vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
In XX/XX/2020, I filed a dispute with this credit bureau about the unverified account : XXXX XXXX XXXX Account # XXXX. In those 2 months I have asked numerous times for a response and I have not received anything in response from these bureaus in over 30 days. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about this unverified and inaccurate account as of today. 
Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
In XX/XX/2020, I filed a dispute with this credit bureau about the unverified account : XXXX XXXX XXXX Account # XXXX. In those 2 months I have asked numerous times for a response and I have not received anything in response from these bureaus in over 30 days. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about this unverified and inaccurate account as of today. 
Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 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: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
On XX/XX/2020, MIDLAND FUNDING LLC add a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA MIDLAND FUNDING LLC has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-30 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: LA

Complaint narrative:
On XX/XX/2020 I sent a dispute letter for those accounts that I found unknown and inaccurate on my credit report it was almost 30 Days today but I haven't received any response. I was a victim of Equifax Data Breach. I demand to Remove ASAP those accounts or I will file a litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 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: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I had 3 credit card accounts with Chase. On XX/XX/2020, I made a {$330.00} payment to one of my cards. However, I miscalculated other expenses drawing on that account and when the payment posted, there was not enough money in the account. The payment bounced. On noticing this, I made a new payment of {$200.00}, which successfully posted on XX/XX/2020. 

On XX/XX/2020, the bank reattempted the missed payment and it bounced again. I did not know the payment was going to be reattempted. 

On XX/XX/XXXX or XX/XX/XXXX, I logged into my online account and saw that all 3 of my cards were marked as closed. I called customer service and they explained that this was due to the returned payment issue and stated they had sent me a letter. They indicated there was no reinstatement available. 

I am a regular user of all 3 cards and I always make on-time payments and nearly always pay off my card in full.

I live overseas and do not receive my mail on time, so I don't know when this letter Chase references may have been sent. I do know that in this day and age it is only reasonable to provide a message notification in the online portal as well. Chase also should have provided a warning that another returned payment would result in closure of the account, and either advised me that they would close ALL my accounts or only closed the one at issue. The sudden closure of all 3 accounts with no warning is unfair, as is the lack of ability to dispute the issue internally -- the customer service supervisor told me that when the bank closes the account the decision is always final.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 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: NC

Complaint narrative:
SOMEONE STOLE MY INFORMATION AND RAN UP MY CREDIT. I AM A VICTIM OF IDENTITY THEFT. THESE ACCOUNTS LISTED DON'T BELONG TO ME.

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 2020-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc.
State: WV

Complaint narrative:
On XX/XX/2020 I received a phone call from XXXX XXXX informing me that documents were going to be filed against me in XXXX County, XXXX CA. Within a week I then received a phone call from a company called Central Portfolio Control and also informed the gentleman that I would not confirm any of my private information. I then received " An Offer to Resolve '' letter from the same company stating that I owed {$630.00} but if I was going to pay immediately I only owed {$440.00}. I responded to this company stating I did not have any type of loans or credit cards with the two companies referenced, XXXX XXXX XXXX, XXXX or XXXX XXXX. I then contacted our local Sheriff 's Department and was advised to request a copy of my Credit Report and to file a complaint with the Federal Trade Commission. After receiving my Credit Report, I noticed the three companies referenced above were on my report. I filed a dispute to XXXX  stating I did not have anything to do with these XXXX companies. I then sent information to the Sheriff 's Office so they could file a Police Report. On XX/XX/2020 I received information back from XXXX  stating that XXXX XXXX  was going to be removed from my Credit Report however, XXXX XXXX  and XXXX XXXX XXXX XXXX were still requiring payment in full. On XX/XX/2020 I received another letter from Central Portfolio Control stating they had received my initial letter and they provided proof of the charges made on a Credit Card from XXXX. All of the charges are from businesses in and around the XXXX, CA area. In addition my name and an address of XXXX XXXX XXXX XXXX, XXXX CA XXXX was referenced on the statement. I did not nor currently live at this address. I have never made any charges on a XXXX XXXX to the businesses referenced on the statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 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: LA

Complaint narrative:
On XX/XX/2020 I sent a dispute letter for those accounts that I found unknown and inaccurate on my credit report it was almost 30 Days today but I haven't received any response. I was a victim of XXXX Data Breach. I demand to Remove ASAP those accounts or I will file a litigation.

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 2020-11-30 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: LA

Complaint narrative:
On XX/XX/2020 I sent a dispute letter for those accounts that I found unknown and inaccurate on my credit report it was almost 30 Days today but I haven't received any response. I was a victim of XXXX  Data Breach. I demand to Remove ASAP those accounts or I will file a litigation.

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 2020-11-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
XX/XX/XXXXthe company I work for - their payroll service ( XX/XX/XXXX) was hacked into and I was told to check my accounts including my credit accounts and activity. I checked XX/XX/XXXX and saw an unfamiliar inquiry on my account - XXXX  a store that I do not shop at. I am on the phone now with Capital one who services this stores credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Self Financial Inc.
State: GA

Complaint narrative:
Back in XXXX of 2020 I, XXXX XXXX called in and closed my self lender account and credit card. Self lender took my XXXX deposit to cover my balance they said I owed. A week later self attempted to take XXXX from my account which I stopped with my bank. Since closing of the account Self Lender has continuously reported my credit card as over the limit which have damaged my scores and prevented me from refinancing my home during this pandemic. I have called SelfLender numerous of times to get this problem handed and have gotten the run around each time. The latest time being XX/XX/2020. They have not only damaged my scores but also my husband scores as well. This is very much illegal and something needs to be done! We have not signed up for new accounts and do not owe self lender any money in fact they owe us money that we never received and have not made a issue about but the damaging of our scores is unacceptable!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK
State: TN

Complaint narrative:
On XX/XX/XXXX I paid Discover {$4300.00} to pay off a balance transfer offer that ended this same day. In my haste, I misread my statement that stated I in fact owed {$4300.00}, leaving {$81.00} to accrue interest beginning XX/XX/XXXX. I made another payment on XX/XX/XXXX in the amount of {$200.00} which should have satisfied this interest-bearing amount. I didn't notice the interest charged until my XXXX statement was available on XX/XX/XXXX. Being a holiday weekend, I waited to call Discover on XX/XX/XXXX. I spoke with XXXX for roughly 40 minutes, during which, she was unable to provide me with an explanation other than " that's how interest is charged. '' If you calculate the daily interest rate ( 0.1599 / 365 ), based on the number of days between XXXX ( 26 days ), the interest charge should have been roughly {$0.00}. After not addressing my concerns, XXXX transferred me to " someone else that can help you understand how to calculate interest. '' I was greeted by XXXX in the " Delaware Center '' who identified herself as a supervisor. She asked how she should help, but the previous representative had not transferred over any notes or my concerns, so I had to explain myself again to XXXX. XXXX proceeded to tell me that my billed statement was " incorrect '' and does not show the " average daily balance. '' However, when I challenged her on where the consumer could get this information outside of their physical billed statement, she said " you'd have to call in for that. '' Knowing I was getting nowhere with XXXX, I thanked her and called back to determine the amount currently bearing interest according the Discover 's " average daily balance '' which was told to me to be {$270.00} - a far cry from {$81.00}. This amount included a total interest amount of {$4.00}. I made a prompt payment in the amount of {$270.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-30 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: NC

Complaint narrative:
SOMEONE STOLE MY INFORMATION AND RAN UP MY CREDIT. I AM A VICTIM OF IDENTITY THEFT. THESE ACCOUNTS LISTED DON'T BELONG TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I have submitted all my personal information to Venmo and emailed them numerous times. They finally have contacted me back today and stated they still could not give proper reasoning to why my account is closed. I want full details or my account reopened.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION
State: TX

Complaint narrative:
I submitted a request for loan modification on XX/XX/2020. I was advised of additional documents that I need to submit, and I agreed to submit them within the given timeframe of 30 days. I was about to submit the additional documents they require from me, when I found out that they have already closed my application, wherein it hasn't been 30 days yet.

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 2020-11-30 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: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
On XXXX XXXX, 2020, MIDLAND FUNDING LLC add a derogatory mark on my credit report per XX/XX/XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA MIDLAND FUNDING LLC has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-30 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: SC

Complaint narrative:
In late XXXX of this year, I transferred the deed of the house I owned in XXXX,XX/XX/XXXX to my ex-boyfriend, XXXX XXXX. We broke up, he " bought me out ''. The mortgage of this home was held by XXXX XX/XX/XXXX XXXX XXXX of XXXX XXXX, XX/XX/XXXX. That account number was XXXX. 

On XX/XX/2020XX/XX/XXXX issued an escrow refund check made out to BOTH me and my ex. This check was for {$15.00}, XXXX Mr. XXXX intercepted the check as I no longer lived at the address we shared, and managed to keep 100 % of the funds of this check by doing the following : We had a joint checking account with Chase Bank - ending in # XXXX He signed the back of the check also writing " for deposit only ''. He deposited the check remotely, and the following day, when the check posted, he transferred all of the funds to his own personal checking account which is also through Chase. 

I have proof of all of these transactions. 

I called Chase, they said that it is very clear what Mr. XXXX did, that it was dishonest and that I am the rightful owner of half those funds as the check was clearly made out to me as well. He circumvented me by depositing in to the joint account, and then had the ability to do as he wished with the funds. Chaser admitted to me this was a fraudulent maneuver. However, Chase refused to reverse the transaction, allowing me an opportunity to receive my portion. 

I also contacted XXXX. I essentially received the same story from them. Yes, my name was on the mortgage, yes, the check was made to me, no, XXXX should not have been able to do anything with the check without my signature. Their advice - talk to Chase. Chase, as you read above, could not care less. 
Additionally, on the date of closing, I asked the settlement attorney if he wanted my update address, and he told me " No '', that it would not be necessary. 

I also emailed the Fraud Department of XXXX on two separate occasions, but I have not heard back at all. 

Please help. I work as a healthcare provider. I work very hard. I paid this mortgage and I am due what I put in.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: TN

Complaint narrative:
In accurate information as concerning bankruptcy that was dismissed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian and XXXX  has a Chapter XXXX bankruptcy on my report which they both say was verified thru they 3 party vendor XXXX who they claimed they certified it was accurate. I would like to exercise my rights to see that certification because i contacted XXXX and the told me its no bankruptcy for me in there data base ... On XX/XX/XXXX experian send me a email stating that it was verified and the item remains unchanged fr4om there processing of XX/XX/2020 dispute I respectfully ask that you investigate they actions and have them to contact XXXX and show proof that they contacted XXXX instead of them doing there own internal investigation without contacting XXXX. I submitted a new reinvestigation on XX/XX/XXXX with experian. Its been over 30 days and i have yet to receive a responds from 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 2020-11-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: Bridgecrest Acceptance Corporation
State: PA

Complaint narrative:
For the past few years that I've had this car there has been a precedent set by Bridgecrest for notifying of delinquencies. The few times I unfortunately got to the repossession stage I would receive an email telling me exactly what date I'd be up for repossession and there would be a banner on the web page when I logged in notifying of that same date. 
In XXXX I received such a notification and my car went up for repossession. My wife spoke with the reposession agent and told him that we were in the process of filing bankruptcy. He said he would take that information back to Bridgecrest. Two days later he was knocking on our door bright and early telling us that Bridgecrest advised him to pick up the car whether we were in bankruptcy or not. 
My wife called and spoke to an agent about the matter and gave the agent the last {$650.00} we had to our name. It meant we were going hungry but we needed the vehicle. The agent told my wife this would stop reposession and give us time to work something out. This was on XX/XX/XXXX. 
We started trying to gather money to get caught up and to pay for our bankruptcy filing. On XX/XX/XXXX, in the middle of the night, the day before XXXX, with ZERO warning, our car was reposessed. The agent pulled it so hard there are still marks on our driveway ( that we would like fixed ). There was no email with a reposession date, no banner on the website. None of the notifications that had been established over the life of the loan. Its as if because they knew we were filing bankruptcy they decided to just snatch it, and worry about it later. 
At this point we don't want the car back. We'll only be giving it back in bankruptcy anyway. What we do want is for Bridgecrest to keep the vehicle, remove it from my credit report, and not come after us for any deficiency. Bridgecrest was told numerous times about our bankruptcy filing and we will have no problem reporting them to the trustee for violation of the automatic stay that is in place. In lieu of reporting that and causing them legal and financial trouble, we simple want our business with Bridgecrest to be complete. We would like to go get our personal belongings from the vehicle and then would like something in writing from bridgecrest stating that the entire account will be removed from my credit report and the deficiency balance waived. We are prepared to take this to our trustee and as far as we can because what Bridgecrest did was wrong and they know it.

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