vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-10 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
i called american express credit cards i spoke with customer service during covid-19 i lost my job and having financial problems but i offered to pay half of what i owe balance is {$4500.00} i offered to pay {$2300.00} and the lady with americamn express customer service told me pay XXXX dollars down and XXXX a month and they would'nt close my account and no penalties and i honered their payment plan and paid XXXX total then phone misteriously disconnected i called backed now a man answered the phone in customer service said that my account will be closing and i would have to re apply for card even tho other clerk id number XXXX told me different which i actually did pay her terms now american express changed the deal during united states covid -19 hardship thats effecting  everyone leaving no one to spare during this disater relief program american express has i really believed i was going to get help from this credit card company i would like for american express to honor the deal they promised me or atleast let me pay {$2300.00} and give me 2 weeks for balance but they agreed on term of XXXX a month now breaching the verbal contract just need help please

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc.
State: GA

Complaint narrative:
On, XX/XX/2018, XXXX ( Calinber Home Loans ),  ran my credit for a home mortgage loan. I did not authorize this transaction from occurring. I was not aware of such a transaction occurring with my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 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: FL

Complaint narrative:
Inaccurate information on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 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: PREFERRED CREDIT INC
State: GA

Complaint narrative:
Preferred Credit has been paid off and they stated they reported he information to the bureau. The bureau is showing the account open with a balance. I have a letter verifying it is paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery Associates, LLC claims I owe a debt totaling {$4000.00}, which was purchased from XXXX XXXX. I have requested, via three recently recorded phone calls, that PRA, LLC furnish financial statements/documents related to this  account. PRA, LLC has refused to do so, denying me the opportunity to examine the specific charges on this account to assess and determine their accuracy. 

Instead, PRA, LLC has sent a generic letter validating the debt and denying any inaccuracies related to their reporting of this debt, which is listed as a collection on my credit reports. 

I recognized that there were numerous charges made to this account in XXXX/XX/XX/2015 in XXXX, TX that I DID NOT MAKE, after speaking with a PRA, LLC call center representative last week. 

PRA, LLC is in non-compliance if the FCRA. If I need to hire an attorney, I will.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 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: FL

Complaint narrative:
Inaccurate information on 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 2020-05-10 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I have attempted, repeatedly, to file a dispute and keep receiving an error message stating, " We're experiencing technical difficulties and can not access your report at this time. ''

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 2020-05-10 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: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
XX/XX/19 Hard Inquiry Brclysbankde I did not give permission for this company to run my credit. I have tried to reach them in reference to this issue to have it removed but 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 2020-05-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
If have disputed this account on several occasions for the inaccuracies being reported on my credit report & falsified documentation in my contract agreement. 
After reviewing my updated credit report that I received from a previous dispute that was provided to me by XXXX ( Confirmation # XXXX ) Dated for XX/XX/XXXX I found the following Errors on my report & Requested Validation Document : ( Please refer to copy of credit report attached ) Date of last payment is inaccurate : ( XX/XX/XXXX ) ( I previously contacted the collector requesting a Validation of this account ; I asked that all documentation on file be mailed to my address listed above ). In the documentation it shows that the Repossession Date is XX/XX/XXXX. Therefore, the date of last payment that is being reported I was no longer in possession of the vehicle. Truthfully throughout this lease agreement I never made a single payment towards the vehicle, due to my younger adulthood irresponsibilitys. 
Repossession Law in the state of Georgia states that : Georgia Code Section 10-1-36 outlines the debtors options following car repossession. The lender must notify you of your rights to redeem the car within 10 days of repossession. I never received any notification from the finance company when or where I could reobtain my vehicle if willing. There is no document attached with the requested validation information pertaining to me retrieving the vehicle after repossession. 
In the requested Validation documents the contract states that I paid a down payment of {$2000.00} which in fact I did not. The car sales man coerced me into getting the vehicle and settled for a down payment of {$500.00}. I was advised to tell the Finance company when they called to verify my information after purchase that I would need to tell them I paid a down payment of {$2000.00}, if not the Finance company would take the car back if they found out I only paid {$500.00} down.

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 2020-05-10 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: EQUIFAX, INC.
State: GA

Complaint narrative:
If have disputed this account on several occasions for the inaccuracies being reported on my credit report & falsified documentation in my contract agreement. 
After reviewing my updated credit report that I received from a previous dispute that was provided to me by XXXX ( Confirmation # XXXX ) Dated for XX/XX/XXXX I found the following Errors on my report & Requested Validation Document : ( Please refer to copy of credit report attached ) Date of last payment is inaccurate : ( XX/XX/XXXX ) ( I previously contacted the collector requesting a Validation of this account ; I asked that all documentation on file be mailed to my address listed above ). In the documentation it shows that the Repossession Date is XX/XX/XXXX. Therefore, the date of last payment that is being reported I was no longer in possession of the vehicle. Truthfully throughout this lease agreement I never made a single payment towards the vehicle, due to my younger adulthood irresponsibilitys. 
Repossession Law in the state of Georgia states that : Georgia Code Section 10-1-36 outlines the debtors options following car repossession. The lender must notify you of your rights to redeem the car within 10 days of repossession. I never received any notification from the finance company when or where I could reobtain my vehicle if willing. There is no document attached with the requested validation information pertaining to me retrieving the vehicle after repossession. 
In the requested Validation documents the contract states that I paid a down payment of {$2000.00} which in fact I did not. The car sales man coerced me into getting the vehicle and settled for a down payment of {$500.00}. I was advised to tell the Finance company when they called to verify my information after purchase that I would need to tell them I paid a down payment of {$2000.00}, if not the Finance company would take the car back if they found out I only paid {$500.00} down.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 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: Innovis
State: FL

Complaint narrative:
Inaccurate information on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 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: Alpine Credit, Inc
State: NE

Complaint narrative:
They are reporting incorrect information on the credit report. They are reporting a collection account in the amount of {$220.00} is being reported by Alpine Credit , Inc. This is not my account and needs to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 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: LEXISNEXIS
State: FL

Complaint narrative:
Inaccurate information on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 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: NE

Complaint narrative:
They are reporting incorrect information on the credit report. They are reporting a collection account in the amount of {$220.00} is being reported by XXXX XXXX , XXXX. This is not my account and needs to be removed from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 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: NE

Complaint narrative:
They are reporting incorrect information on the credit report. They are reporting a collection account in the amount of {$220.00} is being reported by XXXX XXXXXXXX , XXXX. This is not my account and needs to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 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: NE

Complaint narrative:
They are reporting a collection account on my credit report in the amount of {$40.00} is being reported by XXXX XXXX. This is not my account and needs to be removed from my credit report immediately. This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 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: ID Analytics, Inc.
State: FL

Complaint narrative:
Inaccurate information on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I filed unemployment insurance claim and had been waiting receive the card. 
On XX/XX/XXXX, I didnt receive the card, so i contacted bank of america prepaid card, and talked with agent. The agent advised me to wait until XX/XX/XXXXWednesday and if not, call back. 

On XX/XX/XXXX, still I didt receive the card and contacted Bank of America Prepaid card. However, I was heard that someone already stole my card and activated, even used up the balances. Even the mail stealer reported card lost and requested new card with expedite delivery. So, i said i never received the card. Since the person who stole my card updated his email address on my card, so i changed the email address and mailing address from edd website. After that, i requested new card. 

On XX/XX/XXXX, last day, the dispute department was already closed, so i called Disputed or risk team and said same things what happened to me. The person told me that i will receive a letter and will receive the credit. Also, i visited post office and reported mail stolen and as advised by call center, reported money transfer in usps by stolen person. 

On XX/XX/XXXX, i received a card ending XXXX via XXXX to old address. Since i changed address and requested new card, i thought this card not available to be used. 

On XX/XX/XXXX, i received another card ending XXXX via normal post office delivery to newly updated address. 

On XX/XX/XXXX, i tried to activate card endingXXXX, but i didnt allow me to do. so i tried with card ending XXXX, it was activated. However still no credit was given for the amount that i didnt used. No letter received yet. 

I was very confused, and i wanted to ask someone in bank of america, but no one answering. 

I want my edd money back as soon as possible since currently im not working due to Covid-19. 

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 2020-05-10 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: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
Inaccurate information on 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 2020-05-10 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: TX

Complaint narrative:
To whom it may concern : I am writing to dispute this item still on my credit report in which I sent correspondence via email. I defaulted on a Capital One credit card due to medical expenses and being laid off of my job back in XXXX for health reasons. I was offered a chance to repay the balance owed on the credit card, and since my health has improved and I got a better paying job, I entered into the repayment plan. I opted for the 3 month plan in which I would divide the settlement amount of {$340.00}. I paid {$110.00} on XXXX XXXX and XX/XX/XXXX, and {$110.00} on XXXX XXXX. The very next day on XX/XX/XXXX, the account was never updated to reflect my third and final payment to settle the account. On XX/XX/XXXX, I conveniently received an email stating that I have made the final payment to settle my account. I want my credit reporting updated to reflect this account being settled ASAP. If you have received my money and sent an acknowledgment email to me stating that I have settled the account, then be fair about it and report the same to the credit bureaus. Attached is a screenshot from my mobile banking app of the three payments made to Capital One, the email received from Capital One, and the screenshot of the credit reporting showing that as of XX/XX/XXXX ( the day AFTER my payment was made ) it was still reporting the last payment was made in XXXX, which was NOT true. I want this account reported as settled and off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 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: FactorTrust, Inc.
State: FL

Complaint narrative:
Inaccurate information on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
Inaccurate information on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Inaccurate information on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Inaccurate information on 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 2020-05-10 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have contacted equifax many of time I was also in there date breach and I still havent seen any up date on my credit report I cant log in Ive been send verification of who I was many of time and I will not send it again it should be in my file my address been the same for years and I still havent been able to get anything with my credit report its false bankruptcy false history false and this effected me for years I sent FTC report I even try to file insurance with XXXX which Im a victim and I havent got through to nothing being XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: AL

Complaint narrative:
There is an collection agency call convergent outsourcing that has placed a debt in the amount of {$210.00} on my credit report for XXXX, XXXX and XXXX XXXX. It was placed on my credit report in 2019. I have reached out one time to inform them that they should not be on my credit report that bill that they placed on my account is from XXXX. That bill had been taken care of already I have the confirmation number. also, the amount that the bill worth was {$110.00} so Im really unsure as to why they were trying to get {$210.00}? Just that alone shouldve been removed from my credit report because they were reporting an illegal amount.

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 2020-05-10 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: FC HoldCo LLC
State: FL

Complaint narrative:
Inaccurate information on 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 2020-05-10 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Inaccurate information on 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 2020-05-10 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
naccurate information on credit report.

Company response to consumer: Closed with explanation