vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-22 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: GA

Complaint narrative:
I, the natural consumer, in fact, has been violated by Capital One in numerous ways. I recently send Capital One a package including an Affidavit of Truth, Debt Validation Letter, Cease and Desist, Exhibits of Violations as well as an invoice for a remedy via certified mail ( XXXX XXXX XXXX XXXX XXXX ) and received a green PS Form 3811 showing the package was indeed received. Capital One has yet to seize reports until this alleged debt is validated as they are supposed to do as pursuant to consumer laws. Capital One is reporting that payments are received as agreed but my credit utilization is now showing 104 %. There is no delinquency reported and for the entire month of XXXX and XXXX this account is reported as an account in good standings. I do not consent to the obligation of tHis alleged debt. In addition to these things previously noted, Capital One has denied me an extension of credit several times with no explanations as to why the adverse action was taken upon me and denial of a credit extension has further led to my credit score being damaged due to high utilization percentages being shown on my report. My scores has taken a tremendous downfall over the time span of XXXX and and XXXX and this is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I entered a dispute with Experian and they received it on XX/XX/2021 with a certified mail return receipt.. I have not received any results from my dispute. Also have not received my consumer report and Consumer 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 2021-12-22 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THESE ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Winklevoss Exchange LLC
State: NY

Complaint narrative:
I have an account with Gemini. I was trying to send over funds and the service froze. After trying to send more funds to another account the server was overfilled. I froze my account and now want to unfreeze it to use my funds. I can not get into contact with the support team and need your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Union Home Mortgage Corp
State: MO

Complaint narrative:
Union Home Mortgage owes me my escrow funds and I was told I would receive them before XXXX  .. My loan refi closed on XX/XX/2021.. 
last week the XXXX phone rep stated the refund had been mailed .. this was a lie .. todays XXXX rep stated it was being processed and could not give me a mailing date.. These are my funds and there is NO reason why I should not have received them. 
XXXX has many complaints on this serious issue of XXXX holding back these refunds.. I want my escrow monies!

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 2021-12-22 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: TX

Complaint narrative:
XX/XX/XXXX I sent the credit bureaus a request to investigate the inaccurate items reported on my credit. I pulled a new credit report today XX/XX/XXXX and there were no updates changes, or response sent to me. It has been more than 30 days from the last dispute and I still have accounts with balance that should not have a balance. accounts outdated still reported and even accounts that are not mine. I am loosing patience and need help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio recovery is currently trying to collect a debt from me. My credit report is currently reporting three different days last active. 

XXXX XXXX XXXX XXXX XXXX XXXX I know this can not be right, As the day it was last active, would affect the day it would naturally fall off. 
I have sent portfolio recovery many certified letters trying to get this removed from my credit report. Now they are no longer responding to my letters telling me I have already complained about the same thing prior. They said they would not do an investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

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 2021-12-22 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: CA

Complaint narrative:
Midland Management is currently trying to collect a debt from me. 
My credit report is currently reporting 3 different days last active. 
Its actually reporting XXXX different years! 

XXXX XXXX XXXX XXXX XXXX XXXX I know this can not be right, as the day it was last active, would affect the day it would naturally fall off. Three different years is ridicuous! 
I have sent certified letters to Midland asking them to remove this erroneous account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/2021, I receive alert from of 3 big credit report Transunion, XXXX and XXXX about some of that company inquire my full credit report. 
I don't have idea about this company I never asking nothing, now the 3-report company 's refuse to be removed this inquire from credit report make a big problem for me bcs take like more the 2 years to remove from my credit report, damage my record. 
The company ask for my credit report was : XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-12-22 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: KEYCORP
State: GA

Complaint narrative:
I received a letter on Keybank letterhead from Keybank Prepaid Card Services XXXX XXXX XXXX XXXX, CO XXXX. It referred to an account ending in XXXX in my name. 

I don't have a prepaid card, so I called to get clarification. The young lady said it wasn't a scam, but she was aware of other people calling in about something similar. She asked for my birthdate to validate and then the call dropped. I'm not sure if this was a scam, so reporting it just in case.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 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: FL

Complaint narrative:
My identity was stolen to attempt to open credit cards and and mortgages/loans without my knowledge or consent. I need these removed immediately as it is affecting my ability to obtain a car and personal loan. I have reported this to the FTC and will attach my report here for you.

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 2021-12-22 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:
My identity was stolen to attempt to open credit cards and and mortgages/loans without my knowledge or consent. I need these removed immediately as it is affecting my ability to obtain a car and personal loan. I have reported this to the FTC and will attach my report here for you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 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: MA

Complaint narrative:
I have a XXXX XXXX XXXX Bank account that is supposed to be helping my credit as it is a secured credit card instead it is hurting my credit. The account # for this XXXX there is a late payment on XX/XX/2020 that is marked for 30 days late however, I have never missed this payment and this is a secured credit card as in my own funds. I need this error fixed asap with the 3 credit bureaus and as my only card this severely hurts my car as it is not allowing me to be able to go for rental applications.

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 2021-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: MO

Complaint narrative:
I was paying at the gas station at night. Made one purchase the next purchase denied. They closed the acc. Then I received a email? It said due to my name change they needed ID. I have no name XXXX  .I sent ID. I have been with chime over a year. I sent ID anyway. 

. No response and becouse my acc was closed I can't get my money or into my online acc. They will not talk live on the phone. Weird. Unusual. And they only use a robot to answer questions they never get back. Almost a week now. I want to know what.is going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: MD

Complaint narrative:
I just noticed my credit score dropped XXXX XXXX due to a debt collector Hunter Warfield saying I owe {$9900.00} I have never spoke heard received paperwork or anything from this company!

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 2021-12-22 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: FL

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THESE ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX 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 non-monetary relief
Consumer complaint received 2021-12-22 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: FL

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THESE ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: MD

Complaint narrative:
I had a XXXX account years ago that had 3 different telephone lines on it, I ported 2 lines to XXXX and asked the 3rd line transferred to my sister as a separate account which had her own information tied to it. As far as I knew it was her account and her responsibility. She paid her bill on time and I never received any bill or information about her account. I returned to XXXX about a year later and re-ported the numbers to a new account, which I currently use daily. I lost contact with my sister for a few years, but was made aware that she was evicted from her prior home. During this time I applied for credit and found out that she defaulted on her XXXX account and it showed up on my credit report. I was not made aware of this prior. My best guess is perhaps something was mailed to her prior address with my name, though I've never lived with her. The XXXX debt collector, Southwest Credit Systems , has not made an attempt to reach out that I am aware of or I would let them know it was not my debt. I am a current customer of XXXX and was when she apparently went into default, so I am unsure why accommodation was not made or any request to merge accounts was done if it was still under my social security number, which I asked that it not be. This is having a detrimental effect on my credit for such a low amount. I would like this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 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: FL

Complaint narrative:
My identity was stolen to attempt to open credit cards and and mortgages/loans without my knowledge or consent. I need these removed immediately as it is affecting my ability to obtain a car and personal loan. I have reported this to the FTC and will attach my report here for you.

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 2021-12-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
Mr. Cooper held the mortgage on my prior home. I sold my prior home, and Mr. Cooper provided the banking information to the title agency to which the house sale proceeds should be wired to, in order to settle my home loan. Mr. Cooper failed to tell the title agency that it had transferred the loan to XXXXXXXX XXXX prior to closing, and fraudulent accepted the money, when it should have gone to XXXX XXXX instead. Now, I am stuck in the middle trying to get the money from Mr. Cooper to XXXXXXXX XXXX so this mortgage can be settled. I would like Mr. Cooper not only investigated for fraud, but to resolve this issue on their own as it is completely their fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase does not accurately communicate the XX/XX/XXXX rule between their own departments... marketing constantly in late XXXX snail-mailed, and bombarded me with social media ads to upgrade my legacy XXXX Chase Business Visa card XXXX which does not show up on any personal credit reports ). When I called to upgrade, they said on XX/XX/XXXX to cancel my legacy business Chase SWA card, wait a few weeks for the credit bureaus to update and then reapply... but I was denied. 

Apparently, business cc 's and store lines of credit ( like XXXX ) do count against consumers. This is not disclosed. 

Please help hold Chase accountable so they will make it right. 

Warmly, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 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: GA

Complaint narrative:
Account name XXXX XXXX XXXX Account number XXXX collection account added to credit file without being verified : I Do not now nor have I ever had an account with this business, the original creditor has claimed the original debt as a tax write off therefore I am no longer liable. Please have this creditor XXXX XXXX XXXX provide a document with my original signature on it as required by law ( electronic verification is not acceptable ) since you have not supplied the demanded proof of the alleged debt During my initial dispute, under the doctrine of estoppel by silenceXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

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 2021-12-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CMI Group, Inc.
State: TX

Complaint narrative:
I spoke with representatives with Credit Management LP ( XXXX XXXX and XXXX XXXX ) about a debt reporting on my credit report. I had no idea what this was as I had not received any communication from them by mail or phone. I was told by a representative that they would request a removal once I paid it and even given a website to get this in writing. The website address they gave me is cm-resolve.com. All of this information turned out to be false. I called back and they told me they could not locate my account because it was paid. I have read about this collection agency doing this to several others, in fact there is a XXXX thread dedicated to it. It is mandated by law that I receive a letter from them notifying me of the debt and giving me 30 days to pay before it is reported. It is also against the law to tell me it will be removed, give me a bogus way to get it in writing and then lose my account information. This has harmed my score and prevented me from purchasing a home. I am responsible and pay my bills on time. I would have paid this had they notified me in writing and I tried to resolve this as soon as I found out. Their dishonesty and unlawful tactics have hurt me considerably.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I sent a certified letter to FTC ( XXXX ) that a XXXX XXXX reported negative on credit bureaus. XXXX XXXX has removed the negative XXXX XXXX from there system. I was informed when I called that the FTC sends to the mail room and sometimes the CFPB gets it and sometimes not. 

Attached you will find the letter I send to you on XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/2021 XXXX with drawed $ XXXXI called and demanded my money back. They had no business with drawing any money on expired debt card XX/XX/2021 was the expired date. That's 7 months ago.

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