vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
To Whom It May Concern : I have recently been informed that there is negative information reported in the files you maintain. I challenge the accuracy, compliance and reportability of ALL accounts I have with you at any or all bureaus. I have sent many disputes to this company and you have FAILED to provide me any signed agreement that I have with YOUR company, Bull City Financial. This is about  proving I have a contract with YOU regarding the debt. What relationship have I agreed to with you for you to have the right to request these funds from me?

There is no valid claim, no contracts exist. You reporting that I owe you money is a grave error and you are making a false claim! I want this account removed immediately or litigation may follow. You should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy
of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay BULL CITY FINANCIAL the alleged amount that you are seeking in all accounts you have with me.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.

BULL CITY FINANCIAL must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which you can not prove that I a
m REQUIRED to pay or that i have any sort of agreement with you concerning this debt. Please be advised this is against F.C.R.A. law and is a violation of my rights.. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking { {$1000.00} } per violation for : 1. ) Defamation 2. Fraud 3. ) Violations of the Fair Credit Reporting Act.

Also please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I have not received my full credit report with score and would like my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 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 have not received my full credit report with score and would like 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 non-monetary relief
Consumer complaint received 2020-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I disputed some trade lines on my experian report.The report number is XXXXExperian sent the results to my old address ( XXXX XXXX XXXX XXXX XXXX XXXX Mi.,XXXX ) .I moved away from that address over a year ago.My new address is XXXX XXXX XXXX, XXXX MI.XXXX.This new address is on my experian report.I dont know why Experian sent my private information to my old address.Luckily,  The people at my old address contacted me.I have disputed other items in the past on XX/XX/2020 report number XXXX, and the results was mailed to my current address XXXX XXXX XXXX, XXXX MI.XXXX.Therefore, My current address is XXXX XXXX XXXX, XXXX MI. XXXX.All experian results SHALL be sent to my current address

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 2020-07-13 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: CARRINGTON MORTGAGE SERVICES, LLC
State: NC

Complaint narrative:
Carrington Mortgage is reporting that my mortgage is 2-months past due as of today. However, I have been in direct conversation with Carrington Mortgage. It was late in XXXX, but I have confirmed multiple times ( directly with Carrington ), that my mortgage account has been current ( and still is ) since XXXX. I have also contested the status of my mortgage several times with XXXX, XXXX, and XXXX XXXX ; but Carrington Mortgage continues to confirm the delinquent status to the credit bureaus. So essentially, Carrington Mortgage is telling me that my mortgage is current and has been since XXXX, but they are still reporting it as 2-months past due on my credit report. They keep saying they will fix it, but the correction never happens.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XX/XX/2020 I send a request for investigation to TransUnion. The agency responded on XX/XX/2020 the following results : XXXX XXXX XXXX XXXX XXXX. 
No Changes XXXX XXXX  No Changes XXXX  XXXX XXXX  No Changes XXXX XXXX XXXX  ( XXXX ) No Changes XXXX XXXX  No Changes XXXX XXXX XXXX Deleted. 

On XX/XX/2020, I requested an updated copy of my credit report. I noticed that the items previously disputed had NOT been removed from my credit bureau. In particular, XXXX XXXX XXXX. As of today, I am still able to see this item reflected on my credit report. 

Another issue has to do with the unverified information from XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX ( XXXX   XXXX  XXXX XXXX ). I have mailed my last request, before I file for remedies in court, on XX/XX/2020. 

Hoping that the inequities of power and access can be adequately addressed by government agencies advocating for consumers. I look forward to hearing from the corresponding agencies soon.

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 2020-07-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX my bill payment with Capital One Bank did not go through when it was on auto pay. I reached out to the company and they said they saw the payment tried to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark in my credit and the company will not help me with this unfair situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
I paid XXXX/XXXX  directly and by law, they must recall the account from Convergent Outsourcing , Inc . Therefore, Convergent Outsourcing, Inc. has no legal reason to be reporting on my credit reports and must delete.

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 2020-07-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
I have contacted Wayfairer several times regarding purchase and they have failed to explain a {$360.00} charge on my account. I was charged {$570.00} on my account for an item I purchased on XX/XX/XXXX which increased my balance from {$460.00} to {$1000.00}. The purchase was on a deferred interest promotional plan that was set to expire on XX/XX/XXXX. Since I did not pay off that item in time I was charged an additional {$130.00} in interest, which I understand. But at the same time that interest hit I was also charged an additional {$360.00} for that same item purchased on XX/XX/XXXX, and Wayfairer has not adequately or fully explained what that additional {$360.00} was for. So by XX/XX/XXXX, Wayfairer has charged me {$1000.00} for {$570.00} purchase I made on XX/XX/XXXX of XXXX. And they won't explain why. As I said, I understand the {$130.00} in interest but I urgently need I need to understand and see where I agreed to be charged and an additional {$360.00} for my XX/XX/XXXX purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Good Afternoon To whom it may concern, I am currently experiencing a difficult time due to this COVID-2019 Pandemic Crisis. I am currently located in one of the designated hot spots located in XXXX Texas ( XXXX XXXX XXXX Texas ). All five family members in my current household have been diagnosed with XXXX ( Wife, Mother in Law, XXXX kids ( XXXXyear old and XXXX year old ) ). I had recently requested a credit limit to my chase accounts ( Chase Slate 3 years & 11 Months ), Chase Amazon ( ( 3 yrs & 8 Months ), & Chase Freedom ( 4 years, 5 Months ). I have had a perfect payment history and do not have credit cards over the rule of thumb of 30 % except for my chase slate. I unfortunately got declined for this request. Right now when i most need the help they have denied my request. I am trying to raise my credit limit, to ultimately have extra spending power in case any other problems may arise. I have made 48 payments toward my chase freedom credit card, 45 payments towards my chase amazon credit card, and 47 payments towards my chase slate credit card. I reiterate that i have not missed a payment in a single card! This is so ridiculous and not fair at all to any consumers going through this. I cant believe that Chase Bank ( JP Morgan ) do not have a way to attest my decision on my credit limit decline. A XXXX XXXX XXXX bank, does not have this! Inexcusable and i hope this gets sent to the CEO of JP Morgan, and he can read this complaint. It will be the last time i use any of the services of Chase Bank Again. If you need for anything please give me a call. One last thing, the  individual that helped me was ( XXXX from Missouri ), she wasn't even able to give me her last name as per company guidelines. I am very disappointed and furious! I hope to hear soon, and i hope this gets publish so that other consumers may not go through this distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXXXXXX XXXX is reporting that my mortgage is 2-months past due as of today. However, I have been in direct conversation with XXXX XXXX. It was late in XXXX, but I have confirmed multiple times ( directly with XXXX ), that my mortgage account has been current ( and still is ) since XXXX. I have also contested the status of my mortgage several times with XXXX XXXX, and Trans Union ; but XXXX XXXX continues to confirm the delinquent status to the credit bureaus. So essentially, XXXX XXXX is telling me that my mortgage is current and has been since XXXX, but they are still reporting it as XXXX past due on my credit report. They keep saying they will fix it, but the correction never happens.

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 2020-07-13 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: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXXXXXX XXXX is reporting that my mortgage is 2-months past due as of today. However, I have been in direct conversation with XXXXXXXX XXXX. It was late in XXXX, but I have confirmed multiple times ( directly with XXXX ), that my mortgage account has been current ( and still is ) since XXXX. I have also contested the status of my mortgage several times with Equifax, XXXX, and XXXX XXXX ; but XXXXXXXX XXXX continues to confirm the delinquent status to the credit bureaus. So essentially, XXXXXXXX XXXX is telling me that my mortgage is current and has been since XXXX, but they are still reporting it as 2-months past due on my credit report. They keep saying they will fix it, but the correction never happens.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXXXXXX XXXX is reporting that my mortgage is 2-months past due as of today. However, I have been in direct conversation with XXXX XXXX. It was late in XXXX, but I have confirmed multiple times ( directly with XXXX XXXX, that my mortgage account has been current ( and still is ) since XXXX. I have also contested the status of my mortgage several times with XXXX, Experian, and XXXX XXXX ; but XXXX XXXX continues to confirm the delinquent status to the credit bureaus. So essentially, XXXXXXXX XXXX is telling me that my mortgage is current and has been since XXXX, but they are still reporting it as 2-months past due on my credit report. They keep saying they will fix it, but the correction never happens.

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 2020-07-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I used Home Depot Store 's credit card to buy an item at the store, and I didn't receive the statement ; however, the next time that I was in the store, I paid for what I had bought. I then received the statement. I called up their credit service department and advised them that I had already paid the bill. I was told that my payment was a couple of days late. The new statement was for the late fees {$38.00}. I told them that the fees were more than the item I bought ( {$34.00} ), and the late fees needed to be removed. I was told that it couldn't be done, so I told them to close the account. 
As of today date ( XX/XX/2020 ), they continue to add late fees plus interests on top of late fees. 
They also reported to the credits bureaus. My credit score has been negative impacted.

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 2020-07-13 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY 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 explanation
Consumer complaint received 2020-07-13 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 — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: TN

Complaint narrative:
My husband recently downloaded a budgeting app and when he entered my Discover Credit Card, he saw a charge for Payment Protection Plan. Since I usually just pay online and avoid reviewing individual transactions, I had never noticed the charge. The most recent charge on XX/XX/XXXX was {$83.00}. We called in and find out I have been enrolled in this Plan since XXXX of XXXX. I could not believe it. I opened the account as a college student and I distinctly remember agreeing to a monthly Wallet Protection for {$3.00} a month, which I have taken advantage of in the past, but never a Payment Protection Plan. I remember pondering whether or not to agree to the {$3.00} Wallet charge because I was a working college student and was careful of every dollar in and out. The manager on the phone said the Payment Protection Plan began on XX/XX/XXXX, and was opened based on a call at XXXX XXXX   on XX/XX/XXXX, a Thursday Night. There is no chance I made that call, and I know I never agreed to this plan. I asked the manager if there was any proof written or any recording of a call where I agreed, and he couldnt come up with anything. He just said the best he could do is cancel the plan and refund us the past 6 months, that would equal {$460.00}!! We looked online and could only go as far back as XX/XX/XXXX, he is mailing us our statements back to XXXX, but each month since XX/XX/XXXX I have been charged $ XXXX {$100.00}! This charge each month has affected me in more ways in my life than just having a high card balance. We researched and found over XXXX XXXX consumers have been affected by this same tactic by Discover Bank. I feel insulted at the offer of {$460.00}, and I believe I am owed a full refund for the total amount I was charged without my knowledge or consent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-13 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: AZ

Complaint narrative:
I have been 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 2020-07-13 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: NY

Complaint narrative:
there was a charge {$25.00} for XXXX that i made on my account on XX/XX/2020 and this charge is Valid not Fraud the dispute was open by mistake and never shouldve been open. 

this charge was made by XXXX XXXX XXXX and its not fraudulent please cancel dispute i contacted capital one fraud department and unfortunately they are unable to cancel this dispute for this payment

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
XX/XX/2020 XXXX XXXX. Collection company portfolio recovery called my job and i let them know that they should not be calling my job XX/XX/2020 XXXX XXXX   collection company Portfolio recovery called my work number and i asked them again to not call my work number XX/XX/2020 XXXX XXXX Let the collection company to stop calling my work number and i let them know that they previously called this number and not to call anymore

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-13 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY 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 explanation