vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CBE Group, Inc.
State: TX

Complaint narrative:
A few weeks ago I noticed a new entry of a Collection account on my Credit Report ( CR ) via XXXX XXXX XXXX online platform. The new entry was from CBE GROUP collection amount = {$900.00}. I was able to dispute this new entry with XXXX Credit Bureau, however, in their Account Dispute they did an Update, and the new entry remained on my CR. I intuitively knew something was wrong when XXXX left the fraudulent entry intact, I then decided to check my profile with XXXX to make sure my information was correct and accurate -- -it was there I discovered that CBE had provided an erroneous address to XXXX and the other Credit Bureaus such as XXXX and XXXX  . The erroneous address is XXXX XXXX XXXX XXXX, TX. XXXX Please note, I have never lived there or have ever visited XXXX, Texas in all of my life. Therefore, it is plain as the nose on a face that this CBE collection claim is fraudulent. They claim to have my correct name and social security number, but the account is fraudulent as I do not owe the original creditor, XXXX XXXX any monies. Indeed, I have maintained a XXXX XXXX with XXXX for the past 15 years, and said account is in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Chime Financial Inc
State: WA

Complaint narrative:
I received an email from Chime indicating that I had opened an account. I did not. I received another email stating that my account balance was getting low. The next day I got another email saying my new card was on the way. I sent an email to the customer service email letting them know I did not open an account, and that they needed to close this right away. I did get emails back stating they were closing the account and blocking it from being reopened which is great, but they wanted me to send a copy of the front and back of my drivers license and a picture of me holding the license. I find that incredibly suspicious and I told them I wouldn't do that. I did let them know however that I was going to file a complaint with the FTC. They said I could send a copy of the report. I would like to get this resolved as quickly as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 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: Mid-Atlantic Finance Co., Inc.
State: GA

Complaint narrative:
I submitted a valid FTC report to XXXX from FTC.gov via certified mail stating that I have a account thats not related to me on my credit profile, and is the result of identity theft. This account is from a company called XXXX XXXX XXXX, and is listed as an auto loan with a balance of {$9200.00}. This account was closed XX/XX/XXXX, I never opened this account. This account has tied two addresses to my credit report, that are not related to me as well. ( Address 1 ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX. ), ( Address 2 ) : XXXX XXXX XXXX XXXX XXXX, XXXX Ga XXXX. 

My FTC report Delivered on XX/XX/XXXX and an agent stated that my FTC report from Ftc.gov was not valid, meaning the disputed information would not be blocked. He stated for me to hang up and call back to speak to speak to another agent, then disconnected the call. I called to speak to another agent who then stated that my FTC report is valid but that it will take another 30 days to finish the investigation, even though I was told by an earlier agent that all I needed to do was submit a VALID FTC report since theyve already received my dispute along with proof of my identity. I was then advised by the agent to submit a CFPB complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 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: LA

Complaint narrative:
After viewing my credit report. I saw that there were multiple fraudulent accounts. I have reached out to the credit bureaus for help and there has been no relief.

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 2021-07-13 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 — Was not notified of investigation status or results
Company: DISCOVER BANK
State: NY

Complaint narrative:
I have tried to reach out to Discover several times about them reporting something on my personal credit without my permission or authorization. They have ignored me and said they will reach out to me several times but has not taken any action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-13 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 — Investigation took more than 30 days
Company: The Best Service Co.,Inc
State: CA

Complaint narrative:
Good afternoon, I place a dispute with XXXX and XXXX XXXX because they are reporting inaccurate information on my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 
Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g My contact information is as follows :

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
On XX/XX/2021 I submitted a complaint to the cfpb XXXX concerning American Express. 
I would like to understand why on XX/XX/2021 American Express contacted me by email stating heres confirmation of your recent address update. Were confirming your request to update your address for your card ending XXXX. We have also changed your address for any other accounts you specified at the time of request. 
I never sent Amex any request other than through you the CFPB which it is odd that they are communicating to me by email and not responding to you ( CFPB ). I suggest Amex is forging statements and documents which also is validating my claims that they are not following the proper Rules under the 15 USC 1692. I suggest Amex cease any fraudulent tactics and communicate directly by response to the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Performance Management, LLC
State: TX

Complaint narrative:
Receivables Performance Management calls on Behalf of XXXX XXXX to collect XXXX dollars on an account that was opened through XXXX XXXX with my stolen identity. I became aware of the issue and filed a police report. I submitted the report to the credit bureaus and was eventually cleared of the negative impacts on my credit. Receivables Performance Management was made aware of the issue and still had the nerve to try and collect on this fraudulent debt. Im sure they have scammed numerous people using this tactic. The tactic being, they are aware thr victim is not at fault for the debit but still harass the victim into paying. Receivables Performance Management harasses me via phone about 3 times a week. I will not pay for fraudulent debit under my name.

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 2021-07-13 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: NC

Complaint narrative:
Unauthorized activity and use of my credit report by the credit bureaus.

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 2021-07-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
RETALIATION / HARASSMENT/ UNFAIRNESS I, XXXX XXXX am filing a complaint against JP MORGAN CHASE BANK . I, have a car loan with this bank. On or about XX/XX/XXXX XXXX XXXX called JP Morgan Chase Bank to discuss the car loan and any late payments I was told by Chase Bank that someone would call me back. 

On XX/XX/XXXX I, XXXX XXXX called Chase Bank in reference of the car loan and also informing them that my bank shows that some of the payments loan has been paid. 
IN THE YEAR OF XXXX A SMALL CLAIMS COURT CITATION WAS FILED AGAINST CHASE BANK FOR THERE COMPANY CONSTANTLY CALLING MY HOUSE 4 TO 5 TIMES A DAY. IN RETURN THE COMPANY HAS BEEN DOING NOTHING BUT HARASSING XXXX XXXX AND IT APPEARS THEY WANT BACK THE CAR I HAVE BEEN PAYING A LOAN ON SINCE THE YEAR OF XXXX. IF ANY COMPANY IS GOING TO REPO A CAR I THOUGHT THEY SHOULD AT LEAST INFORM THEM IN WRITING OR EITHER CERTIFIED MAIL. I have checked with my bank and there are some payments that are not applied to this account. Chase Bank is doing this all because of RETALIATION against the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AXOS FINANCIAL, INC.
State: TX

Complaint narrative:
I did not authorize this inquiry on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Good afternoon, I place a dispute with XXXX and Trans Union because they are reporting inaccurate information on my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 
Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g My contact information is as follows :

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 2021-07-13 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 — Investigation took more than 30 days
Company: BANK OF THE WEST
State: CA

Complaint narrative:
Good afternoon, I place a dispute with XXXX  and XXXX XXXX because they are reporting inaccurate information on my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.

Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g My contact information is as follows :

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 2021-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Account Name : CB/VICSCRT Account Number : XXXX Date Opened : XX/XX/2014 Balance : {$0.00} Reason : Identity theft Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
XXXX I received a XXXX XXXX XXXX from Capital One for {$300.00} with an aggressive interest rate. I paid that amount back but Capital One continued to move forward with late fees and such despite my telling them that I paid the {$300.00} back and was now suffering from a brain injury. It was charged off in XXXX, per a phone call I took today from the Capital One Appeals team. 

Now, in XXXX, I was served papers for a suit where Capital One is claiming I had a credit line of $ XXXX. This was on the repair side of a bankruptcy and, no, I never had a credit card from Capital One for XXXX. I suspect, they compounded late fees and interest to craft an amount that would be worthy of investing in court fees and legal counsel. I am convinced this is a needlessly aggressive amount and the lawsuit for the incorrect amount is simply compounded interest made for the convenience of Capital One and in hopes I would be easily bullied due to my brain injury. 

I am not. Instead of " rolling over '' I filed an Answer to the XXXX County Circuit Court -- explaining the above -- and also spoke to the XXXX XXXX handling the debt collection. 

I only ever received a credit card for {$300.00} on the recovery end of a bankruptcy case. I paid that back but the answer I sent to the court would be to pay the {$300.00} again despite being unemployed and supported due to COVID-19 recovery efforts. 

Meanwhile, I'm suddenly now ( in XXXX ) getting calls and letters from Capital One for the wrong amount owed now in despite the five years of silence between the " charge off '' since XXXX. 

There is something very wrong here. 
( I NEVER had a card from them for $ XXXX! )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
We applied for a loan forbearance during Covid because my husband was laid off and I was not suure of my position. We ended up with a 5 month forbearance instead of 6 because he went back to work and we were ablee to make our payments. We started the modification process in XX/XX/XXXX. We signed the paperwork and were directed to mail in our monthly payments for XXXX, XXXX and XXXX XXXX. We were never sent the second part of the modification agreement so I called and spoke with Huntington. They said they were behind on the process because of Covid and I should call in to make my payments until the paperwork arrrived. I made my mortgage payments over the phone for XXXX and XX/XX/XXXX. I called several times to see how the process was going and was told to continue calling in my payments. I was told that my payment increased due to a taxes and that I owed larger payments. I continued to call in the larger payments and was told numerous times that they would send my requests to complete the modification process along to the department. I was told they did not have a direct phone number and that all requests were submitted through email from their end. 
We decided to refinance our home in order to get a 15 year mortgage and better interest rate. I talked to a Huntington representative and asked about rates. He ran our credit and told me to contact the loss litigation deparrtment to get the modification finalized. I decided to look into other companies for better interest rates and custoomer service. We have been approved for completed all the steps necessary to refinance our mortgage but can not get an accurate payoff amount from Huntington. We continued to call in our payments through XX/XX/XXXX but have not been able to complete the modificaiton process and have our 9 months of payments applied to our loan. 

We have called numerous times, waited on hold for hours, been hung up on and even used a 3rd party person to prove we made the required payments. We have bbeen told nuumerous times that they are on step 4 of 6 for our modification and that every modification is taking this long because of Covid. We are supposed to close on our refinance nex week but no one can get an accuurate payoff amount for our Huntington VA mortgage. 

This is affecting our opportunity to refinance and secure our financial future. We are unsure of where our payments have been going and what will happen in the future. We need help to get this situation taken care of and to warn others so it will not happen to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
U.S. Dept of Ed- Is reporting to XXXX  and Experian inaccurately with a {$3300.00} balance. This account is closed, and there is no balance owed.

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 2021-07-13 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: NY

Complaint narrative:
Equifax is reporting fraudulent inquires, I've disputed the inquiries with letters from the furnishers INQUIRY NAMES AND DATES, XXXX  XXXX XXXX  on XX/XX/XXXX and XXXX XXXX XXXX  FROM XX/XX/XXXX DISPUTES WERE SENT AND RETURNED AS VERIFIED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I started disputing false inquiries on my credit report on XX/XX/2021. None of the bureaus responded to me advising what steps they'd be taking or deleting the information at all. Since I didn't hear from them, I sent another dispute on XX/XX/2021 and again on XX/XX/2021. I am STILL waiting on a response and the inquiries still remain on my credit! I did not apply for these items ; the creditors can NOT provide a signed application because there isn't one, there aren't even accounts open from these inquiries!

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 2021-07-13 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: EQUIFAX, INC.
State: TX

Complaint narrative:
2 DISPUTE LETTERS WERE SENT VIA CERTIFIED LETTERS TO THE AGENCY AND WERE DELIVERED ON XX/XX/21 AND XX/XX/21. THE AGENCY HAD 30 DAYS FROM THE RECEIPT OF THE LETTERS TO NOTATE THE ACCOUNTS AS QUESTION AS DISPUTED BY CONSUMER AS PER THE FCRA GUIDELINES. THE AGENCY FAILED TO MARK THE ACCOUNTS AS DISPUTED BY CONSUMER.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
Synchrony bank cancelled two of my credit cards they had previously issued, which had both been paid to XXXX balance : my Guitar Center card and my XXXXXXXX XXXX card. 

I contacted Synchrony Bank and the reason they gave for cancelling my cards was poor credit and a low FICO score ; at that time I had 10 years of credit with ZERO bad marks and my FICO score was/is XXXX. 

Now Paypal is declining my use, and their customer financial transactions are managed by Synchrony banking. Their reasoning for terminate my 10 year relationship with Paypal is same reasoning Synchrony gaver me for terminating my credit cards.

The Paypal problem is having an adverse affect on my businesses. I will at times use Paypal ten times in one week. 

XXXX XXXX C.E.O. 
XXXX XXXX XXXX. 
XXXX 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