vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-10 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: MA

Complaint narrative:
To Whom It May Concern, On XX/XX/XXXX I went into my XXXX XXXX account which I haven't done in a long time and noticed in all my collections there is a charge of {$970.00} loan amount from XXXX. I called XXXX on XX/XX/XXXX to validate how I owed them any money. What had happened was back In late XXXX maybe early XXXX I had a family plan with them and a separate phone line. All my numbers on my family plan got moved to a different provider. As for my other phone line I paid it off and closed it since I believe I was on a month to month term with them. I Know 100 % I paid in cash at the XXXX store in full amount owed. While on the phone today they said they were billing me even after my account was closed because the person at the store never closed the account. I asked them to remove this whole thing from my report as this is inaccurate. The customer rep told me to go through each credit reporting site to dispute this. I do not owe them any money and never used phone there talking about. If someone else did such as that customer service rep from the store that is fraud and I should not be held responsible for something I never Authorized. I am Looking for all major credit reporting agencies to have this removed under the fair credit act since this is all Inaccurate and unverified Information. I will also show you guys a picture of this inaccurate info that they have on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 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: MA

Complaint narrative:
To Whom It May Concern, On XX/XX/XXXX I went into my credit karma account which I haven't done in a long time and noticed in all my collections there is a charge of {$970.00} loan amount from XXXX. I called XXXX on XX/XX/XXXX to validate how I owed them any money. What had happened was back In late XXXX maybe early XXXX I had a family plan with them and a separate phone line. All my numbers on my family plan got moved to a different provider. As for my other phone line I paid it off and closed it since I believe I was on a month to month term with them. I Know 100 % I paid in cash at the XXXX store in full amount owed. While on the phone today they said they were billing me even after my account was closed because the person at the store never closed the account. I asked them to remove this whole thing from my report as this is inaccurate. The customer rep told me to go through each credit reporting site to dispute this. I do not owe them any money and never used phone there talking about. If someone else did such as that customer service rep from the store that is fraud and I should not be held responsible for something I never Authorized. I am Looking for all major credit reporting agencies to have this removed under the fair credit act since this is all Inaccurate and unverified Information. I will also show you guys a picture of this inaccurate info that they have on 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 explanation
Consumer complaint received 2020-04-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hello, My wife and I purchased a vehicle from a company called XXXX in XXXX. We called the company in the beginning of XXXX because we could no longer afford it and they said we could make a payment and have them pick it up and we wouldn't owe them anything else which turned out to be a lie. We didn't know this at the time. 3 years later, a repossession hits my credit on XX/XX/XXXX. 

I have written 3 dispute letters to all 3 bureaus asking them to show verification of it being my debt and also to validate that the balance is correct because its not. We had a verbal deal that we wouldnt owe anything else after making the payment and surrendering the vehicle. XXXX has given us NOTHING. No itemized bill, no bill at all of any sort, and they are reporting to the credit agencies THE WRONG WAY. Transunion, XXXX  and XXXX  are all dragging their feet and telling lies also. 

They keep saying everytime I make a dispute that the XXXX verified the debt, the balance ( which is a lie ) and the status but they have not. I have demanded in writing and by phone that this account be removed from my credit reports immediately because the balance is WRONG, they cant validate the debt and most importantly, it keeps reporting as a late payment every single month on my credit report even though its been CLOSED for years and shows as CLOSED on my credit report but still reporting as a late payment that kills my score every month. 

I have also called XXXX directly 4 times dating back from XX/XX/XXXX asking them to validate the debt by showing me the bill and also to UPDATE all the WRONG information including the balance, status. 

My credit is perfect other than this and it is ruining me financially. I need this deleted from my credit report immediately. My letters/disputes were sent out in XXXX of XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Thanks!

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 2020-04-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC
State: CA

Complaint narrative:
Hi my name is XXXX XXXX, I have a auto loan at westlake financial services and I can't pay this month, is the First month can't I pay, for problems of Covid-19 and I need 3 month the extension but westlake financial doesn't want give me the extension.I asked them for an extension because I was not working due to covid 19 problems. I need your help because doesn't want give me extension

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: WA

Complaint narrative:
Mr. Cooper took over servicing of my mortgage from XXXX ( XXXX XXXX XXXX ) in XX/XX/2020. I had made my XXXX payment early to XXXX before I knew about the transfer. My account with Mr. Cooper does not reflect that I made that payment, and I've already contacted them and sent copies of my checking account transaction history, and XXXX transaction history showing the payment. They said they would research it and have a response within a month. It's been 31 days today, and I called back to follow up. The customer service representative I spoke to told me the research request had been closed without comment. My account is still missing the payment, my credit score has dropped, and Mr. Cooper is robocalling me with payment reminders for a payment that I've already made that they lost.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 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: EQUIFAX, INC.
State: CA

Complaint narrative:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital One has reported ( me ) XXXX XXXX as deceased I can not receive my credit report score. I've updated my status at Social security office and XXXX  and Capital one refuses to update my status

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NJ

Complaint narrative:
My identity was stolen. Someone opened an account in my name with Cash App. Cash app wont close account unless I provide them account number. I dont have the account number but I can provide the information that was used open the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 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:
XXXX XXXX CREDIT CARD ACCOUNT NUMBER : XXXX XXXX XXXX XXXX. INCORRECT BALANCE {$1400.00}, I have settled and closed this account. I closed and paid in full of this account on time ( never late ) XX/XX/2020, However there is reporting error following next statement on XX/XX/2020 to XX/XX/2020. The closed account was falsely or mistakenly re-billed. Due to Covid-19 Pandemic i am unable to pay for unauthorized re-bill that was mistakenly reporting by the bank institution.

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 2020-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have recently checked my credit report and saw many accounts that seem to be medical bills showing. I believe someone has been using my name or personal info to get certain things. This is fraud and I want to get to bottom of this because it is hurting my financial situation tremendously.

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 2020-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened a new City Priority account on XX/XX/2019 in hoping to get the promised XXXX XXXX XXXX bonus. I fulfilled all the requirements asked by CitiBank. However, they had been postponing crediting my account. First, it made false assumptions, claiming I did not met the requirements. I called in many, many times. Then I received a letter from CitiBank on XX/XX/2019, saying after investigation, it verified that due to some internal errors, my account was not credited, but it would do so within 90 days. I waited, but nothing happened. I contacted my banker. He said it would be fulfilled soon. It had been more than 5 months since I should have received my bonus. It seems CitiBank loves playing this type of scam and writes customers blank checks.

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 2020-04-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
inquires ftc violations 
capital one 
XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 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: BBVA FINANCIAL CORPORATION
State: CO

Complaint narrative:
BBVA is not allowing customers to make partial payments under the minimum payment amount required.

BBVA is calculating minimum payments in a way which is illegal. They are calculating a minimum payment based on the balance in the period, additionally adding any amount between the over credit limit amount and the credit limit. 

In my case BBVA is calculating the minimum payment allowed, and not allowing me to make partial payments online as {$320.00}. My credit limit was {$3900.00} before closing the card. The balance on the card is {$4000.00}. BBVA changed the credit limit from {$6000.00} to {$3900.00} last year. BBVA asserts that the minimum payment is whatever the monthly balance is, and additionally the spread between the over limit. In this case they assert they can set the minimum at whatever calculations for late payments plus the {$110.00} difference of over limit amount. The monthly minimum payment they claim is {$72.00}. Within the minimum payment math they believe they can multiply that by 3 for previous missed payments in XXXX and XXXX. They have applied payments in XXXX and XXXX to previous months and are still rolling forward the arrears to future months even though they have assessed late fees. 


Further BBVA is not applying amounts to current months. BBVA is stating that a missed payment in XXXX allows them to apply current months payments for that missed payment and subsequently classifying payments made in future months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 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: FL

Complaint narrative:
I have recently checked my credit report and saw many accounts that seem to be medical bills showing. I believe someone has been using my name or personal info to get certain things. This is fraud and I want to get to bottom of this because it is hurting my financial situation tremendously.

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 2020-04-10 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: FL

Complaint narrative:
I have recently checked my credit report and saw many accounts that seem to be medical bills showing. I believe someone has been using my name or personal info to get certain things. This is fraud and I want to get to bottom of this because it is hurting my financial situation tremendously.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 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: Nelnet, Inc.
State: CA

Complaint narrative:
I've been going back and forth with these people at the Nelnet customer service disputing this fraudulent student loan for months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-04-10 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: CA

Complaint narrative:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies

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 2020-04-10 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:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies

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 2020-04-10 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: TX

Complaint narrative:
inquires ftc violations 
capital one 
XX/XX/2020

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 2020-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
inquires ftc violations 
capital one 
XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: AES/PHEAA
State: MA

Complaint narrative:
My daughter only stayed in college for one year, She was given the loan information to make payments. 
She made a few payments by calling in a few times, she missed a few payments. At that time I suggested we call Fed Loan and set up a payment arrangement. We called together, My daughter and I spoke with the woman service rep, I told her I was calling about the parent plus loans taken out in my name, we gave our social security numbers and the service rep set up my daughters bank account for repayment. Several months went by, I started getting alerts about my credit score dropping due to late payments, I reached out to my daughter who provided a bank record of payments being made. Several more months went by and I continue to see my score drop, at that point I disputed it due to having proof of payment. In late XXXX I decided to call Fed loan to find out what was going on, it was at that time I discovered that the parent plus loan was not set up with a payment plan, the only account that was set up was a loan in my daughters name. I had no knowledge of this account ; it was set up by the college without my consent. I was not involved in this loan. When the initial repayment plan was set up the service rep set up the wrong account and did not disclose that she seen an additional account. 
The service rep suggested a forbearance, it was approved. I have been making on time payments since then. During the 8 months I received 16 late payments recorded against me on my credit report. They reported on 2 accounts being late but I only have 1 account number. I believe that these late payments against me are unjust, I called The Fed loan facility and gave all of the necessary information, there was no mention by the service rep of several accounts. If these said accounts were discovered the first time, I contacted their facility I would not be in this position. 

We called Fed loan in XX/XX/2018 to set up a repayment plan I have records that show one account was being paid while the other fell behind due to the wrong account being set up for repayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Credit Adjustments Inc
State: CA

Complaint narrative:
A debt collector named Credit Adjustments keep calling me and also has sent regular mail to my business demanding payment for a bad check written to an online company named XXXX  XXXX  in the amount of {$110.00} in XX/XX/XXXX. 

I repeatedly have told Credit Adjustments that this debt is not correct and is impossible because my company filed as a Corporation with the State of California and was not opened until XXXX of XXXX and that it is impossible for me to have written a bad check in XX/XX/XXXX and that they can verify this information by visiting the Calif State website and look up my corporation name of XXXX XXXX XXXX and verify what I am telling them is the truth. 

However, they continue to harass me after I verbally informed them to stop calling me and stated they are in violation of the Fair Debt Collection Practices Act. I have since written an email to this company since asking them to stop calling me did not stop. 

I then wrote an email to this company called XXXX XXXX  and informed them of the same, and they sent me back an email and they stated they asked Credit Adjustments to stop calling me for this collections for this check.

This company Credit Adjustments has obviously violated the Fair Debt Collection Practices Act and should be held accountable for their actions so they do not continue these practices to others. 

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