vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-22 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: Experian Information Solutions Inc.
State: NE

Complaint narrative:
sent XX/XX/2020 payment was paid and was not updated

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 2020-07-22 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Hello, I have reached out to XXXX  to dispute inquiries on my report that were not authorized by myself. I sent a letter certified mail on XX/XX/XXXX. 

After 3 weeks of not hearing from them on status of my dispute on these inquiries, I decided to call and inquire on the status of these disputes. 

They advised that they could not remove these inquiries although I confirmed with them that they were fraud and clearly my profile is being accessed without my knowledgede or authorization. 

In an attempt to obtain a letter of deletion from the creditors : Syncb/paypal XX/XX/XXXX ( SYNCHRONY BANK CONFIRMED SUBMISSION FOR DELETION to CREDIT BUREAU ) XXXX XX/XX/XXXX ( REMOVED DUE TO FRAUD ) Syncb XX/XX/XXXX XXXX SYNCHRONY BANK CAN NOT LOCATE THIS INQUIRY BECAUSE IT DOES NOT LIST THE MERCHANT NAME. I ASKED XXXX  TO PROVIDE THE MERCHANT NAME SO THAT SYNCHRONY BANK CAN FURTHER ASSIST. XXXX  DOES NOT HAVE ANY OTHER INFORMATION ON WHO ACCESSED MY FILE, OTHER THAN IT SAYING " SYNCB '' ) Syncb XX/XX/XXXX ( REMOVED DUE TO FRAUD ) Synvs/XXXX XX/XX/XXXX ( REMAINS ON REPORT - THIS IS FRAUD AND I DON'T KNOW WHO THIS CREDITOR IS. ) XXXX XX/XX/XXXX. ( THIS IS FRAUD ) In an attempt to better protect my private information, I have since place a fraud alert on my account and locked my files with XXXX. By end of month, I plan to have credit file locked with all three credit bureaus. 

Please help XXXX  resolve these issues as I am not getting anywhere with them. 

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 2020-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am writing to this complaint against CAPITAL ONE to inform you that I am a victim of identity theft. I recently learned that someone used my personal information to request to open an account with their company. I did not authorize those inquiries, and therefore I request that these fraudulent deletions be removed. I also request that your company absolve me of any charges attributed to such a request or that it is the result of this credit request, and that you take all necessary steps to remove from my credit records information related to this unauthorized inquiry by me. 

I am attaching a copy of a Police Report where my position is based, and a copy of my credit report that contains the fraudulent items related to your company resulting from the theft of my identity. In addition, I am attaching a copy of the FTC 's Notice to Information Providers detailing the obligations that must be observed by your company as a provider  of information to credit reporting companies ( CRAs ). As an information provider, upon receiving a written request from a consumer attaching an Identity Theft Report, your company must stop providing the information resulting from identity theft to any credit reporting company ( XXXX ). 

Under the Fair Credit Reporting Act, must be removed. 
CAPITAL ONE DATE XXXX CAPITAL ONE DATE : XXXX CAPITAL ONE DATE : XXXX This notice also specifies the obligations set forth in Section 605B of the Fair Credit Reporting Act that your company must comply with when you receive a notice from a credit reporting company ( CRA ) stating that the information you provided to the credit reporting company Credit reports can be the result of identity theft. Such obligations include ceasing to supply inaccurate information to any credit reporting company ( CRA ) and taking the necessary steps to prevent the sale or transfer of fraudulent debts to a third party for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: United Accounts, Inc.
State: TN

Complaint narrative:
In XXXX I was a client of XXXX XXXX @ XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. Ph. XXXX XXXX XXXX. I had Insurance & went there for XXXX  & XXXX XXXX. WORST XXXX ever, never adjusted -just used a small pogo stick on XXXX  & XXXX  ... awful.. aFTER FIRST VISIT, HE SAID HE WANTED TAKE XXXX.i ASKED IF MY INSURANCE COVERED IT-HE SAID YES ONE SET BUT HE WANTED TSKE 2. iF MY INSURANCE WOULD NOT COVER-HE WOULD NOT CHARGE ME. he never EVEN SHOWED ME THE XXXX. aFTER FIRST ADJUSTMENT HE SENT ME DOWN TO AA ROOM FOR SOME EXCERCISE training. After I asked if my insurance covered this, because if it didn't-I didn't want it & I dont like excercise classes anyway-I work hard. I was asked to sign paperwork about insurance & patient responsability ... I did & WROTE ON THE PAPER : : If my insurance dont cover it I DONT WANT IT. I only went ther 6 or 7 times, found a much better XXXX  & stayed with him a few years until I moved to XXXX   in XXXX. Never heard from the smuck until XX/XX/XXXX when I seen on My CREDIT FILE. contacted office once but got no where. XXXX XXXX was a drunk & XXXX XXXX. I dont owe him anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-22 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my 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 2020-07-22 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:
I am a current Chase Bank customer. I had a Southwest credit card and closed the account on or about XX/XX/2019. I never received paper statements as I did everything electronically and I cut up the credit card. I do not know the credit card number only the last four of the credit card. I was told by Chase that after 6 months the account is " purged '' and no one from Chase Customer Service can access the account. I purchased XXXX and airfare for 4 adults to several places in XXXX for a vacation for the end of XXXX and beginning of XXXX. Due to COVID-19 reservations are being cancelled and refunded to this closed account. Chase customer service said they have no way to help me get my refund or check the status of any refunds that have been credited as the account in " purged '' and I don't know the credit card number so I can't file disputes. I am waiting on a refund from XXXX XXXX XXXXXXXX in the amount of {$1700.00} XXXX XXXX XXXXXXXX 's case number is XXXX. XXXX XXXX  sent me documentation that they did refund me {$580.00} on that card. There are still other charges that I anticipate will be refunded within the next month to this credit card which will be over {$2000.00}. I am at a loss. Chase tells me there is nothing they can do for me as I don't have the full account number but they have taken away access to all statements where I could obtain that account number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX

Complaint narrative:
A collection account reported negative on my credit. The agency is I Q DATA INT. This agency is not legal to collect in my State. I sent via certified mail a request to validate the debt. They won't respond. Each week they add more money to the debt.This agency is in violation of the FTC AND TX FINANCE CODE

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 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: EQUIFAX, INC.
State: GA

Complaint narrative:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NH

Complaint narrative:
About XXXX I joined USAA and got their credit card, after reading about them getting fined for violating banking laws I requested that my account be closed and all personal information be removed from their system They cancelled my credit card in XX/XX/XXXX but did not close my account. I called around that time and requested my personal information be removed from their system. The agent I spoke to said that was not possible. 

In XXXX of XXXX I found online that my account was still open. On XXXX XXXX I requested in writing that my information be removed. 
Thinking the matter had been resolved I again found my account still open when I checked on line. 

XX/XX/XXXX I again wrote to USAA Federal Savings Bank asking for my personal information be removed and my account and membership be cancelled. 

Again this was not done. 
XXXX XXXX I called and spoke to a XXXX? went over my issues and requested that my information be removed and account and membership be closed out. 

He informed me that that can not be done per company policy. 

USAA Federal Savings Bank is holding my personal information in their electronic system which is subject to hacking ( XXXX  just recently XXXX. 

This exposes me to Identity theft and major legal problems. 

I don't see how this can be legal activity by a bank or anyone else.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am unable to get a 'Release of Mortgage ' document from Chase Bank . The involved loan was for a building that we currently own. This loan was paid in full on XX/XX/2019. So far, Chase Bank has refused to provide this information to myself and has not filed the appropriate documentation with the local county Clerk and Comptroller. Numerous telephone calls and written requests to Chase Bank for this information have been unsuccessful. Here is some relevant information about this matter : The lender was Chase Bank My account number is XXXX and the loan number is XXXX. 
The location of building on the loan is XXXX XXXX XXXX XXXX, XXXX, FL XXXX. 
The final payment of {$52000.00} was calculated and provided by XXXX XXXX on XX/XX/2019 and was paid in full on XX/XX/2019. 

I would greatly appreciate your assistance in obtaining the 'Release of Mortgage ' verification from the former lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 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: MI

Complaint narrative:
I had my identiy stolen in XX/XX/2020. I have contacted TransUnion about removing the inquiries on my report that I don't reconize or I did not autherize. I sent letters on XX/XX/2020, XX/XX/2020, and XX/XX/2020 and they will not 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 2020-07-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Klima, Peters & Daly, P.A.
State: VA

Complaint narrative:
XXXX XXXX,2020 XXXX XXXX Peroutka, Klima, & Peters, PA has filed suit against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ERC
State: LA

Complaint narrative:
The correspondence began on Thursday, XX/XX/2020 when a relative contacted me stating that a XXXX XXXX from " ERC '' called them on their personal number about a " personal matter '' for me. The relative disclosed that they were not me and that, that was the incorrect contact for me. XXXX XXXX left a call back number. 

When I received this phone call from my relative I was puzzled as to what " ERC '' even was. Upon a XXXX investigation I discovered that " ERC '' was a debt collection agency. The relative has received more calls since then. 

This contact information was never used in the past or currently for me. 

On this morning, Thursday, XX/XX/2020, I received notification from XXXX  that a {$300.00} collection from " Enhanced Recovery CO L '' was added to my file. I'm assuming this is the same " ERC '' that contacted my relative on their personal number. 

I've done further investigation and concluded that this debt was from an old collection with XXXX that was removed from all 3 bureaus in XXXX of XX/XX/XXXX. It has now returned, but under a different agency. 

I've attached the screenshot of how it appears on my report. On my report, there is a contact number listed, but upon calling the number it is disconnected. Another inaccuracy. I finally found a working contact number, called the company to try to gain insight on why they are now reporting this on my file and the representative was highly unprofessional and constantly asked for my Social Security Number,  which I did not feel comfortable providing. 

I am asking that this information be disputed and removed as I am in the process of buying a home and it is hindering my progress and credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 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: GA

Complaint narrative:
There are several items that are reporting inaccurately on my credit report : INCORRECT PERSONAL INFORMATION : Names : XXXX XXXX Address : XXXX XXXX XXXX XXXX ( TU & XXXX  ) Address : XXXX XXXX XXXX XXXX ( TU ) Address : XXXX XXXX XXXX XXXX ( XXXX & XXXX ) THESE ITEMS DOES NOT BELONG TO ME. IT IS REPORTING EITHER IN ERROR OR BY MEANS OF IDENTITY THEFT : XXXX  XXXX XXXX - Date Opened : XX/XX/XXXX ( TU ) ; XX/XX/XXXX ( XXXX XXXX Equifax ) ; Status states Included In Bkruptcy ; UNKNOWN - Collection Account ; Opened : XX/XX/XXXX ; Bal : XXXX ( XXXX ) UNKNOWN - Collection Account ; Opened : XX/XX/XXXX ; Bal : XXXX ( XXXX ) XXXX - Date Opened : XX/XX/XXXX ( TU ) ; Opened : XX/XX/XXXX ( XXXX  & XXXX ) ; Bal : XXXX INCURRATE REPORTING OF PUBLIC RECORDS : BANKRUPTCY - CHPT XXXX -FILED XXXX The following inquiries are unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX  ( 2 TIMES ) XXXX XXXX ( 2 TIMES ) XXXX XXXX XXXX ( 2 TIMES ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 3 TIMES ) XXXX XXXX XXXX XXXX XXXX ( 2 TIMES ) XXXX ( 2 TIMES ) 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 2020-07-22 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:
There are several items that are reporting inaccurately on my credit report : INCORRECT PERSONAL INFORMATION : Names : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX & Experian ) Address : XXXX XXXX XXXX XXXX ( XXXX ) Address : XXXX XXXX XXXX XXXX XXXX Experian & XXXX ) THESE ITEMS DOES NOT BELONG TO ME. IT IS REPORTING EITHER IN ERROR OR BY MEANS OF IDENTITY THEFT : XXXX XXXX XXXX - Date Opened : XX/XX/XXXX ( XXXX ) ; XX/XX/XXXX ( Experian & XXXX ) ; Status states Included In Bkruptcy ; UNKNOWN - Collection Account ; Opened : XX/XX/XXXX ; Bal : XXXX ( XXXX ) UNKNOWN - Collection Account ; Opened : XX/XX/XXXX ; Bal : XXXX ( XXXX ) XXXX - Date Opened : XX/XX/XXXX( XXXX ) ; Opened : XX/XX/XXXX ( Experian & XXXX ) ; Bal : XXXX INCURRATE REPORTING OF PUBLIC RECORDS : BANKRUPTCY - CHPT XXXX -FILED XX/XX/XXXX The following inquiries are unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX ( 2 TIMES ) XXXX XXXX ( 2 TIMES ) XXXX XXXX XXXX XXXX 2 TIMES ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3 TIMES ) XXXX XXXX XXXX XXXX XXXX XXXX 2 TIMES ) XXXX  ( 2 TIMES ) 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 2020-07-22 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I had my identiy stolen in XX/XX/2020. I have contacted Experian about removing the inquiries on my report that I don't reconize or I did not autherize. I sent letters on XX/XX/2020, XX/XX/2020, and XX/XX/2020 and they will not 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 2020-07-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
I received a letter from Rash Curtis and Associates dated for XX/XX/XXXX on XX/XX/XXXX account number XXXX stating I owed an alleged debt of XXXX. After contacting Rash Curtis and Associates on XX/XX/XXXX I spoke with representative ( XXXX ) but before I could plead my case that I had no knowledge of nor authorized the account I was rudely hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: MA

Complaint narrative:
I paid my mortgage on time for years. After my escrow amount was increased last year, I inadvertently failed to pay the new total, instead paying the former amount less the increased escrow for a couple months. Suntrust notified me after several months, and I paid the outstanding balance that the bank told me was due. But a few months later, Suntrust stopped accepting my payments and told me that I still owed a balance, and that I now owe a debt to the bank. It has not sent me a payment history or offered any proof of defaults. I have paid my new balance - principal, interest, escrow - in full since I paid off the outstanding balance, and Suntrust is illegally hurting my credit by trying to collect on a non-existent debt.

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 2020-07-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC
State: AZ

Complaint narrative:
I got a loan through Flagship credit acceptance for a car. My fault I was late the first payment. They were to send me a payment slip each month to make future payments. They never sent them on time and made my payment late a couple of times. We have since got that straight. They still claim I was late when it was their fault. I have not been late since. I disputed this on my XXXX  credit report. They looked into it and took flagships ' blanket response that they certified all was correct and flagship was blameless. This seems very wrong and lazy on both parties part and I am the one whose credit suffers for it. Why is it so easy to wrong someone yet it is that person 's responsibility and time to seek remedy. This is the only smirch on my record and hurts my FICO to the point I can't buy a house or refinance that miserable 12.9 % loan from flagship. Everybody wants to lazily accept a canned response and throw me under the bus. 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 explanation
Consumer complaint received 2020-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TCF NATIONAL BANK
State: MN

Complaint narrative:
On XX/XX/XXXX, a purchase was made that brought my account approximately {$6.00} under my balance. Before the transaction was posted a deposit was made to cover the amount. According to the policy of TCF bank itself, deposits are credited prior to withdrawals or purchases. However, TCF has decided to charge an overdraft fee for the charge, even though the charge has still yet to post as of today XX/XX/XXXX. An attempt was made to clarify and have them correct the issue. However the overdraft policy and how it works changes every time you talk to TCF based on your situation. This is now the second time I have has to file a complaint against TCF with the CFPB due to their unethical overdraft practices.

Company response to consumer: Closed with explanation