vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
This account is more than 7 years old but has not been deleted from credit report. Account is also closed but continues to have over XXXX charge - offs which is against FTC regulations to report. 

1. XXXX XXXX XXXX {$7600.00} Paid, closed XXXX charge-offs Account number XXXX Account status Closed Date opened XX/XX/XXXX 2. BARCLAYS BANK DELAWARE {$0.00} Paid, closed XXXX charge-offs Account number XXXX Account status Closed Date opened XX/XX/XXXX XXXX. XXXX XXXX XXXX  XXXX XXXX {$1000.00} Paid, closed XXXX charge-offs Account number XXXX Account status Closed Date opened XX/XX/XXXXXXXX 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 2020-01-07 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: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
Chase Bank is reporting a fraudulent account that I never applied for. It is linked to an address in which I have never lived.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One Bank USA is showing I owe {$440.00} I never applied or used a Capital One Bank USA nor did I receive a Capital One Bank USA card I have asked for prof of what was purchased or prof I purchased the items they have not provided me with that information

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 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: UT

Complaint narrative:
XXXX is reporting a collection with a balance to my credit report. However I have already paid off this collection and it should not be reporting with a balance. I would like this removed as it is inaccurate and was already paid.

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 2020-01-07 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: UT

Complaint narrative:
XXXX is reporting a collection with a balance to my credit report. However I have already paid off this collection and it should not be reporting with a balance. I would like this removed as it is inaccurate and was already paid.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-07 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: BANK OF THE WEST
State: SC

Complaint narrative:
I was a client at Bank of the West. I relocated from XXXX to XXXX XXXX in XXXX, XXXX. On XX/XX/XXXX, I was levied a {$10.00} service charge for no deposit to my account. When I sold my house, I had the proceeds wired into my account. On XX/XX/XXXX, I was charged a {$15.00} fee for the wire transfer. I closed all accounts in mid-XXXX, XXXX and asked a check be mailed to me of all remaining funds in my accounts ( {$1100.00} ). On XXXX, the bank made a charge of {$62.00} to the closed line of credit account AFTER I had paid it off! The cashier 's check I received was for {$1100.00} and had been mailed on XXXX. On my XXXX, XXXX statement, it showed my accounts being overdrawn in the amount of {$0.00}! With this I was threatened with being turned into collections. The issue was finally cleared up by the bank branch manager by the XXXX, XXXX statement. On XX/XX/XXXX, I received a bank statement that shows on XX/XX/XXXX, I was charged an annual fee of {$25.00} for from XXXX, XXXX on the line of credit that was paid off and closed in XXXX, XXXX! This bank is charge crazy and will find any reason to demand money that is NOT deserved from the clients.

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 2020-01-07 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:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: AR

Complaint narrative:
I had an account with XXXX. They sold the account to other lenders and add it back on my credit as if it was just new. The account is over three years old. They are also doing soft inquiries on my credit without my permission. They are using portfolio recovery and the dates are not correct. I've contacted the credit bureau and disputed them. All of the things that supposed to be on my credit isn't. People are adding things to my credit without sending me notice or anything. Here are the dates for the soft inquiry for portfolio recovery. Inquired on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have not requested for anything such as a credit card or anything other than a car-loan on XXXX. I've contacted the dealership and asked them to stop making the inquiries after I didn't get approved. I had to have a co-signer which was my mother that has perfect credit and was promised. I don't have a lot on my credit which is great but the soft inquiries are hurting my score and I didn't request them. I currently have a freeze and fraud alert.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 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: UT

Complaint narrative:
XXXX XXXX is reporting an account with a balance to my credit report. However I have already paid this off and it should not be reporting with a balance. I would like this removed as it is inaccurate and was already paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 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: UT

Complaint narrative:
XXXX XXXX is reporting an account with a balance to my credit report. However I have already paid this off and it should not be reporting with a balance. I would like this removed as it is inaccurate and was already paid.

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 2020-01-07 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: GA

Complaint narrative:
It's not my accounts, They shouldn't even be appearing on my file, from what I know ( and I keep good track of my bills! ). I don't know where you got the following accounts. These oversights on your part are causing me a lot of trouble financially.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-07 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: UT

Complaint narrative:
XXXX XXXX is reporting an account with a balance to my credit report. However I have already paid this off and it should not be reporting with a balance. I would like this removed as it is inaccurate and was already paid.

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 2020-01-07 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: PA

Complaint narrative:
On XX/XX/2020 I received a notification that my credit score dropped 65 points because my account is closed. My account is very well open and in good status. This is the second time XXXX XXXX has reported the wrong information which is affecting my credit. I called and explained to them that I'm in the process of buying a house and they keep messing my score up witch will mess me up for getting my loan for my house. They have yet to correct it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: AMERINATIONAL COMMUNITY SERVICES, INC.
State: MN

Complaint narrative:
I am contacting you in reference to my loan # XXXX with AmeriNat and the questionable customer service which Ive received. 

On Friday, XX/XX/XXXX, I signed into your website ( https : //www.amerinatls.com/ ) in order to look into my existing loan with your institution. At which time I discovered that in spite of my making nearly 2 years of payments, my principal balance had only decreased by a little over {$2000.00}. As I have a median interest rate and loan amount, I found this dismal pay-down to be strange, so I called in to your customer service group with questions about my : loan, balance, interest rate and per diem. The first young lady whom I spoke to seemed to not know what a per diem was, as each time I asked her to calculate my current per diem, she replied with AGAIN giving me my interest rate. I ended this phone call due to frustration and instead utilized your website to explore my payment history myself. 

After going to XXXX and finding a basic formula for calculating daily interest and doing the math, I called into your customer service once more. The gentleman whom I spoke to was at least familiar with the term per diem and knew how to calculate it. After doing his own math, he agreed that the way my payments were applied seemed odd. At this point, I assumed that Id get a ticket or reference number for a review of my account and payment history, but no such luck! I was told that this young man would put my request in his pile and later review it with his manager before calling me back by XXXX. Unfortunately, I did not receive a callback or any other type of follow up for my concerns. Im disappointed that your institution seemingly doesnt have any escalation department or process to assist borrowers with this type of inquiry, so I am sending my complaint in writing and including the OCC and FTC in the thread. 

I have attached a spreadsheet of my loan history, and would like an investigation into my payment history & a breakdown of how my payments were applied going back to this loans inception. 

Here are just a few of my concerns with how my payments have been applied : I made 2 payments in XXXX on 2019 in the amount of $ XXXX/each. How is it that my principal and interest breakdown are the exact same for both payments? Please explain your math in calculating {$210.00} worth of interest when my records show that accrued interest should have been under {$160.00} I started routinely overpaying my loan by $ XXXX/month in XX/XX/2019. These overpayments do not appear to have been applied to principal, where are they?

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 2020-01-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Colony Brands, Inc.
State: FL

Complaint narrative:
Swiss Colony is showing that I owe {$260.00} I have never purchased any thing from Swiss Colony. I have asked them to send me the items purchased and prof it was me who ordered and received the items they say I owe for they said they could give me that information

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 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: UT

Complaint narrative:
Us Dept of Education is reporting an collection to my credit report. However I should have no collections with them as my accounts were in forbearance. This is in violation and there should not be a collection on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAVALRY INVESTMENTS, LLC
State: MI

Complaint narrative:
The company is passed validation period of 30 days to validate debt. Consumer reserves the right to dispute any portion of the debt by law of the Fair Debt Collections Practice Act and Fair Credit Reporting Act. The company is reporting late payments to credit bureaus where no way have I agreed are acknowledged the debt is mine. I have disputed this debt several times and am being sued for this debt and asked for an original signed contract with the original terms and interest which the collector is not supplying. The collector is using statements only for its course of validation. I do not remember this debt are agreeing to an open account yet alone having the account with the original creditor and do not remember are acknowledging going into any contractual account with either the original creditor are the debt collector. 
By law it is the burden of the Collector to show I legally owe the debt and I demand proof by way of contract and this complaint is my dispute and Validation notice to the debt collector to provide that proof within 30 days of receiving this dispute and if it can not provide the original contact it must be removed from my credit reports and all attempts to collect the debt must stop. 
I also have letters attached from my attempts to have this debt verified and my verification letter dated XX/XX/2020, again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ASG Solutions LLC
State: IN

Complaint narrative:
I received a voice mail from " XXXX '' from XXXX XXXX XXXX. Indicated that there is pending litigation and indicated they checked the DMV and they knew I had a car insured and registered to my home address and that I would be served.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 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: UT

Complaint narrative:
Us Dept of Education is reporting an collection to my credit report. However I should have no collections with them as my accounts were in forbearance. This is in violation and there should not be a collection on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc
State: IL

Complaint narrative:
My XXXX account was frozen due to a report of one speeding ticket. The report is false. The speed limit on the report was hire then the actual speed I was going at the time. 45mph on a 35mph road. The police officer had to purposely stated false information about me. Please help me. I need to work. I am a XXXX  and this is the only part time job that I can live off right now. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 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: ENCORE CAPITAL GROUP INC.
State: UT

Complaint narrative:
Midland Credit Management is reporting an account with a balance to my credit report. However I have already paid this off and it should not be reporting with a balance. I would like this removed as it is inaccurate and was already paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Over {$3000.00} dollars of items were fraudulently purchased at Macy 's using my wife 's Macy 's credit card ( I am the owner of the card and she is an authorized user ). {$1500.00} of it was at the XXXX XXXX Macy 's location on XX/XX/XXXX and the other {$1500.00} was at the XXXX XXXX location XXXX both in XXXX ). We weren't aware of these charges until we looked at our bill in mid to late XXXX at which point we contacted Macy 's to dispute the claims ( this process is still ongoing ). The details are attached We're a bit perplexed about how this could have happened for a few reasons : 1. As far as we know, we have both physical copies of the card 2. There's only a {$2000.00} credit limit on the card, so how were they were able to go purchase an additional {$1000.00}?

3. They say the purchase was made under my wife 's maiden name. I suppose someone would have to cook up an ID with that name on it? ( if the store clerks even bothered to check ) I've suggested to Macy 's that a simple pull of the security footage along with the photo on my wife 's Driver 's License would absolve us of any responsibility for these payments. We've also filed a police report. 

I've reiterated this information to Macy 's twice only to receive two identical letters claiming they determined my wife made the charges and that we are responsible for paying for them. My assumption is that someone used our information and that their investigation isn't taking into account physical evidence.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-07 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: LEXISNEXIS
State: IN

Complaint narrative:
I wrote a letter to LexisNexis in regards to wrong unverifiable information on my C. L. U. E auto report ( not at fault accident XX/XX/2018. ) I asked them to remove this information. I also asked them to freeze my account which they have, but never respond to my dispute. I know due to the F. C. R. A. They have 30 days to respond.. They have only responded to the security freeze.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 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: UT

Complaint narrative:
XXXX XXXX XXXX is reporting an account with a balance to my credit report. However I have already paid this off and it should not be reporting with a balance. I would like this removed as it is inaccurate and was already paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 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: UT

Complaint narrative:
XXXX XXXX XXXX is reporting an account with a balance to my credit report. However I have already paid this off and it should not be reporting with a balance. I would like this removed as it is inaccurate and was already paid.

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