vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2020-12-10 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: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 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: OH

Complaint narrative:
Unless you can send me the petition that verifies you've reported this bankruptcy accurately you need to remove it immediately. I can clearly see that this account does not conform to the FCRA regulations by reporting a court name that reflects 3 different information

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 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: MA

Complaint narrative:
The credit reporting agencies deleted incorrect and/or incomplete information, only to recently report the erroneous data again. The credit bureaus service failed to report deleted negative incorrect accounts in all three credit reporting agencies.

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 2020-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Unless you can send me the petition that verifies you've reported this bankruptcy accurately you need to remove it immediately. I can clearly see that this account does not conform to the FCRA regulations by reporting a court name that reflects 3 different 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 explanation
Consumer complaint received 2020-12-10 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: OH

Complaint narrative:
Unless you can send me the petition that verifies you've reported this bankruptcy accurately you need to remove it immediately. I can clearly see that this account does not conform to the FCRA regulations by reporting a court name that reflects 3 different 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 explanation
Consumer complaint received 2020-12-10 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: MARINER FINANCE, LLC
State: IL

Complaint narrative:
In XX/XX/XXXX, I identified on my XXXX  credit report that Mariner Finance ( previously Personal Finance Corporation ) was incorrectly reporting my account as being in collections. In XX/XX/XXXX, I was 30 days late with my payment, and prior to that, I was current until being 30 days late in XX/XX/XXXX. Since those occurrences, I have not missed a payment. 

On XX/XX/XXXX, I contacted local branch manager XXXX XXXX ( XXXX XXXX XXXX, XXXX, IL XXXX ), and she verified that my account was current in their system. She responded that she would have to take it up with corporate ( XXXX XXXX XXXX XXXX, XXXX, MD XXXX ). I followed up by mailing a copy of the report indicating the account in collections. 

It is now XX/XX/XXXX, and no progress has been made, and my credit score has been adversely affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
This bank is crazy they lie when I file a complaint they never call me or get back to me just write an email they dont care enough their executive office and not only that I requested a line increase because Ive been with them for a long time and they have never increased my credit limit and they give me a hard time the reasons with their system returned payments when I dont have Any they wont correct or fix this I dont know who to get ahold of now today to my surprise they hurt me more I received a letter that they decreased my limit how is this fair so Im complaining that they wont increase and I dont agree with the reasons and today I get a letter saying they decreased my limit from {$2500.00} to {$600.00}!! This is a joke this is not fair how can they do this to me And get away with it totally unfair how this bank treats its loyal customers

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
LVNV Funding, LLC along with XXXX XXXX XXXX, XXXX. ( XXXX XXXX ) are doing this here with me and numerous others in XXXX County of Texas. Since the Pandemic was declared on XX/XX/2020, they have filed my lawsuits with the district court and other smaller small claims courts through the XXXX XXXX XXXX area in XXXX Texas. 

The Government, specifically CFPB, needs to intervene with these companies. Because people are too busy with other matters, they are succeeding and obtaining a full judgment from paperwork they bought for pennies on the dollar at the full balance they have been given by seller of those credit accounts regardless of the accuracy of those charges thus the totality of that balance could be inaccurate. 

I have not received proof of charges with signatures of mine nor credit account signatures for the breach of contract that has been claimed ; therefore, the complaint should be dismissed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Law Office of Michael J. Scott, PC
State: TX

Complaint narrative:
XXXX XXXX XXXX along with Scott & Associates , P.C . ( XXXX XXXX ) are doing this here with me and numerous others in XXXX XXXX of Texas. Since the Pandemic was declared on XX/XX/2020, they have filed my lawsuits with the district court and other smaller small claims courts through the XXXX XXXX XXXX area in XXXX Texas. 

The Government, specifically CFPB, needs to intervene with these companies. Because people are too busy with other matters, they are succeeding and obtaining a full judgment from paperwork they bought for pennies on the dollar at the full balance they have been given by seller of those credit accounts regardless of the accuracy of those charges thus the totality of that balance could be inaccurate. 

I have not received proof of charges with signatures of mine nor credit account signatures for the breach of contract that has been claimed ; therefore, the complaint should be dismissed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: AMERICAN PACIFIC MORTGAGE
State: HI

Complaint narrative:
I am not able to pay my mortgage due to COVID-19. I requested from my mortgage company, American Pacific Mortgage for Forbarance provided by the Cares Act. Called them in early XXXX. I followed up about 4more times. On XXXX XXXX, I called again and they said that they finally put me on Forbarance. They told me it would not getting reported on my credit, that it would be on freeze. As of today, XX/XX/XXXX, i hav I have a delinquency report on my credit and I believe that they did not put me on Forbarance. I am currently XXXX  months behind on my mortgage and fear i will lose my home.

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 2020-12-10 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: TN

Complaint narrative:
There is a collection debt on my Experian account in which I have been attempting to have removed for over a year and a half now. This collection is under XXXX XXXX XXXX XXXX XXXX. It was for a water cooler service that is a completely different state from which I reside. The debt is {$570.00}. 
I was told to file a police report, write a statement about what happed, and contact the company who is attempting to collect this said debt that is 100 % fraud. 
I did all of the above including filing a report with the Federal Trade Commission. I want to mention that I contacted the company, XXXX XXXX XXXX XXXX XXXX  several times, I was told by two different workers that I would be sent a fraud packet to fill out then mail back to them. I never received one. 
I was also asked by them if I still lived at a California residence they had on file along with some email address. 
I told them I have never lived at the address they asked about and also I mentioned that this is the exact address that is tied to at least 2 other fraudulent accounts opened in my name! 
I gave them my legitimate address so they could mail me this fraud packet ( which I never received ) So, when I spoke with Experian about all of this they said the Bureau had my correct address, which was after I gave the collections Bureau my correct address so they could mail me this fraud packet they never sent. 
Experian has been incredibly disappointing. Every time I call Im told my matter is a dispute and Im then transferred to that department, and when I state my case to them, Im then transferred to the fraud department.

Its insane and infuriating, they just literally transfer me back and forth. This is screwing up my credit score and I cant even seem to get help from a credit bureau. Ive done everything Experian asked like I said and for what? To get jerked around and waste my time.

I really need someones else to get this handled. Please.

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 2020-12-10 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 60 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 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: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
The vehicle was unlawfully repossessed, unfortunately we didn't realize this until it was too late. They repossessed the vehicle prematurely and then sold for more than what we owed. They sent a letter stating we owed an additional XXXX dollars, when they sold the vehicle for XXXX. When you add the itemized items on the Auction sale statement they calculate out to a balance left of {$28000.00}. With our remaining balance of {$28000.00}, which is also listed on the same statement, it shows they owe us XXXX. Yet they claim it as a debt we owe them, which is incorrect. They refuse to correct this, or remove it from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 60 days and I haven't received any investigation results.

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 2020-12-10 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 60 days and I haven't received any investigation results.

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 2020-12-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
synchrony bank created a false debt and sent it it to credit reporting I owed no money They reporting XXXX  account on my credit file which makes no sense why would they open XXXX otherccounts when he claim I didn't pay the first 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 2020-12-10 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/XXXX I called Creditor Capital One to inform them of charges on my account that needed to be disputed. A charge dated XX/XX/2020 for {$500.00} dollars and XX/XX/2020 for {$500.00} and {$1000.00}, also a charge for {$68.00}. The gentleman I spoke with informed me I would be sent a new card. On Saturday XX/XX/XXXX I attempted to use my account and was denied. After viewing my account online I learned that my available balance was reduced from {$1600.00} to XXXX dollars. After calling Capital One to inform them that they mad an error and should not have reduced my available, balance, they then corrected my balance to reflect an available balance of {$1600.00}. 

On Monday I received my new Capital One Card and attempted to activate the card only to find out my account had been restricted. After contacting Capital One on three occasions the first Specialist informed me my account was in that status due to the disputes, while the other two representatives had informed me my account had been cancelled as of a result of a return payment that occurred 14 months prior. 

In its actions Capital One has shown they are willing to disregard the law. My account was over 8 years old, and my credit report reflects no lateness within the past 4 years. 

My account was restricted for use My account was then cancelled My credit will be severely harmed as a result ( See attached notice )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2020-12-10 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2020-12-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
My wallet was stolen and used to create a fraudulent account with Barclays Bank Delaware in my name. 

I have attached a Police report as proof that my wallet was stolen and that the account is fraudulent.

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 2020-12-10 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
Navient is trying to collect on student loans during covid reprieve and also reporting non payment to credit reporting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was scammed by a tutoring company using the website XXXX They asked me to send them money for tutoring service via XXXX. Once I did, they stopped replying. I called chase bank and XXXX to explain the scam, and asked them to stop the payment but they both refused and said they do not refund in case of scam. The fraud company is still up and running and no one can do anything about it. Please help communicate my issue and help me get my money back. I paid XXXX for no reason. Chase never notified me that connecting XXXX to the bank account would out of liability especially that the XXXX enrollment process took place from Chans online banking account itself. please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 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: OH

Complaint narrative:
I disputed this account and Experian updated my account with the credit company listed below. The account should've been removed by Experian because the account isn't my account.. XXXX  and XXXX  has already removed this account from my report. Please help me to get this account removed from Experian, it's damaging my personal credit. 
XXXX XXXX account number XXXX opened XX/XX/2019 amount owed {$610.00}.

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 2020-12-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
A fraudulent medical bill that was opened in my name has been sold to another collection agency after the credit bureaus blocked and deleted this account 24-36 months ago. Phoenix Financial Services is reporting a fraudulent {$550.00} account from identity theft. A police report with the XXXX Police Department has been listed within the id theft report and attached to this complaint against Phoenix Financial Services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Checkr, Inc
State: NJ

Complaint narrative:
Checkr background company wont update and release my driving report so I can continue to drive with XXXX & XXXX. This has been going on for about 11 months.

Company response to consumer: Closed with explanation