vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have an account with XXXX XXXX XXXX  account # XXXX This account should no longer be reporting on my credit report. It is past the six years nine month mark since I was late. I also noticed that each bureau is reporting a different month for the item to come off. Who isn't doing a proper investigation and making sure only accurate and timely information is reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-17 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: NY

Complaint narrative:
I have disputed this account from XXXX XXXX and its still reporting on my credit reports. This school loan isnt mine and I have never took out any loans from this school. I never received any contact ( phone, email, letters ) from this school saying i am a student and owe this debt. Please delete this collection account of my credit reports. This isnt my debt and i dont owe nothing to this school. I also have numerous inquiries listed on my credit reports that are not mine. Someone is using my information and trying to open up accounts in my name.

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 2018-09-17 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: KS

Complaint narrative:
I submitted a credit dispute around XX/XX/XXXX and results were mailed back to me that dated XX/XX/XXXX. A previous dispute was submitted before this one, but I can not recall the dates. This dispute was to correct an error showing that a collection occurred on XX/XX/XXXX for a student loan from XXXX XXXX XXXX XXXX. I had provided a statement from XXXX stating that the account was paid in full as of XX/XX/XXXX. I tried to explain that the account was not a collection but should have been a paid-off status, even reasoning that an account could not possibly go from good standing to a past due collection. All of these attempts to change the incorrect information have failed. The XXXX account marked as a collection in XX/XX/XXXX needs to be changed to a good standing account that was paid and closed in 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 non-monetary relief
Consumer complaint received 2018-09-17 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: NJ

Complaint narrative:
The auto loan for {$100000.00} was extinguished in a chapter XXXX filing Open accounts in good standing Based on your credit report TOTAL OPEN BALANCES {$110000.00} {$520.00} CREDIT CARDS $ {$2500.00} REAL ESTATE {$0.00} AUTO LOANS {$100000.00} STUDENT LOANS {$0.00} OTHER LOANS {$0.00} COLLECTIONS {$0.00}

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 2018-09-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I previously have contacted these companies regarding the late payments they're reporting on my credit report for validation of proof of the late payments. After several attempts no justification has been satisfied with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17 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: NJ

Complaint narrative:
The auto loan for {$100000.00} was extinguished in a chapter XXXX filing Open accounts in good standing Based on your credit report TOTAL OPEN BALANCES {$110000.00} {$520.00} CREDIT CARDS $ {$2500.00} REAL ESTATE {$0.00} AUTO LOANS {$100000.00} STUDENT LOANS {$0.00} OTHER LOANS {$0.00} COLLECTIONS {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17 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: NJ

Complaint narrative:
The auto loan for {$100000.00} was extinguished in a chapter XXXX filing Open accounts in good standing Based on your credit report TOTAL OPEN BALANCES {$110000.00} {$520.00} CREDIT CARDS $ {$2500.00} REAL ESTATE {$0.00} AUTO LOANS {$100000.00} STUDENT LOANS {$0.00} OTHER LOANS {$0.00} COLLECTIONS {$0.00}

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 2018-09-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Card Receivables Fund Incorporated
State: KY

Complaint narrative:
I received a call today from a company claiming to be XXXX XXXX, XXXX, from telephone number XXXX. The person speaking said their name was " XXXX XXXX. '' They claimed to be trying to collect on a XXXX debt in default since 2012. This debt is one which I settled with XXXX XXXX approximately 6 months ago in an out of court settlement. I informed them the debt had been settled and they requested confirmation of this. The e-mail they gave me was : XXXX ( very suspicious ). 

I can find no record of this company, beyond complaints about it and suspect it is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: IN

Complaint narrative:
Upon reviewing my credit report Id noticed XXXX XXXX XXXX reporting a balance of {$370.00} which I do not recall this account nor receiving a notice from them. I contacted them by fax @ XXXX ) XXXX with a letter requesting documentation bearing my signature. This item is reporting on my XXXX, XXXX, and XXXX report which is in violation of the FCRA if documentation bearing my signature which Im entitled isnt provided this item should be removed immediately.

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 2018-09-17 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: Capstone Credit & Collection, LLC.
State: FL

Complaint narrative:
this is against three debt collectors capstone credit, XXXX XXXX XXXX, and XXXX XXXX XXXX, i have disputed the information on my credit report 8 times capstone credit is a debt collector that bought this debt from an apartment complex name XXXX   XXXX XXXX, im sending you documents about this account first thing i recentcly found out that i was declined entry on my origanal application and when i was evicted in XXXX they only wanted possession they never filed the second part of the eviction under florida law to go after me for rent i owed they put it on my credit reports in XXXX of XXXX, when they had 20 dayafter the final date of XX/XX/XXXX to do so. XXXX   XXXX XXXX was a lease agreement that i entered into to get furniture in XXXX subsequenty the building was condemed in XXXX XXXX so they could not of delivered it to that address in XXXX as the building was torn down in XXXX of XXXX an as you look at the signature line there is not one on top of the fact that they are not licensed to collect debt in florida .XXXX XXXX XXXX was a medical bill that i proved did not belong to me and had it removed from my XXXX  report and now they have added it back to my XXXX report and my XXXX report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have disputed this account from XXXX XXXX and its still reporting on my credit reports. This school loan isnt mine and I have never took out any loans from this school. I never received any contact ( phone, email, letters ) from this school saying i am a student and owe this debt. Please delete this collection account of my credit reports. This isnt my debt and i dont owe nothing to this school. I also have numerous inquiries listed on my credit reports that are not mine. Someone is using my information and trying to open up accounts in my name.

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 2018-09-17 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: NY

Complaint narrative:
I have disputed this account from XXXX XXXX and its still reporting on my credit reports. This school loan isnt mine and I have never took out any loans from this school. I never received any contact ( phone, email, letters ) from this school saying i am a student and owe this debt. Please delete this collection account of my credit reports. This isnt my debt and i dont owe nothing to this school. I also have numerous inquiries listed on my credit reports that are not mine. Someone is using my information and trying to open up accounts in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17 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: MD

Complaint narrative:
Equifax and XXXX was notified over 30-45 days ago referencing my XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX, XXXX accounts not being reported. Creditors confirmed account ( s ) were being reported on a monthly basis. Equifax continues blocking my credit file from mortgage companies and/or other lenders that originate mortgages. 

From XX/XX/2018 to XX/XX/2018 Equifax forward calls to offshore company to handle the account with no resolution but to contact provider of the account " XXXX XXXX XXXX, XXXX, XXXX, and XXXX XXXX XXXX. XXXX, XXXX state to contact the banks with no resolution otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17 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: WV

Complaint narrative:
On XX/XX/XXXX I was dismissed by court on being the one responsible to make the payments on the mortgage. The late payment made on the home by my ex husband was on XX/XX/XXXX this is when his payment was made on the mortgage. No other information was given to me by the bank. No registered letters in the mail. No phone calls. This company knew where I was employed. Made no attempts to contact me. House was foreclosed on XX/XX/XXXX without either of our knowledge. Again no contact from the lender. House was sold XX/XX/XXXX for back payments. On the credit report it is showing a XXXX XXXX. date of XXXX ( House was sold already ) so this is incorrect. Even shows late payments XXXX through XXXX after the house was sold. If I have no balance on this home why are there late payments showing on my account? Why was I notified on anything involving this home?

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 2018-09-17 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: WV

Complaint narrative:
On XX/XX/XXXX I was dismissed by court on being the one responsible to make the payments on the mortgage. The late payment made on the home by my ex husband was on XX/XX/XXXX this is when his payment was made on the mortgage. No other information was given to me by the bank. No registered letters in the mail. No phone calls. This company knew where I was employed. Made no attempts to contact me. House was foreclosed on XX/XX/XXXX without either of our knowledge. Again no contact from the lender. House was sold XX/XX/XXXX for back payments. On the credit report it is showing a Max delq. date of XXXX ( House was sold already ) so this is incorrect. Even shows late payments XXXX through XXXX after the house was sold. If I have no balance on this home why are there late payments showing on my account? Why was I notified on anything involving this home?

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 2018-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
I've contacted this company regarding this account as my current report reflects that I've disputed and requested to be permanently removed as this account is not mines and placed on my credit report with this unknown company that I signed no obligations with.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: IN

Complaint narrative:
I viewed my credit report and noticed I C System reporting a balance of {$640.00} which I do not recall which is reporting on my XXXX, XXXX, and XXXX credit file. Id requested which a letter documentation bearing my signature which I am entitled to if the company claims Im the owner of this account. With failure to provide me this documentation is in violation of the FCRA. And this item should be removed immediately.

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 2018-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
i was trying to open a new credit card account and equifax has a freeze credit on the account, i dont know why. i tried calling equifax about the issue and they can't find me in their system so i have no idea where to get the help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Security National Automotive Acceptance
State: FL

Complaint narrative:
I held a small 401k account sponsored by the company. I was laid off in XX/XX/2016 and volunteered to transfer the account to an existing account. Their response was a {$200.00} fee on a {$400.00} balance Clearly I considered this to be extremely abusive and let the account stand. On XX/XX/XXXX the employer chose to terminate the account without my permission. I would have no issue but they took a XXXX % fee ( XXXX ) to simply process a check Not sure who made the profit. I assume this practice has been impacted by this practice. The company does have a history with the CFPB who found they were abusing consmers

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
On XX/XX/2018 we sold a plot of land at Lot XXXX XXXX XXXX in XXXX XXXX, XXXX XXXX Arkansas. The title company discovered that our mortgage company holding the mortgage on our home at XXXX XXXX XXXX in XXXX Arkansas has made a mistake on our mortgage documents and included a lien on the plot of land at Lot XXXX XXXX XXXX and another unrelated lot. 

During XX/XX/2018 we made several attempts to contact someone at US Bank to help us resolve the issue. We were transferred back and forth and finally given a fax # to send our documents to. We attempted to fax many times over several days but the fax never answered. We then were finally given an email address for a person at the bank we could send our documents to. After 3 email attempts with no response, I emailed that person that I would have to file a formal complaint if I didn't get some response. On XX/XX/2018 I received an email response that our file was being sent to their title department to fix. I waited another week and emailed again to inquire about the progress and received no response. I emailed the individual 2 more times and have not gotten any response. 

The closing for this land was originally set for XX/XX/2018. It has been postponed indefinitely until the bank releases the lien.

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 2018-09-17 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Regarding my XXXX Chase Credit Card, Earlier this year I transferred a balance from one credit  card to the XXXX Chase Credit Card at 0 % interest for 12 Months. A few months later I had to make some purchases on the credit card at the normal interest of 23.99 % APR. 

Over the next few months I started to notice the payments I was making, may have been applied partially to the balance with interest and the amount that had 0 % interest from the balance transfer. 

Before overreacting, I called Chase XXXX to determine if my payments were being applied to the balance with interest and not the balance without interest as indicated in the agreement. The customer service representative assured me that all payments made to my balance are first applied to the portion accruing interest first, then if that is paid off the remainder will start to be applied to the portion that has 0 % interest. 

To ensure this was happening here are my last two statements ; the most recent statement shows a XXXX payment made to my account in XXXX. 
On XX/XX/XXXX Balance Interest Charges Purchases 23.99 % ( v ) ( d ) - {$5700.00} {$110.00} Cash Advances 26.74 % ( v ) ( d ) - -XXXX- -XXXX- Balance Transfer 23.99 % ( v ) ( d ) - -XXXX- -XXXX- Balance Transfer Promotion 0.00 % ( d ) XX/XX/XXXX {$2800.00} XXXXXXXX XXXX  Statement shows the following payment structure : Previous Balance {$8500.00} Payment, Credits - {$3200.00} Purchases + {$41.00} Cash Advances {$0.00} Balance Transfers {$0.00} Fees Charged {$0.00} Interest Charged + {$84.00} Total Remaining- {$5400.00} In the following pages on the statement, this is the breakdown of my charges. 
Balance Interest Charges Purchases 23.99 % ( v ) ( d ) - {$4100.00} {$84.00} Cash Advances 26.74 % ( v ) ( d ) - - XXXX - - XXXX - Balance Transfer 23.99 % ( v ) ( d ) - - XXXX - - XXXX - Balance Transfer Promotion 0.00 % ( d ) XX/XX/XXXX {$2500.00} - XXXX - So if all payments made to my account are first applied to balance 's with interest, shouldn't my total balance with interest be shown as {$2500.00} instead of the higher priced {$4100.00} as shown above?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17 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: MD

Complaint narrative:
XXXX and TransUnion was notified over 30-45 days ago referencing my XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX, XXXX  accounts not being reported. Creditors confirmed account ( s ) were being reported on a monthly basis. XXXX continues blocking my credit file from mortgage companies and/or other lenders that originate mortgages. 

From XX/XX/2018 to XX/XX/2018 XXXX  forward calls to offshore company to handle the account with no resolution but to contact provider of the account " XXXX XXXX XXXX, XXXX, XXXX, and XXXX XXXX XXXX. TransUnion, XXXX state to contact the banks with no resolution otherwise.

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 2018-09-17 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: ALLY FINANCIAL INC.
State: SC

Complaint narrative:
I reached out to this company and credit bureaus to inform them all that this account was open fraudulently. I sent them certified letters on XX/XX/2018, XX/XX/2018, XX/XX/2018, and XX/XX/2018. It is now XX/XX/2018. I sent Ally Financial and XXXX and XXXX  a copy of my police report, ID Thief Affidavit, ID, my social security card, and my XXXX document showing that at the time these items were opened I was XXXX. The company has not responded to any of my letter directly, which is a direct violation of the fair credit reporting act.

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