vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
In XX/XX/XXXX I contacted Capital One Auto Finance by phone to request a payment made to cover an accumulated amount be applied properly and advised that the amount accumulated over time was reported to the credit bureaus. I was informed that the payment would be applied correctly and that only the payment amount and status would be reported monthly not any overage amount. In XX/XX/XXXX I filed another complaint against Capital One Bank on complaint number XXXX as I did in XX/XX/XXXX ( XXXX ) regarding the way information has been reported. Since XX/XX/XXXX there has been a pending investigation by Capital One Bank ( XXXX ) and is still open. As I have been pouring over previous credit reports is now clear that although balances are reported accurately the remarks have been inaccurate, misleading and harmful. Since XX/XX/XXXX my XXXX credit report which has had remarks added each month in a way that makes the comment inaccurate for Capital One Auto Finance. For months I would see notifications that remarks were made and seeing the accurate balance but did not notice the remark. After viewing my XXXX report the remarks provided information inaccurately. The remark indicates my highest balance as a recent balance and states this " High balance of {$19000.00} from XX/XX/XXXX to XX/XX/XXXX : I currently owe around XXXX XXXX XXXX XXXX dollars and will have paid off the loan in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report. It has been well over 60 days and I have not received any investigation reports. This creditor has reported late payments on XXXX, XXXX and XX/XX/XXXX to my report which are incorrect and I am asking these late payments be deleted immediately or I will file for litigation due to the stress you caused me.

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 2021-06-23 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

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 2021-06-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Convergent Resources, Inc.
State: NY

Complaint narrative:
This was a lease I Had back in XXXX XXXX. It was a XXXX XXXX XXXX XXXX, which was repossessed and taken from me involuntarily. I was behind in payments but I was still making payments. I never gave them permission to take my car nor did I ask them to take it because I was having difficulty making the payments at the time. So, one day I'm at XXXX District Family court, XXXX XXXX for a hearing I was scheduled for. The car was suddenly gone from the parking spot I had left it at. I thought it was stolen so I called the police, they quickly told me it might've been repossessed if it wasn't stolen from the Courts parking lot. 

When I make tons of phone calls to see where it might've been. It was at a repo Lot in XXXX XXXX NY, which I wasn't even allowed to get my personal belongings. I tried getting my car back and they said I needed a {$27000.00} loan to get it back. so I had no choice but to leave it there because I couldn't get approved by any bank because of the recent repo. 

Four years later, today. I see this {$11000.00} Derogatory report on my credit history. stating I need to pay this amount from the repo 'd vehicle. I can't even get a car loan because this has been haunting me for years on my credit report. Ive been driving a XXXX XXXX XXXX with tons and tons of hazards issues. 

XXXX XXXX I the company that has this on my credit report. 
Convergent Outsourcing is the one that has me in collections

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 2021-06-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I recently during the pandemic fell behind on my payments in 2020 due to financial hardship and the fact I just had a baby. Prior to my initial missed payments I had a good payment history and even after the missed payments I keep up with payments. The payments that was missed on XXXX and XXXX of 2020 were only due to a real natural hardship and the pandemic that took place and I beg that you forgive them being that I have good track record and promise it will not happen again. The missed payments are also affecting my ability to obtain more credit and is hurting my financial reputation.

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 2021-06-23 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: NY

Complaint narrative:
In response to TransUnion, I am not a third party. Didnt I already give authorization thru the CFPB. I XXXX XXXX born XX/XX/XXXX Give TransUnion authorization to proceed with my claim for My Transunion 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 2021-06-23 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: DISCOVER BANK
State: NY

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Hi I sent a 30 days to comply letter to all three credit bureaus and its been longer than 30 days and They still havent got back to me to verify the account in question

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 2021-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report. It has been well over 60 days and I have not received any investigation reports. This creditor has reported late payments on XX/XX/2020, XX/XX/2020, XX/XX/2020 to my report which are incorrect and I am asking these late payments be deleted immediately or I will file for litigation due to the stress you caused me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
On XX/XX/2021 I called Portfolio Recovery Associates, LLC and spoke with XXXX XXXX XXXX regarding the settlement of an old debt they purchased from XXXX  regarding my XXXX card. They offered to settle the debt in full and delete the tradeline from XXXX, XXXX, and XXXX  in exchange for a payment of {$1700.00}. That very day I obtained the funds and sent them via XXXX  overnight delivery service. XXXX  was delay by one day so they received the funds on XX/XX/2021. Instead of deleting the tradelines from XXXX, XXXX, and XXXX  they updated each bureau with incorrect information. XXXX  was advised the debt had been settled, however they did not delete the tradeline. XXXX  and XXXX  were advised I paid {$1700.00}, but still owed {$1000.00} and of course, the tradelines were not deleted. Portfolio Recovery put in writing this obligation would be settled and removed from all three bureaus which they have failed to do. Attached are copies of the settlement letter, XXXX  tracking, and copies of the certified USPS money orders I sent them. Please promptly inform Portfolio Recovery Services to remove these this obligation from my tradelines with XXXX, XXXX, and XXXX  as agreed to or I will seek legal counsel and sue them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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: NY

Complaint narrative:
I have several credit cards, one of them is a XXXX XXXX XXXX which sent me two promotional checks that if used they would not charge me interest for one year. So this was a good idea to pay off other credit card balances that were charging me high interest. 
The promotion was good until XX/XX/XXXX. So before I used them I made sure the credit cards that I was going to pay off were both up to date on payments because I wasn't sure when the checks would hit the account since I had to mail them out. So I used one check to pay off a credit card balance of a XXXX credit card on XX/XX/XXXX in the amount of {$3300.00} I also used another check to on XX/XX/XXXX to pay off a balance of {$1800.00} on a Synchrony bank credit card. I kept checking all three card accounts to make sure the checks cleared. Well the XXXX card was paid off and the new balance showed up on my XXXX XXXX account so that was good. But on my Synchrony card account it showed that the account was paid off but it never showed up on my XXXX XXXX account which said to me something is wrong. So on XX/XX/XXXX I called my XXXX XXXX account to see what was wrong and they told me they denied the check because I didn't have enough credit to cover the check. So I called the Synchrony card account and told them that that check isn't going to clear but they said to call my bank because they re-deposited it. So I left it to see if it would clear because I didn't owe them another payment until XX/XX/XXXX. I called the Synchrony card again on XX/XX/XXXX to see what was going on and they said everything is good and I didn't owe them anything at this time. So I left it alone. 
I called them two more times once on XX/XX/XXXX and again on XX/XX/XXXX. When I called on XX/XX/XXXX. They told me the account was closed to purchases because of " the number of dishonored payments ''. Subsequently worse than that they closed all my Synchrony Bank related credit card accounts for " dishonored payments '' from other accounts. 
Up until this incident every card was up to date with payments and there were no problems. I called them two more times since then but they told me there is nothing they could do and accounts are all closed. I really could care less if I never use a card from Synchrony bank again because I have other credit cards but this will do damage to my credit rating which is most important to me. I worked hard in the last 6 years to get my credit rating back and because of one incident they close accounts and have my credit rating damaged. NOT ONE OF THESE CARDS WERE MISSED A PAYMENT EVER! They could keep their cards all I want is my credit rating to be kept in good standing. Be careful of Synchrony Bank because they have many cards with different names that still belong to them.

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 2021-06-23 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: CA

Complaint narrative:
I recently sent multiple letters to Transunion and XXXX regarding the inaccuracy on my report showing a missed payment on XX/XX/2021 with XXXX. The payment was made is showing on my XXXX consumer report as paid but furnished on XXXX and Transunion as late. This a violation of the FCRA and is affecting my financial reputation.

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 2021-06-23 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: IL

Complaint narrative:
I have contacted all Three Major Credit Bureaus XXXX, TransUnion and XXXX  to dispute anincorrect hard inquiry on my credit report. I have requested them to provide me a verified letter for the XXXX XXXX XXXX dated XX/XX/XXXX and XX/XX/XXXX. 
I never authorized this company to run my credit report. I have contacted the credit bureaus by filing a dispute and requested to send me all correct information to me. I have not received any information back from anyone. This is illegal and I am forced to file a suit due to unresponsive.

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 2021-06-23 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: IL

Complaint narrative:
I have contacted all Three Major Credit Bureaus Experian, XXXX  and XXXX  to dispute anincorrect hard inquiry on my credit report. I have requested them to provide me a verified letter for the XXXX XXXX XXXX dated XX/XX/XXXX and XX/XX/XXXX. 
I never authorized this company to run my credit report. I have contacted the credit bureaus by filing a dispute and requested to send me all correct information to me. I have not received any information back from anyone. This is illegal and I am forced to file a suit due to unresponsive.

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 2021-06-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I was taken advantage of in the past by American Express because I did not know who I was and the federal laws that protected me. I, XXXX XXXX d/b/a XXXX XXXX XXXX, am the ORIGINAL CREDITOR in this consumer credit transaction with American Express. I have proof that this is a consumer credit transaction because a finance charge is involved. I understand that pursuant to 15 USC 1605 that a finance charge is the sum of all charges. In reference to my last statement dated XX/XX/XXXX-XX/XX/XXXX, a representative from American Express told me that my finance charge was {$170.00}, however, requested minimum payment of {$300.00} due on XX/XX/XXXX which is well above the finance charge. As defined by 15 USC 1605 if the finance charge is the sum of all charges, why is American Express attempting to collect an alleged debt from me over the finance charge for credit that I extended to them? For this reason, I wrote to American Express, a debt validation letter and requested repayment back to me by check payable to XXXX XXXX XXXX pursuant to 15 USC 1692h. Instead of complying to my demands, American Express said that they were not a debt collector. However, I understand that the term debt collector is defined by 15 USC 1692a. ( 6 ) in which American Express uses USPS to send " statements '' with alleged debts that show in the positive. How can I make payments to a positive balance? Lastly, because it is a consumer credit transaction that involves a finance charge, American Express is in violation of reporting inaccurate information to the consumer reporting agencies. The consumer reporting agencies are liable as well for reporting inaccurate and invalid information without my consent or validation which is a direct violation of my consumer right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I applied for the Amazon Prime Rewards Visa Card on XX/XX/XXXX at the online store website of Amazon.com. This credit card is serviced by JP Morgan Chase. My application was not immediately determined approved or denied. A week later, I called to check on the application status. I was told there is still no update and that I should receive an update through the mail. My credit score is well above the minimum requirements and my credit inquiry history was relatively low. 

After over 2 weeks since the date I applied, there was still no update either through email, phone, or physical mail. I called again and I was told I was already given a mail decision. However, I never received the decision letter. The " manager '' on the phone refused to provide any copy of this letter or follow up with any type of proof. She refused to acknowledge my issue and hung up the phone. 

To this date, I still have a hard credit inquiry for XX/XX/XXXX from " XXXX CARD '' for a " Bank Credit Cards '' with a removal date of XX/XX/XXXX on my XXXX credit report. I believe this is grossly negligent on JP Morgan Chase Credit Application department 's part. Their response is willfully ignorant since no one wanted to provide me a name of the customer service agent assisting me with my issue. No support ticket was opened since they ignored any wrongdoing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
There was an auto payment setup by a BOA agent which did not process therefore causing a payment to be missed. They reported to the credit agency that the payment was late even though it was a technical error on made by them in setting up the auto-pay.

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 2021-06-23 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: LA

Complaint narrative:
i am a protected consumer. i know my rights. i certify that this request to block was made not in error, my request to block information was not based on a material misrepresentation, and i did not knowingly obtain or should have known that i obtained possession of goods, services, or moneys as a result of XXXX or more of the transactions that i am seeking to block. under XXXX u.s. code XXXX you must block all fraudulent accounts. since i attached my form of id, and social security card, this complaint lists someone that your company should recognize as their customer or their customers authorized representative.

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 2021-06-23 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: LA

Complaint narrative:
i am a protected consumer. i know my rights. i certify that this request to block was made not in error, my request to block information was not based on a material misrepresentation, and i did not knowingly obtain or should have known that i obtained possession of goods, services, or moneys as a result of one or more of the transactions that i am seeking to block. under 15 u.s. code 1681-2 you must block all fraudulent accounts. since i attached my form of id, and social security card, this complaint lists someone that your company should recognize as their customer or their customers authorized representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
Please forward the information to CMRE FINANCIAL SERVICES , INC . Thanks!

Company response to consumer: Closed with explanation