vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: OR

Complaint narrative:
A XXXX account is listed in my XXXX credit report, and is with a collection agency, Jefferson Capital  XXXX XXXX file number XXXX. 

I've disputed and XXXX kept the information on my report. 

The dates of the XXXX phone service show as opened in XX/XX/XXXX. I have had mobile phone service with XXXX XXXX since XX/XX/XXXX, this is my customer number XXXX. 

I've asked both XXXX and Jefferson Capital to share specific information about the account including open and close date and specific records and billing so I could have specifics to dispute and I've never been given the details of the account to detail the {$1700.00} they claim I owe. 

If you can help me get the account details I can have specifics to dispute the claim. Thank you in advance for your help and consideration. Best, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
This account was placed on my credit report and was previously deleted. However, the same company has placed the deleted account back onto my credit report causing my credit score to drop.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
I was charged a monthly service fee of {$14.00} even though I used my card 10 times the month of XX/XX/XXXX. I have uploaded the screenshots that prove Wells Fargo is stealing out of my account every month. You can clearly see that the card was used 11 times this month. And take note that this is still XX/XX/XXXX but the screenshots says Its already XX/XX/19. That is the undeniable truth that Wells Fargo is stealing out of my account under the guise of a monthly service fee. Wells Fargo does this to my account every month. Im tired of Wells Fargo stealing out of my account. Just letting you know that if I use my card 10 times a month I shouldnt be charged a service fee. Thats the problem. Even though I use my card 10 times a month to avoid the monthly service fee Wells Fargo still steals it out of my account regardless of if I used it 10 times or not.

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 2019-06-30 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:
Equifax and XXXX repeatedly reports these fraudulently accounts on my credit report after it has been removed from XXXX, I have been trying numerous of times to get verification from Equifax and TransUnion to remove these fraudulent accounts as follows : XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-30 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: FL

Complaint narrative:
Equifax is reporting inaccurate, incomplete and unverifiable information. I have given them plenty of opportunities to fix the error but they allow their disputes to be completed by an automated machine and as a result i have suffered with inaccurate information on my credit profile for a very long time. This is a blatant disregard for the FCRA and the " reasonable '' investigation to be conducted by Equifax. This has likely cost me thousands of dollars in interest payments. 

I am requesting Equifax to complete an actual investigation and remove the following items from my credit profile : 1. " XXXX 's XXXX XXXX '' - Account opened XX/XX/2018, has a balance of {$200.00}. Original creditor listed as XXXX XXXX XXXX XXXX To date I have not been given proof of what this debt is nor of my agreement to pay. I have allowed Equifax more than 30 days to produce the information and they have failed to do so. As such the account is to be removed from my credit report by the FCRA. 

2. Ch XXXX Bankruptcy - Equifax cites the source of this information as XXXX. I have contacted XXXX and they have confirmed that Equifax has not contacted them to verify the information. They have also confirmed that they do not share this information with Equifax. As more than the time allowed has been provided, this public record is to be removed from my credit report by the FCRA. 

3. XXXX XXXX XXXX - Reporting a balance of {$5500.00} - I am not responsible for this account. XXXX has agreed to remove this account from the credit reporting agencies, yet Equifax continues to report this account. Please delete this account from my credit report. 

4. XXXX XXXX XXXX - Reporting a balance of {$390.00} - I am not responsible for this account. XXXX has agreed to remove this account from the credit reporting agencies, yet Equifax continues to report this account. Please delete this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30 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:
After several attempts to TransUnion, XXXX, and XXXX to remove these fraudulent addresses they still havent done so for years now! these are the following fraudulent addresses as follows : XXXX XXXX XXXX, XXXX NC XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC 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 2019-06-30 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: RI

Complaint narrative:
Hi, on XX/XX/2019 Equifax received a letter sent by me by cerified mail returned receipt via the USPS requesting that they show me the visable proof they have on their files of the contracts or agreements i have signed with the items they have on my credit file. They answered back with a letter saying that i disputed some items which i did not, it was not a dispute, it was to see what proof they have on their files that those items on my file are mines. They said that they verified the items as accurate, they also said to canotact the furnisher of information about those items which i did and NONE of them have responded in more than 30 days violating the FDCPA. I sent a seconf letter to Equifax on XX/XX/2019 telling them again that i did not dispute those items and that i did already conatct the furnishers and none have answered me. So if the furnishers provided evidence that those accounts are mine to Equifax i want to see them, i want to see what evidence they have that those items belong to me since none of the furnisher have responded to my request, I asked them to tell me what person verified those items and using what method were those items " verified ''. those 3 items in my credit file were NOT open by me i do not know where they came from, im in the process of applying for a mortgage and just found out i had those 3 negative items on my file.This is hurting my ability to obtain a mortgage for a home formy family and to obtain credit and loans. i would like those 3 items removed. Attached are both letters i have sent them. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
Someone opened two Bank of America accounts in my name, with my social security number and address. Once I found out I called Bank of America three times and requested they investigate and close the account. They will not close the account without investigating. In order to do so, they claim to need a photo copy of my social security card, driver 's license and additional personal information I do not feel comfortable sending them considering their security measures are clearly not very strong. They already have app of my necessary information and confirmed the account was opened online with a fake email address and phone number. I want these fraudulent accounts in my name closed without having to give this bank sensitive material that could further compromise my safety and identity. Each time I have called I receive an apology, but absolutely no help whatsoever.

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 2019-06-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I filed Bankruptcy in 2017 which i had one XXXX XXXX act that was included in bankruptcy. now they are sending me notification stating i had a second account with XXXX XXXX that was not included in bankruptcy- However on that acct my first name is spelled wrong and i told them every thing i had with XXXX XXXX was included in my bankruptcy- I tried to have the debt validated, but they just send me back communication from XXXX XXXX with my name spelled wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Home Loan Center, Inc.
State: VA

Complaint narrative:
Was approved for {$2000.00} dollars didn't receive anything.Then They had me send {$100.00} XXXX XXXX  and {$170.00} dollars XXXX XXXX  and now they want me to send {$100.00} dollars for cancelling my loan which I didn't send and they won't refund my money that I sent

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30 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:
After several attempts to XXXX, Equifax, and XXXX to remove these fraudulent addresses they still havent done so for years now! these are the following fraudulent addresses as follows : XXXX XXXX XXXX, XXXX NC XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-30 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:
After several attempts to XXXX, XXXX, and Experian to remove these fraudulent addresses they still havent done so for years now! these are the following fraudulent addresses as follows : XXXX XXXX XXXX, XXXX NC XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC 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 non-monetary relief
Consumer complaint received 2019-06-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
This debt was included in my bankruptcy case- They keep saying no, but the courts allow you to add additonal debt when you file bankruptcy- Portfolio Recovery removed this collection from XXXX XXXX off my credit then placed it back on there one year later. They can not prove it was not included in bankruptcy, however they will not remove off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30 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: Navient Solutions, LLC.
State: AZ

Complaint narrative:
In XX/XX/2019 I received an alert from the credit bureaus that a collection was placed on my credit by a company called General Revenue Corp, XXXX XXXX XXXX XXXX, Ohio XXXX ,XXXX for a XXXX balance at a school called University of XXXX . I contacted the University on XX/XX/XXXX and they informed me that it was indeed an error and that they have instructed the company General revenue to delete it with all three credit agencies. It has not been removed despite disputing it myself with all three agencies, XXXX, XXXX and XXXX it is repeatedly verified. I have contacted General Revenue who continues to inform me, both On XX/XX/XXXX and XX/XX/XXXX that they will be deleting it but it remains verified. I spoke to them again today XX/XX/XXXX and it is Sunday so they told me to call back again tomorrow. I have proof in writing from University of XXXX that they have requested removal dated XX/XX/2019.

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 2019-06-30 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
COMMONWEALTH FINANCE XXXX XXXX XXXX XXXX, PA XXXX XXXX ( XXXX ) XXXX They call 3 to 4 times a day, they do not leave a message, they call from various numbers, all Mississippi area codes, yet they are in an overseas call center. ( XXXX  ) XXXX, ( XXXX ) XXXX, ( XXXX   ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX at all times of the day. The one time I did speak to them in XX/XX/2018, they refused to say who they were until I told them my name. I told them I did not have a job at the time and I could not pay and then a " manager '' came on the phone and just kept asking me for a payment plan and a credit card number. I told them at that time to stop calling me. They refuse to stop calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I've asked for the bill of sale, the private auction seller receipt, and the name of the private auction. They don't send what I asked for and continue to send explanation of calculation of deficiency.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
My business partner and I opened a Chase Total Business Checking account on XX/XX/2018 with {$200.00} in cash. We subsequently deposited a {$10000.00} check in late XXXX from our first contract. Without warning, our account was closed. We immediately went into the Chase location where we opened the account and were informed that the account was closed for " Suspected Fraudulent Activity '' which after further discussion was revealed to be the addition of a comma in the name of our business on the check we deposited. ( Our official name is XXXX XXXX XXXX. The check was made out to XXXX XXXX, XXXX. ) We were told that the initial {$200.00} cash deposit would be returned to us via check. It was. We were also told that the {$10000.00} check was not cashed, and so our client would need to stop payment and reissue the check to us. However, when our client went to do so, it was discovered that the {$10000.00} check was cashed by Chase. 

We have tried multiple times over eight months to resolve this issue, however we end up on hold with Chase for hours at a time. They have not responded to our numerous attempts to rectify the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Capital One restricted my credit card account -- without warning -- due to inactivity. They will close it in 4 months ' time. The card had a large credit limit, with XXXX balance due, and I would have used the card to prevent having the account closed. This will be a negative hit on my credit score, which I have worked to maintain at the highest level. 

I had the card for over a decade. I stopped using it regularly because other cards became available with much better travel and rewards incentives. Perhaps Capital One should have considered alternatives to sustain my use of their product. 

I understand that Capital One wasn't making money off my account. Still, customers should have an opportunity to take steps to protect themselves. Capital One agreed to a credit limit, and I utilized it. Agreements work both ways. 

There is not a single word in the agreement that the account can be closed due to inactivity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I have been working to resolve this repayment plan and options only to reduce my current monthly payments from {$260.00} to {$57.00} which I was informed that I was approved for the {$57.00} repayment plan. I submitted the requested documents via of electronic submission and downloading and attaching the proof of income of which my income has decreased. I continue to receive calls from Navient day and night beginning at XXXX until XXXX. These calls are all throughout the day and evening. It is very disappointing that when you speak with a representative to resolve the matter, and you are told we are here to assist and how can you get the best repayment plan, you are only offered false hope and additional fees. I will seek additional information on how to join the class action lawsuit against Navient, I have not even graduated and they continue to threatening me, I am beginning to believe that Navient is a fraud due to their ill-intent actions in claiming that I was approved for a repayment plan of {$57.00} and losing my income. Please help resolve this issue and provide assistance in getting this debt discharged. Thank you. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL

Complaint narrative:
XXXX has finally acknowledged my property tax exemption however they are now holding onto my excess escrow which was supposed to pay the mortgage. I have over XXXX dollars in escrow and they have my mortgage in default status and will not use this excess money to pay my mortgage for XXXX. I have sent XXXX in which should cover XXXX and XXXX but the excess money in my escrow account will more than cover XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I XXXX XXXX am in a position to file for a Chapter XXXX bankruptcy. However, as a means of pursuing a reasonable procedure to get out of debt over the next year without such a drastic step, I am requesting very low settlements in the 20 % range of where my debts were at the last payment. Accordingly, I believe that I only have one chance at this, and if I do not start receiving settlement offers soon, I will retain the bankruptcy attorney I recently consulted. Therefore, I request letters of settlement, and I request the cease and desist from all calls to my home, cell and/or work. I desire to resolve these matters in written form only. 

Thank you for your consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-30 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: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
I have tried repeatedly tried to have fraudulent Items removed from my Equifax report since XX/XX/2019. Initially there was 9 credit cards and inquiries that were all identity theft. I sent Equifax as they requested a police report and affidavit reporting the fraud on my report and asked them to block the information immediately. It is now 3 months later and they have removed all but 4 credit cards. 
1.XXXX XXXX 2.XXXX 3XXXX 4.XXXX/XXXX  I have talked to each credit card company and they have since stop reporting the items on all of my other credit reports. Somehow Equifax removed all but 4 of the items stating I needed a new police report. I sent in a new police report and they are still refusing to remove the items.

Company response to consumer: Closed with explanation