vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-18 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have had a XXXX XXXX  account open for 5 years that was paid off and never removed. I would like it removed from my credit reports please.

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 2020-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Same XXXX  that started in XXXX when I notified Chase, XXXX  and other credit cards that I had at the time that I was disable and had to stop work SO I ask them to freeze my accounts! I use these cards in my business!!! I kept one card open! That when it seems that money was being transferred out of these accounts to a XXXX XXXX Fake account!! I call em they replayed " we take care of!!! You do not worry '' this when on till XXXX when I finely payed off them the amount that I did owe NOT the amount that they illegally moved to XXXX XXXX Fake account!!! 

About two month ago I received a massage from my banks security company that there were some transfers of money that seem fishy!! To a company using the name XXXX XXXX>>> Not the real company!!! Funny is that it was the same amount that CHASE said that I owe them!!!!! My bank canceled that card and gave me a new one<<<<< And I am still getting letters and phone calls from them stating that they will keep reacking my credit until I pay them!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18 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: Navient Solutions, LLC.
State: KS

Complaint narrative:
I have called and made several attempts for Navient to remove these multiple closed accounts off my report, and have been told there is nothing they can do. I only went to school  XXXX XXXX. These people are showing on my credit as a closed loan 8 different times.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
XXXX could you please provide me a copy of proof from your e Oscar system on what date and year and month that you in fact entered the the dispute mark on account XXXX and XXXX I have asked you for this information in the last investigation and you refused to send me factual proof! That you in fact follow FDCPA RegulationsSince you refused to send me any physical documents this information is unverifiable due to the fact that the dispute are not showing on any of the three credit bureaus. I have all three bureaus open up an investigation the law requires you to enter this information Failure to do so will result in violation of the FDCPA please send me physical proof or delete this account Experian XXXX XXXX  If you could as well provide me a copy of the month date and year and the time that XXXX claim that they entered the information chase with your reckless and Negligence on reporting is unexpected. Remove these two violations immediately

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 2020-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/2020, i was at the gym when my Capital one bank card was declined. I tried to log into my account and was unable to do so. I then went to one of capital one branch locations and i was told the account was closed and they ended the relationship with me. I then called the bank regarding my funds in the account, I was told it will be mailed to me. I tried several times since then and as of now XX/XX/2020, I was told they can no longer help me and can not transfer me to their headquarters or their supervisor. I am no longer permitted to speak to anyone at the bank I have been with capital one for over 10 years and even have credit cards with them. I have {$2900.00} total ending balance. 
I have kids to feed, and i haven't been able to keep up with payments. I run XXXX XXXX XXXX to keep above water, this amount might be small to others, but to us is a lot. Its bad enough with all that is going on now, this fund can go a long way for my kids and i. 
PLEASE HELP US

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Navient is servicing 10 of my student loans. Since XXXX, when I was not able to get financial aid, I have been trying to return to school to finish the last three classes of my XXXX XXXX XXXX. I have been in forbearance for my student loans with Navient since XXXX. In XX/XX/XXXX, I was enrolled to attend XXXX and my forbearance would be on hold, I thought. By XX/XX/XXXX, I could not get financially cleared to go to school, yet again and in XXXX I found out that Navient was again trying to charge me so I got in another forbearance plan. In late XXXX, Navient reported 10- loans were 90 days late dropping my score by 100 points. How can I have been in default and 90 days? When I went from forbearance to forbearance. Also, I was supposed to be in school. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: WI

Complaint narrative:
I am simply trying to connect by checking account and debit card at PNC Bank with my account with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
I have called and made several attempts for XXXX to remove these multiple closed accounts off my report, and have been told there is nothing they can do. I only went to school two semesters. These people are showing on my credit as a closed loan 8 different times.

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 2020-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.

Complaint narrative:
This company reported an account from XXXX on XX/XX/2018 in the amount of {$490.00}. This collection agency is in violation of FDCPA 809 ( a ) for not providing a collection notice within 5 days after initial communication. The company repeatedly called me at my workplace as well. This was not done 5 days after reporting it to the Credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18 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: FL

Complaint narrative:
I Did Not Authorize any off These Accounts. this is fraud I'm a victim of Identity Theft. I'm a Student. I never use my credit or have I given any one Consent to open any account on my behalf

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 2020-07-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
In XXXX of 2016 Capital One Auto Finance recieved a lump sum check and additional payments to pay my account in full from a total loss accident on the finances XXXX XXXX. 

After all amounts due were paid, COAF, without sending proof, sent a demand for another {$130.00}. I called and requested proof of the debt, an amortization schedule, record of how the payments were posted to prove indeed I owed the remaining amount. They did not then nor have they since ever provided this proof. 
They then charged off the XXXX dollars and have since sent the about to collections, and I asked the subsequent collection agencies for proof of the debt, the payment record, anything showing how they came to this final amount despite the previously provided balance payoff/payment amounts. 
Furthermore by continuing to send this to collections agencies, they are now violating the State of FL statute of limitations on written promissory notes of 4 years, and are still reporting this unproven debt as " Passed Due '' If they can't even be bothered to furnish the proof of debt, how can they continue to negatively report on my credit. It should be corrected retroactively to XXXX of 2016 to paid as agreed and paid in full, NOT delinquent and charged off. 

I have disputed this by phone, mail, with the three agencies, with COAF, as well as the collection agencies they kept shifting it to no less than 15 times. No one has ever just provided the proof by mail. 
I'm fed up that they have no responsibility to prove the debt and proper payment posting, but are ruining my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.

Complaint narrative:
This company reported an account from XXXX on XX/XX/2017 in the amount of {$240.00}. This collection agency is in violation of FDCPA 809 ( a ) for not providing a collection notice within 5 days after initial communication. This was not done 5 days after reporting it to the Credit reporting agencies.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18 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: FL

Complaint narrative:
Please note that this is not a request for reinvestigation of disputed accounts, but request for evidence under the Fair Credit Reporting Act, Section 609. As per Fair Credit Reporting Act, Section 609 I have the right to request information from credit bureau regarding items that are listed on my consumer credit report : 1. XXXX XXXX XXXX  account # XXXX XXXX. XXXX XXXX Card account XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature, but have not received any response from the credit bureau XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Merchants and Professional Bureau, Inc.
State: TX

Complaint narrative:
In late 2014, I was involuntarily transported to the hospital against my will by 2 police officers. I was not under arrest, and I was not committing a crime. I did not threaten to harm or injure myself. When I was dropped off at the hospital, I did not receive any medical attention, or even check in at the front desk. I walked home after being dropped off. I never received a bill for this " ride '' to the hospital, and had no knowledge of the debt until it showed up on my credit report. This is a fraud charge for a service that I did not ask for or need, but was forced onto me by officers who took advantage of their authority. I was not charged with a crime, as I was not, and did not commit one. I was a victim of police misconduct, and now I am the victim of the health system.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18 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 Did Not Authorize any off These Accounts. this is fraud I'm a victim of Identity Theft. I'm a Student. I never use my credit or have I given any one Consent to open any account on my behalf

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I Did Not Authorize any off These Accounts. this is fraud I'm a victim of Identity Theft. I'm a XXXX. I never use my credit or have I given any one Consent to open any account on my behalf

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 2020-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
So, XXXX XXXX XXXX XXXX is shown on letter. I am not entirely convinced of this debt, some of the account information listed does seem to show some information related to one of my XXXX U.S.A.A credit cards. However ; with being a victim of identity theft, I must make sure with out a shadow of doubt this company and its ' affiliate ( s ) and personnel such as XXXX XXXX contacting a relatives phone and subsequently, trying to reach me through my relative which the relative, wants Ms. XXXX XXXX to Cease and Desist said phone interruptions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: FL

Complaint narrative:
Funds are suppose to be able to be released into account and cash app is not allowing funds to be distributed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18 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: VA

Complaint narrative:
On the XXXX XXXX account I have disputed this with the credit reporting agency many times and they refuse to acknowledge the payments and that the account was paid in full. I have contacted XXXX and they have stated they have not reported what Experian is reporting. This has caused me financial loss because I have had to get loans with higher interest rates. It has even caused me to not get help from the SBA due to a low credit score that would have been higher had to reported accurate information. There are several accounts in the report that have this problem and I dont know what to do. Its costing us thousands a of dollars and we can not afford to keep this up. Reporting agencies need to be held accountable

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 2020-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
This is a complaint against Capital One, the reason for these complaints is that several requests for credit appear without my authorization and without my permission, I requested via certified mail the elimination of these inquiries and you. You have not made any change in my credit report with XXXX. Because you have not done anything about it I request that the following inquiries be removed immediately from my credit report with XXXX. 
1 ) CAPITAL ONE DATE XX/XX/2020 2 ) CAPITAL ONE DATE : XX/XX/2020 3 ) CAPITAL ONE DATE : XX/XX/2020 ran an unauthorized credit report on me. At no time did I ever authorize you to do this. This action on your part constitutes a violation of my rights under the Fair Credit Reporting Act. 
This is illegal and highly injurious to my credit rating. 
Unless you immediately contact the credit bureau and remove this inquiry from my report, I will have no choice but to take legal action. 
Please govern yourself accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
I had processed a payment through my bank 's bill pay function to Freedom Mortgage ( as I have done for all the previous {$1500.00} monthly payments ) in the amount of {$27000.00} to pay down the balance. Nine days later the amount had still not been withdrawn from the account, so I registered a call to inquire. Was told that anything over {$10000.00} has to come as a certified check and that they would be sending back the {$27000.00} payment. I then asked for the payoff balance and was told it would cost {$30.00} and take three days. Don't know if this is typical, but I recently sold another property and the payoff balance was available online instantly and at no cost. Now, not only will I have the {$30.00} expense for information that should be readily available for free, but also a stop payment expense from my bank since they could not confirm receipt or mail back of the {$27000.00} payment. I supposedly do not have a payoff penalty with this mortgage, but it sure seems like they are doing everything in the power to prevent an early payoff.

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 2020-07-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Please note that this is not a request for reinvestigation of disputed accounts, but request for evidence under the Fair Credit Reporting Act, Section 609. As per Fair Credit Reporting Act, Section 609 I have the right to request information from credit bureau regarding items that are listed on my consumer credit report : 1. XXXX XXXX XXXX account # XXXX 2.  XXXX XXXX XXXX account XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature, but have not received any response from the credit bureau .

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 2020-07-18 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: FL

Complaint narrative:
Please note that this is not a request for reinvestigation of disputed accounts, but request for evidence under the Fair Credit Reporting Act, Section 609. As per Fair Credit Reporting Act, Section 609 I have the right to request information from credit bureau regarding items that are listed on my consumer credit report : 1. XXXX XXXX XXXX account # XXXX 2.  XXXX XXXX XXXX account XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature, but have not received any response from the credit bureau .

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18 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: NY

Complaint narrative:
THE DISPUTED ACCOUNTS LISTED HAVE TARNISHED MY CREDIT, MY SSN, MY NAME AND HAVE CAUSED SERIOUS DAMAGE REPORTING INACCURATE TRANSACTIONS ON MY CREDIT REPORT. I AM DISTRESSED THAT THIS IS HAPPENING TO ME, THOSE INACCURATE ACCOUNTS HAVE MADE IT SO HARD TO ACQUIRE NEW CREDIT. PLEASE INVESTIGATE THIS MATTER AND HAVE THOSE DEROGATORIES REMOVE OFF MY CREDIT FILE.

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