vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-11 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: MD

Complaint narrative:
I have attempted to resolve a matter with Capital One about incorrect information on my credit report. I have provided all of the information they require and have not received adequate attention. The report is stating that I had delinquencies on a credit card from XXXX XXXX. The card was not mine and there is no other record of it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, is the result of identity theft. 
Account Name : Account Number : Charge : Date : XXXX/XXXX  XXXX   {$3600.00} XX/XX/XXXX XXXX  XXXX XXXX XXXX {$900.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$790.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$480.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1100.00} XX/XX/XXXX I have enclosed my FTC Identity Theft Report, proof of my identity and a copy of my credit report showing the fraudulent items. Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. I appreciate your prompt attention to this matter, and await your reply. Sincerely,

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 2020-03-11 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: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
My credit score took a big dive XXXX down to the 600 's I logged into XXXX  and found a PayPal/SYNCB account that I knew nothing about and never opened, I suspect fraud and or identity left. This account has 170days of late payments which is destoying my credit score. I knew nothing about this and never received any bills or e-mails, since it was not me who opened this account. 
I found inquiry report that three times that day, my credit was pulled by XXXX/XXXX, SYNCB/PAYPAL and XXXX  XXXX / XXXX  I never authorized those and knew nothing about them. I have filed a dispute with XXXX. 
PAYPAL/SYNCB refused to give me any help or information, please help me

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 2020-03-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
BBVA Compass have avoided contacting me and trying to settle this issue with my loan for XXXX  XXXX XXXX XXXX pickup. I have filed several complaints trying to get them to respond. I found out my loan was with Compass Bank lost control of my loan last year then they filed an insurance claim with there company as a loss in XXXX, when we received a deferment to pay the loan in XXXX. Compass no longer exists, BBVA nor Compass is on my truck title so they do not have possession of the loan nor the Truck. I have been trying to refinance this loan with several companies have failed. Okay two weeks ago I started getting mail from Attorneys stating I was being sued by Compass/ BBVA to be exact XXXX XXXX XXXX AND XXXX XXXX was being  sued, I was not sure why they was trying to sue my email address. There company claim that my email has possession of the XXXX  XXXX XXXX XXXX pickup. when I received this letter I contacted there Attorney to inform him that I was the only one on the loan and that XXXX is an email not a person he told me I was not suppose to find out about the petition the company was trying to stop the FDIC and CFPB from shutting them down and that they have never paid to have me served. But there last reply through CFPB stated we are in litigation, BBVA or someone at Compass keeps writing comments on my credit report in order to damage me this bank have broken ever Federal and State Law as far as finance. I have all document  attached this is no longer a State Case we are looking to take this Federal as well they have violated OCCC Section 348.114. they have also violated Texas Finance Code 168.1 and 602.1 and 698.3. I  had to go online to find the petition filed against me there is nothing in this petition about my money that was paid my date of default or anything I am waiting on a reported to contact me from new line 8 if they refuse to respond to me maybe they will talk to some one and at the same time this will go public. l am currently waiting on  our court date BBVA / Compass need to be shut down If they do not serve me to go to Court and they are stalling for time what do a consumer do NEXT? Answer Serve them!!!! I will see them in court I am not going to go away they have ruined my credit and life. they need to contact me only!!!!!! XXXX XXXX XXXX at XXXX and or email at XXXX or XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: NJ

Complaint narrative:
A debit company ( SOURCE RECEIVABLES MANAGEM ) report a debit for {$850.00} dollars to the credit agencys. according to them the original creditor is XXXX 
I told them over the phone that account doesn't belong to me. They refused to removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 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: AL

Complaint narrative:
Transunion is reporting my account XXXX  XXXX XXXX balance {$250.00}, this account has been paid for almost 2 months. They are saying that it hasnt been updated since XXXX, but I have contacted the credit card company and they have updated this balance 3 times. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each time transunion claims they have not received these updates. This is really hurting my Score. I have contacted them almost 30 times within the last 2 weeks. I have not been able to get anything resolved with them, and I think they are not reporting my information correctly.

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 2020-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MI

Complaint narrative:
I am XXXX  XXXX, have a XXXX XXXX XXXX ; reading and writing is very difficult ; I am on social security XXXX  -- using the computer is very difficult XX/XX/XXXX Mortgage Company Mr. Cooper is my loan service. When Cooper took over servicing my loan, I wrote a letter asking for public accommodation, modification to policies and procedures so I can call my payment in each month and XXXX waive its {$20.00} over the phone payment fee. My file was noted I am XXXX   XXXX and XXXX and the {$20.00} convenience fee was waived. 

My account was assigned to the Escalation Department and originally I spoke to management of this area who assured me there is no fee for making payments by phone. 

Last month I called and used the computer with assistance of a service rep XXXX it took an hour to find a simple task ). I don't remember if my account was logged in. I learned that once an account is logged in, it sends a message through the computer system that customer is able to use the system which is FALSE. I use a screen reader and I have great difficulty composing letters ( takes forever ) due to my XXXX XXXX. SO NO, USING THE COMPUTER IS NO GOOD FOR ME. 

.XXXX XXXX, XXXX I called to make my mortgage payment as usual and the representative stated there was not record I sent a letter to Mr. cooper mortgage asking for fee waiver and from this date forward a {$20.00} convenience fee would be added for calling my mortgage payment in. I was offered methods of payment that do not work for me. 
1. Pay by check. I do not receive my social security check until the end of the month and it takes up to 15 days for the mortgage company to process my check. So this doesn't work, 2. Pay online -- It is very difficult for me to use the computer and my ability to read. So this doesn't work. 
3. Pay via auto withdraw. I can not always pay my mortgage on the same day and time each month due to other bills ; I am on a limited income and have to pay bills as I am able. So this doesn't work either. 

The customer rep stated she had no record of the ( attached ) letter and the mortgage company would waive the convenience fee of {$20.00} this one last time. She said was was aware of the Americans with Disabilities Act but the mortgage company has alternate methods of payment and therefore they comply with the ADA. 

I need to be able to pay my mortgage by phone or I will be severely put behind.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 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: CA

Complaint narrative:
I AM A VICTIM OF AN IDENTITY THEFT, THE THIEF OPENED A FRAUDULENT ACCOUNT AND THEY MAINTAINED THE ACCOUNT WITHOUT MY CONSENT, THE CHARGES ARE FRAUDULENT AND ARE NOT MINE. I HAVE NO IDEA WHO THE THIEF IS, I UNDERSTAND THAT XXXX IS A BIG COMPANY BUT ITS NOT FAIR FOR ME TO BE A VICTIM AND HAVE A FRAUDULENT ACCOUNT ON MY CREDIT REPORT. THIS IS DISCRIMINATION AGAINST A VICTIM OF AN IDENTITY THEFT, I AM TRYING TO EXPLAIN TO THE BUREAUS AND TO THE XXXX CARD THAT SOMEONE STOLE MY INFORMATION AND THEY FRAUDULENTLY OPENED THIS ACCOUNT.

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 2020-03-11 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: CA

Complaint narrative:
I AM A VICTIM OF AN IDENTITY THEFT, THE THIEF OPENED A FRAUDULENT ACCOUNT AND THEY MAINTAINED THE ACCOUNT WITHOUT MY CONSENT, THE CHARGES ARE FRAUDULENT AND ARE NOT MINE. I HAVE NO IDEA WHO THE THIEF IS, I UNDERSTAND THAT XXXX IS A BIG COMPANY BUT ITS NOT FAIR FOR ME TO BE A VICTIM AND HAVE A FRAUDULENT ACCOUNT ON MY CREDIT REPORT. THIS IS DISCRIMINATION AGAINST A VICTIM OF AN IDENTITY THEFT, I AM TRYING TO EXPLAIN TO THE BUREAUS AND TO THE XXXX CARD THAT SOMEONE STOLE MY INFORMATION AND THEY FRAUDULENTLY OPENED THIS ACCOUNT.

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 2020-03-11 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
This is the second complaint. I had filed a complaint about Rash Curtis collecting a debt that the hospital had recalled because I paid the hospital directly. I incurred in interest, lost wages trying to find resolution to this ordeal. 
According to XXXX XXXX Hospital Rash Curtis agreed to debit me back the interest on the duplicate accounts but has refused to do so. The amount is close to 300 dollars. This whole ordeal needs to end. The CFPB did not do anything the first time and took Rash Curtis statements accurately instead of believing me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-11 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: AES/PHEAA
State: CA

Complaint narrative:
Fed Loan Servicing has committed multiple violation on my credit report per FCRA and is affecting me enormously. Please forward attached documents to Fed loan Servicing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
Navient assured me, twice, no payment would be pulled for XXXX. Then they pulled a payment ( nothing was due ) and now I can't afford to eat. They kept blaming the government as a reason they could not refund me the payment in under a MONTH. The Navient Supervisor told me my only option was to have my bank lend me money, or starve.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc.
State: GA

Complaint narrative:
I contact the IRS several years ago circa XXXX when I realized that I was a victim of Identity theft and someone file a tax return that I did not over a 2 years spam in XXXX. I took all the necessary steps by contacting the IRS to advise them of the fraud and alerting the credit bureau. I file my taxes on XX/XX/XXXX and received a alert when checking the status of my return. After speaking with IRS representative I was directed to contact CBE. A representative at CBE advise me that my taxes was offset for a return that filed in XXXX. I advise the representative that I file a police report as well as contacted all necessary parties regarding the fact that I was as victim of Identity theft. CBE as a collection agency never sent me an initial demand letter advising me of my right to dispute the debt per the FDCPA and by offsetting my IRS return they are in violation of the FDCPA of collecting on a disputed debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: ONLINE Information Services, Inc.
State: OK

Complaint narrative:
I was denied at XXXX  XXXX  XXXX  in XXXX, Oklahoma ( XX/XX/XXXX ) I have XXXX children my XXXX oldest live with me, I have never been arrested in my life and Im XXXX years old, Ive never been charged with anything I dont have a criminal record at all, I have a successful career I submitted an application and was denied because they said I had been charged with a controlled substance which is false, so they gave me the numbers to call I requested my Online Information Services I just received my letter today XX/XX/XXXX, and still homeless with XXXX children because of this. I paid to see my criminal record online myself as well and it had that the charge was placed on my record at XX/XX/XXXX just added a year ago I wouldve never able to purchase a firearm, I wouldnt have the career I have and been had if this was true theres been a terrible mistake and now me and XXXX of my children are homeles, but on the consumer report it has that I got charged in XX/XX/XXXX. If I really got charged why wasnt I booked why wasnt I given a bail where is my mug shot. This is false and incorrect I need it off of my record ASAP so I can get a place to live for me and my children. Thank You XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 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: GA

Complaint narrative:
Equifax is not updating my name and address in my file. I have sent them the requested information three times. They can not find my file. My name and address is incorrect in the Equifax records. When I applied for a mortgage refinance, Equifax told the mortgage company that they had 3 files under my social security  number and they could not release information without fixing this. I called them on XX/XX/20. They told me to fax a request that they correct this by deleting the 2 incorrect files and updating the correct file and to send a copy of my social security card. I sent a the copy and letter as requested on XX/XX/20. On XX/XX/20, when I called to check on the status, they stated they never received it. I sent it a second time on XX/XX/20. On XX/XX/20, when I called to check on the status, they told me that they could not find my file. After transferring me to a different department, they found it and told me they could not update it without a copy of my drivers license. I sent it and a letter requesting that they update my file on XX/XX/20. On XX/XX/20, I received a letter from them saying they couldn't find a file for me because I didn't have a current file or I have not applied for credit recently or I have not actively used credit in the past 10 years. I have had a mortgage for the past 13 years and mortgages prior to that. I have credit cards that I use regularly. I just applied for credit in the past month. On XX/XX/20, when I called to check on the status, they said they couldn't identify me and that they had a document from me but needed a copy of my social security card, drivers license, and a letter requesting an update of my complete information stating my name, address, and phone number. And to request a copy of my current credit report. I sent the requested information on XX/XX/20. Each time I contact them, they can't find my file. Then they find it. Then they tell me I need to send them something additional.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
As previously notified, I am a victim of identity theft

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 2020-03-11 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: NV

Complaint narrative:
According to Chase Bank, they closed the account after a payroll check was deposited on XX/XX/2020. Further, they stated they were holding that check, and the amount that was in the account prior, and the savings account that was not tied to the checking account. 
The account was opened in XXXX for the purpose of direct deposit since my XXXX  job requires a bank account for direct deposit. The first check was placed in the account and Chase said it would take 3-5 days for it to be verified. Then the second paycheck came in and there was no correspondence with me, but they kept the check and closed the account. I did not realize what happened until I went to buy a car on Sunday, XX/XX/2020, and was unable to access any of my funds. 
On Monday, XX/XX/2020, I called Chase and they said it was randomly selected to verify the payroll check and they could do nothing. I went to the Chase branch at the corner of XXXX XXXX XXXX and XXXX XXXX and they apologized, XXXX ( the branch manager ), said she had no idea why it was happening and that she would take care of it on Tuesday, XX/XX/XXXX. 
Then, on Tuesday, XX/XX/XXXX, I went back to Chase and XXXX left before I arrived, XXXX, another employee said I should open another account and maybe they could put the funds in that account in another week. Meanwhile, I had a check that was sent to Chase via direct deposit and I still have no access to any of it. Also, my savings account is still locked and I have no access to it. I have had no access to any money since XX/XX/XXXX and they have offered me nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
All three credit reporting agencies show a high balance of {$9400.00} on my closed Bank of America credit card account and a credit limit of {$6500.00}. The credit limit is correct but the high balance didn't look right to me. I contacted Bank of America and they confirmed via phone that the high balance is incorrect because they only show two statements from XXXX and XXXX of XXXX, the highest balance being {$50.00}. They mailed me copies of both statements and I verified that the highest balance between both statements is {$50.00}. I filed disputes with the credit reporting agencies and they came back saying that Bank of America verified that what is on the report, including the {$9400.00} high balance, is correct. I called Bank of America again and this time they launched an investigation. I received a letter from Bank of America dated XX/XX/XXXX saying their review determined that they accurately reported to the consumer credit reporting agencies and consider my dispute resolved. It is not resolved. If they claim they're reporting accurately, then why could they only send me two statements from XXXX for this account, neither of which carries a balance greater than {$50.00}?

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