vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-21 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax ; XXXX and XXXX should not be reporting a collection/chargeoff in the amount of {$14000.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Utility Bill for identification purposes to investigate this complaint. ) This vehicle was sold at auction and sold for more than the amount owed. This account needs to report a {$0.00} balance. There is no outstanding balance due and therefore there is nothing to collect/chargeoff. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act not to report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
Company is failing to adhere to its own stated timelines regarding the processing and resolution of a Purchase Protection claim, as submitted to AMEX XXXX XXXX, a coverage offered and marketed to me as a Cardholder. This is despite every attempt on my part to facilitate the process, and no reasonable explanation for a delay. Please see attached letter and documentation for complete explanation of issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-21 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: NV

Complaint narrative:
These are not my accounts. Please remove them.

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 2020-08-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
On XX/XX/2020 I received a notification that I had a charge of {$50.00} in the bank statement. When I see what it is about, it says that it is an Annual Charge of {$50.00}, which was strange to me, because I am not subscribed to an annual charge with that card. When I call the Bank they tell me that it is an annual charge for having the Banco Popular of Puerto Rico XXXX XXXX However, that was strange to me, since in 5 years since I had the card, they have never made me that charge and I never accepted to be charged. Bank representatives tell me that it is new policy and that I have to pay for it.

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 2020-08-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: INTERCONTINENTAL CAPITAL GROUP
State: MD

Complaint narrative:
Settlement date is XXXX XXXX, 2020. Today is XXXX XXXX, 2020 and I have not received the Closing Disclosure from Intercontinental Capital Group. Intercontinental Capital Group has not responded to emails or telephone calls from myself and my realtor regarding the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 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: NV

Complaint narrative:
These are not my accounts. Please remove them.

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 2020-08-21 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: LA

Complaint narrative:
I have disputed this account on many occasions this account is in Litigation with 32 states on agreement of the lawsuit this account should be deleted from all bureaus its deleted from XXXX. But Experian and XXXX wont delete it ... I have documents from my Attorney General and screenshot pictures of this account removed from XXXX  ... Im filling a complaint on both Bureaus Experian and XXXX  the account is XXXX XXXX this company is known for subprime loans they give large interest rates loans to customers that cant make payments with low credit scores. Inaccurate reporting to bureaus.

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 2020-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My mortgage loan officer says that when they run my equifax credit report it says that I do not exist and when I call equifax they say that they cant see the issue and hangs up. Ive called them twice a day for 21 days with no resolution. Ive asked to speak with supervisors and has been hung up on. If not resolved me and my family will be XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 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: U.S. BANCORP
State: FL

Complaint narrative:
Dear CFPB, I recently started using a Fidelity Visa ELAN card that I have had since XX/XX/XXXX as it offered more points. I did not realize the limit was low ( {$7500.00} ) as compared to my other cards. I had XXXX  XXXX  and XXXX charges applied. On XX/XX/XXXX I was notified by XXXX  that there was a change on my credit score-my CREDIT SCORE dropped form XXXX to XXXX ... .72 points!! I then became aware of the limit and paid the entire balance ( which was not yet due ) by Fidelity bill pay on XX/XX/XXXX which was processed on XX/XX/XXXX. I have contacted Elan and been on the phone for hours. There is NO concern for this outcome and apparently they will not notify the Credit Bureaus until XXXX of the zero balance. I have no information how long it will take to regain my credit -- -- I was considering a new home this fall and now have to postpone as I don't know how a XXXX score would affect a mortgage. 

WARNINGS TO OTHERS : 1. I have numerous Fidelity accounts and history but they do not have ANY ability to assist with problems with ELAN- you are on your OWN! 
2. ELAN customer service explanations were uncaring and vague- no advise. 

QUESTIONS : 1. How long will it take now for my credit score to return to XXXX? 
2. How does it affect your credit score to discontinue the ELAN credit card? Are you better off leaving it at XXXX unused until ELAN discontinues it? 

Thanks CFPB for your assistance in advance. I read so many bad reviews for ELAN on XXXX  and XXXX XXXX that I see I am not alone ... ..

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 2020-08-21 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:
XXXX  ; XXXX and Transunion should not be reporting a collection/chargeoff in the amount of {$14000.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Utility Bill for identification purposes to investigate this complaint. ) This vehicle was sold at auction and sold for more than the amount owed. This account needs to report a {$0.00} balance. There is no outstanding balance due and therefore there is nothing to collect/chargeoff. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act not to report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-08-21 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: TX

Complaint narrative:
XXXX  ; Experian and XXXX  should not be reporting a collection/chargeoff in the amount of {$14000.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Utility Bill for identification purposes to investigate this complaint. ) This vehicle was sold at auction and sold for more than the amount owed. This account needs to report a {$0.00} balance. There is no outstanding balance due and therefore there is nothing to collect/chargeoff. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act not to report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-08-21 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kelsting Group, Inc.
State: CA

Complaint narrative:
I am hereby requesting that you confirm the fact that I owe this debt as required by any applicable state and federal laws. Please contact the creditor to obtain verification. In addition, under the provisions of state and federal Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), and related consumer statutes, I am hereby instructing you to cease collection of the debt while efforts are made to obtain verification. Until you resolve this error with the creditor, you should neither contact me nor anyone else except the creditor about this collection. Furthermore, any reporting of this matter to credit reporting agencies is premature. Until you have investigated my dispute, you should not relay negative information to a credit reporting agency. If negative information has already been reported, you must notify the agency to remove said report until the investigative process is over so that my credit report remains accurate, or at the very least, my credit report should be updated to reflect my dispute. Your next contact with me should be to either notice that the creditor has failed to provide verification of the debt and that the matter has been closed or that you believe that this debt is valid and are providing proof of my responsibility. If the former, please confirm that I am not being held responsible for the debt in writing and also that if the account has already been noted on my credit report, that you will contact the bureau ( s ) in question to have the account removed. If the latter, I expect that you will provide me with an explanation as to why you have decided not to remove this account from collections and a copy of all documents relevant to the debt such as the application, bills, records of communications and payments, and any other data that indicates my responsibility. I am instructing you not to contact any third parties such as my employer, neighbors, friends or family members. In addition, you may not contact me by phone at work or at my home about this collection activity. All future correspondence should be sent to me in writing. Please acknowledge that you have received this notice within 14 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 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: IA

Complaint narrative:
Chase dispute and the Chase executive office have failed to provide adequate reasoning and evidence for their denial of my dispute of prepayment made to a contractor. Chase claimed in my original dispute XXXX that they mailed letters to me stating that the contractor had rebilled my account as proof to support their claim that too much time had passed to investigate the matter. 

To provide a brief recap of that, the other party rebilled my credit card after I disputed them for not finishing their contract and walking off the job. Chase did not deny my right to rebill and instead stated that too much time had passed after I disagreed with their finding in writing. I know from working in customer remediation with executive offices at other companies that the elapsing of time is a valid reason to deny a claim but it is legally invalid when the company itself is the cause of the time delay. That is what occurred in this case. 

Chase originally attempted to state I didn't respond to their rebilling in time ; I did not know that the rebilling had even occurred until after the time limit had expired. I immediately contacted chase when the balance was reinstated on my account and only then realized this had occurred. As earlier stated chase responded to the CFPB complaint in XXXX by stating they had mailed letters to me during that period which I did not receive. 

In my complaint XXXX I stated that I had never received these letters from chase ; no notification was shown on my account on their website either which I logged into almost daily during the period where this incident occurred. In their response to this dispute chase admitted they didn't have any proof of letters being sent out, handled by a mail carrier, or delivered to my address. Another note is that the Chase executive office called me on Friday XXXX, 2020 to tell me that their response to my dispute was in the mail. I have not received this either. 

I would also like to add that during this dispute period Chase without my consent withdrew in excess of {$3000.00} from my bank account resulting in a bounced check that I had made to another person. They also posted interest fees to my account while CFPB complaints were pending against them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-21 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Continuously Hacking of cellular devices by resident in housing developement, identity theft and attempted bank fraud! With in the last 2 days, there has been attempts to hack into my bank accts, an unauthorized individual attempted to purchase a alcoholic beverage for {$53.00} at at XXXX XXXX XXXX XXXX, at XXXX XXXX XXXX, XXXX, NY XXXX, on Thurs, XX/XX/2020 at the time XXXX using my stolen identity with a PayPal debit card linked with my XXXX  Debit card! The XXXX detected the attempt, but PayPal had no record of the attempt and believe the individual was utilizing a Guest Transaction! Thare is a serious problem in XXXX with hacking of Cell phones and bank fraud! The XXXX admin. Is doing absolutely nothing about the spreading threats to senior citizens in the City! And the police dept is incapable of addressing the issue! The victims are left to defend and deal with the problem themselves! I on the other hand had decided to do my own investigation of the hacking, because of my background as a XXXX   XXXX  XXXX  from the XXXX XXXX! I was able to trace the source of the cell phone hacking to a resident in my building name XXXX, who resides in # XXXX, XXXX, NY XXXX he has be caught using a XXXX keyboard to remotely control the cell phone! The hacking technique is called " XXXX XXXX '' it involves remote having of Wi-Fi Routers and cell phones, rerouting of emails, texts & phone calls to the hackers server, identity theft and bank fraud as well as illegal surveillance by activation of the camera and microphone of the device! It also involves stealth background operations and processing of the device applications which allows the hacker to download encoded files in relation to obtain under age XXXX XXXX  materials undetected, so that they can secretly transfer it to unknown cloud accounts on the Dark Web!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I wrote a letter to the company lvgn funding resurgent capital disputing the alleged debt. I requested this company on 3 different occasions to provide documentation to support the claim owed. I also requested the company to ciest and disest any communication except by mail. This company mailed a letter providing the name of the original creditor on the claim with no supporting documents. I requested a second time for original documents bonding contracts billing statements and still have not received. This company continues to report this debt on my credit knowing the debt is fully disputed as I have no knowledge of the debt and believe it is fraud. The address the company showed I did not live at that address. There is no history proven payments made or even signed purchases or authorization of the account to be open being provided by the company. I have been very transparent with this company in an attempt to resolve the matter and I have gotten no where.This is very bullish practice to not provide documents to validate a debt and continue to make attempts to collect. I am demanding this company provide me with validation of the debt as I am entitled per the law. This company is in violation of the FDCPA and would like for your company to enforce this company to honor my legal rights as a consumer so this matter can be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 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: LA

Complaint narrative:
I have disputed this account on many occasions this account is in Litigation with XXXX states on agreement of the lawsuit this account should be deleted from all bureaus its deleted from XXXX. But XXXX   and Equifax wont delete it ... I have documents from my Attorney General and screenshot pictures of this account removed from XXXX  ... XXXX filling a complaint on both Bureaus XXXX  and Equifax the account is XXXX XXXX this company is known for subprime loans they give large interest rates loans to customers that cant make payments with low credit scores. Inaccurate reporting to bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Ability Recovery Services, LLC
State: SC

Complaint narrative:
Ability Recovery is a 3rd party this same collection account is under XXXX XXXX and being reported 3 times on all of my credit reports, this company cant verify that this account is mine.

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 2020-08-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have on multiple time disputed a credit inquiry on my Trans Union Credit Report ... they have not removed the credit inquiry from my credit report. ( See attached letter ) Credit Inquiry/Date XXXX XXXX XXXX XX/XX/XXXX XXXX  Visa XX/XX/XXXX Letter was submitted on XX/XX/XXXX and previously as well. 

CFPR complaint submitted on XX/XX/XXXX ... # XXXX I tried to call Trans Union in early XXXX and was unable to get thru ... 

I called again on XX/XX/XXXX ... spoke to XXXX..he said he would transfer me to A Specialized Fraud Team that was handling my dispute. waited on hold for 10 minutes and then the call was disconnected. 

I called about and spoke with XXXX @ XXXX ... told him my situation and how I was disconnected ... He again transferred me to the Specialized Fraud Team. I was able to speak with XXXX and he told me info on the XXXX accounts to be disputed and remove them from 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 2020-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: DISCOVER BANK
State: NV

Complaint narrative:
Discover credit card company lowers my credit score so that I can sign up for IDENTITY THEFT PROTECTION, or CREDIT SCORE MONITORING. 
My credit score used to be 830 to 850 and now is only XXXX. Today I checked XXXX XXXX and my credit score is XXXX. 
I called Discover and they lied about me being with no debt and that was the only reason. 
What a joke! I have no debt, no late payment, and paid my balance in full before the due date, they lower my credit score just  because I have no DEBT. 
I told Discover that I will file a complaint to CFPB and they told me to go ahead. 
Please help! 
Thank you so much for taking the time!

Company response to consumer: Closed with explanation