vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
This company, LVNV Funding have collection in my credit file. This is suppose to be from XXXX XXXX. I have never had credit card in question. I have ask for any written document that shows my signature but they have failed to provide any evidence. I have filled two identity theft with FTC and have submitted that to them. I have also filled a copy from another company but still they are still have this collection on my file. I have send a copy of my lease indication where I have resided since 2000 and still no respond. My next move is to file action against these company in Small Claims Court. I will mail copies of my lease and some more documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
I was paying my card regularly after i bought furniture from XXXX XXXX. Last month, my balance was less than {$700.00} and now I am at more than {$3600.00} because of more than {$3000.00} interest added to the account. 
The above shows that these guys are predators. I could pay this amount but I would rather sue the company as I believe that their actions impact a lot of the people that deserve to be helped, the vulnerable. 
Furthermore, I have never seen that statement as I always go in my account and pay and leave. Also see the minimum payment due in XXXX, if they really wanted to warn anybody, they would have made it the remaining balance and they did not because it is a trick. They should be ashamed of themselves. Additionally, it was funny that they threatened me with another promotion that would be ending mid XXXX, and that is supposed to make me pay off the interest promptly. XXXX XXXX methods are simply despicable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC
State: VA

Complaint narrative:
On XX/XX/20 : I received a notification from my credit monitoring service that there was a new collection on my account by sequium. 

On XX/XX/20 : I called sequium paid off the entire amount in full, eventhough I never received written notice of the debt or it was going to be reported to my credit bureaus. I was told by the representative that it will be deleted from the 3 credit reporting agencies within a week and I should receive a letter in my email stating the debt was paid in full. 

On XX/XX/20 : I called sequium back and spoke to numerous persons on the phone. I was actually hung up on twice. I told the customer representatives that I never received the letter of paying in full as promise and I asked how long would it take for sequium to remove this collection off of my credit reports. They said they do not remove collections off of credit reports, eventhough they are the ones that reported them. 

I also told them that I didnt receive written notification about the debt prior to it being reported to credit bureaus. So, I could atleast review the debt or dispute it. They failed to comply with FCRA ; after stating this to one of the customer service representatives. I was told to email them as to why it should be deleted and to write that I didnt receive written notification and they were not complying with the fair credit reporting act. 

I still havent received any definitive reply stating that when the collections will be removed off of my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
they closed my account on XX/XX/XXXX they didn't reopen it even after i follow the rules ( i deposit my wages check they closed it for security and of course they charge me for the check not going trough so my buss called in and verify but nothing has moved since then and they charge each month for my account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Can you help please? 
I put my wife 's stimulus check in my bank and they closed my account and keep the money and will not return check. I have been in contact with my local branch and they can't get the corporate SunTrust to release the check or money for two months now. Every time they would say a letter would come in mail. 
It all started when the XXXX SunTrust bank closed due to CoVid19 so I deposited the check in the atm at bank. I check my bank account on line and the check showed up a couple days later. I went to an atm to get some money out but atm would not work or log in to bank. I called bank to find out the bank put a hold on my account but would not tell me why but said a letter was in the mail to explain why in 7 to 10 business days. I waited and did get a letter saying the check I deposited was being held for 7 to 10 days as it is there policy but that would not affect any other deposits or atm with draws. So I call them as my bank account was not working and found out SunTrust fraud department had closed my account due to the check was in my wife 's name and she's not on the account. I get direct deposit from XXXX XXXX and they sent a bank check in the amount to me after 7 to 10 days later. I got my last bank Statement from them witch show the stimulus check for {$1700.00} and my pay check being deposited and the closing with being both of them being sent out but all I got was pay check. I am still trying to get my money from them but every time I talk to them it takes 7 to 10 days.

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 2020-06-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
This company, XXXX XXXX have collection in my credit file. This is suppose to be from Capital One. I have never had credit card in question. I have ask for any written document that shows my signature but they have failed to provide any evidence. I have filled two identity theft with FTC and have submitted that to them. I have also filled a copy from another company but still they are still have this collection on my file. I have send a copy of my lease indication where I have resided since 2000 and still no respond. My next move is to file action against these company in Small Claims Court. I will mail copies of my lease and some more documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-19 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: GA

Complaint narrative:
There are several items that are inaccurately reporting on my credit file. The following items are reporting either in error or as a result of identity theft : Incorrect Name : XXXX ( XXXX  is reporting this incorrect name spelling ) XXXX  - XXXX XXXX - According to XXXX Open date XX/XX/XXXX and According to Experian Open date XX/XX/XXXX Bal : {$740.00} XXXX XXXX - XXXX ( reporting on XXXX, XXXX, and Experian ) XXXX has an opened date of XX/XX/XXXX and Experian and XXXX  has an opened date of XX/XX/XXXX. 

Unauthorized Inquiries : XXXX, XXXX XXXX, XXXX/XXXX  XXXX, XXXX XXXX ( 6 times ), XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX/XXXX  XXXX, XXXX XXXX, XXXX/XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX/XXXX, XXXX ( 2 Times ) I was never late on my XXXX  XXXX XXXX XXXX in XXXX or XX/XX/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 2020-06-19 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: GA

Complaint narrative:
There are 2 accounts that are reporting inaccurate late payments. The following accounts are : Dept Ed/XXXX  Date Opened : XX/XX/XXXX Balance : {$3000.00} ( Equifax, XXXX, XXXX  ) Dept Ed/XXXX  Date Opened : XX/XX/XXXX Balance : {$5400.00} ( Equifax, XXXX, XXXX  )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 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: IL

Complaint narrative:
Equifax doesnt reflect correct balance and status for my XXXX XXXX account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There are 2 accounts that are reporting inaccurate late payments. The following accounts are : Dept Ed/XXXX  Date Opened : XX/XX/XXXX Balance : {$3000.00} ( XXXX, TU, XXXX  ) Dept Ed/XXXX  Date Opened : XX/XX/XXXX Balance : {$5400.00} ( XXXX, TU, 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 2020-06-19 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: GA

Complaint narrative:
There are 2 accounts that are reporting inaccurate late payments. The following accounts are : Dept Ed/XXXX  Date Opened : XX/XX/XXXX Balance : {$3000.00} ( XXXX, XXXX, Experian ) Dept Ed/XXXX Date Opened : XX/XX/XXXX Balance : {$5400.00} ( XXXX, XXXX, Experian )

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 2020-06-19 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:
all ftc violations reported : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  twice $ XXXX {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There are many accounts reporting that does not belong to me. There are also inaccurate personal information that is reporting : Incorrect Name : XXXX ( Transunion ) Incorrect Name : XXXX XXXX XXXX XXXX  XXXX Incorrect Address : XXXX XXXX XXXX XXXX XXXX, TU,  XXXX ) Incorrect Address : XXXX XXXX  XXXX XXXX ( Transunion & XXXX  ) Incorrect Address : XXXX XXXX XXXX ( XXXX  XXXX The following accounts were a result of identity theft : Onemain Opened XX/XX/XXXX ( TU ) Opened XX/XX/XXXX XXXX XXXX  & XXXX  ) Bal : {$0.00} XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX Bal : {$100.00} ( XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX Bal : {$620.00} ( XXXX  XXXX XXXX XXXX XXXX XXXX XXXX is no longer in dispute. Please remove dispute status I did not not authorized the following inquiries on my credit file : XXXX ( 2 TIMES ) XXXX XXXX XXXX   XXXX XXXX 2 TIMES ) XXXX XXXX XXXX ( 2 TIMES ) XXXX ( 3 TIMES XXXX XXXX XXXX XXXX 3 TIMES XXXX XXXX XXXX XXXX XXXX XXXX ( 2 TIMES ) 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 2020-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Too many people called XXXX and me and distracted us from focusing on my family during the crisis. My credit is a mess because of 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 2020-06-19 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:
all ftc violations reported : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX sXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX twice $ XXXX {$1000.00}

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 2020-06-19 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:
all ftc violations reported : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX twice $ XXXX {$1000.00}

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 2020-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX  XXXX XXXX XXXXXXXXDispute XXXX XXXX XXXXUnder Dispute XXXX XXXX XXXXUnder Dispute XXXX XXXX   XXXXUnder Dispute XXXX XXXX XXXXnder Dispute XXXX XXXX XXXXUnder Dispute XXXX XXXX   XXXXUnder Dispute XXXX XXXX XXXXnder Dispute XXXX XXXXUnder Dispute XXXX XXXX  XXXXUnder Dispute XXXX XXXX XXXXUnder Dispute XXXX XXXX XXXX   # XXXXUnder DisputXXXX XXXX XXXX XXXX IDispute XXXX   XXXX XXXXUnder Dispute all were filed to ftc

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 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: TX

Complaint narrative:
XXXX  XXXX XXXX XXXXDispute XXXX AXXXX XXXXUnder Dispute XXXX XXXX XXXXUnder Dispute XXXX XXXX   XXXXUnder Dispute XXXX XXXX XXXXUnder Dispute XXXX XXXX XXXXUnder Dispute XXXX XXXX   XXXXUnder Dispute XXXX XXXX XXXXUnder Dispute XXXX XXXXUnder Dispute XXXX XXXX XXXXUnder Dispute XXXX XXXX XXXXUnder Dispute XXXX XXXX XXXX   # XXXXUnder Dispute XXXX XXXX XXXXXXXX XXXXDispute XXXX XXXX XXXXUnder Dispute all were filed to ftc

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 2020-06-19 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: TX

Complaint narrative:
XXXX XXXXXXXX XXXX SERVICESDispute XXXX XXXX XXXXUnder Dispute XXXX XXXX XXXXUnder Dispute XXXX XXXX   XXXXUnder Dispute XXXX XXXX XXXXUnder Dispute XXXX XXXX XXXXUnder Dispute XXXX XXXX   XXXXUnder Dispute XXXX XXXX XXXXUnder Dispute XXXX XXXXUnder Dispute XXXX XXXX  XXXXUnder Dispute XXXX XXXX XXXXUnder Dispute SXXXX XXXX XXXX   # XXXXUnder Dispute XXXXXXXX XXXX XXXX XXXXDispute XXXX XXXX XXXXUnder Dispute all were filed to ftc

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 2020-06-19 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: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
Account has been closed since XX/XX/XXXX. XXXX is reporting the account is open and Im currently 180 days late as of XX/XX/XXXX. This account is a charge off and has been reporting as such for four years. This inaccurate information. And is hurting my credit with false information.

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 2020-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There are many accounts reporting that does not belong to me. There are also inaccurate personal information that is reporting : Incorrect Name : XXXX ( XXXX  XXXX Incorrect Name : XXXX XXXX XXXX XXXX  XXXX Incorrect Address : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX Incorrect Address : XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX Incorrect Address : XXXX XXXX XXXX ( Equifax ) The following accounts were a result of identity theft : XXXX  Opened XX/XX/XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXX XXXX  & Equifax ) Bal : {$0.00} XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX Bal : {$100.00} ( XXXX  XXXX XXXX XXXX - Opened XX/XX/XXXX Bal : {$620.00} ( Equifax XXXX XXXX XXXX XXXX XXXX XXXX is no longer in dispute. Please remove dispute status I did not not authorized the following inquiries on my credit file : XXXX  ( 2 TIMES ) XXXX XXXX XXXX   XXXX XXXX 2 TIMES ) XXXX XXXX XXXX ( 2 TIMES ) XXXX ( 3 TIMES XXXX XXXX XXXX XXXX 3 TIMES XXXX XXXX XXXX XXXX XXXX XXXX ( 2 TIMES ) XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I had an automatic payment of {$140.00} taken from my XXXX monthly for almost 2 years that was made to cover a past government debt. Upon the COVID19 issue the auto payment was stopped by the government and the payments started reporting as delinquent in my credit. I contacted XXXX and the company that handles the collection and paid the past due balance of {$950.00} in full and the Dept of Treasury still has not updated my status to show XXXX balance and still reporting as past due on my credit. Ive disputed this 4 times without any luck and its damaging my credit. They are not properly investigating this issue.

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 2020-06-19 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: DISCOVER BANK
State: AR

Complaint narrative:
On XX/XX/2017, I wrote to CFPB. You all helped me prove to Discover that I wasn't liable for the fraudulent use of a credit card that was illegally obtained in my name. Discover removed the fraudulent use of the card from my credit report, and stopped the judgement. However, the funds from the judgement ( I never received a court summons, because the address used was an address I didn't live at ) where never returned. There was a lien on my bank account and a garnishment from XXXX ( a temp job ). I would like those funds returned. 

Thanks,

Company response to consumer: Closed with explanation