vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capstone Credit & Collection, LLC.
State: FL

Complaint narrative:
Says I owe XXXX which I do not I paid the past due rent to the courts I have proof of that.. And also Im being charged for carpet which was cleaned I have proof of that from the person/company who cleaned it I have the bill and a live video and pictures of it being cleaned and the cleaning contract. Also Im being billed saying I left items in the apartment I have live videos and pictures of the apartment being cleaned and also a signed statement from the movers that will speak in court stating the apartment was clear of all items I have live videos and pictures of the apartment being cleaned and upon moving out.. I also have a receipt and email from the leasing office stating I paid the debt also receipt from the clerk of the courts.. I will take this company to court if this false information is not taking off my credit Ive already brought it to an attorney and Ive been told that I have a case and I will sue for damages that this false information has done to my credit. Ive spoken to the Park at XXXX management and was told that they have nothing to do with the case anymore and that I have to file charges against the collection agency which I will do its against the law to file false information on someones credit report and I will sue for damages if this false information is not taking off and I will also go to the News if need be about this company.. Im sending a picture of the carpet and also the receipt that I was emailed by the apartment manager also the clerk of the courts information where the apartment request a dismissal of the case From XXXX by the lakes which is now called the park at XXXX apartments I also have live videos of the clean apartment with the date and time and also statements from the movers and carpet cleaner. I will take this company to court for false information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: C/C Financial
State: FL

Complaint narrative:
company XXXX XXXX I open an account XX/XX/2012 rental agreement amount {$5400.00} I paid account in full {$5400.00} the company XXXX XXXX never reported to the credit bureaus, I demand this account be updated as paid in full.

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 2020-11-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
bluebird by American express fraudulent business practices they forced everyone to update the app causing all customers to be locked out we can not access our own money

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 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: SC

Complaint narrative:
Upon reviewing my credit report, I noticed that there are several errors on there that are severely impacting my credit. Please investigate these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
My bank statements were changed somehow to be received online rather than paper. 
When I call Bank of America they said it was an internal error. 
I have opened a dispute since the incident happened in XXXX of XXXX. 

I have had this account opened since XXXX of XXXX and never paid late. 
I take pride in making on time payments. 

I am hoping we can reverse this error because it cause my XXXX XXXX to drop significantly. After my dispute they said they were not able to change the history. 

I feel I should not be penalized for their systems error.

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 2020-11-17 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP
State: NH

Complaint narrative:
XX/XX/2020 I received a Visa Debit Card from U.S. Bank ReliaCard in the mail. 

I did not request this card, nor do I receive, nor have I ever applied for, government benefits. 

I attempted several times to call and cancel this account. I did not activate the card or provide any personal information although to get through on the phone menu I was asked to provide personal information, which I did not. 

I am concerned about this being a phishing scam and also that my identify could be compromised. 

There is no mechanism to contact the company and deactivate this account or remove myself from their phishing database. I do not wish to identify myself to them considering to do so, it would mean that I would have to give them more information about myself.

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 2020-11-17 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: FL

Complaint narrative:
On XX/XX/2020, I contacted Experian via USPS Certified mail to request a investigation into 5 accounts that were incorrect on my credit report. I never received a response from the company even though they received my dispute on XX/XX/2020 via certified mail tracking receipt. I contacted Experian a second time via USPS Certified mail on XX/XX/2020, to notify them that they failed to comply with my request within the allowable timeframe and to please remove all 5 incorrect accounts. They received this request on XX/XX/2020 via certified mail tracking receipt and they have not honored my request to remove the account they failed to investigate. Instead on XX/XX/2020, report # XXXX, I received dispute results for accounts that were Disputed & received on XX/XX/2020. I did not dispute any accounts on XX/XX/XXXX, I was asking to have the accounts that were NOT investigated from XX/XX/2020 to be removed. This company is breaking the Fair credit Reporting Act law. Please assist.

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 2020-11-17 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
6 months back I was added as an authorized user on my father 's Care Credit account. A few months back my father requested that Care Credit remove me as an authorized user. They told my father they removed it. a month and a half went by and the account still reporting on all 3 credit bureaus. 
My father called Care credit 2 more separate times repeating the same steps. It has been well over 6 months and they are still reporting this on my credit report. This is affecting all of my 3 my credit scores, and I am trying to purchase a home. Please have Care credit remove this account from all 3 bureaus.

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 2020-11-17 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: SC

Complaint narrative:
Upon reviewing my credit report, I noticed that there are several errors on there that are severely impacting my credit. Please investigate these accounts.

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 2020-11-17 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: SC

Complaint narrative:
Upon reviewing my credit report, I noticed that there are several errors on there that are severely impacting my credit. Please investigate these accounts.

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 2020-11-17 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Granite Edvance Corporation
State: PA

Complaint narrative:
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Millco Management
State: FL

Complaint narrative:
I received notification from XXXX XXXX that a new collection was placed on my credit report out of the blue so I checked it and found out that without any notice or dunning letters, Amerifinancial Solutions placed a debt collection on my credit report for {$460.00}. I had no knowledge of this debt and again, never received any notifications so that I could try and dispute this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX I got a use car XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx. XXXX Tel. XXXX. I made a down payment of {$5000.00} to XXXX XXXX they didnt tell me the bank thats will finace the load, but they made me to sign some blanks Finacial documents saying they want to send it to the multiple finance company to see the one that will accepted to finance the loan. Few days later they called me and told me that Wells Fargo Bank has accepted to take the loan, that they will finance {$18000.00} with 3 percent interest rates and the monthly payment will be {$500.00}. I have been making payment on this loan up to XXXX of XXXX. Well Fargo bank also charge me {$600.00} for CPI Insurance for the total of 19 months a total of {$11000.00} base on my calculation. WelllFargo Bank and the car dealership sales me a used car for the price of a new car, they sold the car for {$26000.00} when the actual cash value for the car at the time of sales was {$14000.00}. I have paid a total of {$29000.00} for the car they only finace {$18000.00}. I want Wells Fargo Bank to refund {$11000.00} over charge on the CPI insurance and {$12000.00} over charge on the price of the XXXX XXXX XXXX, Total of {$23000.00}

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 2020-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital one has stolen money from my account and given me the run around. Why do they have so many Aliases? I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
This complaint is against Navient, the company that services my daughter 's student loans and for which I have Power of Attorney. Despite having my phone number, Navient calls other members of my family and acquaintances of my daughter. I have a robo-call blocker on my phone number and they insist on using a robo-call dialer in attempting to reach me. When those calls are blocked they resort to calling others. Yesterday they even called a children 's dance studio where my daughter took dance lessons 15 years ago! This is unethical and should be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Eastern Account Systems of Connecticut, Inc.
State: VA

Complaint narrative:
Eastern Account XXXX has obtained this debt from XXXX XXXX XXXX and the number that I was provided is no in service ( XXXX ) nor is the website on the letter available for a " live chat '' as indicated on the letter. When I contacted the original merchant, XXXX  they have the same outdated contact information that I already attempted to resolve the account with.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 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: CL Holdings LLC
State: AR

Complaint narrative:
I am filing a complaint against XXXX. On XX/XX/2020 XXXX  processed a dispute request that I sent certified mail.

The dispute for the account with JEFFERSON CAPITAL SYSTEM that starts with XXXX has been received and should be completed by XX/XX/2020. 

Source : XXXX  Date Submitted : XX/XX/2020 Estimated Resolution Date : XX/XX/2020 Report Number : XXXX Account Number : XXXX Company : JEFFERSON CAPITAL SYSTEM Address : XXXX XXXX XXXX, XXXX XXXX, MN XXXX On XX/XX/2020, XXXX  reported that the disputed account had been updated. I reviewed the account and no information had been changed. The account is still reporting a fake open date that in fact has re-aged the account. The open date is reporting a dated more recent to reflect that the account is newer than it really is. They are reporting that the original balance on this account was {$1100.00} which is inaccurate. The account is reflecting that this is a term account for one month which inaccurate. I requested proof of this and was not provided any validation into all of these inaccuracies and false information reporting on my credit report. I also filed a dispute directly with Jefferson Capital System. The letter was sent certified mail, return receipt. I have received confirmation that Jefferson Capital System is in receipt of my validation letter. As of today, I have not received a response from Jefferson Capital System. XXXX  is aware of all of the inaccuracies and they continue to report this account on my credit file. 

On XX/XX/2020 I re-disputed this account and specifically as XXXX  to VALIDATE the debt. They refused to validate the debt. XXXX sent back a notification on XX/XX/2020 stating that that account was updated. The account is still reporting all of the inaccurate information that it had been previously reporting. 
The dispute for the account with JEFFERSON CAPITAL SYSTEM that starts with XXXX has been received and should be completed by XX/XX/2020. 
Source : XXXX  Date Submitted : XX/XX/2020 Estimated Resolution Date : XX/XX/2020 Report Number : XXXX Account Number : XXXX Company : JEFFERSON CAPITAL SYSTEM Address : XXXX XXXX XXXX, XXXX XXXX, MN XXXX On XX/XX/2020 I received this updated message from XXXX. 
What happened? 
The dispute for the account with JEFFERSON CAPITAL SYSTEM that starts with XXXX has been updated. 
Source : XXXX  Date Submitted : XX/XX/2020 Report Number : XXXX Account Number : XXXX Company : JEFFERSON CAPITAL SYSTEM Address : XXXX XXXX XXXX, XXXX XXXX, MN XXXX XXXX  is still reporting inaccurate information on my credit file. They are refusing to validate this date. They are also refusing to provide me with who/where they requested this information from. What process they used to validate or obtain this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
In the last few weeks, Experian has dropped my credit score over 35 points for absolutely no reason whatsoever. I recently paid off my vehicle loan and 3 weeks later my score dropped from XXXX to XXXX. Approximately 1 to 2 weeks later it dropped again from XXXX to XXXX. During this period there were no inquiries into my credit, no late payments, no new accounts opened. This enormous credit score reduction has absolutely NO basis in actual credit usage. Additionally, I have tried repeatedly to reach the company by phone or email only to realize that there is NO WAY to reach a live person.

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 2020-11-17 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: Mercedes Benz Financial Services
State: HI

Complaint narrative:
On XXXX XXXX, 2019, XXXX/MERCEDES BENZ XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, 2019, XXXX XXXX XXXX  add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, 2019, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 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: TD BANK US HOLDING COMPANY
State: HI

Complaint narrative:
On XXXX XXXX, 2019, XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, 2019, XXXX XXXX XXXX  add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, 2019, TD AUTO FINANCE add a hard inquiry on my credit report per XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 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've seen no changes for the accounts that I have filed last month, 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 non-monetary relief
Consumer complaint received 2020-11-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Direct Recovery Services, LLC
State: TN

Complaint narrative:
Originally the loan was for XXXX, but it was removed due to a class action lawsuit. 

The fraudulent loans were reportedly issued by one bank, XXXX  XXXX XXXX XXXX XXXX, and three companies owned by XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. XXXX XXXX XXXX and XXXX XXXX XXXX allegedly provided services to the XXXX XXXX XXXX XXXX and the XXXX  companies. Several other companies, referred to as XXXX, acted as investors for the loan scheme. 

All of the involved companies have denied wrongdoing and maintain that their installment loans and cash advances on lines of credit were all legal under tribal laws. However, the defendants have agreed to establish a settlement that will resolve the claims against them. 

Consumers are eligible for the settlement if they obtained any of the following : Loan ( s ) from XXXX XXXX before XX/XX/XXXX ; Loan ( s ) from XXXX XXXX XXXX ; XXXX XXXX ( s ) on a line of credit from XXXX  before XX/XX/XXXX ; or XXXX XXXX ( s ) from XXXX XXXX XXXX XXXX in Pennsylvania. 
The settlement will provide loan forgiveness for all covered loans. Class Members may also be eligible for a cash payment under the settlement. 

My loan was in year XXXX and qualified as one of the loans to be forgiven. The creditors removed the loan from my file, and I thought that was the end of it. But a collection company called. Direct Recovery Services ph : XXXX, XXXX has been calling both my phone numbers many time 's, saying I owe {$1200.00} which is false. I told them this loan was removed due to the information above and I requested XXXX from ( DRS ) to stop all contact with me. They still continue to call multiple times a day and night. Recieved call on XX/XX/XXXX at XXXX XXXX, XXXX XXXX, XXXX XX/XX/XXXX at XXXX, XXXX. 
I also have a recorded conversation from DRS, and informed them I was recording. I told them about the lawsuit, and my loan was forgiven under the lawsuit, and removed from my credit report since XXXX, they now are trying to force me to pay a loan I don't owe, and refuse to stop contacting me even after I told them multiple times. 

Their website is https : //www.directrecoveryservices.com

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
Yes I just purchased a new lease vehicle. Called ally bank. Asked for a deferral. They told me I have too weigh 6months. I'm in social security XXXX. Going thru hardship. Also corona virus. Hoping too get deferred payment. Hope they can make exceptions

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