vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I opened a new XXXX credit cards and was able to initially connect my XXXX credit card to my existing Capital One account. Within XXXX I received an email that my online account has been locked with no explanation. I called customer service and after XXXX hour I was told to upload a copy of my drivers license, which I did. I was told that there was a conflict in my name from my other capital one card that Im an authorized user of, which is also my Corporate card. I was told my online access would be resolved in a few days, which it did not occur. I called in a few days later and again. I was told to upload my ID as they apparently lost my Id. I complied and uploaded my ID and again I was told this would be resolved. I spent another XXXX hour with customer service and the digital team. My online account is still locked and Im unable to make payments and access any account features.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 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: TX

Complaint narrative:
XXXX XXXX XXXX and I had an agreement on XX/XX/2022 for a payment of {$430.00} to satisfy the account as paid as agreed. However the creditor sent a settlement letter with the header date of XX/XX/2022 which was dated by the United States postal service as XX/XX/2022 requesting {$430.00} be paid by XX/XX/2022. The letter sent from the creditor is fraudulent and is a violation of the original agreement, because I sent a certified letter and cashiers check of {$430.00} on XX/XX/2022 in agreement for paid as agreed. The creditor deposited the check but fail to honor the agreement made between myself and the company as paid as agreed with a XXXX balance and report the correct update on the credit bureau reporting agents. Also the reporting amount due before the {$430.00} was {$720.00} and the original amount was {$960.00}, well the balance has changed several times after receiving the agreed payment.

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 2022-02-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: TN

Complaint narrative:
I am a victim of identity theft. I filed my Identity Theft Report with the Federal Trade Commission on XX/XX/2022, report # XXXX I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 

I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. 

I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. 

Please send me a letter explaining your findings and actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XXXX XXXX, 2021 I logged into my Chase mobile app to send a XXXX payment to a friend ( XXXX XXXX ). XXXX is linked to my contacts so when I saw the name XXXX in my XXXX contact list, I selected it and sent the {$750.00} payment. My friend XXXX did not text me letting me know that payment was received so I checked the Chase mobile app and noticed that the XXXX I sent the money to was the incorrect XXXX. The XXXX I sent the money to is someone who made a purchase from me back in XXXX. I text the XXXX ( XXXX XXXX ) that I incorrectly sent the money to but he did not respond. I filed a claim for the money with Chase but they denied the claim and said that I need to file a claim with XXXX ( transaction number XXXX ). I filed a claim with XXXX but they did not investigate. They sent me an automated response telling me to contact my financial institution. I am being sent in circles and neither XXXX nor Chase protect their customers from sending money to the incorrect recipients. I attempted to delete the incorrect XXXX from my XXXX contact list in the chase mobile app but there is no option to do this. So the incorrect XXXX 's information will always be in my XXXX list which means the potential to send money to the incorrect recipient is always there.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 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: Synovus Bank
State: CA

Complaint narrative:
I open an account in XX/XX/2020 I paid a high amount to be able to get approved a initiation fee, paid in full I have not use the card or have received an account statement on this account after a year I see i have a balance of {$80.00} I see it because I monitor my credit I call the number on the account which is phone # XXXX they do not answer that the only number I have I left multiple voice messages after a few days no more than 5 I get notice of this account been reported late I have not use this account the balance has been {$0.00} how can I talk to them now that I am in a collection they have a real number which I Just called and they refuse to delete this account. I am working with an XXXX Loan and I got a response today that they denied me the loan because my credit drop XXXX points I am going to loose my business because of this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: JFQ Lending, LLC
State: CO

Complaint narrative:
JFQ Lending ( not my mortgage lender ) is sending vague documents that mimic XXXX  year tax return documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 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: OH

Complaint narrative:
I purchased a car in XX/XX/XXXX. I received a loan with Capital One Auto Finance. I paid off the car in full, early, in XX/XX/XXXX. I received the vehicles title and later sold the vehicle. In XX/XX/XXXX I found that Capital One Auto Finance reported to my credit report that the loan was late and I owed an outstanding balance of {$27.00}. I contacted The company and they agreed they made an error. They promised to remove this negative item from my credit report. Instead of removing it they found it as a charge off. Which affects my credit report. This information is incorrect it was added over a year later after they receive full payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Central Collection Corporation
State: WI

Complaint narrative:
In XX/XX/2021, while attempting to lease a new car, I found out XXXX XXXXXXXX XXXX collection attorneys filed a delinquent account to my credit report. Due to the filing, my credit scores dropped. This prevented me from being able to lease a car and raised interest rates to purchase to a level I could not afford. 
While I did receive services from XXXX XXXX, they were paid in full. Insurance paid the bulk of the bills, and the remainder was paid out-of-pocket. I made a request for the verification of the debt and received a letter with a patient history attached. Upon review of the history, it was clear my account was double-billed for services, specifically teeth cleaning and an exam. I paid out-of-pocket for the cleaning and exam, but it was covered by my insurance. XXXX XXXX also billed my insurance company and it was paid out in full. Due to the double-billing, I overpaid for services that were provided. I did write to XXXX XXXX XXXX attorneys with my findings and have been awaiting a response. I have called, but they claim to have not received a response from XXXX XXXXXXXX XXXX office. 
This collections account on my credit report has been a hindrance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 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: VA

Complaint narrative:
I pulled my credit report due to me getting notices that my social security and some of my accounts had been attached to a data breach. I notices some accounts that I was not aware of and unusually increase and charges on other accounts on my report. Disputing thru the credit bureau and company regarding inaccurate accounts and requested validation and verification of debts. Credit bureaus never provided, I requested accounts to be REMOVE AND DELETE from my reports but the account is still reporting and investigation was not done.

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 2022-02-11 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: VA

Complaint narrative:
I pulled my credit report due to me getting notices that my social security and some of my accounts had been attached to a data breach. I notices some accounts that I was not aware of and unusually increase and charges on other accounts on my report. Disputing thru the credit bureau and company regarding inaccurate accounts and requested validation and verification of debts. Credit bureaus never provided, I requested accounts to be REMOVE AND DELETE from my reports but the account is still reporting and investigation was not done.

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 2022-02-11 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: TN

Complaint narrative:
I am a victim of identity theft. I filed my Identity Theft Report with the Federal Trade Commission on XX/XX/XXXX, report # XXXX I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 

I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. 

I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. 

Please send me a letter explaining your findings and actions. 

Remove Fraudulent Accounts : Account name : XXXX Account number : XXXX Original creditor : XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Status updated : XX/XX/XXXX Account type : Open account Balance : {$7000.00} Balance updated : XX/XX/XXXX Paid off : 0 % Responsibility : Individual account Payment history : No payments have been reported on this account. 
Contact info : XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Comments : Placed for collection Account name : XXXX Account number : XXXX Original creditor : XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Status updated : XX/XX/XXXX Account type : Open account Balance : {$0.00} Balance updated : XX/XX/XXXX Paid off : 100 % Responsibility : Individual account Payment history : No payments have been reported on this account. 
Contact info : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Account name : XXXX Account number : XXXX Original creditor : XXXX XXXX Date opened : XX/XX/XXXX Status updated : XX/XX/XXXX Account type : Open account Balance : {$400.00} Balance updated : XX/XX/XXXX Paid off : 0 % Responsibility : Individual account Payment history : No payments have been reported on this account. 
Contact info : XXXX XXXX XXXX, DE XXXX XXXX XXXX Comments Affected by natural disaster

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 2022-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have placed a freeze on all 3 credit bureaus, Equifax, XXXX, and XXXX, and I just received an alert stating there was a PIN change on my account. I have not made any changes on my accounts until now. Customer service is closed, therefore I can't report this until tomorrow. I don't know how someone got inside my account or even know my username/email to get into my account because you have to know my social, address, how to spell my first name ( XXXX ). My spouse denies any doings but he has given my information away in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 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: CA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2022-02-11 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: TN

Complaint narrative:
I called all three bureaus. And I did the dispute process. They acknowledge that XXXX  reported the debt was sold to another company and therefore XXXX  DOES NOT OWN THE DEBT. The company that XXXX sold the debt to has been paid in full and agreed to remove any derogatory reporting. They gave me this in writing and I have proof of this info and payment. Despite all of this NONE of the 3 bureaus will remove this from my credit report as derogatory. XXXX says that they acknowledged they do not own the debt to the bureaus- but they are going to continue to report it - and all 3 bureaus acknowledge all of this ( and have my submission of proof as part of my dispute ) but REFUSE to remove XXXX. This is going on 3 years or more of me disputing this info and the credit bureaus refusing to remove it. ( Among several other things like student loans that were never late and the Federal government ceased payments for anyways ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I had a collection which I paid and I was promise to have the account to be deleted as of today they account will open and reporting wrong.

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 2022-02-11 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: TN

Complaint narrative:
I am a victim of identity theft. I filed my Identity Theft Report with the Federal Trade Commission on XX/XX/XXXX, report # XXXX I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 

I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. 

I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. 

Please send me a letter explaining your findings and actions. 

Remove Fraudulent Accounts : Account name : XXXX  Account number : XXXX Original creditor : XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Status updated : XX/XX/XXXX Account type : Open account Balance : {$7000.00} Balance updated : XX/XX/XXXX Paid off : 0 % Responsibility : Individual account Payment history : No payments have been reported on this account. 
Contact info : XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Comments : Placed for collection Account name : XXXXL Account number : XXXX Original creditor : XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Status updated : XX/XX/XXXX Account type : Open account Balance : {$0.00} Balance updated : XX/XX/XXXX Paid off : 100 % Responsibility : Individual account Payment history : No payments have been reported on this account. 
Contact info : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Account name : XXXX Account number : XXXX Original creditor : XXXX XXXX- XXXX XXXX : XX/XX/XXXX Status updated : XX/XX/XXXX Account type : Open account Balance : {$400.00} Balance updated : XX/XX/XXXX Paid off : 0 % Responsibility : Individual account Payment history : No payments have been reported on this account. 
Contact info : XXXX XXXX XXXX, DE XXXX XXXX XXXX Comments Affected by natural disaster

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 2022-02-11 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: TN

Complaint narrative:
I am a victim of identity theft. I filed my Identity Theft Report with the Federal Trade Commission on XX/XX/XXXX, report # XXXX I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 

I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. 

I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. 

Please send me a letter explaining your findings and actions. 

Remove Fraudulent Accounts : Account name : XXXX Account number : XXXX Original creditor : XXXXXXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Status updated : XX/XX/XXXX Account type : Open account Balance : {$7000.00} Balance updated : XX/XX/XXXX Paid off : 0 % Responsibility : Individual account Payment history : No payments have been reported on this account. 
Contact info : XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Comments : Placed for collection Account name : XXXX Account number : XXXX Original creditor : XXXX XXXX XXXX XXXX  Date opened : XX/XX/XXXX Status updated : XX/XX/XXXX Account type : Open account Balance : {$0.00} Balance updated : XX/XX/XXXX Paid off : 100 % Responsibility : Individual account Payment history : No payments have been reported on this account. 
Contact info : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Account name : XXXX Account number : XXXX Original creditor : XXXX XXXX- Date opened : XX/XX/XXXX Status updated : XX/XX/XXXX Account type : Open account Balance : {$400.00} Balance updated : XX/XX/XXXX Paid off : 0 % Responsibility : Individual account Payment history : No payments have been reported on this account. 
Contact info : XXXX XXXX XXXX, DE XXXX XXXX XXXX Comments Affected by natural disaster

Company response to consumer: Closed with explanation