vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
i have reached out to these company 's and they will not help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
I Received a collection from Convergent for an unpaid XXXX XXXX XXXX bill, I don't have an account With XXXX XXXX XXXX The back of the notice says unless you notify this office within 30 days after receiving this notice that you dispute the validity of the debt, this office will assume the debt is valid? I received the notice XX/XX/2021 I googled the company and it seems like this is s scam so I have not tried to reach out to them because i don't recognize the charges. And do not want to deal with a company that is not legitimate in any way

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 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: CA

Complaint narrative:
IN A PAST I HAVE BEEN A VICTIM OF IDENTITY THEFT AND MY PERSONAL INFORMAITON WAS USED TO OBTAIN CREDIT AND SERVICES WITHOUT MY CONCENT. I HAVE CONTACTED THESE CREDITORS AND SENT THEM AN IDENTITY THEFT REPORT REGARDING THIS MATTER. THESE CREDITORS AGREED TO DELETE THEIR INFORAMTION FROM MY REPORT BECAUSE IT WAS OPENED UNDER FRAUDULENT ADDRESS AND EMPLOYMENT. WITH THE SAME INFORMATION I HAVE CONTACTED THE CREDIT BUREAU BUT THEY ARE REFUSING TO REMOVE THESE FRAUDULENT ACCOUNT FROM MY REPORT. THERE ARE THREE ACCOUNTS WHICH ARE FRAUD RELATED AND BECAUSE THIS FRAUDULENT INFORAMTION I AM NOT ABLE TO OBTAIN MY STUDENT LOAN TO CONTINUE MY EDUCATION. PLEASE 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 2021-10-25 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: CA

Complaint narrative:
IN A PAST I HAVE BEEN A VICTIM OF IDENTITY THEFT AND MY PERSONAL INFORMAITON WAS USED TO OBTAIN CREDIT AND SERVICES WITHOUT MY CONCENT. I HAVE CONTACTED THESE CREDITORS AND SENT THEM AN IDENTITY THEFT REPORT REGARDING THIS MATTER. THESE CREDITORS AGREED TO DELETE THEIR INFORAMTION FROM MY REPORT BECAUSE IT WAS OPENED UNDER FRAUDULENT ADDRESS AND EMPLOYMENT. WITH THE SAME INFORMATION I HAVE CONTACTED THE CREDIT BUREAU BUT THEY ARE REFUSING TO REMOVE THESE FRAUDULENT ACCOUNT FROM MY REPORT. THERE ARE THREE ACCOUNTS WHICH ARE FRAUD RELATED AND BECAUSE THIS FRAUDULENT INFORAMTION I AM NOT ABLE TO OBTAIN MY STUDENT LOAN TO CONTINUE MY EDUCATION. PLEASE HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: VA

Complaint narrative:
Contacted LoanCare LLC on XX/XX/XXXX to obtain a payoff amount/date. I was told via phone of the payoff amount ( {$59000.00} ) that would be good thru XX/XX/XXXX and the customer service rep also said they would send an email with the information. Based on the amount provided over the phone, I submitted a payment to satisfy my balance. This payment was submitted in the same manner as all payments have been submitted which is an electronic transfer from my bank. This transfer was received by LoanCare on XX/XX/XXXX. 

I had not heard back from the company and called them today ( XX/XX/XXXX ). I was told by the customer service rep that my payment had been received but had not been applied to my loan. The rep stated that because the payment wasn't submitted by Cashier's/Certified check or wire transfer it would not be applied to my loan until Friday XX/XX/XXXX, 10 business days after LoanCare received the payment. 

I stated this doesn't make sense, this was never explained to me and that I submitted the payment as always and by holding my payment for 10 days this would cost me extra interest. I stated the payment should be applied based on the date the payment was received ( XX/XX/XXXX ). The rep stated that wasn't their policy and it would be applied as of 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 2021-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
i have reached out to these company 's and they will not help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-25 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: CA

Complaint narrative:
IN A PAST I HAVE BEEN A VICTIM OF IDENTITY THEFT AND MY PERSONAL INFORMAITON WAS USED TO OBTAIN CREDIT AND SERVICES WITHOUT MY CONCENT. I HAVE CONTACTED THESE CREDITORS AND SENT THEM AN IDENTITY THEFT REPORT REGARDING THIS MATTER. THESE CREDITORS AGREED TO DELETE THEIR INFORAMTION FROM MY REPORT BECAUSE IT WAS OPENED UNDER FRAUDULENT ADDRESS AND EMPLOYMENT. WITH THE SAME INFORMATION I HAVE CONTACTED THE CREDIT BUREAU BUT THEY ARE REFUSING TO REMOVE THESE FRAUDULENT ACCOUNT FROM MY REPORT. THERE ARE THREE ACCOUNTS WHICH ARE FRAUD RELATED AND BECAUSE THIS FRAUDULENT INFORAMTION I AM NOT ABLE TO OBTAIN MY STUDENT LOAN TO CONTINUE MY EDUCATION. PLEASE 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 2021-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I honestly think the bank picks and chooses when they'll accept or deny transactions for automated payments. Since having this checking account in XX/XX/, I've had more than one overdraft fee posted to my account. I contacted the bank more than once to request of having fees waived or refunded. They've only one it one time for {$36.00}. They've made over $ 1,000+ dollars in overdraft fees alone and I just started back working again after being unemployed for over a year. By this time next month, I'm transferring my money to a place where I'm not charged overdraft fees and can hold on to money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 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: GA

Complaint narrative:
I have been a victim of identity theft for over 4 years. Someone has consistently use my information to fraudulently obtain accounts including bank accounts, loans and cars. The bureau has all of the information pertaining to these incidents, yet the accounts are still on my credit. One account was removed previously and is now being reported again. The person that is using my credit is believed to be a family member. I have sent in updated police reports as well as FTC reports to document these incidents. I want these fraud accounts removed from my credit 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 non-monetary relief
Consumer complaint received 2021-10-25 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: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
According to usc 1681a under exclusions ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Consumer meaning individual ( me ) and person ( means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity ). I would like to have the late transactions removed from my report immediately. Milestone  late payments I would like removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
* I applied for a checking account online with Chase on XXXX. The application was accepted and the account was boarded. 

* I made a small deposit to my new Chase checking account from my existing XXXX XXXX XXXX account on or around the same day. The money did materliase in my Chase account. 

* I received a debit card in the mail on or around XXXX. 

* On XXXX I received an email notification from Chase, requesting I establish a direct-deposit with my new checking account. I attempted to logon into my online profile, however was informed that my account was locked due to suspicious activity. 

* I attempted to contact Chase the following day on XXXX. I was informed I needed to speak to a special team and to call back the next day. 

* I called back on XXXX. I was on hold for one hour and ten minutes, when the call was abandoned by Chase. 

* I called back on XXXX. I was informed that my account was closed due to identity theft concerns. I asked what were the " red-flags '' that triggered identity theft concerns. I was informed I did not submit any proof-of-identity when the account was boarded and the bank did not know who I was.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
COMENITYCAPITAL/CART at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX did not help me in the time of need. I returned the product back to the store and was told I would get refunded the money back to my credit card. I've called them to ask if they could remove the late payments because it wasn't my fault. Every time I call someone tell me that they can not remove the late payments. Its not my fault, this is wrong and unfortunately its stopping me from getting a home for my kids & I.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I bought a machine thru XXXX and paid with PayPal. The seller sent me a COMPLETELY different machine than what I ordered and not only is it not what I ordered the machine I received is broken. I have gone back and forth since the day I received the machine with the seller, XXXX and ultimately filed a dispute with PayPal on XX/XX/. PayPal has pushed the resolution date back 14 times and is allowing fraud. Ive been given every excuse in the book even after Ive sent countless photos, videos to prove what I ordered and what I received are not the same and the machine is non functional. The seller finally agreed to refund if I sent the machine back but has given a non deliverable return address, again Ive screenshoted that the address provided is not a valid address to PayPal six times and theyve done nothing but protect this fraudulent seller.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I been banking with suntrust for fee years. I have power of attorney over my husband because he is XXXX  and XXXX XXXX. His checks have been coming into my account direct deposit and paper check. I Make monthly deposit .my account has been frozen. I brought all documents my husband. I was told my account is closing and I will receive a check in 7 to 10 business days. It's been 3 weeks and no access to my money I don't have access and I am stranded. This is wrong. I need my money 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 2021-10-25 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: TX

Complaint narrative:
I am XXXX XXXX consumer and natural person. I contacted Capital on Monday XX/XX/2021 and first spoke with XXXX, who informed me that my account was closed. I am shocked and enraged after my 30 minute hold withXXXX, XXXX then tranferred me to his supervisor XXXX who was nothing more than a LIAR! She yelled and told me that she was the highest point of Contact which is a lie I am pretty sure she is not the CEO or president of Capital One. I am disgusted that Capital One is under the impression that as a company they are allowed to violate and disregard my consumer rights. I remitted my payment in the amount of {$2200.00} and instead of demonstrating in honor Capital One employess are acting above the FDCPA law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 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: GA

Complaint narrative:
I have been a victim of identity theft for over 4 years. Someone has consistently use my information to fraudulently obtain accounts including bank accounts, loans and cars. The bureau has all of the information pertaining to these incidents, yet the accounts are still on my credit. One account was removed previously and is now being reported again. The person that is using my credit is believed to be a family member. I have sent in updated police reports as well as FTC reports to document these incidents. I want these fraud accounts removed from my credit 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 2021-10-25 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: National Credit Adjusters, LLC
State: MD

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve.The 3 Credit Bureaus are reporting inaccurate information on NATIONAL CREDIT ADJUST. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
i the consumer sent XXXX XXXX XXXX a debt validation letter certified mail pursuant to 15 usc 1692g they received XXXX They sent correspondence they were gon na cease communication and collection activities and they have yet to do so. in regards to inaccurate accounts with XXXX XXXX  XXXX  i have no business with this company and have no idea how they even have any of my personal jnformations. This account is listed as an account buyer which is illegal. So my information was clearly stolen and retrieved somehow by this company. This company continues to violate my rights per 15 usc 1681s-2 by continuously smearing my reputation and reporting information that i have informed them was incorrect and inaccurate and false. This company this company continuously violates 15 usc 1692f reporting this false inaccurate information to my credit report ( postcard ). If this cant be rectified in a timely fashion I will left will no choice but to send an AFFIDAVIT OF TRUTH along with all my exhibits to this company to start the court process.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC.
State: OR

Complaint narrative:
I attended XXXX XXXX and I have debit from them. I have a degree with them but it is no good and they conned me into going to this school and then closed. Now Navicat has nothing to work with me. I need forgiveness. Can someone call me to better explain XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 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: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. This item is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

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 2021-10-25 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Hi, Over the past few months I have consistently identified inaccurate information reporting from a debt collector ( Midland Credit XXXX  ) and they continue to revert to information that is not accurate. At this point there have been over 6 separate changes, and each time my credit score drops - from what I've researched, the inconsistency in credit information impacts my creditworthiness and my ability to apply for anything that involves a credit check. Items that have been listed incorrectly are date of first delinquency with original creditor, the amount I owe continues to increase by $ XXXX month over month, it was listed as closed one month and 3 new accounts the next which hit my credit hard, the account type and status changes regularly, and I've even been listed to be 30 days past due on payments. At this point it is getting very cumbersome to see a change to my credit multiple times a month, I'm unable to plan for my future at this point, and this is becoming what I would consider abusive as my credit score is constantly changing due to information accuracy inconsistency. This is impacting my ability to apply credit as I'm reactive to see what new information they want to change. This constant change of my credit information is both impacting my life and feels as if I'm being harrassed when I'm constantly surprised by their changes. They have proven that they are not able to provide accurate information consistently and at this point I would like accounts from Midland Credit XXXX  removed as my right to have accurate information reporting to my credit without changing multiple times a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc.
State: MI

Complaint narrative:
I sent the bureaus a debt validation letter certified mail pursuant to 15 usc 1692g they received XX/XX/2021. in regards to inaccurate accounts with The Bureaus i have no business with this company and have no idea how they even have any of my personal jnformations. This account is listed as an account buyer which is illegal. So my information was clearly stolen and retrieved somehow by this company. This company continues to violate my rights per 15 usc 1681s-2 by continuously smearing my reputation and reporting information that i have informed them was incorrect and inaccurate and false. This company this company continuously violates 15 usc 1692f reporting this false inaccurate information to my credit report ( postcard ). If this cant be rectified in a timely fashion I will left will no choice but to send an AFFIDAVIT OF TRUTH along with all my exhibits to head to court.

Company response to consumer: Closed with explanation