vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-08 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: NY

Complaint narrative:
I'm filing a complaint against XXXXXX/XX/XXXXfor the second time. My first complaint was resolved by the company after they attempted to falsely mark my account as delinquent on my credit reports and charge me for fees that they actually owed me because this deposit was what I used to open the account, which was fraudulently used multiple times despite the fact that I had never received a credit card in my hand since I opened it in XX/XX/2020. 

The credit card company refunded me {$200.00} last month and removed all false marks from all three credit bureaus, but my account has now been placed in delinquent status as of XX/XX/XXXX for missing four payments, which is yet another false claim made by the bank. This is completely unacceptable and unlawful ; I feel financially victimized by the credit card company, and I am not alone ; multiple people have had reported similar experiences with the bank.

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 2021-04-08 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: MCMC Auto LTD
State: TX

Complaint narrative:
I am a victim of identity theft and fraud and currently dealing with the security breach with XX/XX/XXXX The following accounts have been submitted to the credit bureaus and I have an FTC Case ID XXXX and XXXX with XXXX. The following companies and accounts are the items I am reporting to the credit bureaus. These accounts were made and opened fraudulently and without my knowledge. I am a victim of identity theft and fraud since XX/XX/2007 since the age of XXXX. I am currently still in the military and have an extensive military fraud and identity theft report on the credit bureaus. I have continuously made several attempts to speak with the company for them to remove the fraud account but to no avail they will not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: IN

Complaint narrative:
I.Q. Data International , Inc. is attempting to collect on debt that is not due. I paid all monies that were due years ago and had no issues since. Out of the blue I received a letter stating that this debt was due. Additionally, it had more than doubled what I originally paid off to the original creditor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
BECU, Didnt notify me of the credit card APR change from 0 to 10 %. 

Also, did not refund $ XXXX after I was scammed and fraudulently lost money from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: OR

Complaint narrative:
My loan was in forbearance due to impact from Covid 19 and on a repayment plan with XXXX Mortgage who sold my loan to Community Loan Servicing in XX/XX/2021. I immediately contacted this new company to make sure everything had transferred properly and was forced to set up a new payment arrangement as the previous agreement did not transfer. After numerous hours and phone calls, I was led to believe that everything was in place and my account would not be delinquent with this new payment arrangement. I even received documentation stating I was on a repayment plan. However, it has since been reported 30 Days past due as of this month XXXX XXXX XXXX and my credit took a hit. I called to get this corrected, spoke with a rep only to be escalated, as Community Loan Servicing would not take responsibility for this issue. They repeatedly said that a repayment plan was not coverage for credit reporting though I was lead to believe so in all previous communications. They acknowledged my loan came from XXXX Mortgage in forbearance, and would look at backdating my current account with their own forbearance, but made no attempt to settle the credit issue. They gave no specific timeline on any resolution nor any promise that future credit reporting would not be negative.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 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: CITIBANK, N.A.
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 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 2021-04-08 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 2021-04-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Durham & Durham, LLP
State: IN

Complaint narrative:
Durham & Durham XXXX at XXXX are attempting to collect a debt that is not owed. I have made several attempts to resolve this issue, but to no avail. This medical debt was covered by insurance and financial aid. I am not sure why they are still trying to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capio Partners, LLC
State: IN

Complaint narrative:
On XX/XX/XXXX I contacted XXXX XXXX XXXX to pay my bill in full. I was not in collections. My Bill was {$130.00} and that was withdrawn for my bank account via my debit card on XX/XX/XXXX. I was given a conformation number on XX/XX/XXXX after my debit card information with thruogh The girl handling the call refused to send a text to my phone, an email or a letter with the confirmation number stating I must write it down. So I wrote it down. On XX/XX/XXXX Capio reported a derogatory balance on all three credit bureaus, stating I own them {$60.00} dollars. I have NO CLUE WHERE THE EXTRA {$60.00} CAME FROM!!! This dropped my credit score by 47 points. I called them on XX/XX/XXXX and in the recorded phone call the girl said my bill was paid in full. When I asked why they would create a falsehood I was not given an answer. When I asked about the amount I was not given an answer. I was told it might be corrected in 30 days. So Capio knows that I am paid in full!!! Why is this OK for this business to create falsehoods on my credit report???? Why is this legal for this company to lie and drop my credit score for no reason, to actually lie about it and then take their sweet time to correct this? This will cost me a much higher interested rate damaging me financially or even resulting in a denial for a loan. How is this practice legal???

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX {$350.00} XXXX In XXXX ) I never used a single day of these XXXX XXXX service due to the governmental orders to shut down all gyms and non essential businesses. 
I contacted bank of America in XXXX because XXXX  XXXX headquarters shut down their phone service due to covid and I tried to contact them exhaustedly until I gave up. But Bank of America Rep kept insisted on telling me to contact XXXX  XXXX  headquarter with the phone number of merchant showed on my statement under those charges. And that was the one that was not in service during the shutdown that those charges recurrence. 
I had to battle through my credit cards right till the Rep agreed on the facts that those charges were impossible to question further because it is " governmental orders to shut down '' unless XXXX XXXXXXXX was breaking the law trying to sneak their members inside during that periods which I theoretically suggested to Bank of America Rep. Luckily he came to his common sense and disputed my case and said he'll reversed all the charges and make sure no future charges from XXXX  XXXX. 
Boa statement of XX/XX/XXXX : Transaction date XX/XX/XXXX Posting date XX/XX/XXXX Boa/XXXX XXXX  return of -39.99 $ And that was the only single charges that i got back out of all the one listed above. 

And until last month XX/XX/XXXX, XXXX XXXX charges again 2 more for 39.99 $ and 29.99 $! 
I contacted BOA immediately while those Charges were still pending. I requested the Rep to look back in XXXX statement and record showing I did all required steps to solve this and it cant be charging me again randomly after a while. I still not get all my money back and now they can just go ahead and charge while you are my banker who supposed to protect me as a client but open the door again for the same guy that robbed me more than twice. She said '' they can change their name as a merchant and charge you again, they do that all the time every new year with their old customer profiles ''! 
I said then it don't matter to you if it was few hundred dollars or few million dollars according to what she just said. I was very disappointed and felt like i both got scammed by BOA and XXXX XXXXXXXX at the same time as a consumer. Plus I has been with BOA since XXXX. 
Please help! Thank you very much!

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 2021-04-08 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: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
This account is no longer mine.. Please provide me the information needed and investigate all the history reported on this account It is absolutely inaccurate. You do not have any information to verify means this is unverifiable, and FDCPA section 807 ( 8 ) states if you can not validate this debt you must request that all credit reporting agencies delete the entry IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 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: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I set up a settlement with Synchrony Bank for my Care Credit account and it is still appearing on my credit report with a balance. This is impacting my score and my credit worthiness and future loans. Several accounts have been closed or credit lines have been impacted I resolved the account in XXXX. I had to follow up with them in XXXX to obtain documentation and we are in XXXX and they have not updated my credit report. I had some financial issues but did address them. I'm now back on my feet ; however, I did have to settle with Care Credit which I'm grateful. Synchrony Bank closed my JC Penny Account, my Lowes Account, reduced my credit on my Amazon account, closed my TJ Maxx Account. Many of these accounts had XXXX  balances, yet they keep the one account on my file which has been resolved and other creditors are following suit. I have two other debts which remain outstanding and I will be debt free ( credit card ). I just want the credit report to be accurate which is what is required by 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 non-monetary relief
Consumer complaint received 2021-04-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: State Collection Service, Inc.
State: IN

Complaint narrative:
State Collection Service Inc. is attempting to collect a debt that is not owed. I have made several attempts to resolve this issue, but to no avail. This medical debt was covered by insurance and financial aid. I am not sure why they are still trying to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Data Systems, Inc.
State: IN

Complaint narrative:
Medical Revenue Service attempting to collect a debt that is not owed. I have made several attempts to resolve this issue, but to no avail. This medical debt was covered by insurance and financial aid. I am not sure why they are still trying to collect.

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 2021-04-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, I found out that both of my Chase credit cards XXXX XXXX and XXXX ) were used by others for fraudulent activities. I immediately reported the case to Chase Fraud Department, and they told me that they would handle all necessary steps to help me to retrieve my money. At first, they indeed helped me to revert those charges. A weird thing happened on XX/XX/XXXX. Several of those charges were brought back and rebilled to my credit card account without notifying me at all. The thing is I was not in the states since XX/XX/2020. And all those XXXX pickup orders and XXXX shipping orders can not be completed by me. They did not even check all those tracking numbers carefully because they claimed the shipping address is my billing address. However, if they do a thorough analysis, they should know that all those addresses were changed by the hacker and I did not receive any of them. The only one that ships to my actual address was returned to the shipper as well, which is XXXX. I attached all those info as attachments below. The most annoying thing is that I lived in California, and several of the XXXX charges they brought back to my account is associated with Georgia and Las Vegas area. How am I supposed to pick up things in those distant regions? Not to mention that I was in XXXX!!! And now, they can only tell me that they will resubmit a review for those charges, and they can not even guarantee that I can get my money back. They also told me that the new review process will be done within 7 days. However, I heard nothing back from Chase. No phone calls, no mail or email notifications on the matter at all. I am so disappointed in how Chase handles this case.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
Chrysler Capital is in dishonor with Public Law Chap.48 Statue 112 and eCFR 1901.508 from the I signed my name on the promissory note.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Recovery Systems, Ltd
State: TX

Complaint narrative:
XX/XX/2021 XXXX  emailed me concerning Id theft listing nationwide recovery / XXXX XXXX XXXX - This is Id theft or insurance fraud - filed a FTC affadavit reported to XXXX XXXX XXXX  - texas XXXX XXXX XXXX XXXX - texas XXXX XXXX - Im seeking criminal charges against XXXX and XXXX XXXX - Against elderly handicapped Block Acct and delete

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am very concerned because my credit reports have a discrepancy with this account. I am a very concerned consumer and do not know what is correct. If you look at the letters sent to the credit bureaus, I have highlighted all these discrepancies. 

I have been denied getting my first home because of this. I have asked them to remove this from my credit reports and they have only sent me a generic response and have not remove this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NETWORK CAPITAL FUNDING CORP
State: NY

Complaint narrative:
I have been over paying my monthly mortgage payment due to mid calculations by servicer. This was brought to my attention by servicer while I was having issues with trying to make online payments. Since then I have spoken to XXXX least 10 different supervisors about the adjustments they said they were going to make and nothing gets done the last lie I was told was there is a work order in process and would be straightened out in XXXX XXXX i was told my mortgage will be over 250 dollars cheaper a month and I would be issued a check for all overages. Ive left numerous secure chat messages and have gotten no reply. I then call and explain the whole scenario again and then Im told different stories and empty promises of call backs and any follow through. They are holding money that is not theirs snd i want to press charges for stealing. Im told that they dont know what supervisors ive spoken with because the people that make the notes on my file only use their initials then they promise to correct issues and tell another lie.

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 2021-04-08 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: Account Resolution Corporation
State: MO

Complaint narrative:
These accounts have been transferred or sold. I am no longer responsible for the alleged debt also no written communication, contract, or signature. FDCPA section 807 ( 8 ) states if you can not validate this debt you must request that all credit reporting agencies delete the entry IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 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: Convergent Resources, Inc.
State: MO

Complaint narrative:
These accounts have been transferred or sold. I am no longer responsible for the alleged debt also no written communication, contract, or signature. FDCPA section 807 ( 8 ) states if you can not validate this debt you must request that all credit reporting agencies delete the entry 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 2021-04-08 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: Santander Consumer USA Holdings Inc.
State: MO

Complaint narrative:
These accounts have been transferred or sold. I am no longer responsible for the alleged debt also no written communication, contract, or signature. FDCPA section 807 ( 8 ) states if you can not validate this debt you must request that all credit reporting agencies delete the entry IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 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: TX

Complaint narrative:
I disputed errors on my credit report on XX/XX/21, which I have not receive no results in the investigation for more than 30 days ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Information belongs to someone else
Company: MoneyLion Inc.
State: IL

Complaint narrative:
Around XX/XX/2019 I got a notice to e-sign docs for an approved loan I did not request. I called Moneylion to see why I was getting this. They had all my personal information. I told them that wasn't me and not to send any money to that account since someone had my info. I told them to document my call to ensure it shows fraud in case they tried to do it again. I was assure they would close the account with my name. I filed a police report and changed my password and bank accounts. Months later, I see this loan on my credit report! I email them but they replied back saying thats wasnt the email to use. I check my credit report today and still see this.

Company response to consumer: Closed with explanation