vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
they said they would remove but didnt here is a cut and paste responded STATUS Company responded on XX/XX/2021 RESPONSE TYPE Closed with explanation Company 's Response This is in response to the correspondence we received via the Consumer Financial Protection Bureau indicating that XXXX XXXX disputes creating the XXXX XXXX XXXX debt we acquired in her name. In an effort to resolve this matter, we have terminated collection efforts on the XXXX debt and requested the credit bureaus to delete our tradeline. Thank you for the opportunity to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: V and H Portfolio
State: GA

Complaint narrative:
The name of the company is Vancehuffman. The account was opened XX/XX/2020. The balance they are requesting is {$3000.00}. I have contacted this company by mail and phone complaining that this account isn't mine and to remove it from all my credit profiles immediately. The representatives are extremely rude and they will not send me substantial verification of this account. I have been harassed by countless phone calls from bots also. The last time I contacted them via phone, a manager told me " If I want this to go away I would need to pay and stop complaining ''. Very unprofessional! I have a right to dispute this debt and I will continue to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Im struggling to pay my credit card balance as I do not get paid the same amount as I did before the pandemic. Citi Bank spams my phone with calls 4-6 times a day everyday and it comes up in my phone as spam. Ive also had a issue with citi back taking over a thousand dollars out of my account during XXXX because it was an end of a promotion and they charged my card interest for two years and when I went to call to resolve issue I had to wait over a month and a week to get my money back. When I initially called they said that they put me on a Expedited List and I would have my money back in 5 days but it took over a month. When I couldnt wait anymore I called my bank to file a dispute and my bank gave my money back the same day and the next day Best Buy citi bank issued my refund ... what a coincidence. Then I had to refund them the payment they sent me immediately. They made it extremely hard for me to get my money back and now I cant make payments to citi bank with my bank because I filed a dispute with this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 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: IL

Complaint narrative:
Equifax has not updated my credit score this month and is reporting my credit utilization on my credit cards incorrectly. My credit card company confirmed that they report on the XXXX of every month and they have yet to report this information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
I am reviewing my credit report and I see I have an unknown hard inquiry from XX/XX/2019 on my account from " XXXX ''. 

I am completely unfamiliar with this nor did I apply for anything around that time.

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 2021-03-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I have an account that was removed by one credit bureau but experian refuses to delete it even after I sent verification of this debt being removed by the other bureau for being inaccurate but they still keep saying that its verified

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 2021-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Atlanticus Services Corporation
State: IL

Complaint narrative:
Fortiva XXXX XXXX, XXXX XXXX XXXX, AT, GA XXXX incorrectly included me in the population of their customers who received hardships due to COVID-19 pandemic. When I called to inquire about why I had received this letter and was included in this population when I paid off my account and told them to close it immediately, they kept reading a scripted response and refused to answer my question. I asked them to remove me from this population given it was incorrect and received no response. I did not receive any assistance from them for CoVID hardship.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 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: TX

Complaint narrative:
I would submit a payment to Capital one credit card and they would not take it out of my checking account after submitting my payment for up to 2 weeks later. They would then charge me late fees, interest and then finally said my card was closed due to fraud. That didn't stop them from still charging my card more fees penalties and interest toa total of over {$200.00} on a XXXX dollar credit limit. I paid them off and asked for a refund which they refused. they also placed this garbage on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 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: Self Financial Inc.
State: WI

Complaint narrative:
To Whom This May Concern, After reviewing my credit report, I noticed that the balance being reported for my self secure credit card through lead bank is reporting inaccurately. You have a balance of ( {$99.00} ) of being owed and according to my records that amount is inaccurate.

This account should be listed as ( paid in full ). These accounts appear to be furnished by the same creditor so why is all the provided data different. 
I have attached a copy of ( my credit card statement that proves your balance is in correct ). 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 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: WI

Complaint narrative:
Im asking to verify the hard inquiries on my experian report and I have talked to customer services I was mistreated and not helped I have wrote called still no result please remove all hard inquiries from my 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 2021-03-28 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: TX

Complaint narrative:
On XX/XX/2021 I informed all XXXX bureaus that XXXX  Credit that the 4 year reporting period in the state of TEXAS has expired on this account and they still continue to report in an being in violation with the FCRA. The updated their reporting date but did not change DELETE this account. Attached is the initial dispute requesting for this violation to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 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: CA

Complaint narrative:
On XX/XX/2021, I wrote requesting this investigation into items that I believe to be incorrect outdated or obsolete. To date, I have not received a reply or any acknowledgment that the investigation has begun.Under federal law creditors have XXXX XXXX XXXX XXXX days to complete investigations. Please remove inaccurate information indefinitely. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
Paypal has closed my account for several weeks now for no reason and all my efforts to try to reach them to settle this has been futile as my funds were held with the account. I was advised to file a report on here as i feel paypal arent doing thier jobs properly and thats affecting me a great deal as i use paypal frequently and i have money stuck there. The email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 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: MD

Complaint narrative:
My name is XXXX XXXX and Im submitting this complaint for myself and there is no third party involved. I am XXXX years old and I am trying to better my life by getting credit cards and buying a car and getting a job. I want to be a self-sufficient adult and now I have to suffer because someone else stole my identity. This has been hindering me for too long and Im XXXX  over it! I am writing to delete the following information off of my file. The items I need deleted are listed in the report. I asked that the items be deleted to correct my credit report because I am a victim of identity report and have no knowledge of the negative impacting items. I reported the theft of my identity to the federal trade commission and I have also enclosed copies of the federal trade commission 's identity theft affidavit. Having these incorrect items on my credit report is hindering me from becoming successful in buying a house and purchasing a new car. Please delete these items as soon as possible.

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 2021-03-28 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: TX

Complaint narrative:
On XX/XX/2021 I informed all XXXX bureaus that XXXX  Credit that the 4 year reporting period in the state of TEXAS has expired on this account and they still continue to report in an being in violation with the FCRA. The updated their reporting date but did not change DELETE this account. Attached is the initial dispute requesting for this violation to be removed.

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 2021-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX offers a preapproval process on their website which does not initiate a hard pull of a consumers credit report. 

I checked my pre-approval on XX/XX/XXXX and received alerts from experian and XXXX that a hard inquiry was made. 

I called XXXX and explained that I had received a hard inquiry through their pre-approval process. They were aware of an issue and sent confirmation that they would be removing the inquiry. 

I have attached the letter they sent via 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 2021-03-28 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: CA

Complaint narrative:
On XXXX/XXXX/2021, I wrote requesting this investigation into items that I believe to be incorrect outdated or obsolete. To date, I have not received a reply or any acknowledgment that the investigation has begun.Under federal law creditors have thirty ( 30 ) days to complete investigations. Please remove inaccurate information indefinitely. 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 2021-03-28 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: WI

Complaint narrative:
To Whom This May Concern, After reviewing my credit report, I noticed that the balance being reported for my self secure credit card through XXXX XXXX is reporting inaccurately. You have a balance of ( {$99.00} ) of being owed and according to my records that amount is inaccurate. 
This account should be listed as ( paid in full ). These accounts appear to be furnished by the same creditor so why is all the provided data different. 
I have attached a copy of ( my credit card statement that proves your balance is in correct ). 

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 2021-03-28 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: WI

Complaint narrative:
To Whom This May Concern, After reviewing my credit report, I noticed that the balance being reported for my self secure credit card through XXXX XXXX is reporting inaccurately. You have a balance of ( {$99.00} ) of being owed and according to my records that amount is inaccurate. 
This account should be listed as ( paid in full ). These accounts appear to be furnished by the same creditor so why is all the provided data different. 
I have attached a copy of XXXX my credit card statement that proves your balance is in correct ). 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 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: WI

Complaint narrative:
To Whom This May Concern, After reviewing my credit report, I noticed that the balance being reported for my self secure credit card through XXXX XXXX is reporting inaccurately. You have a balance of ( XXXX} ) of being owed and according to my records that amount is inaccurate. 
This account should be listed as ( paid in full ). These accounts appear to be furnished by the same creditor so why is all the provided data different. 
I have attached a copy of ( my credit card statement that proves your balance is in correct ). 

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 non-monetary relief
Consumer complaint received 2021-03-28 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: IL

Complaint narrative:
On XX/XX/2021 I sent my initial request for investigation for inaccurate and erroneous errors which shows FCRA and FDCPA violations on my report for investigation. When updated report on XX/XX/2021 nothing was done and had not received any investigation results or recognition that an investigation was being conducted. I am aware that due to the pandemic 60 days is required for an investigation that is why I sent additional letter requesting if the Bureaus went passed 60 days that I would be filing a complaint because they have yet to investigate this information or show proof that they are in compliance with the FCRA guidelines. Being that they have went beyond the time allowed. I am requesting a FULL DELETION of the items presented on the initial investigation immediately! No more time being allowed. REMOVE IMMEDIATELY please have some dignity and do what's right to honor your consumers and follow FCRA guidelines. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
There is no access to the loan servicing company 's website. It will not load on any of my devices. Others are having the same problem as noted on many message boards. I am not able to determine my loan balance or verify the proper application of my loan payments. 

The company recently took over the loan servicing of my loan from 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 2021-03-28 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: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( no. 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 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: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I filed for identity fraud on XX/XX/2020. Was notified of needing to make a payment to my XXXX credit card. Submitted the payment via phone and charged were waved. The charge didnt go through due to identity fraud shutting off my debit card, bank account, and credit card. Payments were not late as the attempt was made to be paid however due to identify fraud could not be completed. Account was closed in XXXX however remained open without notification to myself the consumer due to the inability to process payment. I was not notified until months later of the account being delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 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: TX

Complaint narrative:
I opened an account with XXXX now also known as XXXX XXXX XXXX  back in XXXX and the items all had insurance. My home was broken into and the item was stolen. As A result the insurance company paid the account off and the company still reported the balance to my credit file. I have submitted several disputes with no resolve, I was able to reach someone in upper management and she informed they will request to have this account removed from all of the credit reporting agencies and as of today the account is still actively showing on the credit report. This account for XXXX Now should be completely removed. i have attached the police report and also the letter showing the company has agreed to have this account removed.

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