vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-22 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: VA

Complaint narrative:
Capital one and XXXX XXXX  both violated consumers fundamental rights I have paid everything on time over many years. 

My Three credit bureaus report show that capitalone and XXXX XXXX did not remove incorrect information. 


XXXX XXXX XXXX and Capital one bank are getting so many complaints from XXXX XXXX XXXX and consumer finance government. 

I try to purchase a home for my XXXX kids through FHA loan, USDA loan or VA loan but XXXX XXXX XXXX and capital one bank made incorrect information without my consent in credit bureau file, they should remove them under fair credit act and federal instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
I have been dealing with Amex for the last few weeks, i made a payment on XX/XX/XXXX for {$2800.00} to settle this account and get it cleared. I was told no further collection will be happening and reporting will be changed. to this day as of XX/XX/XXXX, my credit is reporting Amex as Late. this was not the agreement settled. I have called XXXX XXXX XXXX and spoken to the reps there and they have told me the reason the system hasn't updated their info is that they may be cant be tracked. This is an issue on their end and the guy has apologized for any inconvenience this is causing. He keeps telling me to call back in another week to follow up. I have called 3 times with still the same story. The confirmation for the transaction is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
During the closing process, I truncated my account number in the wire instructions. I discovered the issue after the wire had been originated by XXXX XXXX XXXX. I called my bank, JPM Chase, to see the status of the wire and if it could be corrected on their end by their wire department. 

I have had to call multiple times and they are unable to provide a status or a consistent answer to resolve the issue. Communication with their customer service department is difficult and they are unable to contact the wire room to resolve. I have received multiple different responses and instructions. Either their policy and procedures are deficient or they are not consistently following them with regards to handling issues with incoming wires.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: MRS BPO, LLC
State: TN

Complaint narrative:
An account that was opened in my name was placed up for collections, this account belonged to my biological father whom I share the same first and last name with. He has used my information in the past to get credit and so fourth, I have since placed him in jail for fraud. I paid this company the balance stated I owed and asked for a deletion, it was nothing but harsh words from that point on. Please bring justice to my name, I literally paid a debt off that didnt belong to me and this remaining on my credit is staining it.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
I refininance and Lakeview still insisted on taking a payment when none was due. By law they were required to send the refund within 15 days. It still has not been sent.

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 2021-04-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: FC HoldCo LLC
State: MD

Complaint narrative:
A number of years ago I began suffering from a medical and financial hardship that forced me to sell my assets, including my home and purchase a different car. The only option available to me at the time was to take a loan from Flagship Credit Acceptance, for almost 20 % interest. 

I have been working to pay off my loans and commitments over the last three years and Flagship has consistently been harassing with phone calls and communications, sending bills that reflected amounts owed higher than I owed ( and sometimes confusing me enough to pay double ) - altogether raising my anxiety and greatly impacting my health further. Continuing to make the payments required, even during the pandemic - and continuously communicated with them upon a late payment - and made sure to keep my account current. Despite this, Flagship have reported negative reports on my credit report - worsening my financial situation during the pandemic. 

To resolve matters, I made a huge effort to pay off the XXXX USD remaining on the loan - this was to be rid of Flagship. Still having paid off my loan early in XXXX, I still have not received a title. Making matters worse, it seems Flagship have also ignored communications from the XXXX after I registered my car in Maryland last year and didnt provide them with a title either back then. At this point I have reached out to Flagship credit over 4 times over the course of the last 3 weeks, only to spend hours on the phone with them - promising to return my calls and resolve the matter, but to no avail. Separately, they also took their time - well over 30 days - to report the payoff to credit bureaus. 

As a consumer who has been doing all he can to remain afloat, especially during a pandemic, the despicable business practices and lack of communication or resolution by Flagship Credit Acceptance LLC are unacceptable and have negatively impacted my life on many levels, now impacting my health and anxiety - I worked to pay off the loan and now will soon not be able to legally drive my car when my registration expires, despite owning it outright. I ask for your assistance in resolving this matter as soon as possible so I may resume my life, as well as for your assistance in punishing Flagship Credit Acceptance LLC who has been a longtime offender of consumer rights ( see many other complaints online ).

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 2021-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: PA

Complaint narrative:
On XXXX XXXX, 2019 CAINE & WEINER COMPANY added derogatory marks on my credit reports. Upon further research, those accounts were transferred /sold and I am no longer responsible for them. Debtors creditors did not verify those collections. Also there was no written form of communication, contract or signature for those account debts at all. 
Please provide me with the following : Signature for those account debts at all. 
What the money you say I owe is for. 
Explain and show me how you calculated what you say I owe. 
Provide me with copies of any papers that show I agreed to pay what you say I owe. 
Provide a verification or copy of any judgment if applicable. 
Identify the original creditor. 
Prove the Statute of Limitations has not expired on those accounts. 
Show me that you are licensed to collect in my state. 
Provide me with your license numbers and Registered Agent or Agent of Service.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 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: FL

Complaint narrative:
I HAVE ATTEMPTED ON SEVERAL OCCASIONS, TO REMOVE THE FOLLOWING ACCOUNT, WHICH IS CURRENTLY REPORTING NEGATIVELY ON MY CREDIT REPORT : XXXX ( XXXX ). THIS ACCOUNT DOES NOT BELONG TO ME, I CAN NOT EXPRESS THE AMOUNT OF CONCERN I HAVE AS TO WHY EQUIFAX HAS NOT BEEN ABLE TO REMOVE THE ACCOUNT OFF OF MY CREDIT REPORT. THEY HAVE NOT BEEN ABLE TO CORRECT THE ERROR WHICH HAS CAUSED THE HEALTH OF MY CREDIT SCORES TO OVERALL DETERIORATE. PLEASE ASSIST ME WITH THIS MATTER, AND REMOVE THE ACCOUNT COMPLETE. I'D GREATLY APPRECIATE IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 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: Sequium Asset Solutions, LLC
State: LA

Complaint narrative:
I settled a debt/collections directly with XXXX XXXX that was sent to Sequium asset solutions on We've received your payment, thanks. 




Payment Amount : {$680.00} Payment Date : XX/XX/2020 Payment Method : MasterCard ending in XXXX Account Number : XXXX and was told it would be updated and permanently removed from my credit report Sequium is still reporting inaccurate information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MRS BPO, LLC
State: OH

Complaint narrative:
I havent had services from this company. And I havent received any notices from this company with verification of this debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: MD

Complaint narrative:
The collection company Phoenix financial Services LLC is trying to collected a debt that is not mine, from someone in year 2014, in which the account pass 7 years reporting date.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX and XXXX XXXX  both violated consumers fundamental rights I have paid everything on time over many years. 

My Three credit bureaus report show that XXXX  and XXXX XXXX did not remove incorrect information. 


XXXX XXXX XXXX and XXXX XXXX XXXX  are getting so many complaints from XXXX XXXX XXXX and consumer finance government. 

I try to purchase a home for my XXXX kids through FHA loan, USDA loan or VA loan but XXXX XXXX XXXX and XXXX XXXX XXXX  made incorrect information without my consent in credit bureau file, they should remove them under fair credit act and federal instructions.

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 2021-04-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
In XX/XX/XXXX, Mr. XXXX learned that someone have gone to XXXX XXXX, XXXX, XXXX in XXXX, Florida and purchased 2 vehicles using Mr. XXXX 's name and personal information. A police report was immediately filed. The vehicles were financed via Chrysler Capital. 

A formal written dispute was initiated with Chrysler Capital on XX/XX/XXXX via fax. 

On XX/XX/XXXX, Mr. XXXX received a collection notice on the disputed account. 

On XX/XX/XXXX I spoke with XXXX ( employee ID # XXXX ) at Chrysler Capital Fraud department. He confirmed case # XXXX was opened on XX/XX/XXXX but not yet up for review ( based on date received ). He has forwarded me a form to complete and return via e-mail. 

On XX/XX/XXXX Mr. XXXX received a call from a XXXX XXXX with Chrysler Capital Executive Offices. She advised the XXXX that all documentation must be signed in notarized by XXXX. Most documentation provided WAS signed and notarized by XXXX ; however, they wanted a separate affidavit as such. 

On XX/XX/XXXX we received Chrsyler 's Affidavit, completed and returned via fax with all formerly provided documents confirming identity theft. 

On XX/XX/XXXX Mr. XXXX received another bill from Chrysler Capital dated XX/XX/XXXX. 

On XX/XX/XXXX I spoke to XXXX ( employee ID # XXXX ) @ Chrysler Capital ( XXXX ) and was told they were still reviewing my LPoA within their Legal Dept. 

Mr. XXXX was requested to resend all new documentation he had sent in response to earlier request - all documentation was resent. 

On XX/XX/XXXX we received notification from XXXX XXXX, XXXX, XXXX that they had confirmed the vehicles were purchased illegally via IDENTITY THEFT. 

Today we have received an XX/XX/XXXX dated correspondence from XXXX indicating that the Chrysler Capital account has been updated on Mr. XXXX 's credit file indicating UNPAID BALANCE CHARGED OFF and account is to continue reporting until XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-22 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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX ( Name of collection/charge off accounts ) that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the XXXX bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I have been calling and emailing Navient regarding a {$20000.00} loan amount owed from a college that closed due to fraudulent activity. 
Dates of communication : XX/XX/21 XX/XX/21 XX/XX/21 Repeatedly requested having loan information and what school each loan applies to mailed to me with very little response. 
They listed an incorrect school on one of the loans - one I have not even attended so I wanted a paper copy. 
The school has been closed for years and was scamming students like me. I do not feel I owe any more money for a degree that is now tainted by association.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CMI Group, Inc.
State: PR

Complaint narrative:
Hi. Mi name is XXXX XXXX XXXX. Mi email : XXXX Mi last SS digits : XXXX Today, XX/XX/XXXX, I received a notification from the app XXXX XXXX. 

The app said that a company named Credit MGMT is trying to collect me a debt. 

Actually, I am totally debt free. I do not know this company Credit MGMT. I think that some fraud is hapenning right know.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
XXXX Chase credit card accounts that I have in good standing charged me more interest this month, even though my balance was lower. When I called, there explanation was it was calculated on the average daily balance, but how can that be when I have not used the card and my balance was lower than the previous amount?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
They are trying to say I have two accounts that I owe on for XXXX and I don't. They hit my credit report twice with two different account numbers. I've wrote letters and nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Amsher Collection Services, Inc.
State: NC

Complaint narrative:
I received multiple calls from people claiming to work for AmSher, from phone number XXXX. They requested sensitive information such as my address, DOB, and SSN because of a " problem with my account. '' My account does not exist. In attempting to probe them on this issue, they named off imaginary laws and became quite hostile towards me, before abruptly hanging up. I tried calling back a few times, and they immediately hang up after trying to find out what was going on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
The company has placed debt on my credit and this is not my debt. The debt showed up on my account from no other resources to show it belongs to me. This debt Is not mine. False information about the debt attached to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: OH

Complaint narrative:
There were 5 transactions for XXXX dollars that were made from a XXXX  in XXXX New York XX/XX/XXXX between XXXX and XXXX that i did not authorize I contacted the company they were very rude and disrespectful hung up on me once and got rude with me several times about these charges that i did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX ( Name of collection/charge off accounts ) that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the XXXX bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

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 2021-04-22 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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX ( Name of collection/charge off accounts ) that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

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 2021-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: WA

Complaint narrative:
Since XXXX I have working diligently to save & build credit to purchase a first home with the XXXX program. Early XX/XX/XXXX I and the seller signed a contract for me to purchase a condo. The Title Co discovered a Judgement filed XX/XX/XXXX XXXX ( XXXX ) years prior. I was NEVER notified I lost my only opportunity to purchase my own home. Midland Funding XXXX XXXX ( XXXX, XXXX & XXXX ) did not respond to my " Settlement Offers '' mailed Certified and received XX/XX/XXXX & XX/XX/XXXX. At my advanced age, I may never have this opportunity again.

Company response to consumer: Closed with explanation