vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I purchased a push-mower from XXXX 's ( XXXX XX/XX/XXXX, {$210.00} ). 

XXXX STRAIGHT OUT OF THE BOX -- The mower pull-cord would NOT extend. XXXX XXXX 's agreed to pick up the mower, XXXX XX/XX/XXXX, yet did NOT do so. 

I filed a dispute with Capital One ( Case Number XXXX ), submitted documentation ( twice ), have spoken with ( far too many ) CSRs, and burned up $ XXXX of XXXX not a smart ) phone airtime. 

XXXX XX/XX/XXXX, " XXXX '' acknowledged receipt of my " compelling evidence '', stated that " your documentations are valid ''. " XXXX '' ( Supervisor, Fraud and  Disputes ) assured me " we're against the merchant, [ you have ] the strongest case possible, [ Capital One ] can validate your claim ... we just need your patience. '' XXXX XX/XX/XXXX, " XXXX '' informed me that the dispute was closed XXXX XXXX XX/XX/XXXX ) and stated " [ your ] evidence is lacking ''. " XXXX '' ( Dispute Manager ) instructed me to " get a second opinion. '' I hung up on her.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Chime Financial Inc
State: GA

Complaint narrative:
I received an email from Chime stating that I received a card and I never did and when I reached out to them they refused to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 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: IL

Complaint narrative:
I have submitted multiple complaints and have even gotten the dealership involved at this point. I have read multiple complaints via the XXXX  and I know I'm not the only person XXXX  has taken advantage of recently. One credit agency has seen through XXXX  faulty claims and has corrected my credit file. The other two need to as well or I have no problem getting my lawyer involved. I have previously included multiple documents. I am including what is new at this point. 


I ended my lease early because the dealership wanted my car back. The dealership agreed to pay the amount left on the lease. They didnt do so in a timely manner. Payment was due in XX/XX/2020, the dealership didn't pay it until XX/XX/2020. They DID pay it after numerous attempts on my part. My credit should not have taken such a terrible hit due to their late payment. XXXX has been sent a letter from the dealership themselves stating that this was in NO way, shape or form my responsibility or my fault. I no longer had the car and had signed over everything to the dealership in XXXX. I am including a document that states the dealership was supposed to pay in full what was owed as well as a letter from the dealership stating that it was entirely their fault. 
XXXX also falsely claimed they weren't sending late payments to credit agencies during this Covid 19 pandemic. So even if this were my fault, they have fully taken advantage of covid 19 to hurt a lot of peoples credit. It is a terrible business decision on their part and one that will result in numerous lawsuits.

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 2020-10-13 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: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I do NOT have an account with this company. These people are trying to make me pay money that I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 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: GreenSky, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX, I paid off my entire balance with Green Sky. The payment of {$2600.00} was posted and my balance was changed to XXXX in XXXX, I looked at my credit report and it stated my balance was XXXX and I was past due. On XXXX, XX/XX/XXXX, XXXX, XXXX, I have submitted disputes online with XXXX  and uploaded bank statements showing the account was paid, Green Sky statements showing a XXXX  balance and a letter from Green Sky stating the balance is XXXX  and closed in XX/XX/XXXX. All 4 disputes have come back stating Green Sky is confirming the balance of XXXX as valid and past due. I have spoken with Green Sky every time and they confirmed they report the true correct balance of XXXX  and last did so in XXXX. I have talked to XXXX  5 times including managers and they state there is no human that can read the uploaded documents and adjust my credit report. The bottom line is I paid the balance in full on XX/XX/XXXX and closed the account a few weeks later. XXXX  has all the documents and refuses to help. They won't even let me speak to a manager today, literally hung up on me 3 times. I really need help, this debt is hurting my credit. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have freeze on my account. I am unable to open any new accounts like a checking account, saving, credit, and car financing. 
Please help me fix this. 
I need to start my life and saving for my family. 
My name XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have freeze on my account. I am unable to open any new accounts like a checking account, saving, credit, and car financing. 
Please help me fix this. 
I need to start my life and saving for my family. 
My name 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 2020-10-13 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
My 2 Visa credit cards with BBT were stolen when I was in the hospital with the Covid virus. I called BBT 's customer phone line and their dispute phone number and they have not responded to my disputes with charges that were not mine. They sent me new credit cards and they reversed small charges but they did not address the large fraudulent transfers that were made, They seemed very disorganized and I a ma getting nowhere with them by phone. I sent them a Certified letter and I am complaining to you, This involves 2 Visa credit cards as follows : XXXX and 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 2020-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I subscribe to Experian XXXX credit monitoring service and pay approximately {$25.00} per month for this service. 

Part of this service allows for subscribers to see information in order to see if a dispute is warranted. Part of the information available is soft inquiries on one 's credit reports. One can view the inquiries along with other data and decide whether or not a dispute is called for. I generally view these soft inquiries and then find no need for a dispute. I feel soft inquiries are important data that one should have access to. 

Lately, though, Experian refuses me access to the initial dispute process to see these soft inquiries. For the past month they claim there's a " technical error ''. This is a lie. They have removed my ability to use the entire service that I pay for. They refuse to explain why and only lie about a system error.

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 2020-10-13 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: Navient Solutions, LLC.
State: CA

Complaint narrative:
My ex husband used my information to get his school loan before we divorced in XXXX, XXXX with company name 'NAVIENT '. 

He filled out electronic loan papers and used my identity. He put his 2nd email address and his cell phone with my information as cosigner. 

After 10 years these loans are showing up on my credit report and ruined my score because he is not on top of making payments. 

I talked to NAVIENT numerous times with police report for fraud too. 

1. Loan # XXXX Original loan amount {$13000.00} current amount over {$28000.00} Opened XX/XX/XXXX 2. Loan # XXXX Original loan amount {$10000.00} current amount over {$16000.00} XXXX XXXX All I want NAVINET takes my name off these loans. 

My sign was not notarized for these loan. All done under electronically.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: SIMM Associates, Inc.
State: MD

Complaint narrative:
XX/XX/2020 simm associates they called me and threaten me over an alleged debt collection case against me and threaten me to legal action and constantly calling me and harassing me and refuse to let me speak to a supervisor about the complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 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: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
This is a complaint about incorrect Foreclosure Starting ( FS ) and a Negative ( N ) mark on my XXXX   Credit Report for XX/XX/2020. 

This is reported By Specialized Loan Servicing XXXX SLS. net my previous mortgage company. 

In 2020 I was in forbearance from XX/XX/2020 - XX/XX/2020 On XX/XX/2020 I paid off SLS in full and the account was closed. This date is Prior to the end of the forbearance. 

Subsequently, after the account was closed, SLS started forclosure on the properts according to a marking on my credit report, dating XX/XX/2020 when the account was already closed and in good standing. 

I have contacted SLS and they said there was an error and there is no foreclosure, that the account is good and closed, and they would fix the problem. 

To no avail, XXXX  has been disputing the error as well and it keeps being bounced back with no correction to the negative mark on an account that has been closed. 

Sincerely 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 2020-10-13 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: GA

Complaint narrative:
I mailed in dispute letters to all three credit agencies to investigate and delete incorrect information on my credit reports. There were several accounts that were either incorrect or not mine. The letters were submitted to the credit agencies on XX/XX/2020. It has now been 30 days and I have not been updated with the results of my disputes.

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 2020-10-13 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: GA

Complaint narrative:
I mailed in dispute letters to all three credit agencies to investigate and delete incorrect information on my credit reports. There were several accounts that were either incorrect or not mine. The letters were submitted to the credit agencies on XX/XX/2020. It has now been 30 days and I have not been updated with the results of my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 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: Navient Solutions, LLC.
State: TX

Complaint narrative:
Navient is showing that my student loan is days past due when payments are being made monthly. They are also not updating my credit status, causing it to keep looking like I have not made a payment on my loan for significant periods of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 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: NJ

Complaint narrative:
I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FRCA-they are required to " ... promptly delete all information which can not be verified '' that I have disputed. 
Please resolve this matter as soon as possible. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 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: VA

Complaint narrative:
Responding to XXXX XXXX XXXX saying that they didn't need my signature. Well I just got off the phone with the Federal Trade Commission and Attorney General 's Office about this matter. That XXXX XXXX XXXX ( XXXX ) who just sent me attachment of itemize bill statement. They stated that doesn't was not the truth that is why they said this month. FTC, State and Federal Law Enforcement Partners Announce Nationwide Crackdown on Phantom and Abusive Debt Collection Companies. Told me to keep them inform. They said according to the following : 1 ) Fair Credit Reporting Act, Section 609 ( a ) ( 1 ), you are required by federal law to verify, through the phyiscal verification of the original signed consumer contract- any accounts you post on a credit report. Otherwise, anyone paying to the CRA could fax, mail or email in a fraudulent account. ( So, they said your reply was not truth you are in non-compliance ). 
This was stated to me by a FTC lawyer that if you continue in non-compliance to remind you of as in XXXX XXXX XXXX XXXX XXXX, XXXX ( C.D.Cal. Nov. 14, 1995 ). 
2 ) According to pursant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that claim is disputed and validation is requested. You must provide the following : 1 ) What the money you say I owe is for ; 2 ) Explain and show me how you calculated what you say I owe ; 3 ) Provide me with copies of any papers that show I agreed to pay what you say I owe ; competent evidence bearing mysignature 4 ) Provide a verification or copy of any judgment if applicable ; 5 ) Identify the original creditor ; 6 ) Prove the Statute of Limitations has not expired on this account 7 ) Show me that you are licensed to collect in my state 8 ) Provide me with your license numbers and Registered Agent At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus ( XXXX, Experian or XXXX ) this action might constitute fraud under both  Federal and State Laws. 
ALL NOTE THAT ACCORDING : As per FTC letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verifcation to pay the alleged amount. 
I am also attaching a letter that I am sending by cerified mail to you guys. I am maintain a careful record of all my communications for the purpose of seeking damage.

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 2020-10-13 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
THE COMPLAINT WAS SENT BY ME. YOU ARE COMPLETE SCUMBAGS AND YUR ACTIONS ARE TRANSPARENT. I SENT THE COMPLAINT. YOU DID NOT INVESTIGATE UNTIL AFTER THE 30 DAYS. YOU THEREFORE MUST DELETE THE DISPUTED ITEMS. THAT'S THE LAW,

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 2020-10-13 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/2020 at XXXX I woke up to finding out my card was closed by Bank of America . 
I was told by an employee that it had to do with the state and that I had to get into contact with them. I finally manage to get in contact with my unemployment center a week later after countless calls everyday for a week. The person I spoke to at unemployment said that they did not close the account and case and point I am still able to collect. Bank of America has refused to re open my account as they insist its on the states part. They also refuse to give me my money back. Over 5,000 $ is in my account and because of this I was not able to pay my bills, my rent, etc.

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 2020-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
THE ACCOUNTS/INQUIRES LISTED DO NOT BELONG TO ME THESE ACCOUNTS ARE FRAUDULENT SOMEONE USE MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-10-13 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: Harvard Collections, LLC
State: DC

Complaint narrative:
Harvard Collection Services LLC came unto my credit report. Never received a validation letter. Company is fraud and I called the originator and they do not show me owing anything. XXXX  has had over 95 complaints. 

46 Complaints Show Sort By Complaint Type : Billing/Collection Issues Status : Answered XX/XX/2020 I went to check my credit report and theres an account from Harvard Collection Services. I never received any notice from them and have never heard of them. I have really good credit because I pay my bills on time. Well, I had really good credit. That account that was reported to the credit bureau dropped my credit score by 60 points. I have no idea what this business is and never heard anything about or received anything from them. Im requesting they remove this account from all credit reporting agencies. 
Response XX/XX/2020 Re : Case # ******** ***, XXXX We appreciate the opportunity to respond to any issue a consumer may have with Harvard Collection Services. 

Upon investigation we found that account at issue was assigned to our office by our client on XX/XX/2020 in the name of XXXX, XXXX. Our records do not indicate any prior contact with the consumer. 

Upon receipt of the complaint the account has been submitted for credit deletion and the collection activity has been ceased. Additionally, we have requested the itemized bill from the client. Once received we will send it to consumers mailing address for validation of the debt. 

If we can be of further assistance, please feel free to contact us at # # # - # # # - # # # #. 

Sincerely, Harvard Collections Services

Company response to consumer: Closed with explanation