vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I did set up my account on XX/XX/2020 as an automatics payment. They sent me a confirmation email. The reason why I didn't that is because I was traveling a lot for a camping site where I didn't have internet all the time. So in XXXX a got an email from XXXX saying that my credit decreased and that I had late payment. I got in chock. I have been control all my account for my passed 4 year because I'm looking to buy a house. And I haven't delay any payment. I do have money on my bank account so I didn't need to delay any payment. I tried to contact the XXXX XXXX and they told me that the account number I added to be the automatics payment were wrong. I asked them why they didn't call me, sent an email or mail telling me that the payment didn't went thru. They told wasn't they job to check on that. They stopped to sent email after the day I set up my account for XXXX. After all the conclusion that they couldn't help me I paid off my car and I don't want to have an account with them anymore in my life. But the 2 late payment in my credit report is blocking me to get a better mortgage. All my account are setting up automatic payment. The only one wasn't made my credit report bad.

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 2021-02-11 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXX Account has been charged off longer than 7 years and should be removed.

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 2021-02-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
This account had no record that ever belonged to me with these authorities/leasers. I tried to contact them several times and ask for proof of ownership that I really own this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The record on my credit report with Experian is incorrect. 
The detail is : Reporting Company : Experian Report Number : XXXX Information providing company Name : XXXX Company Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Department Phone No : ( XXXX ) XXXX Problem and inaccurate information : Shows account closed. Inaccurate information is hurting my credit. The following inaccurately furnished information is maintained by Experian must immediately be corrected in their record : 1. Experian Report Number : XXXX I have NEVER OPENED any credit card account with XXXX at all. It shows account in CLOSED status. Please remove this items immediately from my credit account. 


2. The Experian also maintaining inaccurately reported address - a post office address XXXX XXXX XXXX XXXX, GA XXXX I do not and have never lived at the post office address. Experian did not remove this inaccurate information. 

There is no report number listed for the above post office address. 


3. My name is also reported incorrectly - Experian did not remove this inaccurate information. I had sent Experian copy of ID issued by Government, and W2, Utilities bills with my name on them : Name ID # XXXX Report Number XXXX XXXX XXXX XXXX Name ID # XXXX Report Number XXXX XXXX XXXX Above inaccurately reported name must be removed 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 2021-02-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P.
State: TX

Complaint narrative:
I do not have record of this account that ever belonged to me. I've requested on various occasions to send verification from proprietorship however they haven't agreed to my solicitation yet.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 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: Sequium Asset Solutions, LLC
State: MI

Complaint narrative:
On XX/XX/2020, Sequium Asset Solutions added a derogatory mark on my credit report on XXXX XXXX. Upon further research this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also there was no written form of communication, contact, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA Sequium Asset Solutions has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I have made effort after effort to contact Equifax ( via phone and mail ) regarding the incorrect information reporting. I have sent letter after letter, the most recent being XX/XX/04, certified, in which NONE of them have responded to. Please see attached. The information that is reporting is incorrect and has shattered my dream of home ownership. Please see attached documents. I have attached my phone records, the letter that was sent and receipt from the USPS of tracking info with the dates received. 


I AM FILING THIS ON MY BEHALF, I DO NOT HAVE ANYONE OR ANY CREDIT REPAIR CCOMPANY HELPING ME! THIS IS THE THIRD COMPLAINT!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have wrote your company several times. I'm not sure if you are getting my letters are not. I would like my credit report properly investigates. I have took a look at my credit report and carefully went through each account. I want to know did you properly investigate these accounts. Some of these accounts report that how I was making on time payments one month then the next month it says 120 days late. The payment history is reporting inaccurate. the date of last active date I have circled and noted for you that its inconsistent

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: ROBINHOOD MARKETS INC.
State: GA

Complaint narrative:
In Spring XXXX I opened a Robinhood Account, having heard about it for a few years, I felt they were credible. In XX/XX/XXXX, I tried to log in to my account with my correct password and the system kept saying it was incorrect. I changed my password easily on XXXX XXXX, XXXX, I was able to log in and conduct business with the new login. On, XXXX XXXX, XXXX, when I tried to log in I could not get in and had to reset the password, AGAIN. On XX/XX/XXXX I requested to change my password again to access my account. After changing my password, I was told I had to submit the SMS that was sent to me. I never put my cellphone on the account. Robinhood then sent a message stating they needed a copy of my I. D. to verify this was my account. I declined as I did not need an I.d . to open the account. ( Case ID XXXX ) I again tried to change my password on XXXX XXXX, XXXX-Case I.D . XXXX. They stated they will be in touch in 3 days, I have not had any assistance. I again emailed support as they are advising others on their social media pages and no one has answered. 

All the while an EFT is still being withdrawn from my banking account. I personally believe the company has been hijacked, as I have never had an issue with them before. The need to be more truthful and transparent. 
I just want to close the account and move on. There are hundreds of people in the same boat, If they have closed shop-just give us our money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 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: FISERV FINXACT CORE
State: WA

Complaint narrative:
Telecheck charged my account twice. I contacted them and sent proof that they did. I also file a XXXX  complaint against them. I was informed today that they investigated, did not have sufficient proof they had charged my account in error and had closed the investigation. 
The proof I sent them was the XXXX bank statement showing the check clearing the first time, and a " ministatement '' from the bank showing the check clearing again in XXXX. Perhaps they didn't accept the " ministatement '' I don't know. 
They also charged my bank an XXXX  fee in XXXX for XXXX dollars. 
I received a new case number today XXXX. 

I am submitting to you the information that was faxed again to Telecheck today. The person who faxed for me circled the items in question on the bank statements before faxing. That is the check for {$300.00} that cleared XX/XX/XXXX, the check that cleared XX/XX/XXXX for {$300.00} and the NSF fee of {$30.00} charged on XX/XX/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 monetary relief
Consumer complaint received 2021-02-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I signed up for XXXX XXXX and it is showing me all my hard inquiries. I have never applied for a capitol one card or went to a car lot to get a car in my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have been trying to repair my credit ... I was struggling with debt after a divorce and was trying to get my credit back. I had been working with a CCC to settle my debt. They did not.explain that they would first XXXX out cards and make me seriously late before they settled ... and now I pay Equifax to help me monitor my credit and it shows me it is XXXX and I have them to send it to my back for a home loan and they send them XXXX. I NEED XXXX to get my builders loan to build my home ... and now I am 54 points below where I need to be ..because I was being told by Equifax and XXXX that I had a score of XXXX and it is really XXXX. I HAVE A SNAP SHOT SHOWING WHAT IT IS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
On XX/XX/2021 they called my young Daughters phone about my debt. I promptly told them to call me onmy cell phone. I called them back from my number and I promptly told them do not call my daughters phone again. They assured me that they had removed her number from their records. They also told me they would file a lawsuit against me and could Garnish my wages. Well the very next day they called my daughters phone again and left a message for me to call them. Even after assuring me the previous day that they had removed her number from their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
I was never notified that my account was going to collections. I could have paid the account in full before going to collections. This is unfair practices and unprofessional. I paid the debt owed in full and should not have been charged collection fee if I was not notified.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have wrote your company several times. I'm not sure if you are getting my letters are not. I would like my credit report properly investigates. I have took a look at my credit report and carefully went through each account. I want to know did you properly investigate these accounts. Some of these accounts report that how I was making on time payments one month then the next month it says 120 days late. The payment history is reporting inaccurate. the date of last active date I have circled and noted for you that its inconsistent

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 2021-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The law states under 15 USC 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( I ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit. Congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below.

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 2021-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I have been in contact with Bank of America about my business account in reference to a merchant who has been billing my account unauthorized since XX/XX/XXXX claim # XXXX along with claim # XXXX for the month of XXXX leading into XX/XX/XXXX. XX/XX/XXXX I noticed my online mobile banking app account was locked and communicated to Bank of America and upon speaking with them they told me that they had decided to close my account and did not give me full disclosure as to why my account has been terminated, they then proceeded to inform me that I will not be able to withdraw all of my assets from my account. XX/XX/XXXX I received a letter stating that Bank of America may report the decision as to why Bank of America is closing my account and it may affect my ability to open other accounts with financial institutions for up to five years. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX earlywarning.com/consumer XXXX XXXX XXXX XXXX. 
Attn : Consumer Relations XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX, CEO Bank of America Corporate Center XXXX XXXX XXXX XXXX XXXX, NC 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 2021-02-11 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: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
I have a debt owed to XXXX XXXX. The problem is 2 separate collection agencies are reporting that they own the debt and I currently have 2 negative reports on my credit. I have disputed both charges between XXXX XXXX XXXX as well as midland funding. They both claim to own this one debt, have added on fees and are trying to collect on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I got a loan with Santander in 2015. I have already started defaulting within the year. I had to have my mom borrow and myself be the co-signer because she didnt make enough money and my credit wasnt good enough. I have struggled for years to pay this car. They have only helped with deferrals when absolutely necessary, even during XXXX XXXX. Their representatives have lied to me, and after going through health issues, including XXXX, I asked them for a a deferral and they said they couldnt that they would try to modify my loan. They never got back with me on that and said they didnt know what I was talking about. They repossessed my car today and are trying to charge me XXXX dollars to get it out. This is the first time this has happened. No one is willing to help me. I am quite sure I am included in their class action lawsuit. I was 94 days past due, with 4 payments due and XXXX and some change in late fees. They towed my car over 3 hours away and I cant retrieve my personal belongings. This is absolutely absurd. I demand Santander give me back my car that Ive paid XXXX on already and still owe XXXX somehow and call it even. These people are crooks and thieves and prey on the poor. They have never helped me! I want my car back and I want the payments to disappear. I have paid enough!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Razor Capital, LLC
State: GA

Complaint narrative:
XX/XX/XXXX I requested a {$1200.00} payday advance against my direct deposit from XXXX XXXX XXXX XXXX in XXXX , GA. When my paycheck deposited, it was not enough to cover the amount and I was also facing eviction. The bank took monies that were available at that time, and I was to pay the balance. 
Subsequently, Spring XXXX, I was notified to appear in XXXX County court for the remaining balance, which was aprox {$1200.00} with court cost and filing fees. I was contacted by the XXXX XXXX representative to set up my direct payment arrangement. Shortly after I was contacted and informed that I would receive information regarding my payday loan, as XXXX XXXX was not authorized to perform payday lending in Georgia. 

Until i received a letter ( attached ) on XX/XX/XXXX did I recall this situation, nor received any follow communication since XXXX. It has not been appearing on my credit files, but I've been notified of garnishment notice sent to my employer in the amount of {$1800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
Kia Motor Finance presented our check for {$12000.00} on XX/XX/XXXX - full settlement of the lease pay-off amount. We still haven't received the title. I have repeatedly called, contacted them via their secure messaging system and still haven't seen the title. Or a bill of sale showing the amount paid and itemising the tax.

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 2021-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have made effort after effort to contact Experian ( via phone and mail ) regarding the incorrect information reporting. I have sent letter after letter, the most recent being XX/XX/04, certified, in which NONE of them have responded to. Please see attached. The information that is reporting is incorrect and has shattered my dream of home ownership. Please see attached documents. I have attached my phone records, the letter that was sent and receipt from the USPS of tracking info with the dates received.

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