vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2020 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me. 
Check that you wish to publish it

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 2020-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was traveling in XXXX, XXXX and tried to withdraw XXXX pesos from a bank ATM ( XXXX ),  which was the equivalent to {$970.00} US dollars from my Capital One 360 Checking account. The ATM said transaction failed, and I didn't end up getting the money. But it still said the money was debited from my checking account. I filed a claim, but today I was emailed saying my dispute was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/2018 a credit card was opened using my information that I was not aware of, and I have provided proof that this card is not mine, and capital one has ignored any attempt that I have made to rectify the problem, the debt is for {$11000.00}. I have been a victim of identity theft for years, and have ask that I be contacted before opening up new accounts and they did not inform me that this account was opened. The account number listed on my credit report is XXXX. Please have them remove this fraudulent information from my credit report immediately, they are not following the FCRA guidelines.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
To whom it may concern ... my name is XXXX XXXX ... my family and I have recently been affected by the COVID 19 pandemic, not in a health way ... however in a workforce way ... we have been laid off by our employers in XXXX and have absolutely 0 income coming into the household right now. I understand the importance of keeping up with my payments and bills however I have the following outstanding accounts right now : SYNCB/PPMC for {$980.00}

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 2020-03-26 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: Statewide Credit Services Corp.
State: NY

Complaint narrative:
I recently created a credit monitoring account in hopes to be informed about my financial standing because I am ready to start the process of purchasing a new home however, while checking my credit monitoring sights. I noticed a few errors on my credit report that I believe to be inaccurate and or fraudulent. I would like for these accounts in this complaint to be removed as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 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: Eagle Accounts Group, Inc.
State: NY

Complaint narrative:
I recently created a credit monitoring account in hopes to be informed about my financial standing because I am ready to start the process of purchasing a new home however, while checking my credit monitoring sights. I noticed a few errors on my credit report that I believe to be inaccurate and or fraudulent. I would like for these accounts in this complaint to be removed as soon as possible.

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 2020-03-26 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: IL

Complaint narrative:
I had a previous dispute about a name XXXX XXXX that has been removed from my credit file. But the Acct # XXXX from the ILLINOIS DCFS under the name XXXX XXXX and my Credit file name is XXXX XXXX I never used or every went by the name 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 2020-03-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
I PURCHASED A LEASED VEHICLE FROM XXXX  XXXX XXXX BACK IN XX/XX/XXXX.FAST FORWARD TO XX/XX/XXXX, I WENT INTO THE SAME DEALERSHIP FOR AN OIL CHANGE AND WAS ADVISED THAT THEY HAD A BUY BACK PROGRAM WHERE THEY WERE BUYING PEOPLE OUT OF THEIR LEASES. SO I ENDED UP WALKING OUT THE SAME DEALERSHIP WITH A NEW XXXX  XXXX XXXX. WHEN TALKING TO THE SALESPERSON WE TALKED ALL ABOUT GAP INSURANCE AND THE PAYMENTS & I THOUGHT I WAS SET. WELL A FEW WEEKS AFTER THE PURCHASE I WAS MAILED A REMAINDER STATMENT FOR MILEAGE AND WEAR AND TEAR. I IMMEDIATELY REACHED OUT TO XXXX  XXXX XXXX TO SEE WHAT THAT WAS ABOUT. I WAS TOLD HE WOULD LOOK INTO AND HAVE IT FIXED. WHICH WAS THE LAST TIME I HEARD ANYTHING ELSE ABOUT THE LEASED LOAN. WELL I AM CURRENTLY IN THE PROCESS OF PURCHASING A HOME AND I WAS ADVISED THAT THE LOAN IS STILL SHOWING CURRENT AND OPEN, WHICH WAS MINDBLOWING TO ME AS I HADNT MADE A PAYMENT SINCE XX/XX/XXXX& THE BALANCE WAS SUPPOSE TO BE TAKEN CARE OF.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 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: CCS Financial Services, Inc.
State: NY

Complaint narrative:
I recently created a credit monitoring account in hopes to be informed about my financial standing because I am ready to start the process of purchasing a new home however, while checking my credit monitoring sights. I noticed a few errors on my credit report that I believe to be inaccurate and or fraudulent. I would like for these accounts in this complaint to be removed as soon as possible.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I RECENTLY RAN MY CREDIT AND NOTICED THE BELOW ACCOUNT SHOWING LATE PAYMENT HISTORY. I HAVE NEVER BEEN LATE ON ANY OF MY ACCOUNTS. I NEED THE BELOW ACCOUNT AMENDED IMMEDIATELY TO SHOW NEVER LATE. I HAVE FOUND AN ACCOUNT REPORTING LATE PAYMENT INFORMATION. I HAVE NEVER BEEN LATE ON THE BELOW ACCOUNT. 

PLEASE AMEND THIS ACCOUNT TO SHOW, NEVER LATE. ON XXXX, XXXX AND XXXX I HAD MAILED A DISPUTE LETTER OF THE BELOW ACCOUNT TO BE AMENDED AS IT WAS BEING REPORTED IN ERROR. 

TO DATE I HAVE NOT RECEIVED AN INVESTIGATIVE RESULTS REPORT AND NOW YOUR COMPANY IS IN VIOLATION THE 3RD TIME OF THE FCRA GUIDELINES REGARDING INVESTIGATIVE RESULTS REPORTS DEADLINES ON I AM IN ESCROW AND NEED THESE ACCOUNTS DELETED AND AMENDED, WHERE APPLICABLE, TO AVOID LOSING MY {$75000.00} DOWNPAYMENT ON AN INVESTMENT PROPERTY.

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 2020-03-26 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: TX

Complaint narrative:
Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX  XXXX  XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
To whom it may concern ... my name is XXXX XXXX ... my family and I have recently been affected by the COVID 19 pandemic, not in a health way ... however in a workforce way ... we have been laid off by our employers in XXXX and have absolutely 0 income coming into the household right now. I understand the importance of keeping up with my payments and bills however I have the following outstanding accounts right now : JPMCB CARD for {$2700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
On XX/XX/2020 I spontaneously called XXXX Caine and Weiner company asking for some more information about a debit I found of {$800.00} from XXXX XXXX company . 

I talked to someone on the phone and I agreed to pay in full with the promises to receive a receipt letter and have it taken from my credit report. 

I called them and the person that I talked said it was not setup for sending this letter/receipt but he confirmed my address and made sure they would send the letter and also said they were still working on taking it from my credit report. 

The company is failing in providing the receipt even the total amount was taken from my account on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 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: NY

Complaint narrative:
XXXX XXXX added derogatory marks on my credit file the amount was {$760.00}. I initially disputed it in XXXX Ive never had a XXXX account. ( at that time another collections company called contract callers had this account. ) which I disputed with all three credit bureaus and contract callers the results from that dispute was the deletion of this erroneous debt. On XX/XX/XXXX I was notified by my XXXX  app that ( XXXX  XXXX ) been re-inserted into my credit file. Also this erroneous debt is being reported on my Transunion credit file under XXXX XXXX  XXXX # XXXX You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately. I dont have a signed contract nor any with XXXX XXXX XXXX XXXX XXXX  I have never done business with this company. I am not liable for collection from this debt from XXXX XXXXXXXX. I am not responsible for this debt from 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 2020-03-26 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: FL

Complaint narrative:
I have contacted XXXX  and XXXX  regarding collections against me from Jefferson capital system, they are trying to pass off old collections as new ones on my credit report. One of them is an old XXXX account thats over 7 years old and also a car loan they are not providing the correct amount and are trying to pass it off as a new debt of 2019 which is not accurate I have contacted both agencies and they are not correcting it. My car was bought back by the company and sold they have not included the amount they received from the car sale ... price lease help get the XXXX off my record since the XXXX account is so old it doesnt even show on my report they are trying to pass it off as new debt

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 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: V and H Portfolio
State: NY

Complaint narrative:
I recently created a credit monitoring account in hopes to be informed about my financial standing because I am ready to start the process of purchasing a new home however, while checking my credit monitoring sights. I noticed a few errors on my credit report that I believe to be inaccurate and or fraudulent. I would like for these accounts in this complaint to be removed as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On Monday, XX/XX/2020, I filed a dispute with Experian to dispute the erroneous name, of XXXX XXXX, being shown on my credit report. I have NEVER used the name XXXX XXXX without adding the XXXX as my middle initial and it should have never been added to my credit report without the XXXX This is a fraudulent, erroneous entry as I have Never used that name. The ONLY name that should appear on my credit report is XXXX XXXX XXXX. On XX/XX/2020, Experian sent me a letter refusing to remove this fraudulent, erroneous name and Experian also stated that they would never accept a written dispute sent thru the mail. I submitted a complaint to the CFPB on XXXX and as a result of that complaint, on XX/XX/2020, Experian again refused to remove the erroneous name from my credit report and Experian LIED when they said they were forwarding me a copy of my credit report! On XX/XX/2020, I received their latest letter refusing to remove the erroneous name from my file but Experian did NOT send a copy of my credit report as they had promised to do. Why doesnt the government take better control of these egregious credit reporting agencies and stop them from adding erroneous and fraudulent information to peoples personal credit information.

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 2020-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
Since XX/XX/XXXX I have been discussing a payment plan with my Mortgage company. By phone I was informed of a plan that would be arranged for me from XXXX to XXXX. They told me to pay from XXXX to XXXX XXXX {$680.00}. Then in XX/XX/XXXX to pay {$1300.00}. Then in XX/XX/XXXX I would start to pay {$750.00} a month. I paid {$700.00} a moth instead of the {$68000.00}. This went on until XXXX XXXX. In XX/XX/XXXX is when they set me a letter about the forbearance that the amount of {$700.00} was to avoid " Foreclosure ''!!! I thought it was towards my mortgage. Now my mortgage is of course backed up for months!!!!. So now again I've asked for a Payment Plan in order to be able to pay my mortgage. They've had me in review since XX/XX/XXXX to see if I qualify for a payment plan. Now its XX/XX/XXXX and they inform me I do NOT qualify for a payment plan, and now I owe {$11000.00}. I have called every single month to get some answers to no avail. I have offered to pay my mortgage, I even sent a check in XX/XX/XXXX for mortgage payment and they returned it. Now they want me to pay the full amount of {$11000.00}. So my question is, why do you think I was asking for a payment plan? I'm totally confused and angry. I have documentation of Request for Mortgage Assistance & their response, I also have my statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
On XX/XX/2018 a credit card was opened using my information that I was not aware of, and I have provided proof that this card is not mine, and XXXX XXXX has ignored any attempt that I have made to rectify the problem, the debt is for {$6200.00} I have been a victim of identity theft for years, and have ask that I be contacted before opening up new accounts and they did not inform me that this account was opened. The account number listed on my credit report is XXXX. Please have them remove this fraudulent information from my credit report immediately, they are not following the FCRA guidelines.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harris & Harris, Ltd.
State: NY

Complaint narrative:
I have been receiving letters and harassing phone calls from an attorney 's office ( Harris & Harris Ltd ) in reference to a so-called bill from XXXX  XXXX   XXXX Hospital. The Total amount requesting is {$980.00}. However, when I requested that they verify the debt, they send me information from another company omitting their name and the information written are full of in consistences. 

I have a contract in place with the XXXX XXXX XXXX  XXXX Hospital to make monthly payments. I do not know why this company would think I would pay them as well, especially with information that is false. Please advise

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I was looking at my credit report and I found that there was an account opened on XXXX XXXX in the amount of {$650.00}. That is not possible, I had a XXXX XXXX on XXXX XXXX. I wasn't physically or mentally able to be that. I have medical records as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 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: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
this account has been removed from credit report several times and  they keep reselling it .its coming up brand new and its affecting me from buying a house. its call Midland credit management account # XXXX {$2500.00} the original creditor was XXXX XXXX XXXX  ac # XXXX it was remove several times and this account was open over 2 year ago..I want statements of proof of date open or remove completely

Company response to consumer: Closed with explanation