vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-16 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: IA

Complaint narrative:
I received a USBank Reliacard on ~XX/XX/2020. I activated the card, thinking it was a replacement corporate card from my employer. I called the number on the back of the card and cancelled the account, once I learned it was for unemployment. I never requested the card. I emailed my HR department to verify they didn't request it on my behalf ; they didn't. I received another USBank Reliacard ~ XX/XX/2020. I didn't request that one either. Who is sending me these cards? Do they have my personal information to get these sent to me? I tried calling again, but the recording at the phone number on the back of the card is asking for my COMPLETE SSN, card number, address, etc.so I hang up as I think this is some sort of scam. Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-16 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: CA

Complaint narrative:
Hello, As I reported in XX/XX/XXXX, I found discrepancies on my credit report regarding late payments to my capital One account ending in XXXX. I provided proof and dispute with company and credit bureau and No change has come despite providing the proof that payments were made. Something needs to be done in regards to making the corrections As stated, Upon reviewing my credit report, I found discrepancies on my Capital One Account ending in XXXX, Opened XX/XX/XXXX, Credit Limit of {$350.00}. The report states that late payments were made in the following months : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The information is inaccurate. Payments were made on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. My bank reflect payments made to Capital One for the account in question. I have the banking statements to back up my claim. These late payments in question, should be reported deleted as they have been reported incorrectly. I have reached out to the company, Capital One, and all 3 credit bureaus, XXXX XXXX  and XXXX.The discrepancies were disputed several times over the last few months and the documentation was uploaded and mail into the Bureaus. It would seem that my compliant has fallen on death ears. This is why I have decided to reach out to you for assistance. Attached is the bank statements with payments to capital one.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Creditor was advised of personal difficulties regarding reduced employment and lack of financial ability to satisfy debt due to COVID-19. Creditor indicated account deferral was available and - notwithstanding said deferral - subsequently reported account delinquent to the credit reporting agencies ruining an otherwise perfect credit history. Creditor should investigate and correct account history consistent with protections available for those negatively impacted by COVID-19.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: NY

Complaint narrative:
I, XXXX XXXX, believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to XXXX, XXXX and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX ACCOUNT # XXXX ENHANCED RECOVERY CO L ( ERC ) XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX ACCOUNT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Creditor was advised of personal difficulties regarding reduced employment and lack of financial ability to satisfy debt due to COVID-19. Creditor indicated account deferral was available and - notwithstanding said deferral - subsequently reported account delinquent to the credit reporting agencies ruining an otherwise perfect credit history. Creditor should investigate and correct account history consistent with protections available for those negatively impacted by COVID-19.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
In XXXX and XXXX, I filed a dispute with this Credit Bureau about theInaccurate reporting of addresses I've never lived at before XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX  XXXX, AL XXXX and phone numbers that I am not familiar with. In those 2 monthsI have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from this bureau So now I'm contacting theCFPB to step in and help me get this issue resolved because I have not received a response from this company about these inaccuracies 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 2020-11-16 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:
THE ACCOUNTS LISTED ARE FRAUDULENT ACCOUNTS THAT WAS OPEN IN MY NAME SOMEONE USE MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE ACCOUNTS I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAS. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 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:
THE ACCOUNTS LISTED ARE FRAUDULENT ACCOUNTS THAT WAS OPEN IN MY NAME SOMEONE USE MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE ACCOUNTS I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRAS. On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Diversified Adjustment Service, Inc.
State: CO

Complaint narrative:
Diversified Adjustment Services calls me at least 3 times daily. They call from spoofed fake phone numbers originating from the XXXX XXXX area, even though theyre based in Minnesota and I live in Colorado. I usually answer, and theres silence on the line about 75 % of the time. When someone is on the other line, I immediately tell them to cease attempts to contact me by phone. They refuse to stop calling me every time, in violation of state law in Colorado.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 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: GA

Complaint narrative:
I have submitted these accounts to Experian and XXXX for over a year now with Police report and FTC identity theft report. Still they have not removed the accounts from my credit report. Transunion has deleted the accounts already. 
XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXXl acc # 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 2020-11-16 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP
State: TX

Complaint narrative:
On XX/XX/XXXX I filed for unemployment during the time i enter the wrong address actually the wrong City and zip. So I never still until this day have not gotten a Card from U.S. Bank Relia Card from Work Force Commission. When I Applied i put my address as XXXX XXXX XXXX XX/XX/XXXX XXXX but should of BEEN XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX. I have called someone called back stated someone would contact me but still as of today no one has called. Then I have sent 1 letter to Card services XXXX XXXX XXXX Receipt number XXXX XXXX XXXX XXXX XXXX still have not heard nothing. 1 to XXXX XX/XX/XXXX receipt number XXXX XXXX XXXX XXXX XXXX but still have not heard nothing from them. I have been checking and since a changed my status to direct deposit i now have been getting deposit in my bank. But I still have my money total of {$5800.00}. I can not get access to. I really need it to get caught up on my bill. The land lord only holding off due to I let him hear that my funds are still on my card. Please help me. 

XXXX XXXX XXXX XX/XX/XXXX ID # XXXX last XXXX XXXX XXXX Phone # 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 2020-11-16 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: CA

Complaint narrative:
I XXXX XXXX XXXX have been a victim of identity theft and am writing to request that you block this item from my credit report. I never initiated these accounts nor do I have a contract with the following Company ( XXXX XXXX XXXX  XXXX XXXX and XXXX  XXXX/XXXX XXXX ). These accounts are fraudulent and need to be removed. " The Fair and Accurate Transaction Act of 2003 '' requires you to block and delete any information that was the result of identity theft FACT Act Section 152 FCRA section 605B. The law states that you have 4 business days to complete this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 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:
I XXXX XXXX XXXX have been a victim of identity theft and am writing to request that you block this item from my credit report. I never initiated these accounts nor do I have a contract with the following Company ( XXXX XXXX XXXX  XXXX XXXX and XXXX XXXX/XXXX XXXX ). These accounts are fraudulent and need to be removed. " The Fair and Accurate Transaction Act of 2003 '' requires you to block and delete any information that was the result of identity theft FACT Act Section 152 FCRA section 605B. The law states that you have 4 business days to complete this request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 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: CA

Complaint narrative:
I XXXX XXXX XXXX have been a victim of identity theft and am writing to request that you block this item from my credit report. I never initiated these accounts nor do I have a contract with the following Company ( XXXX XXXX XXXX  XXXX XXXX and XXXX XXXX/XXXX XXXX ). These accounts are fraudulent and need to be removed. " The Fair and Accurate Transaction Act of 2003 '' requires you to block and delete any information that was the result of identity theft FACT Act Section 152 FCRA section 605B. The law states that you have 4 business days to complete this request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: OH

Complaint narrative:
I received a letter from my mortgage company Mr Cooper dated XX/XX/2020. This letter came as a result of me paying my taxes late in XX/XX/2020. The attached letter states that " they may require escrow '' for taxes on my account. " In order to avoid creation of an escrow / impound account, you must act within 30 days from the date of this letter '' " If payment has been made, please forward a copy of the front and back of your cancelled checks or copies of the paid receipt ( s ), along with the coupon located on the next page, within 30 days from the date of this letter ''. Well within their 30 day requirement on XX/XX/2020 I emailed Mr Cooper, using the email address they provided, with the required documentation confirming my taxes were paid as well as the late payment assessed to me by the county. You can see the Late Payment Receipt in the attachment is dated XX/XX/2020. This email is time stamped in my computer so there is no dispute as to when I emailed Mr Cooper. I sent this email well within Mr Cooper instructions of 30 days from the date of their letter. I followed Mr Cooper 's instructions yet Mr Cooper forced Escrow to my account. I have made several phone calls to Mr Cooper requesting that this situation be resolved and XXXX be removed from my account. Today is XX/XX/2020, 6 weeks after I emailed Mr Cooper with the documents they required, and I was told by the " escalation '' representative that my account will more than likely be forever escrow 'd. The Rep told that other customers were forced escrow for being {$3.00} late and that account was denied resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
The original creditor have made unwarranted claims, especially when most of the maintenance and walk throughs were not allowed anymore, due to COVID-19. Only emergency maintenance calls. The debt balance includes mostly maintenance charges that we had to call in and report. They turned the maintenance reporting off via their online portal. There were no ways to report maintenance except for calling in. and replacement of carpet. However, when it comes to the maintenance, we were informed that our maintenance calls were not emergencies and they were left unattended, again due to COVID-19. The Apartment complex were not doing walk throughs anymore at the time to hand in the keys and vacate the unit, due to their new policies, again to due COVID-19. The breakdown of the additional charges includes all of the maintenance issues we had informed them about. The fact that they are now charging us for it, is stealing and against their own changed policies, due to COVID-19. The creditor claims that the charge for carpet replacement should be ours. However, the carpet was left in good condition, we did not destroy anything that it needed to be replaced or fixed. There is no proof of that and we did not sign off on something like that. Again, there was no walk through, because per the creditors new policies, due to COVID-19. I am willing to pay what is warranted, which only includes the following : water reimbursement, trash out, garage cleanout, dry wall repair from tv mount. I have included the copy of the additional charges so you may cross reference with the list above to the charges. My portion comes to a total of {$280.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 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: CA

Complaint narrative:
These accounts are erroneous and imprecise for I have not remembered having these accounts. Also, the information you provided on some accounts are different from other bureaus and I know that they are inaccurate and the reported payment history on some accounts are questionable to me. I have always been stellar in my payments. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, I am requesting that the adverse information on the accounts be DELETED to correct the information. Please look into these matters and REMOVE the disputed accounts as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 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:
These accounts are erroneous and imprecise for I have not remembered having these accounts. Also, the information you provided on some accounts are different from other bureaus and I know that they are inaccurate and the reported payment history on some accounts are questionable to me. I have always been stellar in my payments. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, I am requesting that the adverse information on the accounts be DELETED to correct the information. Please look into these matters and REMOVE the disputed accounts as soon as 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