vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
XXXX XXXX sent us first notice on a final bill from our sold Florida residence on XXXX XX/XX/2020. It was paid immediately, and XXXX XXXX confirms this. The balance is XXXX 

On XXXX XXXX, the bill was erroneously sent to Credit Collections Services, which XXXX XXXX admitted should have never happened. Credit Collection Services then proceeded to double the bill to {$870.00}, and refused to acknowledge that it had been paid. They have been rude and abusive to us. They reduced the balance in half, but it still remains at {$430.00}!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I was selling a dress and the person posed as a buyer interested after we agreed on the prize and payment thru XXXX on Messenger I got an email that I needed a guarantee money in order to use my XXXX account because it was my first time using it for such a big amount and they had charged her account for me to refund her the money and then the deposit will include the purchase price and that additional amount. I have enclosed pictures of the emails I have then on my phone to file a police report. 

After I got another email saying that they had made a mistake and charge her account twice to please send the money again to fix the problem that otherwise I was not going to get the money for my dress not to worry that my money was safe with them ( XXXX ) I send her the money again ALL THE EMAILS WERE FAKE posing as XXXX. 
It is the first time I deal with XXXX selling something in my life and I fell for it, All the emails were fake and I sent her the money thru XXXX and now, the bank said they can not help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX and Transunion should not be reporting a collection/chargeoff, or that I am ( XXXX ) days late, on the US DEPT ED partial account numbers XXXX. ( Please see pages attached from my credit report. ) These accounts are reporting a {$0.00} balance and {$0.00} due. I have paid these accounts IN FULL and therefore there is no outstanding balance to report as a collection/charge and/or late. Please keep in mind it would be impossible to be late on an account with a {$0.00} balance. This false reporting is seriously harming my credit score. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report and these line items need to either be removed and/or updated to report correctly.

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 2021-01-08 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX ; Experian and XXXX should not be reporting a collection/chargeoff, or that I am ( XXXX ) days late, on the US DEPT ED partial account numbers XXXX. ( Please see pages attached from my credit report. ) These accounts are reporting a {$0.00} balance and {$0.00} due. I have paid these accounts IN FULL and therefore there is no outstanding balance to report as a collection/charge and/or late. Please keep in mind it would be impossible to be late on an account with a {$0.00} balance. This false reporting is seriously harming my credit score. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report and these line items need to either be removed and/or updated to report correctly.

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 2021-01-08 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: EQUIFAX, INC.
State: AL

Complaint narrative:
In XXXX and XXXX of 2020, I filed a dispute with This credit reporting agency about the unverified collections accounts : Credit and collection services account # XXXX -- XXXX XXXX account # XXXX XXXX account # XXXX -- XXXX account # : XXXX - In XX/XX/2020, I requested a removal of these accounts for 30-days non response which is a violation of the FCRA. In those 2 months I have asked several times for a response and I have not received anything from this bureaus. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about these unverified accounts as of today. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 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: CO

Complaint narrative:
Unrequested VISA debit card sent by US Bank Relia Card. Call load very heavy on US Bank to get card canceled. This is a case of fraud as I am not unemployed.

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 2021-01-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC
State: TN

Complaint narrative:
I contacted National Credit Adjusters about my XXXX XXXX account of {$1100.00} that was sent to collections. On XXXX XXXX i contacted NCA to settle out the account in the amount of {$680.00}. At that time i was told the account would be deleted or removed. Which it has not. I filed a dispute with XXXX and called and i keep getting call the collections, call XXXX I have a paid in full letter. But not deletion letter. Please help trying to purchase a home, and it needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet.Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
In XXXX and XXXX of 2020, I filed a dispute with This credit reporting agency about the unverified collections accounts : Credit and collection services account # XXXX -- XXXX XXXX account # XXXX XXXX account # XXXX -- XXXX account # : XXXX - In XX/XX/2020, I requested a removal of these accounts for 30-days non response which is a violation of the FCRA. In those 2 months I have asked several times for a response and I have not received anything from this bureaus. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about these unverified accounts as of today. 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 2021-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have been a with CAPITAL ONE BANK USA customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payment on the above referenced account XX/XX/XXXX. Since that time I have been an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit report. At the time of the late payment, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 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 30-60 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 explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: MD

Complaint narrative:
I called Credit Collection Services on XX/XX/2020 in reference to a debt owed to XXXX XXXX XXXX XXXX for XXXX. I reached out to dispute this bill because I never signed for service from this auto insurance company and the next day they put this debt on my credit.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 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: CA

Complaint narrative:
I submitted a verification of the following account XXXX # XXXX with Experian on XX/XX/XXXX. Today XX/XX/XXXX I was informed that the investigation was completed with no correction to the before mentioned account. I disputed The same account XXXX # XXXX with XXXX on XX/XX/2018 ( complaint # XXXX ). During XXXX investigation they modified the account to not refl How can two different credit bureaus investigate the same item and get two different results? Per FCRA the accuracy of what items are reported on my credit report is the responsibility of each credit bureau. I have disputed this item multiple times with Experian knowing I have with XXXX as well and also knowing the results were different with both conducting investigations with different results

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 2021-01-08 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
Direct deposit from federal government is still unavailable meanwhile Wells Fargo and XXXX are collecting interest and playing the blame game.

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 2021-01-08 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have a discharged/dismissed Bankruptcy on my credit report that I have tried to dispute with the bureaus to remove since it no longer legally exists ; this item can't be verified with the courts and is only verified via public record with XXXX XXXX. I want this item removed immediately. My first dispute I mailed on XX/XX/XXXX then another one on XX/XX/XXXX. Today is XX/XX/XXXX and no bureau has supplied me any proof or documentation that this is valid, and since it can only be verified via PUBLIC RECORD it is not a valid account!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have a discharged/dismissed Bankruptcy on my credit report that I have tried to dispute with the bureaus to remove since it no longer legally exists ; this item can't be verified with the courts and is only verified via public record with XXXX XXXX. I want this item removed immediately. My first dispute I mailed on XX/XX/XXXX then another one on XX/XX/XXXX. Today is XX/XX/XXXX and no bureau has supplied me any proof or documentation that this is valid, and since it can only be verified via PUBLIC RECORD it is not a valid 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 2021-01-08 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: AL

Complaint narrative:
I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!

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 2021-01-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
XXXX sent us a final notice in XX/XX/2020 of {$160.00}. I paid that bill over the phone with a manager. They sent us another notice in the mail here in Texas for the same amount in XX/XX/2020. I called them and confirmed that the balance is {$0.00}. Because the account is closed and I no longer have access to the security account, the representative will not mail me a receipt. Additionally, despite the {$0.00} balance, XXXX sent over a collection notice to the same agency, Credit Collection Services in XX/XX/2020. They also said it was an error, and promised to report it to the collector. They have not. Credit Collection Services is fraudulently demanding {$690.00} on a PAID {$160.00} bill with XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 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: AL

Complaint narrative:
I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 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: TX

Complaint narrative:
I received the following from the Credit Reporting Agency -- -- - According to the Fair Credit Reporting Act, our role in the dispute process is to review the accuracy and completeness of any disputed item. We review and consider the furnishers or vendors response to determine whether to accept it, reject it, or follow up for additional information. I have complained against XXXX XXXX multiple times. Many cards were stolen from my office, used, and then fraudulent payments were made to allow continued charging to exceed the credit limit. My credit limit was {$2500.00} / {$2200.00} on two cards and MY balance was approx. {$2000.00} on each card as of XX/XX/XXXX. I do not have nor received the information on card ending in XXXX. Cards were stolen sometime first of XXXX. I filed attached sheriffs report in XXXX and then had 32 of water from XXXX XXXX after the XXXX tax day flood of 8. I was having payments scheduled at the first of the month to be paid on statements due date when I received my paper statements. Then mail was stolen from my rural mailbox. I was not using the cards but paying off after XXXX and two floods. All charges starting XX/XX/XXXX were not mine. There were fraudulent payments on card ending XXXX that started on XXXX of {$2200.00} and returned the same day, on XXXX of {$3300.00} and returned the same day, on XXXX of {$4800.00} and returned on the same day. See attached statements. {$10000.00} of bogus payments within two month ON JUST ONE OF THE CARDS and not do anything???????!!!!!! Two months of FRAUD returned payments and they didnt contact me??!! XXXX XXXX should have been alerted on XXXX and contacted me then. I had asked for the payment methods used to make the fraudulent payments and XXXX XXXX denied the request. XXXX of fraud payments in two months ON JUST ONE OF THE CARDS and then cancel an account????!!! I should have been contacted at the least and especially for the over-the-limit transactions. But XXXX XXXX did nothing and sees no fraud?? I had good credit and was faithfully making my payments because I didnt have {$10000.00} laying around to pay it off. Now XXXX XXXX holds me responsible because they dont have a modern system to alert them. To exacerbate the problem, XXXX XXXX concluded the fraud investigation after closing the account, after charging off, after selling debt of one card AND THEN LOWERED THE AMOUNT DUE!

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 2021-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I received the following from the Credit Reporting Agency -- -- - According to the Fair Credit Reporting Act, our role in the dispute process is to review the accuracy and completeness of any disputed item. We review and consider the furnishers or vendors response to determine whether to accept it, reject it, or follow up for additional information. I have complained against Capital One multiple times. Many cards were stolen from my office, used, and then fraudulent payments were made to allow continued charging to exceed the credit limit. My credit limit was {$2500.00} / {$2200.00} on two cards and MY balance was approx. {$2000.00} on each card as of XX/XX/XXXX. I do not have nor received the information on card ending in XXXX. Cards were stolen sometime first of XXXX. I filed attached sheriffs report in XXXX and then had XXXX of water from Hurricane XXXX after the XXXX tax day flood of XXXX. I was having payments scheduled at the first of the month to be paid on statements due date when I received my paper statements. Then mail was stolen from my rural mailbox. I was not using the cards but paying off after XXXX and two floods. All charges starting XX/XX/XXXX were not mine. There were fraudulent payments on card ending XXXX that started on XXXX of {$2200.00} and returned the same day, on XXXX of {$3300.00} and returned the same day, on XXXX of {$4800.00} and returned on the same day. See attached statements. {$10000.00} of bogus payments within two month ON JUST ONE OF THE CARDS and not do anything???????!!!!!! Two months of FRAUD returned payments and they didnt contact me??!! Capital One should have been alerted on XXXX and contacted me then. I had asked for the payment methods used to make the fraudulent payments and Capital One denied the request. XXXX of fraud payments in two months ON JUST ONE OF THE CARDS and then cancel an account????!!! I should have been contacted at the least and especially for the over-the-limit transactions. But Capital One did nothing and sees no fraud?? I had good credit and was faithfully making my payments because I didnt have {$10000.00} laying around to pay it off. Now Capital One holds me responsible because they dont have a modern system to alert them. To exacerbate the problem, Capital One concluded the fraud investigation after closing the account, after charging off, after selling debt of one card AND THEN LOWERED THE AMOUNT DUE!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 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:
I was so stress it's almost 60 days now since I've sent my dispute for those unknown and inaccurate account on my credit report but I haven't received any response. I demand to REMOVE immediately those accounts or I will file a litigation.

Company response to consumer: Closed with explanation