vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-22 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: MI

Complaint narrative:
This not a duplicate this a letter Demanding the CRA XXXX, Equifax and XXXX  that are violating the FCRA and Identity Theft identity law. 
The CRA are in-violation of Fair Credit Reporting Act 623 ( a ) ( 5 ) ( A ) Delinquency Date. CRA why are not reporting any delinquent date from your client XXXX XXXX XXXX XXXX and no delinquency history. CRA s your XXXX account also does not state the status of the XXXX account Paid in good status, opening date of the XXXX account and delinquent date 90,120 days. The account just state Debit Buyer collection {$270.00}. 
Identity Theft violation XXXX, Equifax, XXXX  you allowed XXXX XXXX XXXX XXXX to create a hole new account in my Identity Type called Debt Buyer XXXX. The debt buyer account does not state whom XXXX XXXX XXXX XXXX. bought the debt from why? 
I am sending a letter from XXXX XXXX  stating they do not have a trade line to the debt and are not collecting the debt. Also XXXX XXXX  state they sold the consumer account to XXXX XXXX and for further information call XXXX XXXX. But on my credit report their are two accounts with a debit of {$270.00}. ( 1 ) XXXX XXXX for {$270.00} with an opening date of the credit card and delinquent date and payment history with no mention that XXXX XXXX sold the account. The ( 2 ) account XXXX {$270.00} Debt Buyer with no connection to XXXX XXXX. No Delinquent History. 
This is just a Scam between XXXX, Equifax, XXXX  and XXXX XXXX XXXX XXXX to threaten consumers to pay money for their profit. 
I am not going pay XXXX XXXX XXXX XXXX were all are going to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 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:
THE ACCOUNTS LISTED IN THIS COMPLAINT WAS OPEN UP FRAUDULENTLY THESE ACCOUNTS DO NO BELONG TO ME SOMEONE USE MY PERSONAL INFORMATION TO OPEN THESE ACCOUNTS I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX  CRAS. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 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:
THE ACCOUNTS LISTED IN THIS COMPLAINT WAS OPEN UP FRAUDULENTLY THESE ACCOUNTS DO NO BELONG TO ME SOMEONE USE MY PERSONAL INFORMATION TO OPEN THESE ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRAS. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-09-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
Was Working for XXXX XXXX XXXX in XXXX Tx as a XXXX XXXX, Was injured several ( 3 ) times and sent to XXXX XXXX XXXX XXXX Tx under XXXX XXXX. the XXXX XXXX that reads the xrays ( XXXX XXXX XXXX ) has sent the charges to collections. Instead of the Insurance carrier.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX, I requested Chase to set my cash advance limit to zero on account ending in XXXX. 
I was informed this is not possible as the minimum is {$100.00}. 
I replied asking for a second confirmation, as the other account ending in XXXX shows cash advance limit as XXXX. 
I was informed that the minimum they can change currently is to {$100.00}, and asked for a confirmation to set the cash advance limit on account XXXX to {$100.00}. 
I confirmed, and clearly advised that this should apply only to account XXXX and leave account XXXX untouched ( as it was already XXXX ). 
I received a confirmation stating the following : ************ We'll be happy to assist you with decreasing the cash line on your account ending in XXXX. 

XXXX, the cash line on the account ending in XXXX is XXXX. 
However, at present we can reduce it to a minimum of {$100.00} on the account ending in XXXX. Your new cash line is {$100.00} and you can use it immediately. 
************ Upon checking, I noticed it was not processed as stated. Instead, the {$100.00} cash limit was put on account XXXX ( that was previously XXXX  ), leaving account XXXX with the original cash limit ( over {$5000.00} ). 

I replied notifying Chase of the mistake and requesting to be fixed. 

While they fixed the cash limit on account XXXX, the account XXXX remains with {$100.00}, and I did not request any change in that account. 

Chase made a mistake, and is not handling it professionally.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-22 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: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
Reported fraudulent transactions on XX/XX/26, chase investigated for a few days then rebilled. 

After talking with them early XXXX it was clear they didnt do any actual investigating, just based their decision off internal data. Reopened case and contacted merchants, found that a fake ID was used for purchases, I was able to prove I was several states away at the time the transactions took place, signatures did not match, and the fraudster likely called customer service pretending to be me on XX/XX/XXXX probably asking for a limit increase. 

After the mountain of evidence Chase has to show this charges were not authorized theyre still standing behind their decision the charges were valid due to POS data from a chip card

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Called XXXX XXXX about inquiries I didnt recognize on my report and asked them to remove. They did not .even after I contacted the people and they acknowledged I didnt authorize. 

1. Capital one 2. XXXX XXXX  3. XXXX  XXXX  4. XXXX  XXXX  5. XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-22 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: VA

Complaint narrative:
XX/XX/2020 XXXX XXXX made a hard inquiry to the 3 credit agencies and Equifax 's score based on FICO Classic V5 Facta indicated a " Key  Factors effecting score '' to include " Level of Delinquency on Accounts '' and " Number of Accounts with Delinquency, '' however, when I reviewed my Equifax credit report, generated XX/XX/2020 with an Equifax agent, we agreed that there was nor have there been any delinquencies. Equifax indicated there is nothing they can correct if there is not a specific item I am disputing, so they have taken no action. I spoke with XXXX XXXX this morning, XX/XX/2020 and they confirmed this information is provided by Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: LA

Complaint narrative:
Upon attempting to legitimately transfer funds to my mom, the transaction was cancelled and my MoneyGram account was suspended. I have not committed a fraud, and my transaction should not have been flagged as fraudulent. My mom and I called money gram and spoke with someone in the XXXX named XXXX, transferred me to XXXX, with online services. XXXX stated that she can only speak with the account holder, when my mom asked what department was reached. XXXX obtained my name, dob, and phone number then asked me to hold for 2-3 minutes. She returned, stating that MoneyGram was not comfortable with completing the transaction, and for security reasons, cancelled it. She added that the refund was approved and {$1400.00} would be returned to the account within 3-10 days. She added that I should go into the store to complete the transaction. When my mom asked her what was the name of the company we reached, and to speak with a supervisor, she repeated what we overheard her being coached to say, that they could not conference the call and she could only speak with the account holder. I told them that I am the account holder and my mom has permission to speak. My mom asked to speak with the person who was coaching her, XXXX then stated that she will have to disconnect the call. 

If the transaction itself raises a question, why is it ok to sent it from a MoneyGram location.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: MA

Complaint narrative:
I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Both XXXX  and Equifax are refusing to update my credit data which would reduce my DTI to 29 % and increase my Score to XXXX. 

I know this for certain, because XXXX has my data updated and my DTI is 29 % and my score is XXXX. 

Finally CFPB should take a close look at the fact that XXXX  sells subPrime credit cards to people with low scores and has incentive to misreport DTI and resulting scores to keep consumers in the subprime market.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found a late payment in XX/XX/2019 for 30 days late. 


I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: OK

Complaint narrative:
I have FOUR problems 1. ) I purchased a XXXX XXXX XXXX on XX/XX/XXXX, at XXXX XXXX. I was approved with XXXX down with XXXX XXXX. I found out later the XXXX went to an extended warranty, and Gap they told me I had to purchase instead of the purchase price of the car. 
2. ) My car was repoed without notice on XX/XX/XXXX ; the next day, I paid the repo fee and the payment I was behind and picked up my car. The rep at credit acceptance told me to make the current payment, and I could defer the next one. I paid on XX/XX/XXXX. They called and said I paid the payment one day late, so my deferment was void ; they never sent me anything in the mail saying it was void. 
3. ) My car was put in the shop on XX/XX/XXXX, at the same place I purchased it, for almost seven months, while I was still continuing to make my car payment. The warranty I paid for would never pay for it ; the car dealerships owner found out about it and paid to have the car fixed. The warranty is a scam ; I need to be refunded. 
4. ) I informed Credit acceptance that I was a victim of fraud, someone filed a fake claim in my name for unemployment, my hours were cut due to COVID, and I got behind on two payments ;  they reported it instantly on my credit when they said they would not.

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 2020-09-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: IL

Complaint narrative:
I originally applied to Freedom Mortgage to refinance my mortgage on XX/XX/2020. After working our way through the process which included signing multiple disclosures and applications I was sent a notice of not completing an application on XX/XX/2020. This was due to a vague question emailed to me on XX/XX/2020 about the address I grew up at, with no explanation as to the issue. I never owned that house and moved out when I was XXXX years old over 20 years ago. They literally never asked me why they needed to know about that address and only sent an email with the address on it which I answered that I never owned it. The funny part is I have a perfect credit score and have had a perfect payment history with the loan I have from this company. Poor service and I suspect its due to the low rate I locked in which they probably can not honor. This company sucks

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 2020-09-22 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.

Complaint narrative:
ACCOUNTS LISTED ON MY CREDIT PROFILE THAT DOES NOT BELONG

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 2020-09-22 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX XXXX -- Dob : XXXX Mailing address XXXX XXXX XXXX, SSN : XXXX XXXX XXXX XXXX XXXX CA XXXX Ph : XXXX Email : XXXX Regarding : BOA CC # XXXX XXXX XXXX XXXX ATTN : CUSTOMER RELATIONS /DISPUTE RESOLUTION DEPT/ CREDIT DEPARTMENT XXXX XXXX XXXX XXXX XXXX, TX XXXX To whom it may concern, Ive been a BOA client all my life and have been well treated. 
Im currently suffering from a XXXX XXXX XXXX and unfortunately have been given XXXX XXXX XXXX XXXX by my doctors. During this time my plan was to build a home for my family. Which was going well until earlier this year, due to an issue with Bank of America. 

PROBLEMS CAUSED BY COVID : My bookkeeper was entrusted in making my payments due to my illness and as Covid hit, XXXX XXXX was one of the first place in the county to XXXX down. My mailing address is my office building and that was shut down to patrons and the public. As I was ill, my bookkeeping manager was entrusted with making my payments, who couldnt get into the building and couldnt even access any mail. 

PROBLEMS CAUSED BY BOA OPERATIONS In addition, neither one of us could go into the BOA branch to make the payment for XXXX, as branches around us started closing XX/XX/XXXX and the few that were open were far away and were operating for limited hours. Whenever BOA was called, hold times exceeded hours and no one would come on the phone Due to this we were late in making the payment. 
When we finally got a BOA rep on the phone, they told us they wont mark us late, however we were marked late regardless. 

I am attached a letter from my book kipper and proof my latest XXXX treatment. 
Im humbling asking Bank of America to remove the late payment from my credit report reporting for XXXX 2020 on my report Best 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 explanation
Consumer complaint received 2020-09-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
The following company XXXX XXXX XXXX, XXXX Attempted to collect a debt that dont belong to me I requested proof of ownership and non was provided, it was an identity theft, and i reported the incident to the mayor credit file companies and my credit was frozen to avoid future attempts to steel my identity, 3 yrs later this company PYOD LLC is trying to collect on behalf of XXXX XXXX, I requested over 60 days ago proof of ownership signature or an Government ID to proof I own that, I explain that was a fraudulent account and after 30 days still no proof of ownership, They keep calling and harassing me to pay what dont belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
I used to work for MCM but left the company over a year ago. While I was working for them, they changed software and I was a supervisor during this time. The software didnt work correctly so I had to use my personal cell phone to get the credit cards to work at times. When this occured, my cell phone number became attached to each account that it was used on. Before I left the company, I made sure to go through and search all accounts that my number had been linked to and disable the number. Not long after I left, I started getting calls looking for people from those accounts. I informed them at that time to make sure they werent reenabling my number because it was not a good number for any of these people. Now, I am again getting calls. I have had at least 10 calls in the last week for at least 3 different people. I again told them to disable my number and explained to them why it was on the accounts to begin with. They are not disabling it at all because I am continuing to get calls for the same consumer. One of them, I have now told them 3 times that this is not a good number, but the calls continue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have excellent credit according to XXXX  and XXXX  however Experian says I have bad credit, won't give me a copy of my credit report. I have been denied a car loan in XX/XX/2017 due to this inaccuracy. I have mailed them copies of my other 2 reports, drivers license copy and SSN.

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 2020-09-22 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:
I am filing this report because today XX/XX/20 I was made aware of some accounts on my credit report that do not belong to me. The way I found out was that I applied to refinance my car and I was not able to do so due to these accounts. I have listed all of the accounts names, numbers and balances on this report. I don't know who is responsible for opening these accounts in my name without my permission but I have already filed a police report, contacted the companies and filed a complaint with the CFPB. I did not benefit anything from these accounts such as money, goods, services or any other benefit and I never made any payments towards any of these accounts. I do not have any contract or affiliation to these companies and I have never given them permission to access my credit nor personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
I recently obtained a copy of my credit report and noticed many accounts that I had no knowledge of.

Company response to consumer: Closed with explanation