vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I always pay the full balance on my credit cards in order to be debt-free and keep my score above XXXX points. 
Capital One has overcharged my Credit Card ending with XXXX in U {$53000.00} and I called them to find out these transactions that result in this balance and they didn't know and I had to close the account. However, they are going to keep on charge me for this balance that I don't recognize because I keep track of all my receipts. 
Please help me in this matter. 
XXXX. 
XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-10 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: IN

Complaint narrative:
My identification is being used for car shopping online which I wasn't nowhere as multiple hard inquiries for the same car lot multiple times a day I'm surprised the bank didn't even look at that I tried you been XXXX XXXX  they weren't doing anything I did dispute letters with Equifax Equifax told me that I had to call the consumer phone consumers are saying Equifax put it on there

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

Complaint narrative:
I have submitted complaint through this platform once already and gotten no resolution from both the creditor and the credit bureau. The account by XXXX XXXX on my credit report is an account that was opened fraudulently and now I am a victim of identity theft. I have tried tried to fix this with both the creditor and the credit bureau. While both companies have made no effort to resolve this I am having to submit other complaint. I received information from the creditor that the proof that they have that this account belongs to me is based on a phone number that it is not mine, an email address that is not mine and an IP Address that is not mine. I have have sent both the creditor and credit bureau supporting documents showing that this account doesn't belong to me. I have sent a copy of my phone bill which has a different number than this creditor has on file. I have sent a copy of my email address information which has a different address than what the creditor has on file and contract that shows i've had this email address for over 15 years. I have sent a copy of my IP Address from both my cell phone and personal computer and this shows a different IP Address than the creditor has on file. I have also filed a police report and identity theft report with the FTC in addition to all of the other documents that I have sent. I find this outrageous and completely illegal because all of this evidence that I have provided clearly shows that this account doesn ; t belong to me and that someone stole my identity in order to defraud this creditor. Neither the creditor nor the credit bureau are following the law and are totally violating the Fair Credit Reporting. My next step since I am running out of options is having to file a lawsuit against both the creditor and the credit bureau. This is affecting my credit negatively and I am trying to purchase a new vehicle and so this is absolutely affecting my life and it needs to be resolved immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
Wells Fargo Dealer Services repossessed my vehicle lawfully. I do not dispute I defaulted on the loan. I am disputing the remaining false balance that remains on my credit report. I called on their recorded line ( I did not record the call, they did ) to pay the balance on my credit report of roughly {$1600.00}. I was told I can not pay the balance because Wells Fargo Dealer Services has discharged the debt and is no longer pursuing the debt. The debt was charged off and discharged with XXXX balance on XX/XX/2020. I was told, on a recorded line, that the debt will show as XXXX balance on my credit report and there is nothing I can do to pay it off. My complaint is that they are still reporting a balance of roughly {$1600.00} and it is hurting my credit score. I have disputed this several times, tried to reach out to the company, wrote letters and still nothing is being done. I want to either pay the balance or remove it from 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 2020-10-10 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: Social Finance, Inc.
State: IL

Complaint narrative:
In XXXX of XXXX my father-in-law suffered a XXXX XXXX and my wife had to stop working for 4 months to care for him. As a result, our monthly income was decreased. I contacted my credit card companies and loan companies and asked what payment assistance they can give. My credit was impeccable. No missed payments in 20+ years. Every company assisted in allowing me to defer payments or allowed me to pay a lower payment or interest only. Nothing negative was reported on my credit. 

However, when I spoke to Sofi Lending Corp in XXXX of XXXX, they said they would allow me to skip 3 payments and it would be added on to the end of the loan. I spoke to a XXXX XXXX XXXX at Sofi (  email address : XXXX ). I received an email with a link to the secure message. The message has since been removed from the Sofi document center. But I have a copy of the email. Everything was agreed to verbally ( as was with XXXX, XXXX, and XXXX XXXX XXXX, all of them were extremely accommodating during the medical crisis ) I skipped the first payment as instructed and then I was receiving past due phone calls. Each time I spoke to them, they said their system wasn't updated as I explained the agreement. Each time they said they updated my file to show the deferment. But they kept calling for the next few months and I as adamant that my credit not be affected. They assured me it would not. I started making regular monthly payments in XXXX of XXXX and made the monthly payment on time each and every month. However, when I applied for an auto loan in XXXX, my credit score was greatly decreased due to multiple missed payments on my Sofi account. I contacted Sofi MULTIPLE times and they keep telling me all they show is the account was consistently past due. THIS IS INCORRECT. I contacted the credit bureaus, all 3, they said Sofi is claiming the information is correct. 
I need to have my credit information updated to show that NO PAYMENTS WERE EVER PAST DUE TO SOFI LENDING CORP .

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied Collection Services, Inc. (Nevada)
State: NM

Complaint narrative:
On XX/XX/2020 is was brought to my attention by XXXX XXXX that a collections account had been placed on my credit. This astonished me as I have very good credit, always pay my bills and have never had a collections account. In logging in with XXXX  it shows with Allied Collection Services on behalf of XXXX. I have no idea what this is. I have never owned a XXXX line or ever attempted to open one. My wife and I have XXXX and have had them for over 17 years which can be verified with them. I've contacted Allied and they've said there is nothing they can do to help me dispute this as they are representing XXXX. I've contacted XXXX and they've said there is nothing they can do. I filed the dispute with XXXX  and it appears they just said they " verified '' this with the lender. That doesn't help me at all based on the fact that this is not my debt!!!! I need help from someone. 

This does not belong to me or my social security number. I'm happy to show or verify all my information including an investigation if needed by picture in stores as I've never been in a XXXX store. I'm in law enforcement and this is fraud filed on my 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 2020-10-10 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: IN

Complaint narrative:
My identification is being used for car shopping online which I wasn't nowhere as multiple hard inquiries for the same car lot multiple times a day I'm surprised the bank didn't even look at that I tried you been XXXXXXXX XXXX they weren't doing anything I did dispute letters with XXXX XXXX told me that I had to call the consumer phone consumers are saying XXXX put it on there

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10 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: GOLDMAN SACHS BANK USA
State: MA

Complaint narrative:
I have submitted complaint through this platform once already and gotten no resolution from both the creditor and the credit bureau. The account by Goldman Sachs on my credit report is an account that was opened fraudulently and now I am a victim of identity theft. I have tried tried to fix this with both the creditor and the credit bureau. While both companies have made no effort to resolve this I am having to submit other complaint. I received information from the creditor that the proof that they have that this account belongs to me is based on a phone number that it is not mine, an email address that is not mine and an IP Address that is not mine. I have have sent both the creditor and credit bureau supporting documents showing that this account doesn't belong to me. I have sent a copy of my phone bill which has a different number than this creditor has on file. I have sent a copy of my email address information which has a different address than what the creditor has on file and contract that shows i've had this email address for over 15 years. I have sent a copy of my IP Address from both my cell phone and personal computer and this shows a different IP Address than the creditor has on file. I have also filed a police report and identity theft report with the FTC in addition to all of the other documents that I have sent. I find this outrageous and completely illegal because all of this evidence that I have provided clearly shows that this account doesn ; t belong to me and that someone stole my identity in order to defraud this creditor. Neither the creditor nor the credit bureau are following the law and are totally violating the Fair Credit Reporting. My next step since I am running out of options is having to file a lawsuit against both the creditor and the credit bureau. This is affecting my credit negatively and I am trying to purchase a new vehicle and so this is absolutely affecting my life and it needs to be resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AK

Complaint narrative:
In XXXX of 2020, Kohl 's claimed I had a late payment of {$30.00} for credit card account. I disputed that the payment was made late. I also told them over the phone that I was out of work due to CoviXXXX and couldn't afford any more fees. 
Kohl 's made no response other than to start to add interest and penalties to my account. I phoned several times repeating this. They continued to ignore my calls and began mailing me bills which have now added up to over {$300.00}. as well as report me to credit agencies. 

Since then, I have sent them multiple emails explaining my dispute of the original charge and insisting I be able to email someone about this account so that I can document what I have told them about being out of work. I believe them charging me fees violates the CARES ACT. They initially responded by emailing me back ( confirming the receipt of my emails ) and stating they won't communicate this way with me and that I need to call. After 6 or so emails, they told me they were having an agent look into communicating with me in writing. however, Kohls has not contacted me in a manner I can document XXXX email ) and continues to add fees and interest to my account and to report me to credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: NY

Complaint narrative:
I disputed the account and it was removed from my credit report under the name XXXX and now its on my report again under a different name

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Debt Recovery Solutions, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX I noticed an collection without notice!! 
I have never did business there is no contract Between me and this agency! 
I do not owe this company

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10 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: TrueAccord Corp.
State: FL

Complaint narrative:
this is a XXXX XXXX card account, XXXX  XXXX  is handling it for XXXX  XXXX  their tactics are aggressive, they email, and threaten that it is a strong possibility that a attorney will be involved if you do not respond to them asap. I have uploaded proof of their constant emails, I never gave them my email, as you can see the abundance of emails they send, with the threat of a strong possibility of a a attorney in the future

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
this is a XXXX XXXX card account, XXXX XXXX  is handling it for lvmv funding their tactics are aggressive, they email, and threaten that it is a strong possibility that a attorney will be involved if you do not respond to them asap. I have uploaded proof of their constant emails, I never gave them my email, as you can see the abundance of emails they send, with the threat of a strong possibility of a a attorney in the future

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

Complaint narrative:
I disputed information with Transunion, and XXXX  with regards to account XXXX   preferred, {$3100.00}. The phone number and address to the creditor are both non -working so theres no way to verify who signed up for this account. The information the creditor provided for the last several years are not working and thus all these months have not been able to get this resolved. It is very unfair that XXXX  and Transunion continued to report that account for so long. Ive asked that the account be deleted but they continue to report. They have not done due diligence in verifying since non of the information the creditor is reporting is accurate ( phone number and address ). How can Transunion and XXXX  say theyve investigated if the creditor information is non-working for all this time. Please delete the account from my file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Thank you for taking the time out of your day to read this message. My name is XXXX XXXX XXXX and I consolidated all of my student loans in XXXX of XXXX with XXXX. However, I pulled my credit report in XXXX of XXXX and discovered that the XXXX Department of Education is inaccurately reporting that I have a XXXX-day past due payment which was reported to Equifax in XXXX of XXXX. This should not have been reported on my credit. I disputed this inaccuracy in XXXX, XXXX and XXXX of XXXX and have seen no change. Since my last dispute, I now notice that Equifax is reporting that I have an additional XXXX-day late payment due as of XX/XX/XXXX. The sad part about all of this is that the loan was closed in XXXX of XXXX which is accurate and listed on the credit report. How is it that the loan was closed in XXXX of XXXX, but I was past due by XXXX-days in XXXX of XXXX and XXXX of XXXX? If this loan was closed in XXXX of XXXX, there should be no late reportings after that date. Prior to my disputes, I called the US Department of Education and was able to speak with several people ; however, they all refused to help me, and I was hung up on several times. These inaccurate reportings have decreased my credit by over XXXX points which is affecting my life in a negative way. It seems as if these inaccurate reportings may be due to my name, which is indicative of my race. This potential profiling seems to be halting corrections on my account by all parties involved : US Department of Education and Equifax. I tried disputing the inaccurate reportings several times and it just keeps getting worst for me. More and more inaccurate reportings keep appearing on credit. I dont know what else to do. The US Department of Education and Equifax refuses to do anything to help me. I have no hope in either company and can only hope that these issues could be rectified as soon as possible by the Consumer Financial Protection Bureau. Please see attachments for evidence of my claims. 

Respectfully, XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
Paypal refused to cancel a {$30.00} transfer my wife and I made in good faith for a purchase that turned out to be fraudulent Case Number : XXXX. The payment was made on XX/XX/2020 Transaction ID : XXXX and was supposed to be for the purchase of tickets to an outdoor venue from a private seller. We never received anything from the seller after making the payment through Paypal, because we were defrauded. My wife and I tried numerous times to reach out to the seller via e-mail and XXXX but received only a single response that seller would confirm receipt of the funds. 24 hours later, I disputed the transfer in order to cancel it. Paypal took 23 days to review my dispute and finally decided to allow the criminal keep our money. Paypal e-mailed me information about their decision and provided a phone number XXXX to inquire about the processing of the dispute ; however, the number Paypal provided is a non-working number as of XX/XX/2020. The dispute has not been resolved to my satisfaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
XXXX XXXX CLOSE MY XXXX XXXX CASES!!!!! I'VE ALREADY OPENED 3 AND THIS XXXX  IS NOT RESOLVED!!!! I GOT A CALL FROM A XXXX NEW NOTARY TODAY STATING I HAVE TO SIGN MY COVID19 FORBEARANCE PLAN AGAIN! I SIGNED THIS XXXX  IN XXXX! MY SISTER SIGNED HERS FROM TEXAS! I WAS APPROVED & ACCEPTED. HUD GAVE THESE XXXX SCAMMERS THE XXXX XXXX MONEY. MY PAYMENTS WERE APPLIED. THEY DON'T EVEN KNOW WHO SUPPOSEDLY SIGNED WRONG! THEY'RE XXXX SCAMMING LIARS. I WANT THIS ESCALATED TO SOMEONE WHO I CAN COMPLAIN TO FOR FRAUD! I WANT TO START A CASE IN CIVIL COURT FOR THEIR DISGUSTING NEGLIGENCE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10 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: CA

Complaint narrative:
I disputed information with XXXX, and Experian with regards to account XXXX   preferred, {$3100.00}. The phone number and address to the creditor are both non -working so theres no way to verify who signed up for this account. The information the creditor provided for the last several years are not working and thus all these months have not been able to get this resolved. It is very unfair that Experian and XXXX  continued to report that account for so long. Ive asked that the account be deleted but they continue to report. They have not done due diligence in verifying since non of the information the creditor is reporting is accurate ( phone number and address ). How can XXXX  and Experian say theyve investigated if the creditor information is non-working for all this time. Please delete the account from my file.

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