vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-21 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: EQUIFAX, INC.
State: AR

Complaint narrative:
I went to help my daughter get and apartment, while i was there, I was informed by management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX XXXX XXXX XXXX {$750.00} XXXX XXXX XXXX {$75.00} XXXX {$150.00} XXXX XXXX XXXX {$530.00} XXXX {$820.00} XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX {$140.00} US DEP ED XXXX {$57000.00} XXXX XXXX {$13000.00} USDOE/XXXX XXXX {$14000.00} CHAPTER XXXX BANKRUPTCY DISMISSED

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : US DEPT ED Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
On a recent review of my credit report, I discovered that Caine & Weiner is inaccurately reporting a collection account to XXXX  and XXXX. I mailed a certified letter to Caine & Weiner requesting VALIDATION. In my letter I included what constitutes validation. The company acknowledged receiving my request and all that was sent to me was a collection letter. They ignored my request for validation all together. On top at that, I then received a notice from XXXX  that the company placed the collection on my report which wasn't on there previously. Lastly, the amount on the collection letter is different than what is posted on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
We called to ask about Forbearance plan, and was told information would be sent out for our review. We received a letter on XX/XX/2020 stating we have been approved for a Forbearance plan. After reviewing the information we decided this is not for us and paid our monthly payment on time and have been paying on time as our credit report stated all for the month of XXXX states No Data Show ( ND ). We are request the month of XX/XX/2020 to be shown as paid on 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 2020-05-21 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : US DEPT ED Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : US DEPT ED Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: OH

Complaint narrative:
Great Lakes has wrecked my credit score by improperly reporting my payment status as " deferred '' in violation of the CARES Act to the credit bureaus when I have continued to make payments on time, every time and advised that I did not need to enter forbearance as I was paid ahead through XXXX of 2020. They attribute this to a " coding error '' but have not rectified this with the credit bureaus. THEY NEED TO HAVE ACCOUNTABILITY and the Department of Education has no system in place to penalize servicers for errors of this magnitude.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX got new management. The new managers had wrong statements about tenants and reported incorrect information to collection agencies. The collection agency and apartment agreed to delete the collection information from my credit report because I do not owe them anything. The collection agency deleted the information from my XXXX report in 2019 but did not update the information on my XXXX and XXXX  reports and are now refusing to delete the information after multiple disputes, evidence and requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 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: AR

Complaint narrative:
I went to help my daughter get and apartment, while i was there, I was informed by management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX XXXX XXXX  XXXX {$750.00} XXXX XXXX XXXX {$75.00} XXXX {$150.00} XXXX XXXX XXXX {$530.00} XXXX {$820.00} XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX {$140.00} US DEP ED XXXX {$57000.00} XXXX  XXXX {$13000.00} USDOE/XXXX XXXX {$14000.00} CHAPTER XXXX BANKRUPTCY DISMISSED

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 2020-05-21 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: AR

Complaint narrative:
I went to help my daughter get and apartment, while i was there, I was informed by management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX XXXX XXXX XXXXXXXX {$750.00} XXXX XXXX XXXX {$75.00} XXXX {$150.00} XXXX XXXX  XXXX {$530.00} XXXX {$820.00} XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX {$140.00} US DEP ED XXXX {$57000.00} XXXX/XXXX  XXXX {$13000.00} USDOE/XXXX  XXXX {$14000.00} CHAPTER XXXX BANKRUPTCY DISMISSED

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 2020-05-21 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: EQUIFAX, INC.
State: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX {$31000.00} XXXX XXXX XXXX {$420.00} XXXX   XXXX {$430.00} XXXX XXXX XXXX {$170.00} XXXX XXXX   XXXX {$490.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
My name is XXXX XXXX, I have been a capital one credit card member since 2012 and one of my oldest credit cards on file. 

Due to inactivity my account was closed with no prior warning, just an email stating my account was closed. Prior to that email, no warning was given. 


Due to the pandemic we are currently in, My capital one credit card was the last line of available credit I had & I was planning on utilizing it which now I am not able to do because of the account closure with no warning Im disappointed in the company and the lack of courtesy to advise their Members that their card will be closed if no activity, especially during a hard time like this given the coronavirus pandemic. 

Like I stated previously this credit card is one of my oldest credit cards, I have been a member since 2012 and have always been a loyal member to capital one.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 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: EQUIFAX, INC.
State: TX

Complaint narrative:
print iconPrint Your Report Potentially Negative show tooltip button XXXX XXXX   XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute ftc violation sent to everybody

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 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 — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I have a credit card that was paid off years ago, and they still report late payments, its killing my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX {$31000.00} XXXX XXXX XXXX {$420.00} XXXX   XXXX {$430.00} XXXX XXXX XXXX {$170.00} XXXX XXXX   XXXX {$490.00}

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 2020-05-21 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX {$31000.00} XXXX XXXXXXXX XXXX {$420.00} XXXX   XXXX {$430.00} XXXX XXXX XXXX {$170.00} XXXX XXXX   XXXX {$490.00}

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 2020-05-21 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: NC

Complaint narrative:
Good morning, I contacted XXXX XXXX XXXX XXXX XXXX   because my credit report dropped around 47 points after I paid off a student debt in the amount of {$290.00} on XX/XX/2020 for account XXXX US Dept of Ed. Apparently, the account was marked closed and erased my payment history for this account once the balance was paid and impacted my score negatively. I called XXXX XXXX on XX/XX/2020 and they told me to dispute this with all three credit bureaus. I did this the very same day, dispute with all 3 bureaus on XX/XX/2020. Two of the three ( XXXX   and XXXX ) fixed the problem. They reflected my account was paid with XXXX balance but showed my history to not negatively impact my file. On the other hand, Equifax said the details are correct and made no change. I disputed this again with Equifax on XX/XX/XXXX and again they came back within a few days XX/XX/2020 and confirmed all details are correct and they confirmed with XXXX XXXX. I called to XXXX XXXX again today XX/XX/20 and they agreed this should not impact my credit negatively and provided me with details to contact the Ombudsman Department to file a complaint. XXXX XXXX is saying they can not force Equifax to change the details but agree they are reporting the details incorrectly that is causing a negative impact on my score. Please help me as I am only trying to pay off my student loan debt and I should not be penalized for it. I provided Equifax with my XXXX dispute details to help them report it correctly and they still disregarded my support to help fix this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 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: EQUIFAX, INC.
State: AR

Complaint narrative:
I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that i needed to take action. I pulled my credit report and there are many fraudulent accounts that do not belong to me. Please remove these fraudulent accounts from my report. XXXX  XXXX {$5400.00} DPT EDXXXX XXXX {$1300.00} DPT EDXXXX XXXX {$5400.00} DPT ED XXXX XXXX {$2800.00} DPT EDXXXX XXXX {$800.00} DPT EDXXXX XXXX $ 2864DPT ED/XXXX  XXXX {$2300.00} DPT EDXXXX XXXX {$2000.00} DPT ED XXXX XXXX {$4500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 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: NJ

Complaint narrative:
This is concerning a charge on XX/XX/2020 for a XXXX  purchase. I filed a dispute with Chase in order to get my money back because I never received the item and the buyer cancelled the order. After several weeks of waiting I received a notice saying that the dispute was found not in my favor because they did not receive any proof of return from me. I once again stressed to them that the dispute concerns an ebay ordered that has been cancelled and I did not have any product to return because I did not get any product to begin with. Now, this repeats for a couple more times, with me writing to them that I disagree and clarifying the situation with supporting documents, and then on XX/XX/2020, I once again send a letter to Chase clarifying that I disagree with their decision and will not be paying the charge because the order was cancelled and I did not receive any product so there is nothing for me to return. I even included message logs between me and the buyer that indicate that the order is cancelled and that nothing has been shipped out to me, I even included ways that they could contact him in order to verify the situation. Even with all that information, just today I received a notice saying that the dispute has once again been found not in my favor, so I here I am today, five months after the date of purchase, with no money returned and product on hand.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
My credit limit was reduced {$1300.00} on my Chase Credit card ending in XXXX without prior notification from Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ERC
State: FL

Complaint narrative:
There is a debt of {$400.00} on my credit that says an account has been opened this year on the XXXX of XXXX. I did no such thing that I can recall and would like some kind of proof of what kind of account and from where. I filed a dispute and all XXXX told me was they verified that I did open an account and basically telling me I have to pay but gave me no other information in fact wants me to PAY just to see more information regarding this issue. That's ridiculous! I dont understand what's going on. All I want to know is what kind of account was opened XXXX of this year, from where and how?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: ALLY FINANCIAL INC.
State: NH

Complaint narrative:
I would like to file a complaint against Ally Bank for paying a {$19000.00} electronic debit against my checking account at a time my balance was only {$3900.00}, leaving my checking account seriously overdrawn and leaving me unable to pay other bills. 

I recently made a balance transfer of {$19000.00} to a XXXX XXXX credit card that I had not recently used. I was not aware that I had previously set it up to have the full balance paid each month. On XX/XX/20 XXXX XXXX initiated a payment of the full credit card balance of {$19000.00} to Ally. At the time my checking account balance was {$3900.00}, with a reserve balance of {$10000.00} in my linked money market account. The combined balance of these two accounts of only {$14000.00}. Despite the shortfall of almost {$6000.00} Ally transferred {$10000.00} from my money market and paid the electronic debit, leaving my checking account overdrawn by {$5900.00}. Since Ally not only paid an item overdrawing my checking account, but depleted my savings account as well, I am left without any funds to pay any other items that come into my account between today and whenever I can get the situation straightened out. This could lead to a cascade of overdraft fees, as well as embarrassment. Additionally, since my money market savings account was also depleted, we are left no funds available for any day to day expenses. 

When I contacted Ally, they indicated all they could do was open an investigation and offered no explanation as to why they would pay an item that caused such a substantial overdraft to my account rather than returning it for insufficient funds. They said they were unable to provisionally credit my account while the payment is reversed, unless the investigation went beyond the 10 day period. 

I have contacted XXXX and requested that they reverse the payment. They have agreed to do so, but the process could take up to 2 weeks to be completed, so it will not undo the harm, frustration, and financial hardship caused by Ally paying an item that clearly should have been returned for insufficient funds.

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 2020-05-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Designed Receivable Solutions, Inc.
State: CA

Complaint narrative:
I contacted XXXX XXXX Hospital about the XXXX  debt owed to the hospital and was told that they notified Designed Receivable Solutions and advised them to delete the negative accounts from all credit bureaus. I received a letter from Designed Receivable Solutions dated XX/XX/2020, stating they had received authorization from XXXX XXXX Hospital to  remove any and all negative accounts from all credit bureaus under my name. I will attach the letter.

Company response to consumer: Closed with explanation