vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-26 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: NJ

Complaint narrative:
XXXX XXXX XXXX put a 60 day late payment on my credit report for a Visa card that I have with them that I have not even had in my possession since XXXX. The charges stem from some late fees they claimed were on my account which should have never been there due to the charges on the account were fraudulent and had been disputed and were not adjusted properly on my account. I contacted XXXX and was assured everything was resolved and they even emailed me a letter to confirm they would contact the 3 major credit bureaus and have it removed off of my report They also sent me all the dispute information in the mail and my balance was supposed to be brought to XXXX and they raised my credit limit by {$500.00} and they were going to send me out a new card. The negative item was removed off of 3 credit bureaus and stayed on XXXX. I even put in a dispute as instructed by the XXXX rep to make the process faster. I called XXXX and informed them that it was still on one credit report and I spoke to the exact same gentlemen who handled the matter originally and he stated he would fix it and that he actually had the disputes that I did and he will rectify the matter. Instead he made and even bigger error by putting the late payment back on all of my credit reports and bringing my score down even further and I attempted to call and could not get through to him. This is my last effort before contacting a lawyer. They affected me getting a property and lowering the limits on other cards as it looked as though I have a recent 60 day late on my credit score. I also still have not even received my card and the credit bureaus are stating XXXX confirmed verified the account as being accurate with the late payment I do not have any late payments on my credit report except this.

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 2020-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Hello! My girlfriend and I recently applied for an apartment and after running my credit score it was determined that we would be approved with " condition ''. My social security number seems to be what the issue was and it seems like the company may have run my wrong one. I know i have a clean record and I have my social security card to prove that it is correct. My apartment complex is saying because of the flag on my social security they are charging us {$220.00} extra. So I am trying to get this fixed so that we aren't liable for the fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26 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: TX

Complaint narrative:
Hi my name is XXXX XXXX, I informed Experian that two public record are being reported incorrect as who is the report company It show the court name and address, The problem is, none of that information is accurate. The recorder of the court itself did not furnish any of this information to the credit bureaus. I obtained letters from courts over and over again, and they all confirm the same thing that they do NOT furnish information to any third party, including the credit bureaus. The credit bureaus provide you with false information about who furnished the information? XXXX  told that the bureaus get public records information from companies ( a.k.a. XXXX XXXX  ) like XXXX, or sometimes XXXX. These data miners are for-profit companies that are in the information-selling business. They regularly collect public records information into their database, and then they sell it to the main 3 credit bureaus. The credit bureaus do not list the data miner as their information provider. Whatever the reason, It is a violation of the Fair Credit Reporting Act to report false information. And claiming to get information from a court, when it is actually obtained from an unnamed 3rd party, that considered false information on your credit report. When I dispute the public record with the credit bureaus, they said they VERIFIED the information with the court! Again, this is completely false. They said they used typically utilize an automated computerized system called e-Oscar (  Online Solution for Complete and Accurate Reporting ) that automatically checks with the data miner. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical VALIDATION of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I do not consent to XXXX  or any means of automated verification.

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 2020-07-26 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: PENTAGON FEDERAL CREDIT UNION
State: TN

Complaint narrative:
Account reporting, for credit and FICO Score purposes, issues with Pentagon Federal Credit Union. PENFED is currently reporting my credit score in the low 400 's, without just cause. Each of my FICO scores, as reported by XXXX XXXX, XXXX ; XXXX, XXXX, and XXXX  XXXX, are as follows. While I disagree with my XXXX  and XXXX  reports and have repeatedly reported they are carrying erroneous information on my reports, the FICO score reported is considerably higher than the PENFED reporting. PENFED indicates they receive data from the referenced credit bureaus. There is no reason for this type of error, specifically in our given national emergency,

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 2020-07-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
This company has continued to change its name many times across the 3 major credit bureaus. They refuse to send me any information. I have attached the last letter sent to them dated XX/XX/2020. I have sent a certified letter to them every month since XXXX. They have continued to ignore my letters and have refused to send me any correspondence. They never sent a debt letter so that I could have the opportunity to dispute the debt. They only ignore all of my correspondences. They change their name from LVNV to Resurgent but list the same address. I have also sent letters to credit bureaus and they keep validating the debt even though I receive nothing from this agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26 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 — Problem with personal statement of dispute
Company: CBC Companies, Inc.
State: MI

Complaint narrative:
Factual Data Mortgage pulled a credit report in XX/XX/XXXX, I was trying to get finance to buy a house, the report they pull was Bogus, said XXXX   had not reported anything on my report and XXXX XXXX score was wrong as was XXXX I reported this company to the XXXX XXXX XXXX, got a call last week then today I looked a my experience report and the company had put on it that they pulled a report on XX/XX/XXXX, I was not even looking for a mortgage in XXXX, and FactuLData Mortgage want it to stay on my report until XX/XX/XXXX how can a company just lie and put and thing on your credit report, just because you reported them to the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26 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: TN

Complaint narrative:
Account reporting, for credit and FICO Score purposes, issues with XXXX XXXX XXXX XXXX. XXXX is currently reporting my credit score in the low 400 's, without just cause. Each of my FICO scores, as reported by XXXX XXXX, XXXX ; XXXX, XXXX, and Equifax XXXX, are as follows. While I disagree with my XXXX  and Equifax reports and have repeatedly reported they are carrying erroneous information on my reports, the FICO score reported is considerably higher than the XXXX   reporting. XXXX  indicates they receive data from the referenced credit bureaus. There is no reason for this type of error, specifically in our given national emergency,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26 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: TN

Complaint narrative:
Account reporting, for credit and FICO Score purposes, issues with XXXX XXXX XXXX XXXX. XXXX is currently reporting my credit score in the low 400 's, without just cause. Each of my FICO scores, as reported by XXXX XXXX, XXXX ; Experian, XXXX, and XXXX  XXXX, are as follows. While I disagree with my Experian and XXXX  reports and have repeatedly reported they are carrying erroneous information on my reports, the FICO score reported is considerably higher than the XXXX  reporting. XXXX  indicates they receive data from the referenced credit bureaus. There is no reason for this type of error, specifically in our given national emergency,

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 2020-07-26 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 am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

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 2020-07-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
OK, MY FRIEND SEND ME A INVITED TO MY PHONE BUT I LOTS IT.SO KNOW I'M SORRY TO SAY I PUT MY UNEMPLOYMENT CARD ON THE PHONE THAT GOT LOST AND SOME HOW I SENT {$75.00} DOLLARS TO SOME ONE I THOUGHT I WAS GETTING THE MONEY NOT SENDING IT OUT. NOW I WANT IT BACK PLEASE AND 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 2020-07-27 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Kashia Services
State: MA

Complaint narrative:
I got a {$1400.00} loan From Better Day Loans come to find out later they are charging me interest rate of 775.73 % Massachusetts has laws rules on loans no higher than 20 % APR. I have Reached out several times to Better Day Loans with no Success. This company trys to take advantage of tribal immunity and avoid interest caps. it's the FTC Act grants the FTC authority to regulate arms of XXXX XXXX, their employees, and their contractors. specifically regarding deceptive payday lenders hiding behind a XXXX XXXX. Lender its not above the law in Massachusetts this loan was deceptive and I feel I was taken advantage of. Please Find documents attached

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP
State: CA

Complaint narrative:
ON XX/XX/2020, MY UI USBANK RELIA CARD WAS REJECTING PURCHASES AND WAS NOT WORKING. I HAVE ATTEMPTED SINCE THIS DAY TO CALL CUSTOMER SERVICE, GO ONTO THEIR WEBSITE AND MOBILE APP. FOR 6 DAYS, I HAVE YET TO GET THROUGH TO ALL CUSTOMER SERVICE PHONE NUMBERS, THE WEBSITE AND MOBILE APP IS NOT WORKING CORRECTLY, CONTINUOUSLY STATING YOUR PASSWORDS, SECURITY QUESTION ANSWERS ARE INCORRECT, ALONG WITH MY CARD NUMBER, WHICH ALL HAVE BEEN ENTERED CORRECTLY. IVE BEEN LOCKED OUT, ALONG WITH FRAUD TAKING PLACE ON MY ACCOU NT AND I CANTY EVEN REPORT IT. I CAN NOT ACCESS MY AVAILABLE FUNDS, FOR SIX DAYS. I HAVE TRIED EVERY WAY POSSIBLE TO CONTACT SOMEONE. US BANK SAYS THEY ARE NOT AFFILIATED. THOUSANDS OF PEOPLE ARE HAVING THE SAME ISSUES. NO ONE IS ANSERING THE PHONES. ON HOLD FOR HOURS THEN GET DISCONNECTED. ITS INSANE PLEASE HELP

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 2020-07-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: U.S. BANCORP
State: DE

Complaint narrative:
My Husband refinanced his mortgage with Us Bank in XXXX of 2020, in XXXX I reached out to the loan processor to let him know that I was interested in applying for a Mortgage to get a bigger living space, the loan processor sentmy info to a mortgage officer who reached out to me and started the whole process, told me i was pre-approved for XXXX, based on my salary and credit, I gave them all my info they had me pay for an appraisal and an inspection, the closing date was scheduled on XX/XX/XXXX, I got a call on XX/XX/XXXX that I can not get the mortgage because I signed documents saying that my primary residence is my existing address, and I cant get the loan. I reviewed all the documents and my husband is the only borrower that signed as such on the mortgage. I feel as though I am being discriminated against because im XXXX and we shouldn't be successful or have anything. Not to mention the fact that by law they should have sent me a copy of the appraisal I paid for, and to date have not sent it. I applied with another lender who is trying to help me, after I explained the whole thing to them they thought it was outrageous. I feel like they had all the facts and waited till the last minute to XXXX me up. No empathy no remorse nothing treated me like trash.

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 2020-07-27 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 — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
During the Coronavirus pandemic my state KY forced me to close my XXXX XXXX  and was shut down for nearly three months. As it was for others this was very much a once in a lifetime set of circumstances that caused people to worry if their families and self my not make it etc. Under normal circumstances when I speak with a call center rep I write down notes ( dates, names etc ). I did not do that with Capital One. It is my position that I called capital one to take my payment method off of auto pay and to get covid relief. They claim that I didnt, my position is that it is entirely possible that they could have made a mistake and not properly notated this as everyone including call reps were under extreme duress. My. Credit report has always had a 100 % payment history and I have historically stayed around 700-720. As a result of this situation Capital one reported me as no. Payments through the nearly three months I was shut out of work. Now my family and I can not get a mortgage only bc of this. I have been told verbatim from a mortgage lender this Capital One situation has shut you out of a mortgage. It is very outrageous and unbecoming of Capital One to do this to someone who otherwise has had a close to 10 year financial relationships that has been mutually respectful and responsible. So not only did my family and I almost lose our XXXX XXXX, fear we may die but now we cant get a home for our XXXX kids. We are currently living with a family member in a two bedroom condo all staying in one room. I have always respected my credit report and respected my obligation as a borrower and now the one time I needed help Ive gotten railroaded. My 100 % history to this point has gotten nothing in return. This time is not normative for everyone and we would all do well to help each other especially those that are actually trying. Please HELP, this isnt right!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I purchase a puppy through a website on XX/XX/XXXX, sent the money through XXXX {$600.00} but never received the puppy. I have sent messages and emails to the company but no return from them. I XXXX  the company 's website for reviews to find out that the company is a fraud a scam. I called my bank and they told me that they are not responsive and I should call XXXX. I called XXXX many times but I was not able to talk to a customer service. I believe that the bank or XXXX should be responsive for allowing a scam company open an account with them. Shouldn't them be more careful and protect us, their customers?

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 2020-07-27 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Please review attached documentation. Capital One has violated me as a federally protected consumer under the provisions of 15 USC 1692.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: MT

Complaint narrative:
This complaint is in regards to inaccurate credit reporting from XX/XX/XXXX to the date of this complaint. The debt which is the matter of this dispute is a credit card debt with the XXXX XXXX XXXX ( XXXX XXXX XXXX ). 

On or around XX/XX/XXXX, I contacted Transworld Systems , Inc. ( TSI ), a debt collection agency to which the XXXX XXXX XXXX had assigned my credit card debt, to pay off my debt in a lump sum. I was told that my current balance was {$2500.00}, which I paid over the phone during the conversation ( copy of the check attached for reference ). In mid-XX/XX/XXXX, I contacted TSI regarding inaccurate credit reporting because my credit report showed a {$40.00} balance and the debt showed as " past due account in collections. '' TSI 's customer service representative assured me that the information would be fixed to reflect accurate reporting showing a XXXX  balance and that the account was paid in full. On or around XX/XX/XXXX, I contacted TSI again with the same concern because the account was still showing as {$40.00} past due in collections. This time, the collections agent told me that the {$40.00} was, in fact, a credit for " overpayment '' and that I should receive a check from the XXXX XXXX XXXX for {$40.00}. On or around XX/XX/XXXX, I received a check from the XXXX XXXX XXXX for {$39.00} ( attached for reference ) ; however, the account still shows as past due {$40.00} with a collections agency. On XX/XX/XXXX, I contacted the XXXX XXXX XXXX, the collections agent repeatedly ignored my concerns regarding the inaccurate credit reporting. My main concern in this matter is not the {$40.00} but rather the eight months of inaccurate credit reporting in violation of both the FDCPA and the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Paypal Holdings, Inc
State: DC

Complaint narrative:
on XX/XX/XXXX made a {$170.00} digital gift card purchase from pay pal to make a {$160.00} XXXX   purchase from XXXX XXXX  an online sale of XXXX XXXX. on XX/XX/XXXX i contact XXXX XXXX only to find out that pay pal did not process the digital gift card at which point i demand a refund which paypal refused stating no refund on gift card i purchase this card for the sole purpose of a transaction with XXXX XXXX since its pay pals negligent in processing the transaction. digital gift order # XXXX Amount {$170.00} case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MS

Complaint narrative:
On XX/XX/2020 I contacted Midland Funding via certified mail about a frivolous alleged debt they are reporting a collection on my credit file to the credit bureaus. I requested that they send me documentation/contracts with my signature on it, To verify this debt is mines. The {$600.00} they say I owe is frivolous, I have never did any business with Midland Funding. 

After contacting Midland Funding about this matter twice by certified mail, I started receiving personal phone calls from their customer service agents early in the mornings and afternoons about this debt. 
Midland funding haven't provided me with any proof of documentations with my signature acknowledging that I have a contract with them. I never purchased or borrow anything from this company. 
This is a clear violation of the Fair Debt Collection Practice Act and the Fair Credit Reporting Act!!!!

Company response to consumer: Closed with non-monetary relief