vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-14 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: Freedom Mortgage Company
State: MA

Complaint narrative:
I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 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: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
This company randomly modified my credit account as open and currently late on payments from an account I am no longer associated with after 6 yrs. After trying to resolve this issue also with transunion they updated my credit report with more outdated information. This account is closed as should reflected as such on my report I have been a victim of TransUnion and Credit Acceptance this issue needs to be fixed. They think they can put whatever they want on your report true or not. I will no longer be a victim and I am filing a complaint with every agency available until I get satisfactory results. Period. XXXX XXXX XX/XX/20

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 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: MI

Complaint narrative:
This company randomly modified my credit account as open and currently late on payments from an account I am no longer associated with after 6 yrs. After trying to resolve this issue also with transunion they updated my credit report with more outdated information. This account is closed as should reflected as such on my report I have been a victim of TransUnion and XXXX XXXX this issue needs to be fixed. They think they can put whatever they want on your report true or not. I will no longer be a victim and I am filing a complaint with every agency available until I get satisfactory results. Period. XXXX XXXX XX/XX/20

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 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: NV

Complaint narrative:
TransUnion is reporting account number and original balance wrong in this account ( XXXX XXXX XXXX ) Please this information needs to be corrected or removed from my 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 2020-07-14 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Consumer Portfolio Services, Inc.
State: MI

Complaint narrative:
I requested a full history of my payment since i brought the car. I don't understand the interest, principle and how its working. I spoke to someone over the phone a few months ago and they were trying to make sense of it to me. I still wasn't understanding the calculation. I went into the dealership where i brought the car and they looked at the information i had and said they could not figure out how the company is computing the amounts

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 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: NV

Complaint narrative:
Equifax is reporting account number and creditor name in this account wrong ( XXXX XXXX XXXX XXXX ) Please correct this information or removed the account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Hello, I had my mortgage payment set up as a automatic payment with my online banking as a Bill pay. for some how, last month It did not go trough and, I was not aware about it. Chase system payment was down and did not make the payment. 

I found out a month later. when I received a letter from chase stated that I missed a payment. I called the chase customer service to find out what happened and I was told that my automatic 's payment didn't go tru. CHASE bank accepted that it was a system issues and I was able to pay the mortgage and they provided me a confirmation number # XXXX.however, they did reported to my credit and I was told that even it was a system ERROR they won't reported to my credit. 

Now my credit dropped to XXXX points and I would like to have this fix as soon as possible. FYI I never miss a payment

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 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: CONDOR CAPITAL CORP
State: MA

Complaint narrative:
How are you doing? Can you please help me? During this Covid-19 I been reviewing my credit report, and I was shocked when I reviewed my credit report and found late payment on the dates below XX/XX/2014 for 30 days late. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report. 

CONDOR CAPTL XX/XX/2014 2014

Company response to consumer: Untimely response
Consumer complaint received 2020-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Around XX/XX/XXXX, I called in to my bank to report a transaction from a company I recognized and had previously had business with, but no longer did and did not authorize the transaction. The transaction was still pending, so i could not dispute it at the time And I informed the rep I would call back to do so. I placed the Company on fraud alert the same day. But my debit card was not cancelled, being as though I couldnt dispute the transaction as of yet, I wanted to hold on to my only source of access to my money during this pandemic. On XX/XX/XXXX, I received a fraud alert text asking did u authorize a transaction in the amount of {$1400.00} from said company ( XXXX XXXX XXXX ), Mistakenly, I read the text as FRAUD ALERT so I immediately replied yes when I saw the companies name, then I actually read the text in the same moment and I replied no right away, I did not authorize the transaction. On XX/XX/XXXX the company XXXX XXXX XXXX withdrew {$3300.00} from my checking account, although I only had {$600.00} and change available. This made my account negative {$2700.00}. I called my bank to dispute it, however the company sent a fraudulent receipt claiming the charges were accurate. I sent my bank the receipt the company provided me, and I was told that my receipt wasnt Sufficient, although It was the only document XXXX provided me with. I called back multiple times after to dispute the rejection of my claim and it was denied 2 more times. I tried disputing this directly with XXXX to no avail, I even made a direct complaint against capital one. My checking account is under auto decline which I have proof of meaning no transactions are allowed if the funds arent available on top of the fact that I already placed this company on fraud alert for fraudulent activity a week prior to this incident. Capital one still allowed this company to withdraw funds and put my account in a negative standing, and did nothing to help me resolve the issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
Reference number- XXXX I have money that was taken out my account and this company said they performed an investigation and did not do a full investigation as i got money stolen and filed a police report. They have not officially credited my account after providing them with this information. i have been with this bank for over 20 years and never had such issue. My money should be protected and it is not by this bank

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 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: OH

Complaint narrative:
Recently while conducting a monitor of my credit report I discovered items that have unverifiedinformation. I am a victim of identity theft and section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623,  subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my 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 2020-07-14 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: NJ

Complaint narrative:
Capital One Issues Outline 1 ) On XX/XX/2020, a transaction was made on my credit card for {$200.00} at an ATM in XXXX XXXX at XXXX XXXX. This transaction was fraudulent and not made by me or anyone associated with me. 
2 ) On XX/XX/2020, a credit in the amount of {$1500.00} was applied to my credit card account. This transaction was fraudulent and not made by me or anyone associated with me. The source of the funds was from Valley National Bank where I have never had an account. 
3 ) On XX/XX/2020, I reported both of these transactions to Capital One, cancelled my card and changed my user ID and password. They also sent me a new card. 
4 ) On XX/XX/2020, Capital One reversed both transactions and indicated that the debit would be investigated with the fraud department. 
5 ) On XX/XX/2020, Capital One mailed me a letter that the fraud investigation was complete and that there was no evidence of fraud. When I called for an explanation, the representative said that it had to be me because it was from the chip on my card. 
6 ) In the time after this, I followed up with XXXX XXXX to see what needed to be done to get the evidence from the ATM ( both physical and visual ) and they indicated I needed to file a police report. After checking with the local authorities as to proper process, I filed a report with the XXXX Police on XX/XX/2020. After many follow up emails and calls, it seemed like the process for getting a subpoena was finally started around XX/XX/XXXX. 
7 ) On XX/XX/XXXX, Capital notified me by email that a payment of {$1500.00} had been returned and directly correlated it the same transaction of XX/XX/XXXX earlier in the year. They debited my credit card for that amount, which put it over the limit. I called Capital One to let them know that this occurred and after having gone through multiple representatives, I finally got them to understand that someone in their back office had made a mistake. 
8 ) The repercussions of this was that I then received 3 letters from Capital One on XX/XX/XXXX letting me know that this account, another personal account and one business account were being closed due to this last payment being returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
i was suppose to receive a credit on my account for this returned item for a company my bank and the company agreed to the credit and then they took the money right back out my account i have spoken with many reps gave several documents and they keep telling me to go to my bank i have and they will not return my funds and have my account in a negative. i have bank with them for 15 years and never had this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 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: OH

Complaint narrative:
Recently while conducting a monitor of my credit report I discovered items that have unverifiedinformation. I am a victim of identity theft and section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 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: OH

Complaint narrative:
Recently while conducting a monitor of my credit report I discovered items that have unverifiedinformation. I am a victim of identity theft and section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623,  subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my 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 2020-07-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have a Inquiry on my trans union credit report from XXXX dated XX/XX/2019 that I do not recognized I called trans union asking to research the dispute and they refuse to looking into the dispute and told me to get a letter of deletion from the creditor.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 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: OH

Complaint narrative:
Recently while conducting a monitor of my credit report I discovered items that have unverifiedinformation. I am a victim of identity theft and section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my 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 2020-07-14 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: OH

Complaint narrative:
Recently while conducting a monitor of my credit report I discovered items that have unverifiedinformation. I am a victim of identity theft and section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my  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 2020-07-14 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: OH

Complaint narrative:
Recently while conducting a monitor of my credit report I discovered items that have unverifiedinformation. I am a victim of identity theft and section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my 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 2020-07-14 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: FL

Complaint narrative:
I applied for credit and became aware of a medical collection account on my credit report and was denied credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
PNC account won't link to XXXX XXXX 's XXXX account so that I can pay my rent. Error message keeps coming up about connectivity issues with the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 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: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
Over a month ago I called XXXX customer service to settle my account. A payment was recieve and said that the status of my account will change. To this day my account is still closed and derogatory with the same balance. No action has been taken and they are still reporting wrong information. I asked that this account gets deleted from my credit report.

Company response to consumer: Closed with explanation