vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-13 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ECMC GROUP, INC.
State: TX

Complaint narrative:
This complaint is in reference to XXXX XXXX XXXX XXXX, and the company they represent, Educational Credit Management Corporation. On XX/XX/2020 I pulled a copy of my credit report to find that there is an additional balance for the same account yet only one balance listed on the statement I received in the mail. I also noticed that the account has an opening date listed with XXXX  and XXXX  but missing an opening date for XXXX  and showing the account as closed. I contacted the debt collectors ( XXXX XXXX XXXX XXXX ) and requested proof of validation on the account. I also asked that all collection efforts cease and desist. In return I received a copy of an itemized list of the same information that I disputed and a copy of a promissory note from Educational Credit Management Corporation. In review of the itemized list I noticed that there was a difference in the total balance and interest balance listed. On the statement dated XX/XX/2020 XXXX part of the list showed the interest balance as {$580.00} and the other part of the statement showed the interest balance as {$700.00}. The statement also showed one part of the total balance as {$8100.00} and the other part as {$8300.00}. I then contacted XXXX XXXX XXXX XXXX requesting more proof of validation and I did not receive a response within the 30-day validation period. I made a final attempt at obtaining sufficient proof of validation on the account but was unsuccessful. I also requested that the inaccurate, misleading, invalidated account is removed but received no response to that request as well.

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 2020-06-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: ROBINHOOD MARKETS INC.
State: AL

Complaint narrative:
Trying to make an investment and sync my account for a transfer but the bank will not allow it. Its an inconvenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 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: FL

Complaint narrative:
To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 
Creditor : XXXX  So Cr Rec Opened XX/XX/XXXX {$190.00} Original creditor : XXXX XXXX XXXX So Cr Rec Opened XX/XX/XXXX {$120.00} Original creditor : XXXX  XXXX  XXXX  XXXX  XXXX  Opened XX/XX/XXXX {$120.00} Original creditor : XXXX XXXX XXXX Cred Mgmt Opened XX/XX/XXXX {$160.00} Original creditor : XXXX XXXX XXXX  XXXX Cred Mgmt Opened XX/XX/XXXX {$550.00} Original creditor : XXXX XXXX XXXX  XXXX Cred Mgmt Opened XX/XX/XXXX {$490.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$26.00} Original creditor : XXXX  XXXX  XXXX  XXXX  XXXX  XXXX  XXXX  A Opened XX/XX/XXXX {$430.00} Original creditor : XXXX  XXXX  I understand that mistakes happen but your inaccurate information is costing me money in higher interest rates and I have enough expenses as is. Please investigate the following information and either remove it or at least send me the information that you used to add it to my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
2nd Request. Please remove these accounts that aren't mine.

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 2020-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
These are not my accounts. Please remove them.

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 2020-06-13 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: NV

Complaint narrative:
2nd Request. Please remove these accounts that aren't mine.

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 2020-06-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 
Creditor : COLLECTIONS XXXX XXXX XXXX Opened XX/XX/XXXX {$190.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$120.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX {$430.00} Original creditor : XXXX XXXX XXXX  XXXX XXXX XXXX Opened XX/XX/XXXX {$550.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$490.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$160.00} Original creditor : XXXX XXXX XXXX XXXX I understand that mistakes happen but your inaccurate information is costing me money in higher interest rates and I have enough expenses as is. Please investigate the following information and either remove it or at least send me the information that you used to add it to 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 2020-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
2nd Request..these are not my accounts.

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 2020-06-13 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: LA

Complaint narrative:
I am victim of identity theft someone has used my social to get medical care and another account in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
There are some suspicious activities that occurred on my chase checking account on XX/XX/XXXX. Including two unauthorized deposits for a total of {$5800.00} and one unauthorized teller withdrawal for {$600.00}. 
On XX/XX/XXXX I noticed these suspicious activities and I contact the customer service immediately telling them I believe this is done by a fraudster and I'm a victim of identity theft. I explained that when I renew my driver 's license in XX/XX/XXXX, it was lost in the mail. After that I keep receiving mail from other banking institution about someone is trying to open accounts under my name. By this evidences, I assume that my driver 's license was been stolen and identity theft is taking advantage of it. After hearing my explanation, the chase bank customer service freezes my account to prevent further damage. 
On XX/XX/XXXX, chase bank returned the unauthorized deposits for a total of {$5800.00} from my account but the unauthorized withdrawal was still within my account. 
On XX/XX/XXXX, I went to the chase XXXX XXXX branch to submit a UCC form for them to investigate this unauthorized transaction in order to reimburse my account. The chase bank representative also helps me to open a new account and transfer the balance to new account which is negative this time. 
On XX/XX/XXXX, I report the identity theft to FTC. 
On XX/XX/XXXX, I report identity theft to the local police department. 
On XX/XX/XXXX, I received the notification from chase bank stated my claim is denied, they refuse to reimburse my account because they believe the transaction was authorized and chase bank customer service representatives say there's no appeal process I can take.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-13 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: NV

Complaint narrative:
2nd Request..these are not my accounts.

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 2020-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
2nd Request..these are not my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 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: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
Credit Acceptance Corporation has recently started displaying an account status of late 120 days on my credit report. This is incorrect as the account was previously reported as a repossession & was previously charged off. I have never received any response to validation of debt requests nor any response to this issue. The account is too old to be reported on my credit report according to Texas state law. This is my final attempt to resolve the issue before filing suit according to FCRA & the Texas Fair Debt collection act. I do not acknowledge this debt as I have never received validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
These are not my accounts nor am I late due to Covid Rules on any of my student loans. Please reverse all late payments 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 2020-06-13 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: NV

Complaint narrative:
These are not my accounts nor am I late due to Covid Rules on any of my student loans. Please reverse all late payments 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 2020-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
These are not my accounts nor am I late due to Covid Rules on any of my student loans. Please reverse all late payments immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am victim of identity theft someone has used my social to get medical care and another account in 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 2020-06-13 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am victim of identity theft someone has used my social to get medical care and another account in 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 2020-06-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA
State: PA

Complaint narrative:
Every student loan I have ( 28 ) that said $ XXXX  is due and it is I. Good standing was put on my credit report had a negative mark. 1 loan which is in default was never put into good standing as was the directive from the US Department of Education. I also asked several times to consolidate them all and it still had not been done. My credit score has dropped 200 points since COVID-19 started and they reported all this. I also have asked multiple times to send me a bill which they have never done. All they say is that they emailed me. I never opted To have eBilling ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
This retail store Walmart merger with capital one since that time it has resulted in missing payments not credited and late payment fees added in error also, I have been sending auto payments to this company on a monthly basis from my checking account, they have more than 3 different customer service numbers call XXXX XXXX in the XXXX and XXXX XXXX I called XX/XX/1920 with no results with all the so called customer service representatives New address to send your payments to in North Carolina, they stated that they do not have any email address for customer service issues regarding billing issues, you have to send them a letter but to Utah. 

They are very XXXX  and suspicious, not to be tolerated by any means of common sense.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: MD

Complaint narrative:
I am trying to link my business checking account to my new online payroll company, XXXX via XXXX. The alert I received when trying to sync the accounts is that PNC made changes that prevents my account from linking.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
This is not my account. Please remove it.

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 2020-06-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
I received a voicemail from a XXXX number on XX/XX/2020 and that her name is XXXX XXXX and she explained that she is calling about a case that is being filed to my county office. She said by law she was making me aware that case # was being filed with the county and becomes a matter of public record & there is an order for my location. Since she could not reach me by phone she has been instructed to call my employer & speak to my supervisor since this will be the best place of locating me. She said I have the legal right to contact the proceedings office that is handling my case but I have to speak with them before my case gets filed because once my case is discharged from there office my legal rights are forfeited. The phone # to their office is XXXX. I have to speak to someone in their legal department and this is considered a legal notification to locate me. So I called XXXX and they asked me my name and case #, social security # and proceeded to tell me that I have an outstanding debt with Ace Cash Express and that they going to start proceedings against me and asked where I work and if I have a lawyer to put on file. I told them I never heard of a company doing this before and I will not comply with them. My boss texted me that morning and said that they called her asking if I work there, what is my home address and phone #. They also told her the case # and that they were going to send a sheriff to locate me and that I am in contempt and have allegations against me. I was extremely applaud by this manner. Even after they knew where I lived and I had never received any letters or anything from this company. I should not be threatened that I have allegations against me or that a sheriff will come for me over a debt. I am extremely upset they told my boss all this information and again told her there is allegations against me over a debt as well. She did not comply with them either.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT FILE AND FOUND SOME INACCURATE ACCOUNTS AND INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT HAVE BEEN MADE BY ME. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT FILE. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE NEGATIVE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT FILE AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX has recently started displaying an account status of late 120 days on my credit report. This is incorrect as the account was previously reported as a repossession & was previously charged off. I have never received any response to validation of debt requests nor any response to this issue. The account is too old to be reported on my credit report according to Texas state law. This is my final attempt to resolve the issue before filing suit according to FCRA & the Texas Fair Debt collection act. I do not acknowledge this debt as I have never received validation.

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 2020-06-13 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX has recently started displaying an account status of late 120 days on my credit report. This is incorrect as the account was previously reported as a repossession & was previously charged off. I have never received any response to validation of debt requests nor any response to this issue. The account is too old to be reported on my credit report according to Texas state law. This is my final attempt to resolve the issue before filing suit according to FCRA & the Texas Fair Debt collection act. I do not acknowledge this debt as I have never received validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 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: TX

Complaint narrative:
XXXX XXXX XXXX has recently started displaying an account status of late 120 days on my credit report. This is incorrect as the account was previously reported as a repossession & was previously charged off. I have never received any response to validation of debt requests nor any response to this issue. The account is too old to be reported on my credit report according to Texas state law. This is my final attempt to resolve the issue before filing suit according to FCRA & the Texas Fair Debt collection act. I do not acknowledge this debt as I have never received validation.

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