vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-15 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: NY

Complaint narrative:
Experian credit bureau is claiming that XXXX XXXX XXXX  is stating my account is closed when it is not. I put in two disputes with Experian that keeps coming back saying this account is closed when it is not. XXXX  XXXX XXXX  also is stating that they are informing the credit bureaus that my account is open and active. XXXX XXXX and XXXX  are not showing this account as being closed, it is showing it as being active. Only Experian credit bureau is claiming this and This incorrect reporting is causing my credit score to be Tremendously low!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I do not recall this debt and have called and requested the company to provide verification of the debt. The company has failed to provide verification of the debt so I can not confirm it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 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: TX

Complaint narrative:
I FILE A FTC REPORT AND REQUESTED THAT THEY BLOCK THESE ITEM AND DELETE THEM THEY TOOK OVER 45 DAYS WHICH IT SHOULD BE 4 BUSSINESS DAY ONCE THEY RECIEVE THE ITEM AND THEN MAKE THERE DECISION I ALSO SENT LETTER TO THE CREDITORS AND THEY ALSO SENT ME NOTHING BACK

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 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: TX

Complaint narrative:
I FILE A FTC REPORT AND REQUESTED THAT THEY BLOCK THESE ITEM AND DELETE THEM THEY TOOK OVER 45 DAYS WHICH IT SHOULD BE 4 BUSSINESS DAY ONCE THEY RECIEVE THE ITEM AND THEN MAKE THERE DECISION I ALSO SENT LETTER TO THE CREDITORS AND THEY ALSO SENT ME NOTHING BACK

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
Card issuer decreased my limit randomly on XXXX XXXX. No notice or explanation from {$1500.00} to {$250.00}. No late payment or defaults on account. Spoke with supervisor who stated a review of XXXX was the reason. XXXX is my highest score. I have been working on improving my credit files while obtaining a mortgage loan. My file is currently in underwriting and all accounts are in good standing with usage less than 10 %. As a result of the sudden, drastic decrease in my limit my usage increased dramatically relative to my balance. This affects my credit score and overall file. It could result in a higher interest rate or difficulty in closing on my home. I was never notified of random limit reductions, nor have I experienced this with any other credit issuers. The card is issued through Synchrony Bank/Value City Furniture. Is this legal/ethical for a company to periodically change terms of credit without notice? Especially during the pandemic! I have been working extremely hard to preserve my credit worthiness and meet my responsibilities and obligations. This is extremely counterproductive and negatively impacts my life and livelihood, both unfairly and unjust.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
So today when signing on to my checking account, they alerted me to a duplicate payment/transfer for my monthly mortgage payment on XXXX XXXX they informed me it was Shellpoint mortgage that did it and to call them. After 45 minutes and transfers to two separate representatives I finally got my answer. Yes Shellpoint was aware they did take two payments from my checking account. No apologies, no notice that they realized the mistake & were going to reverse the extra charge. I asked if it could be applied to next months payment or extra principal, but was told no, the reversal was already in the works and would be back in my account in about a week! If I hadnt called were they going to keep my money? So ... basically they get to use my hard earned $ free of charge for over a week? The representative said its not free we are giving it back to you! So terrible customer service on top of shady practices seems to be the norm at Shellpoint. My bank has not received any notice from Shellpoint about reversing the double debit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 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: FC HoldCo LLC
State: TX

Complaint narrative:
Flagship Credit Acceptance is not reporting current payments and continuing report to all 3 credit bureaus as being late despite making payments. Flagship Credit Acceptance is not reporting the correct loan amount on all major 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 2020-07-15 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Byrider Franchising, LLC
State: IN

Complaint narrative:
The amount that the company has is wrong. Its because I havent heard from the company in 3yrs. I no longer have the vehicle. I have tried to contact them and I havent gotten a response. They have never notified about the real balance

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
on XX/XX/20 I ordered a bottle of XXXX pills from an advertisement on my XXXX  page. I accidentally pushed a button by mistake or their website was programmed that way and I got 3 or 4 bottles of other pills I did not want. I called 5 minutes after that order and spoke to a man at XXXX  who refused to cancel those extra bottles and said to return them when I got the order. There is a time limit of returning those orders and my package arrived just before the deadline. I called immediately several times and no answered the phone. No one answered the emails either. A few days later I discovered that phone number and email address were canceled. I called Chase bank, where I have been banking for years, and I filed a dispute and I got the {$80.00} back ( that was the charge for the extra bottles of pills I did not want ). Also their ad said the XXXX pills would cost about {$29.00} but I was charged {$69.00}. 

About a couple of months later Chase informed me they had returned the {$80.00} to XXXX because XXXX said I did not return their package per their instructions. I Ireturned their package at the post office and tracked the order, because I had my return address on he box, and they did receive it. I did not see any instructions in the fine print on the ad on my XXXX page and I was not able to reach them on the day I received the package before I took it to the post office. A short while later I found a new email address for XXXX and contacted them. They sent me an email saying they made a mistake and would return the {$80.00}. I contacted them later because I didn't get the money yet and they informed me that the dispute transaction was closed by the bank and the money would not go through. I called Chase bank serveral times and sent them email messages from XXXX saying they were blocking my refund and Chase just brushed me off. I sent emails to XXXX saying send me a check and they said it would have to be refunded the way they got it and they needed some kind of proof from me. This has been going on for 5 months. They have probably done the same thing with other people. BUT WORST OF ALL MY BANK THREW ME UNDER THE BUS. I made many calls to Chase and sent them copies of emails from XXXX and they have just turned their back on me and don't care the least bit about me. That IS MY MONEY IN MY ACCOUNT. Chase does not have the right to send or spend it without notifying me first.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 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: NY

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1800.00}, {$560.00}, {$1100.00} I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 

2. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$560.00} -This is not my account. 


-- COLLECTION ACCOUNT -- 3. XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CO

Complaint narrative:
I have always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX is not reporting current payments and continuing report to all 3 credit bureaus as being late despite making payments. XXXX XXXX XXXX is not reporting the correct loan amount on all major 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 2020-07-15 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I spoke with a manager at XXXX XXXX XXXX XXXX offering to pay a charged off account for deletion and was advised that the account was with collection agency XXXX XXXX XXXX. XXXX advised that if I called them and paid they agree to delete the account from the credit bureaus. I paid and the account has not been deleted. 

I also called XXXX XXXX XXXX  and had the same conversation with a manager  offering a pay for delete and was also told that they would have the account removed after I make the payment. I made the payment and the account has not been removed. 

I am requesting that Equifax delete XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: PR

Complaint narrative:
Hi, my name is XXXX XXXX a XXXX XXXX guy. 

The reality is that these companies take advantage of the ingenuity and youth to be offering you credit cards every time you go to pay I remember that whenever you go to pay they tell you that you have a discount if you apply to the card, cards that when you are studying clearly in this he is studying to get into debt and then damage your credit for the future for this reason these debts that I have in collection are from credit cards since my car pays it daily, clearly these cards wanted to harm my future and they did so now I am XXXX I would like to restore my future and I want them to investigate the practice they did when I was younger to persuade me and profit from it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: World Acceptance Corporation
State: IN

Complaint narrative:
I couldnt pay the loan off due to the other party wasnt paying the loan. The other party agreed to make payments and didnt because of work related issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 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:
XXXX XXXX XXXX is not reporting current payments and continuing report to all 3 credit bureaus as being late despite making payments. XXXX XXXX XXXX is not reporting the correct loan amount on all major 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 2020-07-15 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX is not reporting current payments and continuing report to all 3 credit bureaus as being late despite making payments. XXXX XXXX XXXX is not reporting the correct loan amount on all major credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC
State: IN

Complaint narrative:
This company XXXX put this debit on my credit report during the COVID -19 pandemic To my knowledge no collection can put anything on your credit during this time. I demand they remove this immediately because it has brought down my credit score and I  dont owe this company any money

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 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: TX

Complaint narrative:
These are not my accounts, nor did I live at any of these addresses.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: NE

Complaint narrative:
To : Costco Anywhere Visa Business Card by Citi Date : Tuesday / XX/XX/2020 Re : Disputing your response letter dated XX/XX/2020 My initial complaint/dispute was with XXXX XXXX. On XX/XX/2020 this account was closed from their office and returned to you ( Citibank ) per their letter to me. On XX/XX/2020 you responded with information that is incorrect. It is your response to which I am now disputing. I will do my best to tackle this line-by-line so we are clear on this. 
First : that you have CLAIMED to be unauthorized - I am disputing this for this is not a claim, but a solid historical truth. Again, I was a victim of ID theft, and have a police report file to correspond to this. I noticed unauthorized charges on my XXXX account, and they removed the charges FOR the bank account was NOT even mine. Again, from my initial dispute letter to XXXX, the SAME last 4 digits that XXXX said the unauthorized charges came from - are the SAME last 4 digits of this problem. This account is NOT mine. 
Second : OUR RECORDS reflect that you alerted us ( and ) that you logged into Citi Online multiple times - I am disputing this for ( 1 ) What records are these? Are they phone recordings? If yes, then you will have to produce these recorded phone conversations if we must move forward in this. SOMEONE called you as me, but it was NOT me who called you. ( 2 ) Your records say I logged in multiple times. Your online records will show an IP address from where these multiple log-ins came from. I only use my phone and not any computer. So, again, SOMEONE logged in as me from their computer, but it was NOT me from my phone. 
Third : our RECORDS reflect you verified by phoneas well as payments that were made to the account which were returned by your financial institution - I am disputing this for which financial institution do your records show I have? I have only banked at XXXX XXXX, and they have NEVER withdrawn any payments made from me to you. This evidence will clearly show that I, from MY financial institution, have never pulled back any payments made. SOMEONE else did this from THEIR financial institution, but it was NOT me from 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 2020-07-15 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: TX

Complaint narrative:
These are not my accounts, nor did I live at any of these addresses.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 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: TX

Complaint narrative:
These are not my accounts, nor did I live at any of these addresses.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 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: IN

Complaint narrative:
On XX/XX/2017 another company took over this account. I reached out to the original company they never notified me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
Noticed credit card was not in wallet and immediately called chase to advise was adv credit was going to be given. After investigation states Im responsible for purchases. Purchases were made between XX/XX/XXXX and XX/XX/XXXX. Charges were unauthorized and I didnt give anyone permission to use my credit card information. However the claim was closed and state Im responsible

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-15 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Texas XXXX XXXX XXXX account paid off XX/XX/2020 and Texas XXXX XXXX XXXX is continuing to report account late after being paid off.

Company response to consumer: Closed with explanation