vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have a loan with KOHLS/CAPONE, XXXX  XXXX, and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting all 3 bureaus and KOHLS/CAPONE, XXXX   XXXX, and XXXX XXXX  with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 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: GA

Complaint narrative:
I have disputed these unknown addresses, inquiries, and collection account ( in which the amount is consistently increasing ) on several occasions XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX which are violations of the FCRA. TransUnion has continued to report inaccurate and unverified information on my credit report without any supporting documentation. This is hurting my credit scores and my buying power. 

I have called all of the creditors who pulled my credit and none of them have any records on file that I authorized them to pull my credit. I have also sent a certified letter to XXXX XXXX on XX/XX/XXXX requesting a signed contractual agreement with them along with other requested items to validate an alleged debt that they say I owe but no response back from them and TransUnion keep stating verified, so how is this possible?

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 2020-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian Credit Bureau has been charging me {$21.00} four times since XXXX. I cancelled the free trial on the 6th day so I should not have been charged. When I call they tell me that the charges will be refunded instead I get charged again the next month.

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 2020-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I have a loan with KOHLS/CAPONE. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX  and XXXX  and KOHLS/CAPONE with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 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: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
I have a loan with XXXX/XXXX, XXXX XXXX, and NORDSTROM/TD BANK. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting all 3 bureaus and XXXX/XXXX, XXXX   XXXX, and NORDSTROM/TD BANK  with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
TransUnion scammed me into a membership charge

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 2020-08-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc.
State: SC

Complaint narrative:
I purchased this car in 2017 and have paid all my payments on time and per my credit report it shows the amount of ONLY {$880.00} dollars paid!! This company is a fraud and they add additional fees at any given time! My information was falsified when I first did a loan with this company! I ask that this information be removed from my credit due to the recent action lawsuit! This company Henders me from getting a house or even refinancing because they have the rates on this loan extremely high! I do NOT want my information sold to another company as they have been doing with other information to get out of falsifying documents! I do not give them permission for that!!!! 


Under the settlement, Santander is required to provide relief to consumers and, moving forward, is required to factor a consumers ability to pay the loan into its underwriting. 

http : //santandermultistateagsettlement.com/Home/portalid/0

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 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: AR

Complaint narrative:
I am XXXX XXXX XXXX. Ive been trying to get a fraudulent Dismissed Bankruptcy off my credit file with Equifax for over 6 mos. I have provided documentation from XXXX XXXX, Equifax keep sending me the same results stating that its been verified dated back in XX/XX/20. I also provided them documentation from XXXX XXXX stating this file was deleted because it didnt belong to me, I forward a copy of the letter from California XXXX XXXX XXXX stating they dont do third party verification and I sent the letter from Pacer   stating they dont do third party verifications. If equifax had verified this erroneous account XXXX XXXX wouldve verified they deleted the Bankruptcy from my file. Equifax continues to lie and disregard the proof provided. 

Not to mention all my data was apart of EQUIFAX DATA BREECH! NEVER WAS COMPENSATED, NEVER GOT ANYTHING THEY PROMISED!! Than they have the nerves to lie and not due their job!! 
I spoke to a lady today w/Equifax she said Equifax verify with the courts but the dispute results states Otherwise. The dispute results states that this account was verified through XXXX XXXX! I am preparing to file sue against Equifax if this isnt deleted ASAP! Please contact me ASAP. Thank you so much! 

XXXX has been doing the exact same thing! They arent verifying information they only go off their last verification when I really dont think they verify anything they just tell you in writing that the erroneous files will stay on your credit file and it proved to belong to you! Someone really needs to look into these two agencies regarding their ethical behavior as to how they handle peoples credit file. My next complaint with be with my attorney to file a law suit. This is awful!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc.
State: MD

Complaint narrative:
I got a phone call from a company claiming to be collecting a debt from XXXX XXXX. I asked them to mail me verification of the debt including any contracts or paperwork signed by me. They did not send me verification of debt only a letter from them stating that they verified the debt. That does help me as I have no memory of this debt or doing business with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
I see multiple120 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 2020-08-05 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been trying to view my credit report from Equifax. 

Have tried to view my credit report from 1. XXXX XXXX XXXX 2. XXXX and 3. XXXX online monitoring service. 

Equifax is preventing me from viewing my credit report for errors or valid information. 
This is a violation!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
I was approved for a loan with Santander Consumer USA a few years ago. I feel like I was approved with a high interest rate with expectations of defaulting on the loan. I feel like my balance has not changed even after making constant payments. I actually now owe more than the actual principal. My interest rate is over 25 % and its been very difficult to stay on top of it. Im not sure if I am eligible under this class action lawsuit against them but any information would be great. I think that its crooked and unfair that they approved vulnerable people with low credit scores just to add a high interest rate so they can default from loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
SYNCB/WALMAR XXXX Opened : XX/XX/2017 Said " I should close it '' never asking for closure Meantime the card reports closed by bank when I am guessing that my call had something to do with this for the miss-understanding of what to do, which closed it and then had to re apply After I opened the newer card, I was issued a smaller limit, like the TJMAX trick they pulled on me. So I closed the account.

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 2020-08-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XX/XX/2020. Funds where taken out by XXXX XXXX XXXX in about of XXXX. Call wellsfago to stop charge and get a new card on XXXX XXXX XXXX was not authorized to make this payment.but did it any way..

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 2020-08-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmeriCollect
State: AP

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX XXXX. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Did not follow the fair credit act

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Debt Recovery Solutions, LLC
State: FL

Complaint narrative:
I have no knowledge of this account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 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.
State: AR

Complaint narrative:
I am XXXX XXXX XXXX. Ive been trying to get a fraudulent Dismissed Bankruptcy off my credit file with XXXX for over 6 mos. I have provided documentation from XXXX XXXX, XXXX keep sending me the same results stating that its been verified dated back in XX/XX/20. I also provided them documentation from XXXX XXXX stating this file was deleted because it didnt belong to me, I forward a copy of the letter from California XXXX XXXX XXXX stating they dont do third party verification and I sent the letter from XXXX  stating they dont do third party verifications. If XXXX had verified this erroneous account XXXX XXXX wouldve verified they deleted the Bankruptcy from my file. XXXX  continues to lie and disregard the proof provided. 

Not to mention all my data was apart of XXXX DATA BREECH! NEVER WAS COMPENSATED, NEVER GOT ANYTHING THEY PROMISED!! Than they have the nerves to lie and not due their job!! 
I spoke to a lady today w/XXXX she said XXXX verify with the courts but the dispute results states Otherwise. The dispute results states that this account was verified through XXXX XXXX! I am preparing to file sue against XXXX  if this isnt deleted ASAP! Please contact me ASAP. Thank you so much! 

Experian has been doing the exact same thing! They arent verifying information they only go off their last verification when I really dont think they verify anything they just tell you in writing that the erroneous files will stay on your credit file and it proved to belong to you! Someone really needs to look into these two agencies regarding their ethical behavior as to how they handle peoples credit file. My next complaint with be with my attorney to file a law suit. This is awful!

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 2020-08-05 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
i have beena customer here for years. Business plus card and i have tried to resolve this as i have filed XXXX complaint against XXXX XXXX. Being unemployed but needing a computer i did a price match before buying in early XXXX. i was told on XXXX XXXX chat they would honor a XXXX price match. due to phone ringing i was unable to save chat. i was told i would be credited AFTER i bought the computer. did not happen. i called Am ex early XXXX to dispute it. Well XXXX XXXX did answer only submitting a receipt nothing about the chat. so i called today XXXX XXXX XX/XX/XXXX and am told it would be resubmitted. I mean the whole dispute was not handled right since i was CLEAR in XXXX as to the issue. Now i am getting an email asking for more info in a detailed letter i have no other info to add. i know my consumer rights and know i would not have bought it at the reg price. it appeared i was lied to and thru little fault of my own i was unable to save the transcript of chat. i need help to get the XXXX back and i have no other docs other than my good name. i will help but i am owed back the XXXX and it should come from XXXX XXXX i dont appreciate this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 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 belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently checked my credit because I want to buy a house and saw inaccuracies in my credit report with personal information. There is a name, 2 addresses, and a previous employer that are inaccurate. On XX/XX/20, I mailed a letter to Experian asking to please make these changes. They did not respond and also did not make any changes.

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 2020-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MS

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2020-08-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
I have applied for many credit cards and no one will give me a chance because I have no credit history I have an amazing credit score well did before all the places checked it. Im asking how to change this and how I can get someone to give me a chance?

Company response to consumer: Closed with explanation