vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-20 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: WA

Complaint narrative:
My credit rating for all three companies continuously shows delinquent charges even when XXXX XXXX & their Mortgage company XXXX XXXX has formally submitted a mortgage condemnation XXXX to the IRS. All three credit reporting companies have not updated my credit rating since XX/XX/2020 even after being shown proof that the claims are fraudulent claims by XXXX XXXX & their Mortgage  company XXXX XXXX. They have repeatedly denied any wrong doing and tell me how to repair my credit rating which I have tried but produce no results. The mortgage in question was an illegal mortgage to begin with and the house needs to be condemned because it is not built to national or local building codes. Because of the incorrect reporting they are slandering my reputation, my creditability and my credit rating on a daily basis. Here is a link to all the evidence. https : 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 2020-10-20 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: WA

Complaint narrative:
My credit rating for all three companies continuously shows delinquent charges even when XXXX XXXX & their Mortgage company XXXX XXXX has formally submitted a mortgage condemnation 1099 to the IRS. All three credit reporting companies have not updated my credit rating since XX/XX/2020 even after being shown proof that the claims are fraudulent claims by XXXX XXXX & their Mortgage company XXXX XXXX. They have repeatedly denied any wrong doing and tell me how to repair my credit rating which I have tried but produce no results. The mortgage in question was an illegal mortgage to begin with and the house needs to be condemned because it is not built to national or local building codes. Because of the incorrect reporting they are slandering my reputation, my creditability and my credit rating on a daily basis. Here is a link to all the evidence. XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On XX/XX/2020, I applied to Citi Bank double cash credit card. 
During the online application process, there was no prerequisite or any indication that indicate I need to be a citizen or a XXXX XXXX   holder to qualify for the card. 
And thus I continued the application and allowed the bank to run a hard inquiry on my credit report. 
However after the hard inquiry, I contacted the bank to check the status of my application, and I was told that the only way to approve the application is to provide a proof of US citizenship or green card. 
I am not a XXXX or XXXX XXXX, but I'm a XXXX XXXX ( an  XXXX with a pending 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 2020-10-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
This is concerning a payment to my XXXX card from CapitalOne. I was set up for autopay for the statement balance of for this card. My statement balance was XXXX. I cancelled my autopay and made a payment of {$550.00}. This was the only payment I authorized. One day after my due date, I saw that CapitalOne had taken out XXXX and XXXX, which is about {$540.00} more than my entire balance at the time. Every other credit card I have does not allow you to pay more than whats owed. They dont let you make multiple payments is an autopay is pending, and they have alerts. Not only does CapitalOne not give any warnings and allow duplicate payments, they also accept payments above the amount they you owe them. When I called them to cancel the payment, they said they would mail the overage owe me in 7-10 business days, although their automated system says 60-90 days. They should not be allowed to automatically withdraw money from your account more than what you owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 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: Convergent Resources, Inc.
State: AR

Complaint narrative:
I've recently been in contact with the credit bureaus over the past couple of months due to accounts appearing on my credit report that I never opened or received any goods or services on behalf of. Even though this has been a ongoing dispute I've noticed yet another clear violation of the Fair Debt Collection Practice Act being permitted by Convergent Outsourcing whom has violated section 1692e 8 (  Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed ) Convergent Outsourcing has failed to mark this debt or account has disputed which is automatic grounds for removal of this account from credit report. I will included supporting documentation along with this claim.

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 2020-10-20 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TOLEDO FINANCE CORPORATION
State: TX

Complaint narrative:
Toledo Finance Corp in XXXX Texas has continuously called my job on a weekly bases. 2 times per week since XX/XX/XXXX - XX/XX/XXXX. I have repeatedly asked the Loan company to please not call me job, but they continue to do so. Toledo agents are calling from different office numbers & personal cell numbers. Yes, I have loan but I'm unable to pay. The company is aware but continues to call my job.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Investigation & Recovery Assoc. LLC
State: OK

Complaint narrative:
Investigative Services claims I owe {$640.00} from an unpaid loan with XXXX XXXX XXXX. The first gentleman that called me claimed it was over {$700.00}, they have given me 2 separate dates one in XXXX and one in XX/XX/2016. I was very skeptical because I know I have never taken a payday loan that large and they are also inconsistent with the dates and amounts owed. I called XXXX XXXX XXXX and they advised me that my last loan with them was in XX/XX/2016 for a little over {$300.00} and was paid in full. I repeatedly asked for something in writing, after multiple attempts I got a form that is clearly a template with misspelled words on it and has a different amount than what was verbally asked for. I have asked for solid proof and they are not providing it nor emailing me back to answer my requests. They also are past the statute of limitations. I have advised them this sounds like a scam, They have called me 3-4 times in an hour, to the point I had to block their number. They have repeatedly called my mom 's phone. They do not leave voicemails. They have yelled at me to pay my bills when I have asked for proof. They have hung up on me when I said it sounds like a scam. I have never had a debt collection agency act this way. I believe this is a scam, they can not provide solid proof.

Company response to consumer: Untimely response
Consumer complaint received 2020-10-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Wallace Management Company, LLC
State: AL

Complaint narrative:
I fell behind in my monthly payments due to illness. My wife contacted them and told them this. I can not pay at the time and my wife told them she would let them know when I could make a payment. She asked them to stop calling everyday. However, they continue to call several times a day. This is harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 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: FL

Complaint narrative:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.

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 2020-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I opened a bank account with Capital One on XX/XX/2020. Upon opening I deposited {$500.00} electronically to this account from my XXXX XXXX  account. I was informed, electronically, that my debit card would be mailed to me. 

On XX/XX/XXXX, I got a fraud alert on my phone alerting my to activity on my account. 

I immediately logged in online to check the account. Someone had taken {$500.00} out of my account at an ATM location in XXXX XXXX, CA. I have location data to prove that I was home working all day. There was also an attempted purchase at XXXX XXXX as well as a check was deposited in my name at the ATM for {$2500.00}. 

After seeing all of this, i immediately called the bank to report fraud. I was on the phone for hours. No one seemed to be able to understand what happened or how it even happened. 

I never received the ATM card in the mail, somehow someone got a hold of it and was able to activate it. Seems there are poor security measures. My account was hijacked due to poor ATM card security by the bank. 

The bank told me on the phone that they were closing my account and I would never be able to open another one with them. They said the activity on the account poses a risk to their company. They cut me off and told me they would make a decision and reach out to me when they have decided. I told them it seemed pretty simple to look at the security cameras at that ATM location to find out who it was as well as work with XXXX XXXX to find the culprit. 

I received a letter in the mail dated XX/XX/2020, but did not receive it until XX/XX/2020 telling me they are denying my claim because they didn't find an error. 

This is completely unacceptable. Through no fault of my own someone was able to hijack my mail and activate my card and steal my money. I don't think so. I will not rest until I get my {$500.00} back and more due to all of the time I have had to spend now trying to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC
State: TX

Complaint narrative:
I have become a victim of Identity Theft and have had several credit accounts and collections show up on my credit report over the past few months. With the recent data breaches I am certain my information was leaked from this and shared. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Credit Card Acquisitions Group
State: WI

Complaint narrative:
XX/XX/2020 Received a voicemail from the representative, returned the phone call. Transferred to " compliance '' person. The collector on the phone was named XXXX, I was looking for more information on the debt in question. Throughout the conversation the representative repeatedly accused me of fraud, said based on how I pay my bills and credit history I was guilty of fraud. He also accused me of securing a loan and closing my bank account to commit said fraud- accusing me of criminal activity. I asked him not to be presumptive, but he continued to accuse me of fraud. Unable to continue the conversation, I asked to have the documents sent to me and not be contacted further. I believe it is against my rights in to be accused of criminal activity in an attempt to collect a debt.

I also received two personal phone calls, two phone calls to my employer, and three emails regarding this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 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: WA

Complaint narrative:
My credit rating for all three companies continuously shows delinquent charges even when XXXX XXXX & their Mortgage company XXXX XXXX  has formally submitted a mortgage condemnation 1099 to the IRS. All three credit reporting companies have not updated my credit rating since XX/XX/2020 even after being shown proof that the claims are fraudulent claims by XXXX XXXX & their Mortgage company XXXX XXXX. They have repeatedly denied any wrong doing and tell me how to repair my credit rating which I have tried but produce no results. The mortgage in question was an illegal mortgage to begin with and the house needs to be condemned because it is not built to national or local building codes. Because of the incorrect reporting they are slandering my reputation, my creditability and my credit rating on a daily basis. Here is a link to all the evidenceXXXX XXXX XXXX XXXXXXXX! XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 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: WA

Complaint narrative:
My credit rating for all three companies continuously shows delinquent charges even when XXXX XXXX & their Mortgage company XXXX XXXX  has formally submitted a mortgage condemnation 1099 to the IRS. All three credit reporting companies have not updated my credit rating since XX/XX/2020 even after being shown proof that the claims are fraudulent claims by XXXX XXXX XXXX their Mortgage company XXXX XXXX. They have repeatedly denied any wrong doing and tell me how to repair my credit rating which I have tried but produce no results. The mortgage in question was an illegal mortgage to begin with and the house needs to be condemned because it is not built to national or local building codes. Because of the incorrect reporting they are slandering my reputation, my creditability and my credit rating on a daily basis. Here is a link to all the evidence. XXXX XXXX XXXXXXXX! 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 2020-10-20 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:
Good day, I am XXXX XXXX XXXX and the reason I am reaching out and writing to complain on Equifax and their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECEIVED MY LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP
State: CA

Complaint narrative:
I had all of these 3 accounts set up for auto bill pay, ( amount owed XXXX credit limit XXXX ) ( amount owed XXXX credit limit XXXX ) ( amount owed XXXX credit limit XXXX ) which if you see my pay records I am always on time with my payments. At the time I lived in a different house and I ended up moving. There was an issue with auto pay which I was unaware of due to me moving, so I never got notified till it was too late. The accounts had got late payments and gone into collections. I called sometime in XX/XX/2020 to negotiate with the collector ELAN Financial Services to get those items paid and removed but refused to assist with the issue. Due to these collections and late payments reporting I am unable to get approved for any type of credit or even get a mortgage. Causing plenty of financial distress.

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 2020-10-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I have become a victim of Identity Theft and have had several credit accounts and collections show up on my credit report over the past few months. With the recent data breaches I am certain my information was leaked from this and shared. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
XXXX XXXX  XXXX  account ( checking and savings ) opened by our Mother at Chase Bank, with my sister and I designated as Joint Successor Trustees, in both the Trust documents and her will. The value of the cash assets, at the time of her death XX/XX/XXXX is in the neighborhood of some {$250000.00}. A couple of days before Mom 's death, I brought the Trust documents to my local Chase branch, and they were scanned into Chase 's system and uploaded to their Trust Department. The Trust Department said that Chase can not honor the Trust, and subsequently, Mom 's will with two Successor Trustees. The branch officer filed a complaint with Chase 's Escalated Complaint Department, who said that they can not override Chase policy, but that they could write one check to the Trust? How would that resolve this, when we don't have access to the Trust accounts? In the meantime, my sister found the Deceased Processing Department, which indicated that we should be able to sign signature cards to gain access to the accounts ; and I called Chase 's CEO, spoke to an assistant, who submitted an inquiry and gave me a case number. Trust paperwork, except the Chase Trust Certificate ( which was sprung on us today, and I have no idea what it is ) have been submitted numerous times, the Death Certificate submitted on XX/XX/XXXX. A Letter of Instruction was, today, overnighted to Chase Account XXXX in XXXX XXXX, instructing them to allow my sister and I to sign signature cards at our respective branches.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 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: FL

Complaint narrative:
THE ACCOUNTS LISTED ARE FRAUDULENT THEY DO NOT BELONG TO ME SOMEONE USE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Adjustment Company Incorporated
State: KY

Complaint narrative:
This debt does not belong to me and is a result of identity theft. I do not know who this company is. This company is reporting on my credit report. I have submitted an identity theft report and they still have not removed the account from my credit report.

Company response to consumer: Closed with explanation