vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-21 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: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CAPITAL ONE. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 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 2021-10-21 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: GA

Complaint narrative:
XXXX XXXX XXXX nor XXXX XXXX XXXX never contacted me regarding my collection account. In fact, earlier this year I had a collection account deleted due to them not verifying specific information related to the collection account. So, you can see that I was shocked to find another collection account placed on my account without me receiving any information. XXXX XXXX XXXX contacted me on two different occasions, however, after I asked who they were they hung up the phone on me not stating the reason for the call. As you can see in the attached documents they had my wrong address even though before I left the complex I gave them my forwarding address. In addition, when I left I did not receive a walk-through of my apartment, so, therefore, how do I know that these charges are accurate? Since this collection came on my report a few months ago I have moved again and I still have not received any correspondence from them as well as XXXX XXXX for the accuracy of this report. It has been 1 year since I moved from there, and I am trying to figure out how they can place this on my account without any accurate information. I demand this inaccuracy to be removed from my report and to notify XXXX XXXX XXXX and XXXX  XXXX of their discrepancies.

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 2021-10-21 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: IL

Complaint narrative:
Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. That is a huge difference. XXXX paints me as a XXXX. XXXX XXXX say I have good credit. What the heck is going on here. I have almost no debt and my identity was stolen causing my score to drop n I made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have 1 negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify and remove the accounts and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 10 times. experian is an abusive company. They are supposed to be protecting consumers. They need to be reigned inthey are causi ng me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my two year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, 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 involve in the process. 
The 3 Credit Bureau is reporting inaccurate information on CONVERGENT OUTSOURCING. 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 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 2021-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I have a right to privacy pursuant to 15 USC 1681 and my federally protected consumer rights are being violated. 

12 CFR 1026.13 ( d ) ( 2 ) Adverse credit reports prohibited. The creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent because the consumer failed to pay the disputed amount or related finance or other charges. 

See attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-21 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: GA

Complaint narrative:
XXXX XXXX XXXX nor XXXX XXXX XXXX never contacted me regarding my collection account. In fact, earlier this year I had a collection account deleted due to them not verifying specific information related to the collection account. So, you can see that I was shocked to find another collection account placed on my account without me receiving any information. XXXX XXXX XXXX contacted me on two different occasions, however, after I asked who they were they hung up the phone on me not stating the reason for the call. As you can see in the attached documents they had my wrong address even though before I left the complex I gave them my forwarding address. In addition, when I left I did not receive a walk-through of my apartment, so, therefore, how do I know that these charges are accurate? Since this collection came on my report a few months ago I have moved again and I still have not received any correspondence from them as well as XXXX XXXX for the accuracy of this report. It has been 1 year since I moved from there, and I am trying to figure out how they can place this on my account without any accurate information. I demand this inaccuracy to be removed from my report and to notify XXXX XXXX XXXX and XXXX XXXX of their discrepancies.

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 2021-10-21 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: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
To : CFPB, PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX, HAS BEEN HARASSING ME ON THE PHONE AND REPORTING FRUAD ACCOUNT INFORMATION INTO MY CREDIT HISTORY. THEY HAVE BEEN CALLING AND ASKING FOR CASH PAYMENTS AND MY SSN # TRYING TO STEAL MY PERSONAL INFORMATION FOR A DEBIT COLLECTION ACCOUNT THAT IS NOT MINE AND WAS DISCHARGED FROM MY CREDIT HISTORY FOR IDENTIFY THEIFT BY XXXX XXXX & XXXX XXXX & Portfolio Recovery. AFTER I WROTE A LETTER & PROVIDED INFORMATION AND EMAILED FOR THE PAST 8 YEARS. Portfoilo recovery HAS AGREED TO REMOVE ANY RESPONSIBLY OF MINE & DID REMOVE FROM MY CREDIT HISTORY FOR THIS IDENTIFY THEIFT ACCOUNT THAT WAS NOT OPENED BY ME AND REMOVED IT FROM MY CREDIT HISTORY FOR GOOD. PORTFOLIO RECOVERY HAS BROKE SECTION 609 OF THE FAIR CREDIT REPORTING ACT ( FCRA ) BY ADDING FALSE INFORMATION TO REPORT TO HURT MY CREDIT HISTORY WITH FALSE INFORMATION FOR ACCOUNT THAT WAS DISCHARGED AND REMOVED FROM MY CREDIT HISORY BY ALL PARTIES. PORTFOLIO RECOVERY NEEDS TO REMOVE THIS FRAUD ACCOUNT FROM MY CREDIT HISTORY & I DEMAND THEY CLOSE THE ACCOUNT. I am exercising my right under the Fair Credit Reporting Act, Section 609, to request THE REMOVAL OF PORTFOLIO RECOVERY FROM MY CUSTOMER CREDIT REPORT ASAP. FOR IDENTITY THEIFT & ALL ACCOUNTS IN THE FUTURE WITH PORTFOLIO RECOVERY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Hauge Associates, Inc.
State: IA

Complaint narrative:
I got collection for two amounts, one of {$510.00} and another for {$280.00} due to the hospital getting my insurance wrong. Im covered by XXXX ( Iowa total plan care ), never notified i owed. While I normally make every effort to pay my debts and fulfill my responsibilities, in this instance I was, unfortunately, unable to do so. I am writing today because I am now trying to access a auto loan and I am having difficulties due to having a collection on my account. Given the date and amount of this collection, I am kindly requesting your agency consider removing this collection from my credit report as a gesture of goodwill. 
Doing so would sincerely be appreciated and represent an invaluable gift to my family and me. 
Thank you so much

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: TX

Complaint narrative:
The date of transactions was XXXX for {$90.00} for a spoof company that isn't a real company and XXXX has no knowledge of them. the company is claiming to be called XXXX XXXX XXXX XXXX XXXX plan. I ended up needing to use it and the number I called said they didn't have any record of me in their system and they will call me back in 24-48 hours. In under 1-2 minutes they called me back saying they found me but needed to update my information. I found that suspicious and called XXXX support. The agent told me they get calls about this all the time and they are not a warranty company for XXXX. I was given a temporary credit after talking to bnymellon and many weeks later the temporary payment was taken back. Still to this day I have received nothing. XXXX XXXX which will not return my phone calls claims a letter was sent out on XX/XX/21 which isn't true because I can track all incoming mail by photocopy. I have left voicemail after voicemail she will not return my calls. The day I voice concern about the credit being returned she wrote up an unofficial and almost looks fake paper she states that was sent to me but you can tell it's not official. She even saved the file the day she wrote it out. So the paper was not scanned she wrote it up and sent it to me. I will be including the paper she wrote up on her computer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: FC HoldCo LLC
State: FL

Complaint narrative:
They are inaccurate items that i found on my credit report that is damaging my credit score for late payments with the company FLASGSHIP CREDIT ACCEPTAN. That i payed on time. Never receive a email or mail about due date or late payment. the company reported late payment on. XX/XX/XXXX, XXXX XXXX. XXXX XXXX and XX/XX/XXXX. also on my credit report I have two months charge off on all three credit bureau in XXXX and different months. I still have the car and still paying my loan on time. With this charge off i should ( not ) be paying interest on this loan still, when it's a write off with the IRA meaning the company have been payed. 
Please investigate immediately or I have to take legal action with my attorney. 
By LAW 15 U.S. CODE 1666B : Timing of Payments 15 U.S. CODE Chapter 41 : Consumer Credit Protection 15 U.S. CODE 1605 : Determination of Finance Charge

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 2021-10-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Marauder Corporation
State: GA

Complaint narrative:
Re XXXX I attached the debt verification letter that was sent by my request. I highlighted the name addressed on the doc. That's my maiden name, I have not used my maiden name since XXXX, the statement is for services for XXXX. The name that would of been provided would of matched my insurance card and drivers license with my correct last name. I also attached a pdf of my XXXX insurance card with ID # I've had since XXXX. The document provided has inaccuracies as well as missing insurance information that I would have had at the time of services if this debt was mine. The letter states medical information that violates the HIPPA Act. I never signed a HIPAA form to authorize you to have access to the information.

Company response to consumer: Untimely response
Consumer complaint received 2021-10-21 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XX/XX/XXXX CARD PROVISIONAL CREDIT XXXX {$2.00} XX/XX/XXXX CARD PROVISIONAL CREDIT XXXX {$180.00} XX/XX/XXXX CARD PROVISIONAL CREDIT XXXX {$140.00} Wells Fargo Bank is engaging in account fraud by moving funds from my accounts to other clients business accounts and claiming it to be debit card fraud activity so that they can issue a new card. I called them out and they have retaliated to my claims by sending nine envelopes of the same letter stating reversal of the funds, They engage in this activity immediately after I activate a new card so that I must make a claim and loose the ability to use current card thus needing a replacement. they have now attached my wife 's account in the same manner for me being honest about my suspicions. They currently will not issue me a new card so that I can not preform online transactions. The Bank holds the peoples money, We are the bank, they are engaging in fraud. Please help me! They treat me as if I have no rights or power in regard to this on going scandal. 

Wells Fargo account fraud scandal The company faces additional civil and criminal suits reaching an estimated {$2.00} XXXX by the end of XXXX. The creation of these fake accounts continues to have legal and financial ramifications for Wells Fargo and former bank executives as of early 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 2021-10-21 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: CA

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 2021-10-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: IN

Complaint narrative:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I noticed that there were 3 separate charges on my credit card account of which I did not make. All three charges were to the same place XXXX gas. The first charge was for {$490.00} ad the second charge was for {$490.00}. I contacted the card company immediately to dispute the transactions of which they advised that the card was not present for the purchases and that they would look into it. 

Since the charges have posted to my account and will be charged on my statement that will potentially be reported to my credit report showing a higher usage than i have actually used. I contacted the card company again of which i have yet to receive a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MN

Complaint narrative:
The MrCooper ( FKA Nationstar Mortgage ) website has been a real problem for the last few months. I have been trying to use it to submit another Covid 19 pandemic relief mortgage forbearance request covering XXXX and XXXX of 2021. However, there is absolutely no way for me to get through their " wrong password '' and other attempts to log on. 

The last time I was logged on to MrCooper.com, there were no tabs or areas the consumer could use to submit a mortgage forebearance request. Instead, I had to use their " contact us '' button to manually type out in the mortgage payment forbearance request in my own words. Then I somehow got logged out and must have used the wrong password guess a few times after getting logged out. Going through all the various hoops for setting a new password, the new password ultimately obtained did not work to open their portal. 

Finally, on XX/XX/2021 I used regular USPS Priority Mail to send them the mortgage payment forbearance request, for which I have a tracking number. 

This is a concern because there is no telling how many homeowners are being cheated out of their rights by this company 's website failing to work properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
A Tenant sent me funds through Chase Bank using their XXXX App. The tenant accidentally sent 2 payments. When I tried to refund the payment from Chase using the XXXX App, Chase Bank cancelled the payment as they thought it was fraudulent. I completely understand their position to protect my account. The problem arose when I followed Chase Bank 's instructions to verify my identity online and resubmit the payment. I followed the instructions provided by Chase Bank and sent the payment again. I then received another email telling me the payment was canceled for a second time. This time I was instructed by Chase Bank to call them which I did. I jumped through all of the hoops and answered some very invasive questions at which time they verified my identity and verified that I initiated and requested the payment to the Tenant be made. Chase cleared the fraudulent status of my account and I made the payment to the Tenant for a third time. The next day, Chase not only canceled the payment again, they froze my account so I could not have access to my funds. I was instructed to call Chase again, which I did. Once again I was asked to verify my identity and was questioned again with very invasive questions. When I did not provide the answer that the Representative found acceptable, I was denied the ability to use the XXXX App to make payment to the Tenant. I asked to speak with Supervisor to no avail. As of this writing I am not allowed to send the funds to my Tenant as Chase Bank has blocked the recipient.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 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: CA

Complaint narrative:
I registered for a class with XXXX and could not continue so I was advised to drop the course and I did so within the appropriate timeframe. The school did not process my request until a day or two later which caused the drop to pass deadline date. Even though it was an error on their part, they told me I needed to pay {$870.00} for some full tuition and a resource kit even though I never took the class. The charge was for {$870.00} is now in collections. I reached out to them and informed them that it was an error on their part, however no investigation was done and I was stuck with a bad reporting even though I never took this class, I asked to speak to a XXXX or supervisor no one responded. They emailed stating that I need to contact the collection agency and no investigation was ever done. Since it was an error on their part I feel that this is unfair.

Company response to consumer: Closed with explanation