vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-07 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: VA

Complaint narrative:
I had a capital one card, I never missed a payment, never had late payments and never carried a balance. They placed a 26 day hold on my payments even though they confirmed on the phone with XXXX XXXX XXXX XXXX and trust that they received the funds, the kept randomly adjusting my available credit and it didnt reflect my my actual available amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07 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: MD

Complaint narrative:
i have disputed an XXXXXXXX XXXX account XXXX with Equifax many time yet all XXXX XXXX  have to do is just respond accurate ... .they failed to follow the law ... XXXXXXXX XXXX  have no Proof or contract under my name baring my signature ... .I have flie a police report, i have reported the account to the Federal trade Commision, and the Consumer Financial Protection Bureau . yet Equifax is the only credit bureau still have this account on my file, XXXX and XXXX have deleted the XXXX XXXX as Fraudulent account. yet equifax refuse to follow the law ....

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07 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: MO

Complaint narrative:
I sent XXXX, Equifax and XXXX letters to validate the accuracy of four bankruptcies showing up on my credit report. They sent back responses saying that XXXX validated them. I then asked XXXX to verify this information and they responded that they do not report any bankruptcies with me. I also received letters from the two courts stating they did not provide any information to the third party or credit bureaus. I then sent this response to the credit bureaus and they still say they have validated it with XXXX and will not remove it. XXXX consumer # XXXX and Case # XXXX dated XX/XX/2020, shows there is not a bankruptcy on me. I have been going back and forth with the bureaus since XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07 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: MO

Complaint narrative:
I sent XXXX, XXXX and Experian letters to validate the accuracy of four bankruptcies showing up on my credit report. They sent back responses saying that XXXX validated them. I then asked XXXX to verify this information and they responded that they do not report any bankruptcies with me. I also received letters from the two courts stating they did not provide any information to the third party or credit bureaus. I then sent this response to the credit bureaus and they still say they have validated it with XXXX and will not remove it. XXXX consumer # XXXX and Case # XXXX dated XX/XX/2020, shows there is not a bankruptcy on me. I have been going back and forth with the bureaus since XX/XX/2020.

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 2020-11-07 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: Premier Auto Credit
State: CA

Complaint narrative:
Alleged 90 days late was a clerical error from the insurance company on total payment amount for total car payoff, total amount was wrong. Then total payment amount was corrected and the car was paid off in full. Premier Auto Credit agreed to remove alleged 90 days because of the insurance payment error, but never did. I requested numerous times to remove incorrect reporting according to FCRA act. Still waiting for Five years on the agreed verbal and mailed terms. Premier Auto denies receiving such letters and claims the letters may have been lost during moving transition.

Company has many consumer complaints for not agreeing to terms and agreements with their customers. Address on the credit report for Premier Auto is wrong and inaccurate : Previous Address XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Current XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07 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: GA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$58.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$58.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
A debt buyer company, Midland Funding, bought an account from XXXX XXXX, and is reporting the account on my credit report still although, the date of first delinquency with the original creditor renders that this account no longer be reported anymore because the statute for reporting this accounts information has expired. Account number : Account number XXXX for a balance shown of {$640.00}. The original creditor has already deleted the account from my credit reports across all three bureaus because the alleged debt is so old.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
On XX/XX/2020 XXXX XXXX initiated a wire transfer ( # : XXXX ) through my business bank account ( for XXXX XXXX XXXX XXXX XXXX in the sum of {$6800.00} absent my authorization to an individual unknown to me, named XXXX XXXX. This money was sent through wire transfer from my business bank account to XXXX XXXX at his Bank, Routing Number XXXX, account number XXXX. I was inadequately and improperly notified by XXXX XXXX of this specific transaction, and when I went to dispute this wire transfer ( which took place on the eve of XX/XX/2020 XXXX, I was advised by XXXX XXXX that the money was already withdrawn from XXXX XXXX 's Capital One Bank account early in the morning on XX/XX/2020. Thus, XXXX XXXX did not take proper precautions to confirm this exact wire transfer, and Capital One never took precautions to hold this transfer of money in abeyance until such transaction was confirmed. It is my understanding under the federal and state banking guidelines that the appropriate time period should have been at least a 24 hour period for clearance of funds. Capital One reneged upon enforcing any fraud action against their customer, XXXX XXXX, and XXXX XXXX disclosed XXXX XXXX ' address which is XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX XXXX and told me to go after XXXX XXXX myself, that because of Covid 19, they are not exercising all of their duties and regulations as what was more carefully done in the past. I expect as an American Citizen, that the banking regulations and laws would protect me in such a situation, and that it is their responsibility to do so and not have me personally resort to debt collection with an individual who clearly committed fraud and larceny under the law. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
A debt buyer company, XXXX XXXX, bought an account from XXXX XX/XX/XXXX, and is reporting the account on my credit report still although, the date of first delinquency with the original creditor renders that this account no longer be reported anymore because the statute for reporting this accounts information has expired. Account number : Account number XXXX for a balance shown of {$640.00}. The original creditor has already deleted the account from my credit reports across all three bureaus because the alleged debt is so old.

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 2020-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
A debt buyer company, XXXX XXXX, bought an account from XXXX Bank, and is reporting the account on my credit report still although, the date of first delinquency with the original creditor renders that this account no longer be reported anymore because the statute for reporting this accounts information has expired. Account number : Account number XXXX for a balance shown of {$640.00}. The original creditor has already deleted the account from my credit reports across all three bureaus because the alleged debt is so old.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Chime Financial Inc
State: VA

Complaint narrative:
Chime Bank stole almost {$4000.00} from me. They put a false deposit into my account. And they closed my account due to that. now I had a dispute with them they approved their false deposit and still said I don't get a refund now they have done this to thousands of customers if you want I'll screenshot all the complaints this is getting ridiculous nobody will help me or other customer can't find anybody to help us we need help this bank is robbing people left and right this is wrong especially in the time of pandemic we need your help!! Now this time if you can not reach me by phone please email me don't just closed my case

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FISERV FINXACT CORE
State: NC

Complaint narrative:
XXXX XXXX 2020, and XXXX XXXX they say that I wrote bad checks. XXXX XXXX in the Amt. of {$41.00} and the Check on XX/XX/XXXX in the amt. of {$80.00}. I also called the creditor and they don't see any record of me writing the checks. The company that is trying to collect my money is TRS Recovery Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07 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 contacted the companies in writing certified mail and have received no assistance, I am livid that nothing is being done no information nothing,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07 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: FL

Complaint narrative:
I have two 3rd party credit report companies to monitor my credit. The company names that I am using are XXXX XXXX and XXXX XXXX. The only credit bureau that is not showing is XX/XX/XXXX I gave XX/XX/XXXX a call multiple times but I was given the run around. I was also hung up on because I was asking the question why I cant see there report. I went to there website and purchase all three reports and they where all not updated. Also show multiple inaccuracies. I canceled there service immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07 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: CREDIT ACCEPTANCE CORPORATION
State: LA

Complaint narrative:
On several occasions, I have disputed this information on my credit report to be corrected. I took out a loan on a car with Credit Acceptance in XXXX, this account was purchased by my credit union and the car was then paid off fully. In XXXX, I was approved for another loan with Credit Acceptance and the XXXX  was XXXX or so total owing when I called them to have them pick the XXXX  up because I could no longer pay for it. They never updated their records after picking it up and selling it at auction, instead, my account balance goes from XXXX to XXXX after I disputed the amount owing. This is fraudulent for this company to out of the blue add an additional balance onto a balance they were already supposed to correct due to the resale of the XXXX. The balance should have gone down from XXXX from what it sold for but never did instead just noticed today when checking my credit report that now it is XXXX. I would like to have this investigated because I know a creditor can not arbitrarily add such fees to a balance that was already supposed to be corrected after the sale of this truck at auction which is what I was informed of by them after they picked it up back in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: CO

Complaint narrative:
My monthly interest should be around {$76.00} per month. My ENTIRE payment of XXXX is being applied towards interest only. My due date is not until XX/XX/2021. I am on auto debit and they have applied the last 2 payments of {$160.00} to only interest. I do not need a long drawn out reply from Nelnet explaining " simple interest ''. I want a straight and to the point answer. Spare me the XX/XX/XXXX and don't write endless paragraphs of nonsense.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07 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: LA

Complaint narrative:
On several occasions, I have disputed this information on my credit report to be corrected. I took out a loan on a car with XXXX XXXX in XXXX, this account was purchased by my credit union and the car was then paid off fully. In XXXX, I was approved for another loan with XXXX XXXX and the XXXX  was XXXX or so total owing when I called them to have them pick the XXXX  up because I could no longer pay for it. They never updated their records after picking it up and selling it at auction, instead, my account balance goes from XXXX to XXXX after I disputed the amount owing. This is fraudulent for this company to out of the blue add an additional balance onto a balance they were already supposed to correct due to the resale of the XXXX. The balance should have gone down from XXXX from what it sold for but never did instead just noticed today when checking my credit report that now it is XXXX. I would like to have this investigated because I know a creditor can not arbitrarily add such fees to a balance that was already supposed to be corrected after the sale of this truck at auction which is what I was informed of by them after they picked it up back in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio
State: TX

Complaint narrative:
I am a victim of identity theft. I recently learned that my personal information was used to open an account at Vance and Huffman representing XXXX XXXX XXXX. I did not open or authorize this account, with this company or no other company they represent and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files.. Also VANCE AND HUFFMAN never even sent me notice of the fraud account or else they would have already known that I was a victim of identity theft and this account is a result of thereof. Additionally, I thought any reporting of a debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I have previously notified VANCE AND HUFFMAN that I am a victim of identity theft and to close this unauthorized account but they decided to ignore my request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-07 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 contacted the companies in writing certified mail and have received no assistance, I am livid that nothing is being done no information nothing,

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 2020-11-07 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 contacted the companies in writing certified mail and have received no assistance, I am livid that nothing is being done no information nothing,

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 2020-11-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
Synchrony Bank closed my XXXX credit card through XXXX  as well as my Amazon card without warning and without cause. I've been paying off all of my purchases, no late payments ever. Synchrony has also blocked access to my rewards balance, which is around {$360.00}. They are essentially stealing this money. 

The net effect has been a huge hit to my credit score. By lowering scores and closing accounts, they've cost my credit score 35+ points. Then they're pointing at that drop as evidence. The only changes on my credit sore are related to Synchrony Bank. I've recently paid off all my other cards and am in good standing with zero missed payments on any card. 

I use this XXXX card to make purchases for my company, which saves 10 % in total cost. We use the Amazon card to save 5 % on household purchases. If their rationale for closure of the XXXX card is that I reported an income increase -- that's because I did have an income increase. It seems they are discriminating against me based on faulty assumptions of my income.

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 2020-11-07 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: MD

Complaint narrative:
I submitted documents to all three credit bureaus requesting to UPDATE AND REMOVE MY PERSONAL INFORMATION. I submitted my drivers license as well as a utility bill as a proof of address. However, old addresses are STILL on my credit report. I also submitted letters requesting for verification of items. I have not received a correspondence from either bureau regarding my dispute. The credit bureaus have 30 days to investigate and it has been WELL over that time frame. This is a clear VIOLATION of my rights as a consumer. I want EVERYTHING THAT I DISPUTED REMOVED OR I WILL PURSUE A LAWSUIT FOR VIOLATING MY RIGHTS. As a consumer and per FCRA., ALL items should be REPORTING ACCURATE.

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