vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-02 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: NJ

Complaint narrative:
Im a victim of idenitiy theft..I submitted several disputes with the creditors and the credit reporting agencies ..creditors told me its the responsibilitiy of the crdit reporting agencies to remove the fraud accounts ..the credit agencies are refusing to remove some of the accounts. For the past 9 months I made several disputes with my police report ... Experian told me they can not accept my report but never gave me a reason why. I went back to the police department to see if they where contacted by the credit reporting agencies ..They said No..So why wont they accept my report? I followed there directions and supplied them with a offical police report..on XX/XX/2020 The received the attached letter from experian stated i should contact the creditors and when i contact them they say its up to the credit agencies and address XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX NJ don not belong to me which XXXX is reporting account from XXXX and XXXX that Fraud and XXXX  is reporting XXXX, XXXX and that are fraud..attached also is my police report

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 2020-07-02 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: TX

Complaint narrative:
Transunion was provided court documentation showing the information on my credit report from XXXX XXXX XXXX was inaccurate, yet they continue to keep this inaccurate information on my credit report. This is absurd. Please direct Transunion to remove this false information.

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 2020-07-02 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: GA

Complaint narrative:
There are incorrect information and accounts reporting on my credit file : Please remove inaccurate personal information : XXXX XXXX XXXX XXXX ( TU ) XXXX XXXX XXXX XXXX  XXXX  ( TU ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) The following is reporting as a result of Identity Theft/Fraud : XXXX  XXXX XXXX - Open date : XX/XX/2017 Bal : XXXX Please remove unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX 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 2020-07-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I had a an accident that resulted in a total loss in XX/XX/XXXX/XX/XX/XXXX. My insurance company ( XXXX at the time ) paid their settlement amount. It left a defiency balance on the loan. I have GAP and filed a claim. GAP gave a list of documents that they need, mostly from Capital One. I  contacted Capital One numerous times to have them send needed documents to GAP and according to GAP, they still have not been sent by Capital One. I also have warranties that need to be refunded, which GAP is also waiting for. I bought the warranties through XXXX  XXXX. They directed me to mail in a form to their corporate office. After doing that and waiting weeks I followed up. I was then transferred around to different numbers and ultimately given an update that no information has been received. I asked Capital One to assist me in getting warranties canceled too, they said they would but nothing has been done in months. Capital One did fulfill a request to mail me a copy of my contract because I moved since buying the car and some things were lost.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Halsted Financial Services, LLC.
State: FL

Complaint narrative:
I received a notice dated XX/XX/2020 from Halstead Financial Services stating that I owe XXXX/ XXXX  XXXX {$900.00}. I have never done business with either company. This account does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
On XX/XX/XXXX I have contacted Comenity Sony Card by phone ( which I have for 20+ years ) about COVID options. I've been given a generous 2 months defferral with no interest option. On XX/XX/XXXX got letter that Sony card INCREASING my interest rate to 24.99 % from 11 % without any reason. I've haven't had any issues with the card prior to my COVID request to defer the payment. This is unacceptable to receive a spike in interest for no reason when we are experiencing financial difficulties. The latest option they offered me is to close the account before the rate spikes, but how is it an option if I can't pay off my balance. In a negative rate economy, how is that credit cards are doing anything they want and keep sinking people to more debt? So basically the card helped me for 2 months with deferral and interest rate and now " catching up '' on getting all that back from me + more by increasing my interest rate. 

I want my previous 11.24 ( v ) % interest rate back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: AZ

Complaint narrative:
This is actually XXXX things simultaneously ( harassment and debt already paid ) Nationwide Credit Inc has continued to call me and harass me about a current and paid as agreed XXXX XXXX Account, that is OWNED BY XXXX. 

Nationwide Credit has called me 14X after I stated do not call me. 

Nationwide Credit is repeatedly harassing me on the phone, asking me for money on the monthly payment due that have already been paid directly with XXXX. 

Nationwide Credit today, called me about my XXXX XXXX account, in reference to a XX/XX/XXXX payment due of {$41.00}, which was paid on XX/XX/XXXX, to the amount of {$150.00}. 

I told them our business is concluded and there is no reason for them to call me, and I have explained that I am under doctor 's orders to reduce stress, and I told them this several times. Their calling has aggravated my health condition. Beyond that my account is paid. Paid is paid. You can't get more perfect than paid. So why are you calling? Just to harass me!! 

Here are the details : NCI Documentation : XX/XX/XXXX Statement : {$1900.00} Past Due {$160.00} Due Date : XX/XX/XXXX Paid {$200.00} XX/XX/XXXX Even though Paid and Current, NCI continued to call and harass me, on XX/XX/XXXX, THREE DAYS AFTER PAYMENT. Therefore, to avoid future harassment, I decided to pay the NEW statement, which had just posted that same day, which was {$41.00} to be paid by XX/XX/XXXX. In an effort to keep them from calling and harassing me, I paid a SUBSTANTIAL higher amount, 25 days early. As reference next. I PAID {$150.00} instead of {$41.00} in advance. As in early. 25 days early. Yet they called today to keep harrassing me. 

XX/XX/XXXX Statement : {$1700.00} Min Due : {$41.00} Due Date : XX/XX/XXXX Paid {$150.00} XX/XX/XXXX Clearly this is repeated violation of the FCRA. Ive repeatedly expressed to never call me, and especially do NOT call me when my account is current. I have 3 REV PAR taped recordings conveying my wishes to them as well. 

XXXX XXXX is an Accomplice in this by knowingly and willingly allowing this behavior. I have reported it to several account managers at XXXX XXXX. This is not an external collection, but their internal account services team I have been told. 

I have also never received ANY communication regarding my debt through NCI. They just started calling me one day.

I have contacted 2 law firms today discuss my case as well. One located in XXXX, and one is a large National Firm.

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 2020-07-02 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: NC

Complaint narrative:
its been 3 months since I notified the credit bureauby mail that my identity was stolen. I have been sending letters and placing several calls a week disputing the fraudulent information on my credit report. The erroneous information is ruing my life financially and need this removed asap!

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 2020-07-02 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 was trying to refinance my car today XX/XX/20 and I was unable to do so because when they ran my credit, I was told that there were accounts and inquiries reflecting badly on my credit history. I had no idea what they were talking about but after looking through my credit report myself I saw five accounts and a few inquiries on there that I never opened. The five accounts listed on this report do not belong to me nor did I give anyone permission to open them in my name using my personal information. At this time, I still don't know who is responsible for opening these accounts but I have already filed a police report. I did not benefit anything as a result of these account being opened in my name such as money, goods, services or any other benefit nor did I ever contribute to any payments that might have been made towards these debts. I am not affiliated to any of these companies in any way. I never signed any contract with them and I never allowed them to access my credit report.

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 2020-07-02 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 was trying to refinance my car today XX/XX/20 and I was unable to do so because when they ran my credit, I was told that there were accounts and inquiries reflecting badly on my credit history. I had no idea what they were talking about but after looking through my credit report myself I saw five accounts and a few inquiries on there that I never opened. The five accounts listed on this report do not belong to me nor did I give anyone permission to open them in my name using my personal information. At this time, I still don't know who is responsible for opening these accounts but I have already filed a police report. I did not benefit anything as a result of these account being opened in my name such as money, goods, services or any other benefit nor did I ever contribute to any payments that might have been made towards these debts. I am not affiliated to any of these companies in any way. I never signed any contract with them and I never allowed them to access my credit report.

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 2020-07-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: NC

Complaint narrative:
Some company named IC System just reported a {$440.00} collection account on my credit report. Before this account showed up on my report, I was not contacted in any way by IC System. If this was a legitimate collection, they are supposed to contact me first with a 30-day notice of my right to dispute, and give me 30 days to address the item, before they report it on my credit report. However, I was never given that opportunity. This is a violation of my rights under the Fair Credit Reporting Act, as well as the Fair Debt Collection Practices Act.

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 2020-07-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
The company did not allow me to pay the bill online. When checking out the best buy cashier asked me if I wanted promotional no interest financing I said yes and handed them my ID to enter in information. They entered the information wrong and I never got any bills or a card. Next thing I see a late payment on my credit report. I immediately call best buy to try to get the issue resolved. They deny me a online log in because I did not have the card that was never sent to me. The promotional financing advertisement pamphlet clearly stated I would be able to pay the account online as it is the most convenient way as well as I have a natural habit of paying my bills online and would not have agreed to getting the card if I was unable to do so. After the fist set of missed payments on my account I tried to set up automatic payments over the phone to avoid getting late payments. The fist payment went through then all subsequent payments did not. I pay all my bills through the internet because I am a college student who also works full time and has kids. If someone is not going to take payment via a web portal I do not have the brain capacity or the time to remember to call every month to make a payment.

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 2020-07-02 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSWORLD SYSTEMS INC
State: AR

Complaint narrative:
ILLINOIS XXXX XXXX XXXX AND XXXX XXXX LOAN TO TSI FOR COLLECTIONS. THE DATE WAS AFTER XXXX. XXXX XXXX XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 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: GA

Complaint narrative:
There are incorrect information and accounts reporting on my credit file : Please remove inaccurate personal information : XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX Hill Py ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( Equifax ) The following is reporting as a result of Identity Theft/Fraud : XXXX XXXX XXXX - Open date : XX/XX/2017 Bal : XXXX Please remove unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 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: GA

Complaint narrative:
There are incorrect information and accounts reporting on my credit file : Please remove inaccurate personal information : XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( Experian ) XXXX XXXX XXXX ( XXXX ) The following is reporting as a result of Identity Theft/Fraud : XXXX XXXX XXXX - Open date : XX/XX/2017 Bal : XXXX Please remove unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 2020-07-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: HI

Complaint narrative:
I was recently attempting to refinance my home and when my credit report was pulled, I had a late payment in XX/XX/2019 from a store charge card, XXXX XXXX ( XXXX ) serviced through Capital One, severely impacting my score. I am currently 2 points away from the required score to refinance and was told to contact XXXX card services to see about removing this blemish from my credit report. I was told to write a letter to XXXX   and they would respond within 2-3 wks. The letter included information such as the month of the late payment, XXXX and the situation at hand. My normal monthly is {$40.00} and an archived electronic statement dated XX/XX/2019 shows a past due amount due of {$100.00}, with a total amount due of {$150.00} on XX/XX/2019. I immediately noticed the discrepancy and paid the full amount ( {$150.00} ) on XX/XX/2019 which included the past due amount and charges through XX/XX/2019. This was a simple oversight, on that could have been avoided with a simple correspondence from XXXX card services. I accepted the late fees as I understand that the payment was in fact 2 days late. However, I have NEVER had a late payment on any of my credit cards, never mind reported on my credit report and have always paid over the minimum amount due. I did not receive any notification and was completely unaware of the blemish they placed on my credit report until I tried to refinance. Therefore, I wrote a letter to attempt to have this removed from my credit report. 
After not receiving a response, I contacted them yet again. I was then told to what a few more days. Again, I did not receive a response and called again. This time I was told that it was up to Capital One to respond and take necessary action so I was transferred. Capital One pretty much told me too bad and wait for them to respond. They have 2 days left and it will be 30 days to which they did not respond to my dispute and therefore, I am requesting that the information be removed from my credit report. This was a simple " 2 DAY '' oversight that will end up costing me thousands upon thousands of dollars and Capital One is unable to work with a long-term, good standing customer that has continuously paid on and above minimum balances and remained current on their account during the whole worldwide pandemic. They are being completely unreasonable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 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: NC

Complaint narrative:
its been 3 months since I notified the credit bureauby mail that my identity was stolen. I have been sending letters and placing several calls a week disputing the fraudulent information on my credit report. The erroneous information is ruing my life financially and need this removed asap!

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 2020-07-02 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: NC

Complaint narrative:
its been 3 months since I notified the credit bureauby mail that my identity was stolen. I have been sending letters and placing several calls a week disputing the fraudulent information on my credit report. The erroneous information is ruing my life financially and need this removed asap!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/2020 I added my TD bank checking account ending in XXXX to the payment method and made a payment of {$1000.00}. On XX/XX/2020 I received an email notice saying the payment was returned and I was charged a return payment fee of {$12.00}. I called immediately that night, I read the full account number to the agent to let him check if that is the number I input. He confirmed it. He can not explain why the payment was returned either. The agent on the phone helped make the payment again on his end. This time it was posted. 

In short, two payments were made with exactly the same checking account number. The first one was returned and charged {$12.00} by Target. The second went through. I have nothing wrong on my end since I input the correct account number and there is always enough balance on my checking account. The only reason for the returned payment I infer is a bug on Target website : It won't allow me to select " checking '' as the payment account type. On the " Step 1 of 4 :  Select the account type '' page, the menu only show " savings '', I think the second line should show " checking '', but it is blank and it does not allow me to select that line. This bug still exists till now. The screenshot has been attached. The agent on the phone told me that though he can not change the account time shown in my online account, he can make the payment again on his end that he can select the account type as " checking '' instead of " saving ''. And that second payment of {$1000.00} was successfully posted on both Target and my TD checking account.

Company response to consumer: Closed with explanation