR THESE BANKS ARE REQUIRED TO BE ( XXXX XXXX COMPLIANT ACCESS TO ALL XXXX. ) I HAD NO ACCESS TO THESE ACCOUNTS. XXXX The Law is very clear as Civil liability SECTION 616 AND 617. I DEMAND EQUIFAX VERIFY THE XXXX  & XXXX ACCOUNTS WITH ORIGINAL DOCUMENTATION OR DELETE IMMEADIATELY. I have only recieved credit reports claiming these accounts are verified, I have the right to ask for the original signed contracts wit ID to truly verify my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 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: Google Compare Credit Cards Inc.
State: AZ

Complaint narrative:
I thought I had ordered tech support from XXXX for {$10.00} turns out I had nothing and XXXX  used Google pay to take {$10.00} off my gift card

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 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: CA

Complaint narrative:
ive been a vicitim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Today I spoke with Mr. XXXX of Capital One ID- XXXX  who assisted me allegedly with skipping my XX/XX/XXXX payment. However, XXXX ID XXXX allegedly a customer advocate who I found him very condescending, demeaning and quite the opposite of the definition of advocate. My wife was extremely disturbed by his lack of professionalism and response. Frankly in our opinion he seemed not to be with it since I had to repeat myself a number of times and he NEVER answered my questions!. I finally had t cut off all communications with him. The fact is I asked him to hold onto the phone conversations from Mr. XXXX and with him XX/XX/XXXX between XXXX and XXXX XXXX. and to enter specific commentary into the account notes. I do believe you will find only negatives. I have already opened 3 complaints with you the CFPB XXXX-XXXX  and with the FTC and department of Financial Regulation State of Florida and Federal Reserve which sent me to you AGAIN! They have refused to respond to the earlier complaints and now have once again impacted me financially credit wise, fees and other issues ad inhibited my ability to gain financial loans or purchase a vehicle. I do not know why you have not assisted but sadly you have done nothing and they are evidently not interested and not concerned? You also have NOT repaired the incorrect name for my wife even though XXXX XXXX has corrected the issue multiple times whichoall you have to do to prove that lie is check out my wife 's name posting as XXXX  and with a middle initial of XXXX Opinion- A sham if immense proportion concerning their lack of skipping a payment I requested and I was assured by them it was and today immediately after Mr. XXXX assured me it was the so called Customer advocate XXXX  stated it was not done! LIES! A review will show I have been in touch with them multiple times via every venue and they failed to reply or respond. They merely ignore. To get through to them almost impossible! Their responses all fake news.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 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: NV

Complaint narrative:
These are not my accounts, nor are the addresses listed on file.

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 2020-06-13 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: NV

Complaint narrative:
These are not my accounts, nor are the addresses listed on file.

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 2020-06-13 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: NV

Complaint narrative:
These are not my accounts, nor are the addresses listed on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: GA

Complaint narrative:
XX/XX/XXXX cashApp locked my account. I sent email the same day. Customer service stated it would be resolved in 24 hours. I contacted them everyday since the XX/XX/2020. XX/XX/XXXX cash app support sent a email asking me to verify. I replied an hour later. Ive sent emails, and contacted support via XXXX. Still no response and my account is still locked with all my funds. I have a decent amount of funds in that account and now I cant purchase food etc for my  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
American Express prepaid Gift card company I have reading today not to use them, just saw it or I would not have. 
I just reported American Express -they seem not to care thief recordings are not right and now they hire people who can not speak English very well before I could put my order in on their card the money was stolen, and American Express states they can not help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I recently found out that Section 623 states that the creditor can not continue to report it when disputed unless they have proof to the contrary. I didn't receive documentation to such proof. I request to further clarify the company 's compliance with Metro2. I also demand this agency/company to provide verification of documents that you have reviewed. Otherwise, delete these accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 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: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I had filed Bankruptcy Chapter XXXX but the mortgage was not included on the bk. Last year when I received the discharge, I was checking on my credit and realized that my current mortgage was never reported. Last year, I called several times to ask about this with no answer. This year I started pressing more and called on XX/XX/XXXX and XX/XX/XXXX and both occasions received a letter indicating that under RESPA will be receiving a response within 30 business days but until today no response has been received. 

In addition I had applied for a loan modification extension but it was rejected because when my current mortgagholder pulled out my credit I do not have credit score with XXXX  as a result of them not reporting to my credit bureaus affecting to be able to obtain credit with other creditors.

Company response to consumer: Closed with explanation