vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-03 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:
Someone is Trying to Apply for Credit Using my Name. I did Not Authorize anyone to Open and credit Using My Personal Information to Open New Accounts

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 2020-01-03 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: IL

Complaint narrative:
In XX/XX/2018 my account was closed due to fraudulent charges. I was told to send a copy of my ID and a copy of a bill to prove address. 

I sent it for 4 months straight and I was told that once received they would send me a new credit card and reopen my account. But that didn't happen and now they sent my account to collections. They also reported to credit bureau and it has brought down my score. I was in good standing therefore, my account should have been handled correctly. 

I also lost my reward points that was about 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 2020-01-03 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: FL

Complaint narrative:
To whom it may concern, I am writing in regards to late payments on my credit report from XX/XX/2019 and XX/XX/2019 for my XXXX XXXX XXXX  account. 

I understand how important it is to make timely payments, and that failure to do so creates an inconvenience for you. However, I missed my payment because I had a family emergency that I had to allocate funds to them. I am confident that this wont happen again and I have taken steps to ensure my financial responsibility moving forward. 

As a courtesy, I am requesting that make a goodwill adjustment and remove the late payment on XX/XX/2019 and XX/XX/2019 from my record. This will help improve my credit worthiness and give me renewed confidence in being a XXXX XXXX XXXX  customer in good standing. 

Thank you for your consideration, XXXX 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 non-monetary relief
Consumer complaint received 2020-01-03 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:
Someone is Trying to Apply for Credit Using my Name. I did Not Authorize anyone to Open and credit Using My Personal Information to Open New Accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-03 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:
Someone is Trying to Apply for Credit Using my Name. I did Not Authorize anyone to Open and credit Using My Personal Information to Open New Accounts

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 2020-01-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Clearview Resolution Services
State: SC

Complaint narrative:
On XX/XX/2020 at XXXX XXXX I got a call from my local sheriffs dept. caller is was XXXX. Officer asked me if I had a loan with XXXX XXXX and advised me a criminal complaint was filed on me and is a misdemeanor for each check that I stopped to XXXX XXXX inXXXX hr had all of the current balance and original loan information and advised me to contact XXXX XXXX at XXXX XXXX XXXX at XXXX. At XXXX XXXX I had an 8 min conversation with XXXX and he said tht I can settle for 25 % of the balance for XXXX $ today to avoid criminal charges and the CFPB would issue a grant for the rest because I am a single mother. He even offered to call my mom and help get the kk way to settle it. I declined that offer. 
I contacted XXXX XXXX and confirmed they sold it to XXXX  who has placed it with XXXX XXXX for collections who outsourced it to XXXX XXXX XXXX I called my local sheriffs off ice and the said they have gotten numerous calls about them contacting people about debt for criminal charges and said their Number was most likely spoofed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivable Solutions, Inc.
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I wanted a credit report from transunion at no point during my sign up was I told I was going to be charged {$26.00} or signed up for a monthly credit monitoring service. But I was

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 monetary relief
Consumer complaint received 2020-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
Resurgent Capital Services phone # XXXX is reporting a collections account LVNV Funding XXXX  on my credit report that was closed and paid off through XXXX XXXX XXXX Phone # XXXX. They account is closed and settled The statement settlement amount accepted by the creditor XXXX was {$340.00}. ( 3 ) payments of {$110.00}. The first payment was made to XXXX and cleared on XX/XX/XXXX check # XXXX and the 2nd payment was for {$230.00} through phone transfer made to LVNV Funding XXXX now listed under Resurgent Capital Services on XX/XX/XXXX and cleared on XX/XX/XXXX. There was a problem with the settlement due to the account being sold to LVNV Funding XXXX in the middle of the settlement. XXXX XXXX XXXX payment processing team reached out to Resurgent for LVNV Funding XXXX debt to honor the payment and they did which is why the payment was made later because of the transition from XXXX. I have contacted Resurgent several times and told them that they account was settle. I faxed them the settlement letter provided by XXXX XXXX XXXX that shows the settlement payments for a total of {$340.00}. Resurgent Capital services keeps reporting to the credit bureaus that the collection account is still open. They asked for proof of cleared payments and I faxed them the statement, but they are not closing the account. Resurgent Capital Services has been reported as a problematic unfair company abusing consumers. I have researched online and found a lot of negative information about them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have requested debt validation of two accounts being collected by XXXX XXXX XXXX XXXX After sending a certified letter requesting this debt collector to validate the debt, they did not respond with sufficient documentation or information to satisfy my request, as is my right under the Fair Credit Reporting Act ( FCRA ) and the California Rosenthal Fair Debt Collection Practices Act. 

Instead, I received a generic " Cardmember Agreement '' without my name, signature, or any other identifying information. XXXX XXXX XXXX XXXX later sent me two aged account statements that are significantly lower than the balances being reported to the credit reporting agencies. I do not know who XXXX XXXX XXXX XXXX is, and I do not recall entering a binding loan agreement with this entity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Midland Credit Management has failed to provide requested documents to validate debt they are seeking. They have called my place of employment and sent letters citing pre legal notices and forwarding to attorney. In XX/XX/2019, I sent a certified letter via USPS for MCM to send documents to validate this debt however documents were not sent to validate this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 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: TX

Complaint narrative:
Accounts couldn't be paid due to wifes medical and loss of work. Both of my capital one accounts went into collection. A company called " XXXX XXXX XXXX '' handled the accounts through negotiation in XX/XX/XXXX. Both accounts were paid in full, but never removed from my credit reports. XXXX XXXX XXXX has been trying to help me get these fixed with no help. Capital One is saying I still owe them money and wont update my credit report after settling their agreement terms. I have contacted Capital One over 10 times over the last month trying to get " payoff '' letters to fix my credit myself. They refuse to give them to me even though I have paid them.

One account had a balance of {$2900.00} and was settled for {$1400.00} with the last payment being made inXX/XX/XXXX. The other account had a balance of {$1200.00} and was settled for {$630.00}. The last payment was made XX/XX/XXXX. Capital one will not give me the payoff letters I am due to file on my taxes for XX/XX/XXXXyear. That is the legal requirement and I will be reporting them to the IRS also.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 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: TX

Complaint narrative:
they wont let me get a copy of my report and locked me out of my accounts XXXX   XXXX  exp

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 2020-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
Received a promotion addressed to me in XX/XX/2019 to open a TD Bank checking account and be credited {$300.00} if I met the direct deposit requirements. I met the requirements and called 4 times between XX/XX/XXXX and XX/XX/XXXX to find out why I hadn't been credited the promised {$300.00}. I got a different answer every time including being told in XX/XX/XXXX that I don't qualify for the promotion at all. I was told by a branch manager and a customer service representative just before XXXX  that they were contacting the back office on my behalf but I never received a response. I feel tricked into opening the account with the promise of a {$300.00} credit within 90 days of the XX/XX/XXXX account opening. Now I'm getting the run-around.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 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: LAKEVIEW LOAN SERVICING, LLC
State: FL

Complaint narrative:
I have two loans with Lakeview Loan Servicing. They were both purchased and enrolled the same date and due the same month. I do make both payments the same date and for the same period at the same bank. I have always made the required payment. However, for some reason, one of my loans has been showing up consistently late for the past 8 months, since XX/XX/2018. I requested correction, made numerous of phone calls, spent lots of hours on hold and spoken with almost about 30 people including senior managers but they all seem to not understand how to correct the error on my account. I last file a credit dispute in XX/XX/XXXXto both credit rating agencies for correction because their irresponsible behavior impact my credit rating. The rating agencies temporarily made an adjustment to my credit because Lakeview Loan Servicing could not prove me wrong. Whatever, Lakeview Loan Servicing did at the time, it seem the did not correct the problem in their system. Since my last communication with Lakeview Loan Servicing in XX/XX/XXXX, I recently check my credit reporting and it shows I am again 3 months late with my payment and one month of no payment. This is really frustrating and I am getting nowhere at this point.

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 2020-01-03 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: FL

Complaint narrative:
To whom it may concern, I am writing in regards to late payments on my credit report from XX/XX/2019 and XX/XX/2019 for my XXXX XXXX XXXX  account. 

I understand how important it is to make timely payments, and that failure to do so creates an inconvenience for you. However, I missed my payment because I had a family emergency that I had to allocate funds to them. I am confident that this wont happen again and I have taken steps to ensure my financial responsibility moving forward. 

As a courtesy, I am requesting that make a goodwill adjustment and remove the late payment on XX/XX/2019 and XX/XX/2019 from my record. This will help improve my credit worthiness and give me renewed confidence in being a XXXX XXXX XXXX  customer in good standing. 

Thank you for your consideration, XXXX 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 2020-01-03 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: FL

Complaint narrative:
To whom it may concern, I am writing in regards to late payments on my credit report from XX/XX/2019 and XX/XX/2019 for my XXXX XXXX XXXX  account. 

I understand how important it is to make timely payments, and that failure to do so creates an inconvenience for you. However, I missed my payment because I had a family emergency that I had to allocate funds to them. I am confident that this wont happen again and I have taken steps to ensure my financial responsibility moving forward. 

As a courtesy, I am requesting that make a goodwill adjustment and remove the late payment on XX/XX/2019 and XX/XX/2019 from my record. This will help improve my credit worthiness and give me renewed confidence in being a XXXX XXXX XXXX  customer in good standing. 

Thank you for your consideration, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 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:
To whom it may concern, I am writing in regards to late payments on my credit report from XX/XX/2019 and XX/XX/2019 for my XXXX/XXXX account. 

I understand how important it is to make timely payments, and that failure to do so creates an inconvenience for you. However, I missed my payment because I had a serious family emergency where I had to allocate the funds to help out. I am confident that this wont happen again and I have taken steps to ensure my financial responsibility moving forward. 

As a courtesy, I am requesting that XXXX/XXXX  make a goodwill adjustment and remove the late payment on XX/XX/2019 and XX/XX/2019 from my record. This will help improve my credit worthiness and give me renewed confidence in being a XXXX/XXXX  customer in good standing. 

Thank you for your consideration, XXXX 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 2020-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
Midland is reporting in my credit file however it is inaccurate because it was said to be late yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account came from but they failed to provide me so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2019 I was trying to take my rent money of XXXX  $ I got 4 receipts stating that it was fraud and I wouldnt be able to get the money I called boa fraud number and they said they were pending charges the charge went thru for 1 and the charge was made and I never got my money Ive called boa they havent wanted to do anything to help me I submitted a report with the XXXX XXXX XXXX and the XXXX said Bank of America was goin to call me and tell me whats goin on with my claim bank of America hasnt tried contacting me to the day I tried calling them and the representatives say they have no idea what Im talking about I been a valued member for 15 years and they dont care for me or helpin me with this problem all I want is my money back and close this bank account they are thiefs

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 2020-01-03 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:
To whom it may concern, I am writing in regards to late payments on my credit report from XX/XX/2019 and XX/XX/2019 for my XXXX/XXXX  account. 

I understand how important it is to make timely payments, and that failure to do so creates an inconvenience for you. However, I missed my payment because I had a serious family emergency where I had to allocate the funds to help out. I am confident that this wont happen again and I have taken steps to ensure my financial responsibility moving forward. 

As a courtesy, I am requesting that XXXX/XXXX   make a goodwill adjustment and remove the late payment on XX/XX/2019 and XX/XX/2019 from my record. This will help improve my credit worthiness and give me renewed confidence in being a XXXX/XXXX  customer in good standing. 

Thank you for your consideration, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 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:
To whom it may concern, I am writing in regards to late payments on my credit report from XX/XX/2019 and XX/XX/2019 for my XXXX account. 

I understand how important it is to make timely payments, and that failure to do so creates an inconvenience for you. However, I missed my payment because I had a serious family emergency where I had to allocate the funds to help out. I am confident that this wont happen again and I have taken steps to ensure my financial responsibility moving forward. 

As a courtesy, I am requesting that XXXX make a goodwill adjustment and remove the late payment on XX/XX/2019 and XX/XX/2019 from my record. This will help improve my credit worthiness and give me renewed confidence in being a Webbank/Fingerhut customer in good standing. 

Thank you for your consideration, XXXX 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 2020-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I have contacted the company/creditor many many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation