vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-17 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Dear CFPB, I pulled my report recently, and I noticed inaccurate information reported by EQUIFAX regarding a Charge Off account XXXX XXXX  XXXX XXXX # XXXX. This account was charged off in XXXX and closed! 

EQUIFAX violated federal law, by not properly investigating and reporting inaccurate information on my credit report. 

These are the Violations of the Fair Credit Reporting Act. 

1. Delete this account, because it shows Balance {$8700.00}. A Charge Off/Close Account must show {$0.00} balance.

2. Delete this account, because it shows a Past Due Amount  {$8700.00} XX/XX/XXXX ; {$8700.00} XX/XX/XXXX ; {$8700.00} XX/XX/XXXX ; {$8700.00} from XX/XX/XXXX to XX/XX/XXXX and a Charge Off/Close Account must show {$0.00} Past Due. 

3. Delete this account, because it shows Payment History reported  Credit limit {$7500.00} from XX/XX/XXXX to XX/XX/XXXX ; past due amount {$8700.00} from XX/XX/XXXX to XX/XX/XXXX ; balance {$8700.00} from XX/XX/XXXX to XX/XX/XXXX ; A Charge Off/Close Account must show NO Payment history or consecutively as Charge off reported on my credit report. 

4. Delete this account, because it shows Credit Limit reported  {$7500.00} from XX/XX/XXXX to XX/XX/XXXX. This account was charged off and closed in XXXX. This is inaccurate information. 

Please delete this account, and send me a new report. 

I need to apply for a mortgage in 2 months and this is an urgent matter. 

I have attached my EQUIFAX Credit Report and circled the violations, EQUIFAX violated. 

EQUIFAX must now remove the item for reporting inaccurate information on my credit report. Any other action ( or inaction ) on your behalf may result in a small claims action against your company.

I would be seeking {$1000.00} per violation for : 1. ) Defamation 2. )  Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: GA

Complaint narrative:
I've sent serval letters regarding the inaccurate information on my report on XX/XX/2020, XX/XX/2020, XX/XX/2020. The inaccurate information still remains on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
On XXXX XXXX, 2020 I made a purchase to XX/XX/XXXX using my Paypal Credit card in the amount of {$58.00}. The transaction successfully went through on XXXX XXXX and posted to my Paypal account on XXXX XXXX, 2020. 

On XXXX XXXX, 2020 I checked my Paypal credit account and there was a message for me to contact customer service regarding my account. I called customer service and was informed that my account had been closed due to inactivity. Very shocking to me because I had just made a purchase. The manager I spoke acknowledged the recent transaction made and she gave me a {$25.00} credit on my account for the inconvenience and told me unfortunately she couldn't reactivate my account and told me the she was going to enter a dispute on my behalf but knew it wasn't going to get resolved.

Please help. I do not want this to have a negative impact to my credit score. 

Best regards, 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 2020-10-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I am enrolled in e-statements and auto payment for my loans. The website doesn't clearly state the amount that is due each period. It states amount due as " {$0.00} '' This makes it difficult to pay down the balance faster in any sort of planned method. Why isn't my monthly amount due plainly available on the site?

There is also no straightforward way to access a monthly statement on the website. If one types in " statement '' into the Help Center search, it returns nothing. If one puts in " statements '' in the search, it gives an option for the federal tax statement or a loan verification letter. Because I have the e-statement, there is a link mailed to me to access a statement. It is not a link to the main site, but rather sits off elsewhere on a server. If I want to access a statement from 3 months ago, I have no way to view it on the website. Why not make an e-statement tab on the site and I can view my statements whenever I need to? The company doesn't seem willing to make these changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I filed Chapter XXXX bankruptcy on XX/XX/2020, in the United States District Court District of Minnesota Bankruptcy Court and my  Bankruptcy Chapter XXXX was discharged on XX/XX/2020. I had a credit card account with Kohls, and have a current balance and debt I owe Kohls, that was discharged in bankruptcy court. I want Kohls to update their records  immediately and accurately, showing I filed for chapter XXXX bankruptcy, my chapter XXXX bankruptcy was discharged on XX/XX/2020, and owe Kohls no money and have no debt with Kohls, due to my debt being discharged under Chapter XXXX bankruptcy. My bankruptcy attorneys and the United States District Court District of Minnesota Bankruptcy Court will be sending notification to Kohls Bankruptcy Department. Attached to this complaint is my bankruptcy discharge notice for Kohls Bankruptcy  Department review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Fairway Independent Mortgage Corporation
State: ID

Complaint narrative:
We applied with Fairway Mortgage in XXXX for a VA loan we were approved for. We put down an earnest {$500.00}. Then they said  we had to put down a $ XXXX non refundable earnest again. Then they started to change loan officers after they dropped the ball on  closing by XX/XX/2020. That person XXXX XXXX tried to illegal sale out our loan, cancel it before the contract date was up even though we were approved. She then tried to give us any trouble possible to hold back our loan. She was complained about and taken off the VA loan contract for the house. XXXX took over and all was going to close by XX/XX/2020. Then somehow XXXX was put back on the contract and attempted to again breach contract by ending it prematurely and she told us it was closing and wed sign papers be in our new home today, then yesterday before XXXX she emailed saying she didnt get it done and she was canceling our contract so we are now homeless after putting in three months time to get the home. She said she would refund our money and give us return of $  XXXX for our troubles. She is now refusing to do so. This was on track to close and she ruined it again but for good this time. Veterans are supposed to be treated with respect and dignity this company and XXXX XXXX breached contract and will not fix their negligence in this matter that has now caused us to be homeless in winter in Idaho. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17 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: CA

Complaint narrative:
Dear CFPB, I pulled my report recently, and I notice inaccurate information reported by Experian regarding a Charge Off account XXXX XXXX # XXXX. This account was charged off in XXXX. 

Experian violated federal law, by not properly investigating and reporting inaccurate information on my credit report. 

These are the Violations of the Fair Credit Reporting Act. 

1. Delete this account, because it shows Balance {$26000.00}. A Charge Off/Close Account must show {$0.00} balance.

2. Delete this account, because it shows a Past Due Amount {$26000.00} and a Charge Off/Close Account must show {$0.00} Past Due.

3. Delete this account, because it shows Payment History reported consecutively as NEGATIVE in XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXXyear ; XX/XX/XXXXyear ; XX/XX/XXXXyear ; 30 days late XXXX XXXX ; 60 days late XX/XX/XXXX ; 90 days late XX/XX/XXXX ; 120 days late XX/XX/XXXX ; 120 days late XX/XX/XXXX ; 120 days late XX/XX/XXXX. A Charge Off/Close Account must show NO Payment history or consecutively as N reported on my credit report.

4. Delete this account, because it shows Credit Limit {$24000.00} on a charge offs closed account.

Please delete this account, and send me a new report.

I need to apply for a mortgage in 2 months and this is an urgent matter. 

I have attached my Experian Credit Report and circled the violations, Experian violated in red color.

Experian must now remove the item for reporting inaccurate information on my credit report. Any other action ( or inaction ) on your behalf may result in a small claims action against your company.

I would be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations 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
Consumer complaint received 2020-10-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Colony Brands, Inc.
State: CA

Complaint narrative:
Ginnys.com is blatantly reporting false information on my credit reports and causing my credit rating to be affected. I have called and asked them to remove the false information but they sent me a letter saying no and that my request was deemed frivolous. I have a confirmation number to prove that I paid the account in the amount of {$44.00} in XXXX and not XXXX like they are reporting. This is unfair and affecting my credit rating. This is blatantly reporting false information. This false report has caused me to be denied the opportunity to get approved for other credit accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Despite many telephone conversations with their " technical support team " they are unable to operate the TV boxes. When I asked to send XXXX  TV technician to my house to fix the problem, their answer is that all the problems are solved via telephone .FYI all the phones calls are directed to XXXX not in the XXXX of that I have sent back the 3 TV boxes and cancelled their service in XX/XX/XXXX.All the details are included with the package sent to Capitalone bank to backup my complaint.Capitalone is the one who failed to protect my rights and kept credit my account one day and debit my account in the next transaction.This situation has been going on since XXXX until now as I am typing this message.I am retired and my only source of income is from my social security and this situation has created a very serious impact in my income. 
Looking forward to your help. 
Sincerely yours

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17 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: Aldous & Associates, PLLC
State: TX

Complaint narrative:
I am in the process of repairing and building my credit. I sought after a credit repair company who have sent letters on my behalf to all Debt Collectors who are reporting inaccurate, outdated, unverifiable, and obsolete information. I started this process on XX/XX/2020, and they have sent out a total of 2 letters within the last 60 days. In that time i have yet to hear from the Debt Collectors who have reported this unverifiable information, therefore the inaccuracies are still reflecting negatively on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I opened a Capital One card in XXXX of XXXX. In XXXX of XXXX I was sent a letter to call Capital One to verify my ID. When I called they asked for XXXX types of ID verification : front and back of my valid Driver 's License or State ID, Proof of residency ( utility bill, etc. ) and copy of my signed Social Security Card. 

I am ok with the first two but asking for copies of my signed social security card, particularly after Capital One had a security breach and they took XXXX peoples SS information, is excessive. I have had many other Credit Cards, even background checks for Global Entry and none have asked for this. 

I requested an alternative form of ID and was told none is possible. That would be inaccurate, anything is possible as it's the companies policy, not a law. For example, my passport would be an alternative form of ID that is a XXXX document and requires a valid social security number. Why would my passport not be acceptable? 

Capital One did not make me aware that I would need to provide a copy of my signed social security card when I applied for this credit card. Had I been aware I would not have applied for their card. They put a hard inquiry on my credit score when they ran it and my credit will suffer from that for 2 years and I have not credit from the card to offset that hard inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17 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: MO

Complaint narrative:
Equifax, XXXX, XXXX  are not following the rules of the FCRA by providing me with verification of this debt, nor did Equifax, XXXX  or XXXX  correct the information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Zip Co US Inc.
State: OH

Complaint narrative:
I used QuadPay to purchase a XXXX watch. XXXX canceled my order and claimed they never charged the card. I can not get XXXX to answer me back. I have attempted to contact QuadPays customer service over 20 times with the chats being closed out by QuadPay before hearing from anyone. Im trying to get this resolved before the 2nd Payment is due to QuadPay. They have refused to answer back any messages I have sent them. In fact I am owed {$20.00} in a refund.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: MO

Complaint narrative:
I received a letter from XXXX XXXX, in the letter it states that Crown Asset Management is in the process of suing me got debt on a over stock XXXX XXXX account .The letter stated for debt from XXXX. I filed for bankruptcy in XX/XX/XXXX and this was not attached to my bankruptcy.I have not received any billing statements from overstock or XXXX XXXX.I feel there might be some kind of identity thief or fraud. I have called all and have not gotten any help I have asked for billing statements and Itemized debts .XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Missouri XXXX thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently sent letters over 30 days ago to the credit bureau and they are disregarding my dispute. I am very stressed and have been sending letters before this and still no response.

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 2020-10-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have been transferred to many people at capital one and Ive been getting the run around all year round. I agreed to do a 3 month settlement for one of my accounts and i have the final letter in my email. It should have been 3 payments that equal to about {$360.00} last payment was sent XXXX XXXX ish. It should be complete and off my records. I should only one capital one account on my credit at the moment. But today i get an alert and it dropped my score at a large rate thats already hard for me to get increased. I worked hard on my credit score but for something wrong to be reported and drop my score is very upsetting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17 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: MO

Complaint narrative:
XXXX, XXXX, Transunion are not following the rules of the FCRA by providing me with verification of this debt, nor did XXXX, XXXX  or Transunion correct the information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
XXXX, Experian, XXXX  are not following the rules of the FCRA by providing me with verification of this debt, nor did XXXX, Experian or XXXX  correct the information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17 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: Ability Recovery Services, LLC
State: TX

Complaint narrative:
I am in the process of repairing and building my credit. I sought after a credit repair company who have sent letters on my behalf to all Debt Collectors who are reporting inaccurate, outdated, unverifiable, and obsolete information. I started this process on XX/XX/2020, and they have sent out a total of 2 letters within the last 60 days. In that time i have yet to hear from the Debt Collectors who have reported this unverifiable information, therefore the inaccuracies are still reflecting negatively on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated
State: MA

Complaint narrative:
I had XXXX taken from my New Mexico unemployment card and Conduent refuses to give me back my money

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I made a check deposit into my bmo account. The check was made out to me and XXXX. I deposited the check with only my signature not noing I needed XXXX signature but they excited the check. ( bank, teller error ) I was pulling money from the account just fine until I decided to withdraw a large amount. Thats when the bank manager of the bmo Harris bank told me the problem. She said that she put a hold on my account. What now I asked? She said she need a endorsement from XXXX before she can release my funds. I then got on the phone with XXXX XXXX. XXXX said that they can't do nothing unless its the original check from my insurance Company and wasn't willing to do anything to help me. I then informed Bmo Harris Manager and she said the there is nothing she can do. That she couldn't return the original check because it have already been deposited and I can't get my funds for 10 years.

This have caused me to lose my Company to close down my employees to quit because u couldn't pay them and cause me to get behind in bills ( financial lose because of this bank error ) My name is XXXX XXXX my phone number is 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