vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I am not the primary account holder and have no control or option to resolve this account but i can tell you that I was sick with advanced stage XXXX a few years ago. During that time I was away seeking treatment. I tried to fight this through the credit bureau with no success, At this time I am not doing well physically with regards to my XXXX. I don't know who to turn to in regards to this account. Every time I try to get through I hit a brick wall and being my time is limited I would like this resolved. This company has multiple accounts with my name involved.

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 2020-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I was sick with XXXX XXXX  XXXX a few years ago. During that time I was away seeking treatment. After months of being away I come to find someone that had rented from me had taken my account numbers and information. I tried to fight this through the credit bureau with no success, At this time I am not doing well physically with regards to my XXXX. I don't know who to turn to in regards to this account. Every time I try to get through I hit a brick wall and being my time is limited I would like this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
Paid account in full all payments on time on the requested due date per invoice. Company placed the end of promotion date just 2 days earlier. We were entraped by fine print. Called to settle within 3 days. No concession over a 2 day miss on the final payment. Company demands interest on the total amount day one. Offered to split it. No Offered to wire the invoice NO All other banks and CC cards we deal with have the due date and promotion date match avoiding this entrapment. Every company I have ever had to call about a rare mistake overlooked the small amount when offered a wire transfer or mediate resolution. Watch out for these sharks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-29 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: IL

Complaint narrative:
I am a victim of identity theft. I have notified Trans Union several times & they still report this fraudulent information. I have provided copies of my ID, social security card, police report as well as an identity theft report. The following accounts listed for Dept of EdXXXX in the amount of {$4100.00}, {$3500.00}, {$2100.00}, {$1800.00}, {$910.00}, & {$870.00}. DO NOT BELONG TO ME. THESE are not my accounts. 
XXXX XXXX XXXX in the amount of {$1500.00} & {$530.00} DO NOT BELONG TO ME. I have explained I have no knowledge of these accounts disputed with all proof but Trans union keeps reporting these fraud accounts. Please Remove & BLOCK these accounts as they are fraud.

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 2020-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I was XXXX with XXXX XXXX XXXX a few years ago. During that time I was away seeking treatment. After months of being away I come to find someone that had rented from me had taken my account numbers and information. I tried to fight this through the credit bureau with no success, At this time I am not doing well physically with regards to my XXXX. I don't know who to turn to in regards to this account. Every time I try to get through I hit a brick wall and being my time is limited I would like this resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: HYUNDAI CAPITAL AMERICA
State: IL

Complaint narrative:
I have been trying every day ti get ahold of Hyundai Finance to discuss my financial hardship due to lost wages from the coronavirus pandemic. Their phone lines say " we are experiencing technical difficulties '', yet they are having no issues taking my money monthly. When I contacted the individual dealership, they said they do not know anything and can not do anything.

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 2020-03-29 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: SC

Complaint narrative:
These accounts are not my accounts reporting.

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 2020-03-29 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: IL

Complaint narrative:
I have contacted Equifax several times explaining that the following accounts do not belong to me. I have sent all requested documents ID, Social Security card, Police report, and Identity theft report. I have informed Equifax that the information they are reporting is FRAUD. I am asking that the following fraud accounts be DELETED & BLOCKED from my credit Report. Dept OF ED/XXXX {$2100.00}, Dept OF ED/XXXX  {$4100.00}, Dept OF ED/XXXX  {$1800.00}, Dept OF ED/XXXX  {$910.00}, Dept OF ED/XXXX  {$870.00} & XXXX XXXX {$300.00}. I have contacted you over & over again. Due to you reporting this information in error has cause a huge effect on my life. I am asking that you please DELETE & block all these fraud accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: NV

Complaint narrative:
On XX/XX/XXXX, I had made a {$300.00} payment towards my rent. Also I had a {$40.00} payment, a {$20.00} payment, a {$25.00} and another {$20.00} payment pending. On XX/XX/XXXX, I had a {$270.00} payment. But what happened, was that the withdrawals got shuffled around and a few small payments were rejected as well as fees incurred. In the meantime, I had {$300.00} deposited but I have had over {$200.00} in fees. 

My place of employ was shut down because of the health crisis and I have no idea when I will be able to go back to work. I simply do not have the income to be playing these games with my bank. Many places are waving fees to help with this crisis ( like my utilities which is nice because that was one of my rejected payments ) but apparently not this institution which appears to be using this global time of health and financial crisis to net a profit for themselves.

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 2020-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
HELLO, HAVE HAD MY CREDIT TOREN UP. 

WITH THE USA.EXPERERIAN.COM. 

FOR THE, XXXX  XXXX XXXX. 
CREDITOR XXXX XXXX {$930.00} OFF ACCOUNT INFO ACCOUNT NUMBER XXXX COLLECTIOM OPENED XXXX XXXX2019 TYPE FACTORING COMPA THERE TWELVE LATE PAYMENTS DO FROM THIS FACTORS. 

TAKE ALL FAULT REPORTS OFF MY CREDIT SCORE. 

THANK YOU. 

HAVE A NICE DAY.

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 2020-03-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: WA

Complaint narrative:
On XX/XX/XXXX, I recived a notice in the mail from an entity called Convergent Outsourcing , Inc . This notice recd from Convergent Outsourcing is dated XX/XX/XXXX, and indicates that it was mailed on behalf of XXXX, in which they refer to as their client. It also annotates what they claim to be a 'balance due ' of {$120.00}. This is in reference ( Im guessing ) to the only XXXX  account Ive had before, and closed/cancelled in XX/XX/XXXX. This notice also states : 'our client has advised us that they are willing to satisfy your account in full for 50 % of your total balance '. In addition, at the time the XXXX  account was closed/cancelled in XX/XX/XXXX, there was a balance of {$47.00} - which was paid in-full, and in conjunction with the account cancellation. The modem equipment was prompty returned via XXXX XXXX XXXX per instructions provided by XXXX. There were no other invoices or correspondence of any kind received directly from XXXX  after the account cancellation, balance payment, and return of equipment.

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 2020-03-29 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: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
After filing my last complaint about the 30day late payment in XX/XX/2020, Lakeview agreed to remove late payment and update the account to all credit bureaus. It has been over 30 days and Ive checked my credit and the it is still showing a 30day late on 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 2020-03-29 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: MO

Complaint narrative:
There are unverified accounts that remain on my report. I have tried multiple times to get these accounts removed ; the credit agency has not provided a method of verification yet they continue to report negative items that impact my ability to be approved for other lines of 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 2020-03-29 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:
After filing my last complaint about the 30day late payment in XX/XX/2020, XXXX agreed to remove late payment and update the account to all credit bureaus. It has been over 30 days and Ive checked my credit and the it is still showing a 30day late on Experian.

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 2020-03-29 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: MO

Complaint narrative:
There are unverified accounts that remain on my report. I have tried multiple times to get these accounts removed ; the credit agency has not provided a method of verification yet they continue to report negative items that impact my ability to be approved for other lines of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29 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: MO

Complaint narrative:
There are unverified accounts that remain on my report. I have tried multiple times to get these accounts removed ; the credit agency has not provided a method of verification yet they continue to report negative items that impact my ability to be approved for other lines of 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 2020-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Consumer Financial Protection Bureau I am writing you regarding SANTANDER BANK N. A. who has violated the Bank Privacy Act. 
We have been a customer of SANTANDER BANK ( formerly XXXX XXXX  ) for the past 10 years. XXXX XXXX XXXX established this account under XXXX XXXX in the center city XXXX in XXXX. The authorized signers on this account are XXXX XXXX and XXXX XXXX. 

The problem occurred XXXX/XX/XX/XXXX when SANTANDER BANK attempted to give our account to someone else named XXXX XXXX at a branch in New Jersey. And from what I understand from Fraud Department that this person had to tell them the account was not hers, let alone XXXX XXXX was a child of XXXX years old. 

I contacted the bank on several occasions about this matter and let them know that since our account had been compromised that I wanted them to open another account. At this point they informed me that to open another account I would have to complete a Certificate of Organization for a Limited Liability Company and pay {$120.00} to do so. I let them know they caused the problem and needed to correct the situation so we could continue doing business, and they did nothing. 

I have attached three ( 3 ) letters I sent to SANTANDER BANK addressing ; XXXX XXXX the branch manager at XXXX XXXX XXXX XXXX PA XXXX, XXXX XXXX customer service manager #  XXXX, XXXX XXXX, Co-President/head of Consumer & Business Banking and XXXX XXXX, CEO all sent via email. 

I would like it to known that SANTANDER BANK violated our privacy and should be sighted for that and the way they have inconvenienced us because of their lack of procedures. 

I appreciate you looking into this matter and you can contact me by email or telephone.

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 2020-03-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
This company represents XXXX XXXX. I paid XXXX XXXX directly the {$110.00} they said was owed. I never received any correspondence from Caine and Wiener. I noticed their information when I was denied my HOME loan based off of their entry to my credit profile.Someone please help. I have made a complaint and a formal dispute with Caine & Weiner, XXXX, and Attorney General of California, Georgia, and Texas. My end resolution is to get this entry deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29 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: NY

Complaint narrative:
I live in NY which is the hardest hit with COVID19 I am NOT essential personnel and have been ORDERED To remain home on quarantine. In this time I have been unable to work whatsoever and all money is to survive and buy basics until we are allowed to work again. I have tried to contact Capital One since this whole thing has occurred. For WEEKS not days but WEEKS when ANY number on the email or back of card is called it would just explain that the call volume is too high and would just hang up. I sent emails as well LONG before my payment was due. Now I am STILL expected to pay minimal payments for the month and the only help this company is willing to offer now that they are destroying my good credit with lates being reported to the credit agencies as I have been told by Capital One staff today since I was finally able to get through. My Issue is that being under a governmental state of emergency with no income how exactly does Capital One expect anyone to pay their bill when ALL other companies offer programs to postpone these things? They are RUDE and the so called management I spoke to explains that you can not speak to her boss. So I asked " Are you as high up in Capital One I can talk to? '' and she said " YES '' that I am unable to speak to anyone higher. So I explained with that rationale then is there anything more we can come up with to help in these hard times? And I was told NO. Capital One is a TERRIBLE company with no care for anyone else no matter what is going on in the world and I am registering my situation here that others may register theirs if they are frustrated that to keep their good credit they have to part with money that is supposed to be used to eat when you are not working and make sure they pay it to Capital One! 
My complaint concerns : a Credit Card

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29 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: IL

Complaint narrative:
I have contacted Experian & explained that I have been a victim of Identity theft, I have sent you a police report, ID, social security card & identity theft report. You keep reporting the following accounts that I have requested that you delete & block in the past. These accounts for XXXX XXXX  {$300.00}, XXXX XXXX {$1000.00}, XXXX XXXX {$1500.00}, XXXX XXXX {$400.00}, XXXX XXXX XXXX, Along with several accounts from DEPT OF EDXXXX. These are not my accounts and I am asking that this information deleted & blocked 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 2020-03-29 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: JPMORGAN CHASE & CO.
State: WV

Complaint narrative:
In XXXX of 2019 I Called Chase to get what they would take to pay off my dept. I then give this to XXXX XXXX to pay off and add to my refinance my load. I had my payments setup on auto, and they kept taking out payments. My dept should be payed in full but they kept taking payments so I have call them and call them and no resolve. They still say I am behind on payment. They keep charging me interest and late payments.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: GA

Complaint narrative:
Discover financial services has infringed upon my right to privacy as a consumer, and they have violated the following laws under USC 1692 : 1. USC 1692b. ( 2 ) 2. 1692b. ( 5 ) 3. 1692c. ( 3 ) 4.1692d. ( 2 ) 5. 1692c. ( 1 ) Now before you allege that you're not a debt collector please be advised that you are. Pursuant to USC 1692a : ( 6 ) The term debt collector means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. Notwithstanding the exclusion provided by clause ( F ) of the last sentence of this paragraph, the term includes any creditor who, in the process of collecting his own debts, uses any name other than his own which would indicate that a third person is collecting or attempting to collect such debts. For the purpose of section 1692f ( 6 ) of this title, such term also includes any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the enforcement of security interests. The term does not include

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Second Round Limited Partnership, Austin, TX Branch
State: PA

Complaint narrative:
On XXXX, XXXX, 2020 I contacted Second Round LP/Second Round Sub LLC requesting debt verification of {$360.00} they are claiming on my credit report. As attached, I requested specific verification with my signature to show my agreement between myself and Secound Round but instead they responded on XX/XX/2020 with bills. Bills are not verification and this was also stated in my request to them that, " Bills, and any statements that are originated from a secondary part are not considered validation of debt to you. 
Unless Second Round LP can provide proper validation as recognized in FCRA 15 U.S. Code 1692g '' I  requested that they delete all the information they reported unless they had proper validation which they failed to provide.

Company response to consumer: Closed with explanation