vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-06 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: IL

Complaint narrative:
Im reaching out because on the dates of XX/XX/XXXX, I formally tried disputing fraudulent and erroneous accounts and personal information directly with TRANSUNION, in removing them from my credit profile. 
Transunion is still deciding to report illegal information on my credit file that could be as a result from my identity being compromised from XXXX  data breach- that Im apart of or a mixed credit file of another consumer.This is an automatic FCRA violation of not properly handing my dispute because I provided them with documentation on my identity, which shows my address and full social security number. 
I never received any mail in response to this either. It like I am being ignored! From a XXXX search I know I have rights and reporting this information is a direct violation of my rights. The following needs to be deleted. 

Remove the following addresses from my report as they do not belong to me. In addition, DELETE any INVALID ACCOUNTS or DATA associated with this address as they dont belong to be me neither as being RELATED : XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX  XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Original Creditor : XXXX XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$3400.00} Original Creditor : XXXX XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$5900.00} Collection Agency : XXXX XXXX XXXX   Original Creditor : XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$610.00} Collection Agency : XXXX XXXX XXXX Original Creditor : XXXX  Open Date : XX/XX/XXXX Balance : {$14000.00} Collection Agency : XXXX XXXX XXXX Creditor : XXXX XXXX XXXX Open Date : XX/XX/XXXX Status : XXXX  Balance : {$110.00} Bankruptcy Reference # XXXX Date Filed : XX/XX/XXXX Status : XXXX Amount : {$0.00} Bankruptcy Reference # XXXX Date Filed : XX/XX/XXXX Status : XXXX Amount : {$0.00}

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 2020-02-06 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: NY

Complaint narrative:
On XXXX of XXXX, I opened a credit card account with capital one. I defaulted due to financial mismanagement, I was informed the account was sold to a third-party whom I then reached out to and paid the account in full. XXXX XXXX XXXX removed the account from my credit report. I noticed the account continues to be reported on all three agencies by Capital One. The account status as sold to XXXX and does not include any remarks that it was paid in full just a XXXX  balance, I spoke with Capital One they stated they are not reporting on their end. I spoke with XXXX and they mentioned they are a bank not a third-party collections agency. I spoke with the three companies as well as the credit reporting agencies XXXX, XXXX, XXXX. Noone seems to have an answer. I firmly believe they are not performing an extensive investigation even though I have provided all the details and concerns. The account shows no activity past XXXX. Please remove. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 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 — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 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 checked 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 2020-02-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America 's website is misleading. I paid my bill for both credit cards and it goes to one credit card. 

On one screen it says that I have an " Overdue payment '' on one credit card. On a second screen it says I have no payment due. In the bill pay tab it says I owe an entirely different amount. 

When I called the person tells me that a lot of people are complaining about the site. 

In the meantime they are charging all kinds of late fees and added interest. 

I have been having trouble with their website and every time they make an update its worse.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Second Round Limited Partnership, Austin, TX Branch
State: AL

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) (  E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Futhermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
I am disputing this debt because I do not owe it. 

XXXX XXXX XXXX, XXXX illegally reported this debt of {$6300.00} which was not justified. I asked them to delete it from my credit report. 
We have contacted the company many times : XX/XX/XXXX Mail from the law firm XXXX, XXXX XXXX XXXX, XXXX declining our request to get the refund of our security deposit. 

XX/XX/XXXX Mail sent to XXXX XXXX XXXX XXXX : Demand for Security Deposit back and to remove the credit report. 

XX/XX/XXXX Mail sent to the law firm XXXX, XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX with all the elements ( lease agreement, complaints, pictures ) requesting for the refund of our security deposit and to remove the credit report. 

Doc 22 : XX/XX/XXXX Mail sent to the law firm XXXX, XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX : requesting the full refund of our security deposit and to remove the credit report. 

XXXX XXXX XXXX, XXXX violated our contract ( no smoke policy ) and did not meet the requirements of our Lease Agreement. XXXX XXXX XXXX, XXXX reported this bad reference that was not justify and did not remove bad credit reference, which was not justify regarding the Notice of Entry of Judgment which is attached to this complaint. The judge found sufficient violations of no smoke policy to justify termination of the lease. 
XXXX XXXX XXXX, XXXX also violated the California law sending the " move-out statement well beyond the required 21 days ''. 

Thank you for your attention to this matter. 

Sincerely,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
I have been paying my loans since XXXX. I have served in the military since XXXX and just got out. I got out of college with my student loan debt reaching {$150000.00} due to interest rates that I was aware I had chosen. After 10 years now Ive only gotten my debt down to {$120000.00} and I pay {$800.00} a month to navient ( originally Sallie Mae ). They dont give me other options on ways to pay it back or lower my debt but tell me I can just do forbearance if it becomes a hassle but it will continue to add the interest ( not really a solution ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BTH Management
State: MO

Complaint narrative:
Paid debt in full and need it deleted from credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENOVA INTERNATIONAL, INC.
State: MO

Complaint narrative:
Paid debt in full and need it deleted from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2200.00} I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 (  b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2016 with a balance of {$2200.00} -This is not my 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 2020-02-06 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: CITIBANK, N.A.
State: NY

Complaint narrative:
On XXXX of XXXX, I opened a credit card account with XXXX XXXX. I defaulted due to financial mismanagement, I was informed the account was sold to a third-party whom I then reached out to and paid the account in full. XXXX XXXX XXXX removed the account from my credit report. I noticed the account continues to be reported on all three agencies by XXXX XXXX. The account status as sold to CITI and does not include any remarks that it was paid in full just a XXXX  balance, I spoke with XXXX XXXX they stated they are not reporting on their end. I spoke with CITI and they mentioned they are a bank not a third-party collections agency. I spoke with the three companies as well as the credit reporting agencies XXXX, XXXX, XXXX. Noone seems to have an answer. I firmly believe they are not performing an extensive investigation even though I have provided all the details and concerns. The account shows no activity past XXXX. Please remove. 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 2020-02-06 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
On XXXX of XXXX, I opened a credit card account with XXXX  XXXX. I defaulted due to financial mismanagement, I was informed the account was sold to a third-party whom I then reached out to and paid the account in full. Portfolio Recovery Associates removed the account from my credit report. I noticed the account continues to be reported on all three agencies by XXXX XXXX. The account status as sold to XXXX and does not include any remarks that it was paid in full just a XXXX  balance, I spoke with XXXX XXXX they stated they are not reporting on their end. I spoke with XXXX and they mentioned they are a bank not a third-party collections agency. I spoke with the three companies as well as the credit reporting agencies XXXX, XXXX, XXXX. Noone seems to have an answer. I firmly believe they are not performing an extensive investigation even though I have provided all the details and concerns. The account shows no activity past XXXX. Please remove. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 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 — Was not notified of investigation status or results
Company: General Motors Financial Company, Inc.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX & XX/XX/2018 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 checked 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 2020-02-06 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 — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I see several 30 & 60-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 2020-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I attempted to deposit XXXX XXXX dollars into my Coinbase account. Then transaction went through and the money was removed from my bank account. After The money was added to my Coinbase account my account was then locked. I could not trade and I could not get the money out. Coinbase told me that my transaction failed and they used the money that was in my account to pay back the XXXX XXXX dollars they are claiming I never lost. So now the money is not in my bank account and They have absorbed it on their website. All my money is gone my account is still frozen and they wont do anything about it. Ive called them at least 10 times and sent email after email. All they keep saying is my account is locked. Well now there is no money In there and the money was never returned to my bank account. Ive done research online and it appears this has been an ongoing problem with this company. They are hundreds of people taking legal action to get their money back. I want my funds returned immediately. I have a XXXX  year old son I need to take care of and XXXX XXXX dollars is a lot of money to me. You can contact me via email at XXXX Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
This issues has been ongoing over the past years. XXXX being a New Year I've decided to reduce my banking activity with Citibank. 

See letter dated XX/XX/XXXX from XXXX XXXX and my response that I will attach.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: BMO BANK NATIONAL ASSOCIATION
State: OR

Complaint narrative:
XX/XX/2020 - My online credit report ( s ) have been reported as delinquent with the various credit bureaus. I spoke over the phone with a BMO harris rep who says I have $ 260+ in delinquent fees, of which I was not aware of. 

XX/XX/2020 - Called BMO harris and verified that I only had {$1.00} left as principal via the person I spoke to.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: IA

Complaint narrative:
I have contacted this collection agency on several occasions since they received the debt. I contacted ther creditor before it went to collections. I don't owe this debt my car was stolen and I had several cards in the vehicle that were used.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
I have contacted this collection agency on several occasions since they received the debt. I contacted ther creditor before it went to collections. I don't owe this debt my car was stolen and I had several cards in the vehicle that were used.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: IA

Complaint narrative:
I had contacted both companies several times since I became aware of this and was told it would be resolved. I sent in a police report that stated the card was stolen with my vehicle and several other cards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I deposited a personal check from my father into checking account with Chase Bank through an ATM on XX/XX/2020. The check was for {$800.00}, and I completely expected a hold to be placed on the check for a few business days except for the first {$200.00} which should have been made available to me the next business day. At the time I deposited the {$800.00} check, I had XXXX already in my Chase account from my paycheck. Chase put a restriction on the {$170.00} and on my debit card. When I called Chase about my debit card being restricted, they transferred me to their loss prevention department. Loss Prevention first stated that they needed to speak with my father about the check, then later in the day Chase loss prevention stated they needed to speak to my nephew who is the other person on the account with my Dad. My Dad banks with XXXX, and XXXX confirmed that the check was good and it was paid. I communicated this information to Chase, and Chase had told me that they will not release any of my money until my nephew calls them. My nephew does not bank with Chase, and my family is concerned as to how Chase got my nephew 's phone number. I have missed work, I do not have gas money to get to work because Chase won't give let me have access to the funds already in my account prior to the {$800.00} hold. There are no other individuals that work for my Dad that have to have my nephew call their bank when they deposit check 's from my Dad. My father has given me money from his account for over 40 years, and no other bank that I have used in the past to deposit checks from my Dad has ever had to receive a phone call from my nephew. My original deposit slip stated that their will be a hold on the {$800.00} until XX/XX/20. The deposit slip did not state that Chase was going to restrict my debit card or my existing funds from my paycheck. Chase has told me that the only way they will release the hold on my account is for my nephew to call them. Chase will not tell me what they have done with the {$800.00} that XXXX has paid to them for the check.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I've been trying to get the auto payments accounting from Bank of America for months and this isn't the first time I've had problems with them. If you examine the attached screen shot, you will see 'misc payment ' twice in the month of XXXX and note that the XXXX payment draw isn't the same as the value in the amount due line and by a significant amount. BoA is unresponsive, at least in part, because I can't attach a screen shot and they keep 'misunderstanding ' my description of the problems. 

BoA bought this mortgage. I want to fire them. Please help. I've been paying mortgages for over 40 years and BoA caused more problems than the entire prior experience.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
Despite the fact that XXXX XXXX XXXX notified all 3 credit bureaus to remove an account from my report on XX/XX/2019, and I continue to fax copies of the letter from this collection agency confirming this, Equifax continues to list this derragatory information on my credit report and have cause me to get denied for a loan. Equifax also continues to list a hard inquiry from XXXX after being informed by XXXX to remove this inquiry on XX/XX/2019.

Company response to consumer: Closed with explanation