vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PMAB,LLC
State: SC

Complaint narrative:
I can't remember the exact date but the {$XXXX} Is not mine and all these others things on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 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 am unable to file a complaint directly with Experian. They are trying to charge me to dispute my report or make it more difficult to dispute the report by disallowing me to file my claim on line. 
My credit score decreased more than 50 points in one day while my credit profile remained the same. Recently my score reached a fair credit score ( slightly above 600 ). It has taken more than 50. I have invested in monthly monitoring of my credit history and I have worked diligently to stay within an acceptable credit to income ratio ; and make timely payments. Despite my consistent efforts over the last five years, your agency has been slow to reflect any progress in my score and then shortly after I reach a fair rating you, for reasons unknown to me, have dropped my score lower than it was five years ago when I began monitoring my score. 

I find this recent excessive reduction in my credit score to be a a false representation of my credit profile. Said severe and unjustified reduction in my score is and will continue to cause me undue harm and unfair/disparate treatment. 

I request a reexamination of my credit worthiness to make the appropriate adjustments my credit ratings. Additionally, I request a detailed explanation for your findings. In the event this matter is not rectified imminently, I will seek resolution of this matter through the judicial system.

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 2019-07-17 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: RI

Complaint narrative:
there is an XXXX account on my transunion report that was sold to XXXX XXXX XXXX  that was opened XX/XX/2018 that doesn't belong to me. I don't know who's it is i always had XXXX XXXX.I tried to fix the issue in the store i gotten nowhere. my last resort will be legal actions if its not removed from my 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 explanation
Consumer complaint received 2019-07-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/2019, I purchased a concert ticket for {$60.00} from a XXXX user. He sent me a request on XXXX for the agreed upon price and I accepted the request. He told me he was sending the tickets and then blocked my phone number. I called my bank ( Capital One ) and immediately reported this transaction as fraud. They ultimately denied this claim, stating that I sent the money on my own. I do not believe that I owe money to a person who did not provide the good that I paid for and am requesting a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: AZ

Complaint narrative:
I called Quicken Loans to request a payoff amount on my loan. I was told there would be a {$35.00} fee. I explained that I have been a customer for 5+ years and had refinanced this loan through Quicken, would they be able to waive the {$35.00} fee? They said no. I have been diligent and saved enough money to pay off this loan to be debt free and have Quicken Loans out of my life forever and they hit me with yet another way to collect more money from me. I realize they are in business to make money but how about congratulations on paying off your loan. No. {$35.00} please. Ridiculous. Oh well, I'm on my way to achieving millionaire status and not having a mortgage payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 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: RI

Complaint narrative:
there is an XXXX account on my transunion report that was sold to XXXX XXXX   XXXX that was opened XX/XX/2018 that doesn't belong to me. I don't know who's it is i always had XXXX XXXXXXXX.I tried to fix the issue in the store i gotten nowhere. my last resort will be legal actions if its not removed from my 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 explanation
Consumer complaint received 2019-07-17 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: NV

Complaint narrative:
EQUIFAX, XXXX XXXX, I RECEIVED A LETTER STATING THAT I WAS A VICTIM OF YOUR CREDIT BREECH. ( EQUIFAX, XXXX ) I HAVE BEEN DISPUTING ACCOUNTS OPENED IN MY NAME THAT IS FRAUDULENT AS WELL AS FRAUDULENT INQURIES. AS OF THIS DAY NONE OF THE ACCOUNTS HAVE BEEN REMOVED NOR THE INQUIRIES. ACCORDING TO THE FCRA ACT, 15 U.S.C.1681 SECTION 609A1 A YOU ARE REQURED BY LAW TO VERIFY - THROUGH THE PHYSICAL VERIFICTION OF THE ORIGINALSIGNED CONSUMER CONTRACT, ANY AND ALL ACCOUNTS YOU POST TO A CREDIT REPORT. I SENT A SIGNED AFFIDAVIT IN XX/XX/2019. INDICATING THAT THE FOLLOWING ACCOUNTS ARE NOT MINE. I HAVE SINCE WAITED ON THE SUPPORTING DOCUMENTS ( SIGNED CONTRACT ) BY ME. I AM ASKING AGAIN BEFORE I CONTACT THE FCRA TO PLEASE REMOVE ALL UNVERIFIED ACCOUNTS FROM ALL 3 CREDIT BUREAUS .IF NOT YOU ARE IN VIOLATION OF 15U.S.C.1681YOU ARE REQUIRED UNDER FEDERAL LAW TO HAVE A COPY OF THE ORIGINAL CREDITORSDOCUMENTATION ON FILE. THIS IS MY SECOND REQUEST TO REMOVE THESE UNVERFIED ACCOUNTS BEFORE I FILE A COMPLAINT WITH THE FCRA. OR PROVIDE ME PROOF WITH MY SIGNATURE AUTHORIZING THESE ACCOUTS ALL OF THESE ACCOUNTS WERE OPENED FRAUDULENT AND ONLINE. 

XXXX XXXX XXXX XXXX XXXX XXXX /XXXX XXXX XXXX XXXX XXXX   XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 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:
On XX/XX/2019, I submitted and mailed a certified letter to TransUnion Consumer Relations for which they signed for on XX/XX/2019 regarding negative information reported by XXXX XXXX XXXX, Bankruptcy chapter XXXX-discharge in the file they maintain under my Social Security number. 

I challenged the accuracy, compliance and reportability of the listing and their Method of Verification. 

TransUnion failed to investigate with in the 30 day required by Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ).

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 2019-07-17 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Both XXXX  and XXXX  continue to include on their credit reports a Chase home equity line of credit ( HELOC ) account that was included in a Chapter XXXX bankruptcy that was filed over 7 years ago. Based on the Chapter XXXX filing date of XX/XX/XXXX, this item should no longer appear on my credit reports and should have been removed 7 years after the Chapter XXXX bankruptcy filing date. I have contacted XXXX, XXXX, and Chase with my dispute. XXXX  was contacted in XX/XX/XXXXand XX/XX/XXXX. XXXX  was contacted in XX/XX/XXXXand XX/XX/XXXX. XXXX  and XXXX  state their investigations involved following up with Chase and Chase told them the account information on the reports was accurate. On XX/XX/XXXX, I wrote a letter to Chase detailing my dispute and attached supporting documentation. As of XX/XX/XXXX, Chase has not responded to my letter. I have never received an explanation from XXXX, XXXX, or Chase as to why an account that was included in a Chapter XXXX bankruptcy filed over 7 years ago continues to be reported on my credit reports. To make matters even worse, the XXXX  and XXXX  credit reports state that the account will stay on the reports until XX/XX/XXXX which is over 12 years after I filed for Chapter XXXX bankruptcy and perhaps coincidentally almost exactly 7 years after my Chapter XXXX   was discharged.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 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: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX, The Citi Bank Double Cash Credit Card told me the Citi 's billing dispute investigator requested multiple times from the merchant ( XXXX XXXX XXXX ) for the refund of {$5000.00} that needed to credit back to me, but the merchant did not respond. The Citi told me they could not do anything about it, and I had to get money back myself from the merchant by filing a law suit or complaining with the XXXX XXXX XXXX 

The disputed was initiated on XX/XX/XXXX for {$5000.00} charged by XXXX XXXX XXXX on XX/XX/XXXX. ( XXXX XXXX XXXX XXXX ) During the investigation, I responded to the Citi 's latest letter dated XX/XX/XXXX ( attached ) by submitting requested canceled check of {$13000.00} and settlement agreement that settled the disputed credit card charges of {$18000.00} ( including {$5000.00} ). 

Indicated in the Agreement signed by both parties, my cashiers check of {$13000.00} which already deposited by XXXX XXXX had been settled for the dispute of credit card charge of $ {$18000.00} XXXX sum of {$4200.00}, {$9000.00} and {$5000.00} charged by XXXX XXXX in XX/XX/XXXX XXXX. I had been credited back two out of three charges except {$5000.00}. The {$5000.00} was deposited by XXXX XXXX and needed to be returned back to me. It is Citi bank 's responsibility to obsorb {$5000.00} as I should have got a credit.

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 2019-07-17 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: Resurgent Capital Services L.P.
State: AR

Complaint narrative:
LVNV Funding, LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NV XXXX LVNV Funding LLC is reporting two accounts they can not validate I owe them money. They have failed to provide name and address of the alleged creditor, alleged debtor, alleged account number, address on file for the alleged debtor, the alleged debt amount, date alleged debt became payable, date of original charge off or delinquency. They have not advised if the debt was assigned to the LVNV Funding, LLC, or purchased. They have not provided the amount of debt was purchased. 

They are reporting to the three reporting agencies the accounts as recently opened when they have reported the two accounts for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 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: RI

Complaint narrative:
Yes i checked my report before trying to open a secure credit card and noticed some accounts that do not belong to me. 1 ) XXXX XXXX of {$900.00} that was opened in XX/XX/XXXX 2 ) XXXX XXXX XXXX of {$300.00} that was opened in XX/XX/XXXX 3 ) XXXX XXXX/ XXXX XXXX. Also I have some inquiries that do not belong to me as well. 1 ) XXXX XXXX XXXX XXXX XX/XX/XXXX 2 ) XXXX XXXX XX/XX/XXXX 3 ) XXXX XXXX XXXX XXXX XX/XX/XXXX 4 ) XXXX XXXX XX/XX/XXXX 5 ) XXXX XXXX XX/XX/XXXX and 6 ) XXXX/ XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: American Collection Services, Inc. (OK, TX)
State: OK

Complaint narrative:
Female from ACS called and accused me of committing insurance fraud for waiting and eventually cashing a check my insurance company sent me that after the fact we found out should've been sent to the doctor. It was addressed to us and was verified by the bank at the time of deposit. 

This same vendor is now trying to get us to pay a bill that we already paid by threatening to report it to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 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:
Both XXXX and Experian are reporting non-existent " XXXX   XXXX XXXX '' on my reports which are totally fabricated and are negatively impacting my credit score. XXXX has been reporting this made up account ( which is a duplicate of my mortgage account as it has the same name and account number ) since 2017 and I have disputed it 8 times by sending certified letters requesting it be removed. Each time, they respond by stating they " Verified the accuracy of this account '', which is impossible. 

Experian picked this false account up from XXXX  late last year. They do not even list an account name or account number, so are reporting a generic account which does not exist. They, too, have refused to remove this after sending multiple dispute letters via certified mail. They are damaging my credit with an account they can not provide a single detail of. 

Both XXXX and Experian are seriously violating my rights to accurate information in my credit reports per the FCRA. They are also in violation for lying to me about verifying these accounts. They are destroying my reputation, costing me time & money and denying my rights. Nothing I do will stop them. I NEED HELP!

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 2019-07-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
We took delivery of our new vehicle in the dark and in a thunderstorm, late in the evening after spending hours at the XXXX XXXX XXXX XXXX on the date of purchase. When we first saw our vehicle in the daylight the next morning, we made several startling discoveries including a damaged front bumper, a large dead beetle wedged into the firewall and a torn window sticker stuffed into the glovebox with all of the federal disclosures and EPA disclosures missing. We immediately requested a reprint of the original window sticker along with all federal and EPA disclosures. When we finally received those disclosures almost two months later on XX/XX/2017, we also discovered proof of {$2600.00} in undisclosed charges tacked onto the price of our vehicle for add-ons that were never installed, including window tint. That missing window sticker that shows the MSRP inflated {$2600.00} to {$42000.00} is also attached.

Additionally, when we compared the attached Buyers Order Agreement pages printed at XXXX XXXX. on XX/XX/2017, we noticed that the rebate listed was only {$5000.00}. This is in direct contradiction to the attached E-mail message that we received from XXXX XXXX at XXXX earlier that same day, XX/XX/2017, at XXXX XXXX. promising Triple Savings {$8400.00}. This is the E-mail from XXXX XXXX that lured us into its dealership. In addition to overcharging us {$2600.00} for items that were never installed, XXXX XXXX failed to provide us {$3400.00} in promised savings that were used as inducement for purchase. XXXX XXXX owes us {$6100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Both XXXX and TransUnion continue to include on their credit reports a XXXX home equity line of credit ( HELOC ) account that was included in a Chapter XXXX bankruptcy that was filed over 7 years ago. Based on the Chapter XXXX filing date of XX/XX/XXXX, this item should no longer appear on my credit reports and should have been removed 7 years after the Chapter XXXX bankruptcy filing date. I have contacted XXXX, TransUnion, and XXXX with my dispute. XXXX was contacted in XX/XX/XXXX and XX/XX/XXXX. TransUnion was contacted in XX/XX/XXXX and XX/XX/XXXX. XXXX and TransUnion state their investigations involved following up with XXXX and XXXX told them the account information on the reports was accurate. On XX/XX/XXXX, I wrote a letter to XXXX detailing my dispute and attached supporting documentation. As of XX/XX/XXXX, XXXX has not responded to my letter. I have never received an explanation from XXXX, TransUnion, or XXXX as to why an account that was included in a Chapter XXXX bankruptcy filed over 7 years ago continues to be reported on my credit reports. To make matters even worse, the XXXX and TransUnion credit reports state that the account will stay on the reports until XX/XX/XXXX which is over 12 years after I filed for Chapter XXXX bankruptcy and perhaps coincidentally almost exactly 7 years after my Chapter XXXX was discharged.

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 2019-07-17 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: CA

Complaint narrative:
Both Experian and XXXX  continue to include on their credit reports a XXXX home equity line of credit ( HELOC ) account that was included in a Chapter XXXX   bankruptcy that was filed over 7 years ago. Based on the Chapter XXXX filing  date of XX/XX/XXXX, this item should no longer appear on my credit reports and should have been removed 7 years after the Chapter XXXX bankruptcy filing date. I have contacted Experian, XXXX, and XXXX with my dispute. Experian was contacted in XXXX and XXXX of XXXX. XXXX   was contacted in XXXX and XXXX of XXXX. Experian and XXXX state their investigations involved following up with XXXX and XXXX told them the account information on the reports was accurate. On XX/XX/XXXX, I wrote a letter to XXXX detailing my dispute and attached supporting documentation. As of XX/XX/XXXX, XXXX has not responded to my letter. I have never received an explanation from Experian, XXXX, or XXXX as to why an account that was included in a Chapter XXXX bankruptcy filed over 7 years ago continues to be reported on my credit reports. To make matters even worse, the Experian and XXXX credit reports state that the account will stay on the reports until XX/XX/XXXX which is over 12 years after I filed for Chapter XXXX   bankruptcy and perhaps coincidentally almost exactly 7 years after my Chapter XXXX   was discharged.

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 2019-07-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Good evening, my name is XXXX XXXX XXXX. I applied for a Capital One credit Card on XX/XX/2019. I got 2 inquires instead of 1.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I closed my Capital One account that was paid in full in XX/XX/XXXX and closed at that time. Capital one is reporting the XXXX balance closed account is delinquent from XX/XX/XXXX to present. How can an account be closed for over a year and a half show as delinquent? My credit score is being affected. I called Capital One and they would not help!

Company response to consumer: Closed with non-monetary relief