vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-25 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: LJ Ross Associates
State: WI

Complaint narrative:
I am currently involved in a state mandated medical malpractice mediation for lawsuit against XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, WI. They disputed bills involved in the lawsuit to multiple collection agencies XXXX. I PAID the bills to save my credit and filed a claim here. The matter was said to be resolved, now XXXX XXXX is fraudulently resubmitting paid medical debt, again, to various companies. LJ Ross sent me more than one collections letter on XXXX. I responded with a validation of debt letter and validation of collections, collector, names, etc. on XXXX. Within my 30day right to respond, witch I did through certified mail, LJ Ross reported the fraudulent debt in the middle of a Malpractice Lawsuit to the credit agencies ruining my credit and violating my rights. That a is civil and criminal violation of rights. I demand this be removed from my credit immediately and reprimands be made to compensate for this injustice. 
Also, I have ALL evidence of lawsuit, former CFPB complaints, emails from lawyers, RECEIPTS, letters, etc.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I'm beginning to realize the CFPB is of no real help. 
Capital One continues to lie to you, and you accept it and close the complaint down. 
This time they actually added stuff about some sort of veterans information needed and my active duty status. 
I was in the XXXX XXXX, two years XXXX and 4 years inactive, back in the early 1970 's. 
I have perfect credit. They are just descriminating against me because of my age. 
because I can't figure out any legitmate reason for their actions. 
I found out that XXXX XXXX XXXX has the same product. I went to the local branch and they approved me 10 minutes. 
This has dragged out for months now. It's a shame how Capital One is making you look pretty foolish. 
You asked if I was a veteran. All of a sudden they put in on my credit application as if I wanted it to be considered. I never wanted it to be considered.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: AZ

Complaint narrative:
XX/XX/2019 - Received letter from XXXX XXXX XXXX ( current mortgagee ) that our loan was sold to PHH Mortgage Funding. In lieu of receiving any confirmation or instruction about our XXXX mortgage payment, it was sent via electronic bank transfer to XXXX XXXX XXXX as always, and they confirmed receipt on XX/XX/XXXX. On XX/XX/XXXX, PHH called to collect our XXXX payment. We informed them it had been sent to XXXX XXXX. 
They threatened me by saying if they don't get XXXX, they will report to the various credit agencies. The call was an intimidation attempt with an inference that I was lying to them with their threats of collection action. We have an XXXX credit rating and have never, ever been late on a payment. It is a recurring automatic bill payment. Subsequent to that call we learned from XXXX XXXX XXXX that our payment was forwarded to PHH on XXXX by wire transfer. On XX/XX/XXXX, we got another collection call from PHH. On XX/XX/XXXX a call to their customer service confirmed that our payment had not posted, nor could they confirm receipt. We were assured it will be posted by XX/XX/XXXX, and will not be assessed any late fees. They are making us feel like deadbeats due to their own internal inefficiencies. Their collection tactics and customer service falls way below the standard of mortgage business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Update to complaint Filed with ( XXXX ) XXXX consumerfinance.gov XXXX XXXX XXXX XXXX General-purpose credit card or charge card Other features, terms, or problems Froze my credit card CAPITAL ONE BANK USA Date submitted XX/XX/XXXX Just received email From consumer finance That you were still working on this Document Upload Success Print this page Case Information Case number : XXXX Reference number : XXXX After numerous attempts Of faxing my documents to capital one they are still saying they never received them Finally they sent email with link To upload my documents Uploaded so many documents so many times Still saying never received them Finally one day they said received them But you still need to provide us with the picture of my ID back side Still have uploaded numerous times They still have my account froze My XXXX XXXX account is linked to both my credit cards with capital one which i have used since XX/XX/XXXX to pay on my account Having my personal banking information is proof enough of my identity But no thats not good enough Federal law states If your ID doesnt have your current address they can request utility bill I have, already uploaded here documents capital one has I have sent more since then that i will upload as well

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BARCLAYS BANK DELAWARE
State: UT

Complaint narrative:
Barclays Bank Delaware # XXXX is reporting an account that is not mine. I was removed as an authorized user and this account should no longer be on my credit. I would like for this account to be removed as it is negatively effecting my 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 2019-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I submitted a claim here on CFPB for CapitalOne on XX/XX/19 to reinstate my card. I was contacted by a XXXX XXXX shortly after my claim. I choose to contact CapitalOne today XX/XX/19 to check on the status of my request and they mentioned they have declined my request. They also indicated that they contacted me letting me know that my request had been declined, however this never took place.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
XXXX XXXX XXXX # XXXX is reporting an account that is not mine. I was removed as an authorized user and this account should no longer be on my credit. I would like for this account to be removed as it is negatively effecting my 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 2019-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
XXXX XXXX XXXX  # XXXX is reporting an account that is not mine. I was removed as an authorized user and this account should no longer be on my credit. I would like for this account to be removed as it is negatively effecting my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
Capital One # XXXX is reporting an account that is not mine. I was removed as an authorized user and this account should no longer be on my credit. I would like for this account to be removed as it is negatively effecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
XXXX XXXX # XXXX is reporting an account that is not mine. I was removed as an authorized user and this account should no longer be on my credit. I would like for this account to be removed as it is negatively effecting my 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 2019-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Convergent Resources, Inc.
State: AZ

Complaint narrative:
On XX/XX/2019 at XXXX we received a call from CONVERGENT ( XXXX ) asking for XXXX XXXX. After connecting with an operator I stated that we were a company and the operator disconnected the call immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
XXXX XXXX XXXX  # XXXX is reporting an account that is not mine. I was removed as an authorized user and this account should no longer be on my credit. I would like for this account to be removed as it is negatively effecting my 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 2019-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
XXXX XXXX XXXX  # XXXX is reporting an account that is not mine. I was removed as an authorized user and this account should no longer be on my credit. I would like for this account to be removed as it is negatively effecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
XXXX XXXX # XXXX is reporting an account that is not mine. I was removed as an authorized user and this account should no longer be on my credit. I would like for this account to be removed as it is negatively effecting my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
XXXX XXXX XXXX XX/XX/19 XXXX pm Went to deposit a check with my card that goes to my fourth account that ends in XXXX and it deposited the money into my negative acct ending in XXXX. Within seconds of the ATM error I ran inside and asked for help the told me to call XXXX and noone could help me what so ever ..even though it was a atm error.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I XXXX XXXX requested that Equifax investigate a company on my credit report. XXXX XXXX. I have no knowledge of this account and i have sent certified letter to the company and eqifax and neither company have sent me proof that this company or validated this was my depth. XXXX XXXX signed for the letter so i know they received it. 
The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to protect consumers from the willful and/or negligent inclusion of inaccurate information in their credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
My capital one 360 account was frozen because of a transaction that took place a week before. I sold property to a guy on a website and gave him my property and accepted XXXX as payment. The payment came in fine. I went to make a purchase and my card would not work. My wife looked online and it said to call them. I called and I was on the phone for about a hour while they figured out who I should talk to. Finally I ended up at the fraud department I told him what was going on and that I have proof of why this money was in my account. He told me that capital one was not going to do business with me anymore, and that when this is done they will mail me a check. He didn't give me a email or anything to send in my proof of innocents, and basically told me to deal with it. My direct deposit is set up to go into that account, I could not change it in time, right now I did not have any money in other accounts. I tried to contact the other person and got no response. I contacted the website administrators, told them what was going on. They said they could freeze the other partys account if I could provide them proof my account is under investigation for this transaction. I called capital one back. Got to the fraud department. They said they would not put why my account was under investigation in writing. He told me to file a police report and subpoena the reason from capital one. I went to file a police report they said I could not file a police report unless I had proof that this individual stole money. I tried to call capital one back, they left a note on my account to transfer me to a answer machine in the fraud department. Nobody at capital one can tell me what's going on, or who I can send my innocents to. I am now completely powerless and broke.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, KS XXXX ( XXXX ) XXXX I have disputed this collection account on numerous accusations with the debt collector as well as the 3 major Credit Bureaus, XXXX, Equifax, and XXXX. On XX/XX/2010, I sent in documentation to the 3 bureaus above explaining that the information that this company is reporting on my credit is inaccurate. This debt collector is insisting that the information is valid and reports as it is verified as accurate. 

On XXXX The first inaccuracy is the ACCOUNT NUMBER This company is reporting my account number as XXXX. How can this be a valid account number, if it is missing digits? 

The second inaccuracy is the Account Type. This company is reporting that this is an Open Account. How can a CLOSED COLLECTION account be an open account? That is not possible. 

The next inaccuracy is the PAST DUE AMOUNT. This company is reporting that there is a past due amount owed on a collection account. How can you report a past due on a collection account? 

This company is reporting this INACCURATE information to all 3 Credit Bureaus. 

I know I have rights and I feel that this company is violating them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, KS XXXX ( XXXX ) XXXX I have disputed this collection account on numerous accusations with the debt collector as well as the 3 major Credit Bureaus, XXXX, XXXX, and Experian. On XX/XX/2010, I sent in documentation to the 3 bureaus above explaining that the information that this company is reporting on my credit is inaccurate. This debt collector is insisting that the information is valid and reports as it is verified as accurate. 

On XXXX The first inaccuracy is the ACCOUNT NUMBER This company is reporting my account number as XXXX. How can this be a valid account number, if it is missing digits? 

The second inaccuracy is the Account Type. This company is reporting that this is an Open Account. How can a CLOSED COLLECTION account be an open account? That is not possible. 

The next inaccuracy is the PAST DUE AMOUNT. This company is reporting that there is a past due amount owed on a collection account. How can you report a past due on a collection account? 

This company is reporting this INACCURATE information to all 3 Credit Bureaus. 

I know I have rights and I feel that this company is violating them.

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 2019-07-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
PHOENIX FINANCIAL SERVICE IS IN VIOLATION OF THE ( FCRA ) AND ( HIPPA ) THEY HAVE AN ACCOUNT ON MY XXXX, XXXX AND XXXX CREDIT REPORT THATS NOT MINE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX, XXXX AND TRANSUNION HAS AN ACCOUNT ON MY CREDIT REPORT THATS NOT MINE.. 

ACCOUNT : XXXX XXXX XXXX NOT MINE

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 2019-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
i closed an account in XXXX apx with wells fargo they promised me a closing statment thirty days after and i never got it today i called cust service and because i could not remember my username for the online account she refused to help me. i gave her my ssn and everything else. XXXX was her name. tel XXXX XXXX XXXX. 
XXXX XXXX put a refund on my card ending in XXXX i told XXXX XXXX not to do this but they did it anyway i told them the account was closed they said it would kick back and at that time they could give me my refund well it never kicked back so wells fargo has it the transcation was doneXX/XX/XXXX and the amt was XXXX so, i am filing a compliant 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 explanation
Consumer complaint received 2019-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Opportunity Financial, LLC
State: IN

Complaint narrative:
Upon Discovery through my credit reports, discrepancies have been found due to inaccurate credit reporting done by Opp Loans, to XXXX, XXXX and XXXX. I discovered over 34 Errors. Which indicates that OPP Loans broke the law by violation of FCRA LAWS. In Pursuant to FCRA 611 ( 15 U.S.C. 1681I ) I have found Error and Are pursuant to recover damages in small Claims Court. I have suffered defamation of character personal/emotional injury having my finical freedom impacted by their willful noncompliance. My discovery of their errors on my credit reports were discovered by myself on XX/XX/2019. On XX/XX/2019. I sent to letter on Opp Loans via Certified US Mail, inquiring about the account reported to the Credit Bureaus. They responded XX/XX/2019 sending me a summary of the account and none of the information I requested for Validation. They have added a new line of credit while in dispute which is detrimental to character. They contacted me Via Phone XX/XX/2019 apologizing and admitting their mistakes, unfortunately my credit has already been challenged and they have not issued this apology in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
They call all throughout the day, every couple of hours. I have told them never to call me again, but they continue with the harassment. I am on edge all day because of their calling and harassing me and disturbing my peace

Company response to consumer: Closed with non-monetary relief