vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-01 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: U.S. Auto Sales Inc.
State: GA

Complaint narrative:
My hours at work were cut because of Covid19 and I was unable to make payments on time for 2 months. I asked for a deferred payment plan and for the late payments to be removed. I has given a new payment plan but I still have late payments on my report. Before covid and even a while after, I have never missed a payment. I don't think it's fair for me to be penalized for something that was out of my control. My account is now paid up to date and I would like for that to be updated on my credit report. My balance and current payments are also incorrect. It is showing I have a balance of XXXX but my account is showing XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
In XX/XX/XXXX I found out someone opened a online checking and savings account in my name through Wells Fargo..I immediately contacted them..went through the whole fraud process and was told the accounts were frozen then ultimately closed.. But today XX/XX/XXXX I receive a text alert from Wells Fargo that my card with them is frozen due to suspicious activity and to click the link to resolve the problem..I do not have a account with them..so either they never closed the account i initially reported like they claimed or they allowed someone else to open yet another online account in my name not even a couple months after going through their fraud procedure..I called today but its a holiday and was told to call back monday..i am beyond sick and tired of Wells Fargo!! I have never done business with this Bank besides having my identity stolen through them..my name is a very unusual name which is even more concerning..please help me..they are just allowing this to happen!!

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 2022-01-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Question for XXXX  Student loans still appear on credit which has adverse effects on ones financial ability to obtain credit worthiness for issues and products and services.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01 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: IL

Complaint narrative:
I received an alert that my credit score had dropped XXXX points on Experian. I opened it up to find that there is an account from USDA NATL Finance Cntr that does not belong to me. It states that I am over 180 days delinquent in the amount of {$1200.00} and I am sure that it is incorrect information. This is the first time of me hearing of this. This is a violation of my credit rights. I have never received a notice in the mail about anything being owed. On my Experian credit report it reads that the account was opened on XX/XX/2021. I have not personally applied for credit or authorized anyone to open up credit or any account on my behalf. This is not my account and it is affecting my credit. I am currently speaking with an attorney for this matter as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: FL

Complaint narrative:
I n XX/XX/XXXX, I switched my phone plan to XXXX XXXX. I set up autopay, which has worked perfectly, with a {$0.00} balance every month. I received this threatening letter dated XX/XX/XXXX ( attached ) from Receivable Performance Management for {$130.00}. I would like to know how they found out that I now have service with XXXX and why they are sending out a fraudulent collection letter.

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 2022-01-01 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:
My hours at work were cut because of Covid19 and I was unable to make payments on time for 2 months. I asked for a deferred payment plan and for the late payments to be removed. I has given a new payment plan but I still have late payments on my report. Before covid and even a while after, I have never missed a payment. I don't think it's fair for me to be penalized for something that was out of my control. My account is now paid up to date and I would like for that to be updated on my credit report. My balance and current payments are also incorrect. It is showing I have a balance of XXXX but my account is showing 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 2022-01-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My hours at work were cut because of Covid19 and I was unable to make payments on time for 2 months. I asked for a deferred payment plan and for the late payments to be removed. I has given a new payment plan but I still have late payments on my report. Before covid and even a while after, I have never missed a payment. I don't think it's fair for me to be penalized for something that was out of my control. My account is now paid up to date and I would like for that to be updated on my credit report. My balance and current payments are also incorrect. It is showing I have a balance of XXXX but my account is showing XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01 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:
My hours at work were cut because of Covid19 and I was unable to make payments on time for 2 months. I asked for a deferred payment plan and for the late payments to be removed. I has given a new payment plan but I still have late payments on my report. Before covid and even a while after, I have never missed a payment. I don't think it's fair for me to be penalized for something that was out of my control. My account is now paid up to date and I would like for that to be updated on my credit report. My balance and current payments are also incorrect. It is showing I have a balance of XXXX but my account is showing 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 2022-01-01 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
So, last time I was on the phone with b of a prepaid regarding my edd account, I was told that actually, multiple cards remained active at the time of my most current card being active. So I believe I have a right to file a claim on my entire account since they dont even know which cards are active at what time. But they refuse to let me file a claim.

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 2022-01-01 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: PA

Complaint narrative:
A previous address listed under the Personal [ I ] nformation tab of my profile with Experian is reported as a TRADE CONTRACTOR-SPECIAL TRADE, pertain [ ing ] to a business. Having therefore not resided there for several years, any activity associated with this address should necessarily not have anything to do with me. As such, I insist that this information be removed from my credit file/report at once. Same goes for another address listed with Experian. Although, I should add that the latter was an assisted living facility ( i.e. business ) when I was there briefly. I, however, resided in an independent flat/unit, hence address characterisation/description XXXX on 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 explanation
Consumer complaint received 2022-01-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Question for XXXX XXXX loans still appear on credit which has adverse effects on ones financial ability to obtain credit worthiness for issues and products and services.

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 2022-01-01 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: FL

Complaint narrative:
Question for TPD Student loans still appear on credit which has adverse effects on ones financial ability to obtain credit worthiness for issues and products and services.

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 2022-01-01 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: U.S. BANCORP
State: MO

Complaint narrative:
US bank is reporting inaccurate information on my credit report and is defaming my character byu publishing inconsistent inaccurate credit information on me. 

For example ; I paid my mortgage balance off yet its still reporting as open til XX/XX/XXXX. 
This account also reports that I paid 60 days late in XXXX of XXXX on my XXXX and XXXX report but they marked me as current with XXXX. 

They have inconsistent dates of which my account opened on my XXXX credit report they say that I opened my account on XX/XX/XXXX and on XXXX  and XXXX they say that my account was opened on XX/XX/XXXX. Which begs the question of how my account could've possible have been late. As the account had different account open report dates between bureaus. 

Additionally between XX/XX/XXXX thru XX/XX/XXXX I see an account on my XXXX report that went from reporting current to 60 days late. without ever first being 30 days late. 

Moreover my account status reports as closed on XXXX whereas it reports as paid account on the other 2 bureaus. 

This creditor reported my terms as 444 months on XXXX then report ed my term as 0 months with the other credit bureaus

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 2022-01-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
Shellpoint/New Rez Mortgage Servicing continues to misrepresent amount owed, not applying payments to account and creating shortages to escrow account. On XX/XX/2021, I sent a letter with proof of payments stating funds were not credited properly and how this cause a shortage in escrow account and an issue with the amount of interest charged for the month of XX/XX/2021. Shellpoint responded on XX/XX/2021, with errors, mistakes and not applying a payment received to my account.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
On XX/XX/2021, I consumer XXXX XXXX sent BARCLAYS US a cease and desist letter demanding they stop the infringement upon my intellectual property rights. BARCLAYS has threatened and harassed me to make a payment on this alleged debt. They threatened that my intellectual property would be closed and the account would be charged off, which is a violation of the FDCPA. I am demanding BARCLAYS to stop the willful infringement upon my rights. BARCLAYS also closed this account, that I opened, against my will and without my permission, which is a violation of the ECOA.

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 2022-01-01 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: BARCLAYS BANK DELAWARE
State: IN

Complaint narrative:
Dispute the CARGES ON MY STATEMENT DATE XXXX XX/XX/XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX {$210.00} XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX {$240.00} XX/XX/XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  {$210.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX {$210.00} These charges were originally on my card ending with XXXX. That Card was canceled and a new card was issued. These were disputed as fraudulent charges and I received credit on my statement dated XXXX. 
I was surprised to see these charges put back on my statement DATE XXXX I did not receive any notification on this. 
I called the customer service on the week of XX/XX/XXXX. They said there was a mistake and she would fix a code in the system. This did not happen. 
I called the customer service on the week of XX/XX/XXXX. His name was XXXX XXXX said the charges would be revised in a day. This did not happen. 

I called the customer service on XX/XX/XXXX There name was XXXX there ID is XXXX She said these charges would be revised in 48 hours. This did not happen. 
This is sad I do not get an honest answer from your customer service employees

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 monetary relief
Consumer complaint received 2022-01-01 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I had a recent dispute with Experian. There a few items that remained on my report after the investigation. The FCRA states the consumer reporting agency was to conduct an interview with neighbors, friends, and associates as a part of the investigative consumer report. It also says that such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. I challenge Experian to provide the evidence under penalty of perjury that the organization conducted such interviews.

I also had 2 late payment from XXXX XXXX that shall be removed immediately. I have a letter from the organization stating that the items were not to be reported.

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 2022-01-01 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Recovery Services, Inc.
State: NM

Complaint narrative:
Southwest Recovery Services Collection company located in XXXX, Texas reported on my credit the same debt four times. 
First, I noticed that this company reported the same debt twice. It is a debt since XXXX. Then, I noticed that on XX/XX/XXXX they reported the same account twice again ( total of four times that same account ) now I have a total of XXXX. The debt is only for XXXX. I called them and a representative told me that i owe the money. I explained to him that it was wrong and by reporting the same account four times it was affecting my credit so bad. He asked me for my email address. I gave him my email address and he said that in a period of 48 hours he will send the documents to email. 48 passed and he never sent such email. I called the company and left my number, but no one returned the call and am still waiting for the email with the documents to support their reports to my credit. They also flagged my debts as if someone stole my information.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Estoppel of Silence If a creditor or collection agency fails to answer your validation letter you should send an Estoppel of Silence Letter XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI, XXXX XXXX Dear Capital One, This CFPB letter is to formally advise you that I believe your company has violated several of my consumer rights. Specifically you : - Failed to validate a debt at my requestFDCPA violation -Continued to report a disputed debt to the CRAFCRA violation Not only have you ignored my prior requests for validation of debt ( proof enclosed- receipt copies or letter copies ), but you continue to report this debt to the credit bureaus, causing damage to my character. This letter will again request that you follow the FDCPA and provide the following : Validation of Debt Request - Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest, and penalties -Contract bearing my personal signature As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak, but failed to do so. Therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. 
I expect to receive proof requested above, within 15 days of this letter. Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as indicated under both the FDCPA and the FCRA. I may seek damages from you if warranted. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Submitted to XXXX copies of fraud complaints filed in XXXXXXXX XXXX Florida with Police and Civil action against fraudster. Submitted copies of Identity Theft, XXXX fails consistently to review attachments to correct account to zero balance. Attorney XXXX and XXXX supplied zero balance letter on the behalf of Capital One and previously sent to XXXX and on XX/XX/2021 dropped my credit score to XXXX stating balance still owed. 

Capital One balance is at zero and XXXX refuses to update current status. I have submitted 3 investigations and fail each time due diligence and report inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-01 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: LEXISNEXIS
State: MN

Complaint narrative:
Pursuant to Fair Credit Reporting Act 1681i ( a ), the CRA that receives the dispute must conduct a reasonable reinvestigation of the dispute. The Consumer Reporting Agency also must notify the furnisher of the dispute. That is generally done electronically through an automated consumer dispute form, or XXXX. 

Once notified by a CRA of a consumer dispute, the furnisher of the disputed information must do its own reasonable investigation. A reasonable investigation under FCRA 1681s-2 ( b ) requires the furnisher to examine sufficient evidence to determine whether the disputed information is accurate. If a furnisher can not affirmatively verify that it has accurately reported disputed information, 1681s-2 ( b ) ( E ) of the Fair Credit Reporting Act requires the furnisher to modify, delete, or permanently block the reporting of the disputed information. 
Please conduct an investigation with the deed of court or clerk of court and forward me the finding or delete the public record!

Company response to consumer: Closed with explanation