vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I received a call from an unknown number ( XXXX ) XXXX on XX/XX/2020 at XXXX XXXX  and immediately stated that I was not interested in any solicitations, ask them to remove my number from their list, and that my number was on the " Do Not Call Registry ''. The guy ( XXXX accent ) started talking and I ask him if this was a solicitation. He stated he was from American Express. I told the gentleman that they had the wrong guy that I didn't have an American Express card. He insisted that I did and was getting pushy. I used expletives to say again that he had the wrong guy and again that I didn't have an American Express card. He told me not to talk to him like that ( expletives ). I told him that if I just told him that he had the wrong guy and if he didn't want me talking to him like that, " he called me and he could hang up. '' I then hung up the phone. I then received a call on XX/XX/2020 from ( XXXX ) XXXX, which I waited about an hour, after they left no message and got a greeting from American Express XXXX XXXX, and hung up since I did have an American Express card. Again, on XX/XX/2020 at XXXX XXXX, I received another call from ( XXXX ) XXXX, which I ignored. There should be a way for the company to admit that they likely have access to carrier lists, which I don't think they should be able to sell your information. They find somebody with a similar name ( they never worry about middle initials or names ), and they call that number and harass the wrong person. Additionally, the " Do Not Call Registry '' is about worthless since they don't enforce the law that states they can't enforce it, and therefore is useless in itself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-05 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: AR

Complaint narrative:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Due to the COVID-19 we contacted our Mortgage Company in  XX/XX/2020 to inquire on what options we may, or may not, have for future payments due to the uncertainty of what was to come with the COVID-19 pandemic. At that time they made us aware that our only option was a Forbearance Plan. Since that plan did not financially make sense to us we decided not to take advantage of this plan. We have not had one late, or missed, payment in the history of this loan. So here we are in XX/XX/2020 and we're trying to make a purchase that requires a Credit Check. At this point we've now been made aware that our credit scores, payment histories, etc. all look great, however there is a Forbearance Plan being held against our Credit and is now inhibiting the transaction. 

We immediately called XXXX on XX/XX/2020 to address this issue and asked for it to be removed. In a very generic conversation, they informed us that this request would be submitted in the next 24 hours, however it would not reflect on our credit scores until XX/XX/2020. We immediately asked for a letter from XXXX to use in the Interim stating that the Forbearance had been removed off the account and was in fact never used. The first 2 responses from that request were, " we don't have anything like that we can do ''. After a 3rd attempt, we were finally able to determine I had to send the request for this letter to " XXXX ''. I've sent 2 emails ( XX/XX/2020 and XX/XX/2020 ) expressing the time sensitive urgency in receiving this letter and I'm not getting anything back except for an automated response " acknowledging '' the email I sent. 

We did NOT approve the Forbearance Plan for our Loan. We did NOT utilize the Forbearance Plan on our loan. So now due to XXXX Bait and Switch tactics based off our proactive inquiry in XX/XX/2020, when the COVID-19 pandemic started hitting hard, this has now affected our ability to move forward with a very important additional purchase that requires a credit check.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XXXX XXXX XXXX To : XXXX XXXX Tue, XX/XX/XXXX at XXXX XXXX  " Generally, you'll want to keep your oldest accounts active and in good standing in order to prevent them from being closed. '' REALLY? 

I now own my home. It's a disappointing reality that creditors and credit monitoring services are incapable of congratulating debt-free clients. 
Credit score dropped 80+ points because I PAID OFF AND CLOSED MY OWN MORTGAGE ACCOUNT. 
Shame on you... 

XXXX XXXX XX/XX/2020

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
XXXX XXXX XXXX To : XXXX XXXX  Tue, XX/XX/XXXX at XXXX XXXX  " Generally, you'll want to keep your oldest accounts active and in good standing in order to prevent them from being closed. '' REALLY? 

I now own my home. It's a disappointing reality that creditors and credit monitoring services are incapable of congratulating debt-free clients. 
Credit score dropped 80+ points because I PAID OFF AND CLOSED MY OWN MORTGAGE ACCOUNT. 
Shame on you... 

XXXX XXXX XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: DISCOVER BANK
State: NC

Complaint narrative:
I hope who ever is reading this is having a great day, I reached out to Discover back in XXXX concerning this account letting them know my ex wife had opened this account without me knowing and ran up charges. They never contacted me back concerning this account so I was unaware of my payment due date. I didn't file a police report because I didn't want to see her get in trouble so I reached out to Discover to see what I could do to solve this issue. They never contacted me back and its been two month since I wrote their company disputing this account. This account is locked so I had no way of knowing how much the payments are or the due date. I recently been out of work due to the Corona Virus so its been hard financially. I reached out to Discover to let them know my situation and they said it was nothing they can do to help me I would have to dispute the late charges directly threw cfpb or Credit Bureau. I have never been late on no recent payments and this negative impact to my score has added to my stress during these hard times our country is facing. Can someone please help me with this situation. Thanks have a great day.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have multiple credit cards with Capital One. This is the second incident I've had with them concerning them putting a block on my card due to their poor security measures. One of my current cards is set up with merchants to pay recurring installments on purchases. Last week I noticed a payment had not been withdrawn from the card. I contacted the merchant and tried to make the payment with the card manually, but to no avail. I contacted Capital One and was informed that they noticed an unauthorized attempt to debit the card a week earlier. They proactively put a block on the card without informing me of any of this information. They rendered the card useless without telling me. The agent I spoke with kept referring to the " small block '' they placed on my card and now it would need to be replaced since the card was canceled unbeknownst to me. This is not the first incident I have had like this. Another card I had with them had to be replaced due to their poor security and lackluster fraud control. In that instance, I received a replacement card and did not activate it, yet another charge was placed on it. The card was replaced again. Again I didn't activate it and another charge was still placed on it. I finally canceled the card account and experienced a derogatory drop in my credit score. Capital One keeps telling me that Mastercard allows the charges even though a different card number is issued if the account is a subscription ( in the first incident someone had opened a XXXX account using my card number ). XXXX was way more helpful in getting the situation resolved than Capital One. Capital One takes absolute zero responsibility for any of these incidents and practically blamed me for possibly giving my card number to an unauthorized user. Now I will need to cancel this current card account to avoid this happening again. My credit score will be negatively impacted again and I will lose another credit source that I have earned and have an exceptional payment history with. To Capital One this is " business as usual '' and a " small block ''. I am contemplating legal action against them and want them to be punished to the fullest extent of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
In my previous complaint with CFPB ( XXXX ), I  complained about the business practices of XXXX XXXX XXXX. I also filed a formal complaint with the XXXX XXXX XXXX  on XX/XX/XXXX. After I contacted XXXX  regarding my complaint, XXXX XXXX XXXX retaliated and sole my credit card account ( Visa # XXXX ) to third party which has now appeared on my credit report. In a letter I received from XXXX XXXX XXXX  dated XX/XX/XXXX, it mentions that my account for VisaXXXX was closed on XX/XX/XXXX which I was never informed via email or letter. I did receive an email on XX/XX/XXXX that the insurance for the Visa-XXXX would be cancel. Not once did this letter mentioned " closed ''. As I stated this retaliation against me from XXXX XXXX XXXX because of the complaint to the XXXX XXXX XXXX and my refusal to pay the excessive fees they attached to a couple of missed/late payments from over a year ago. Their tactics with the harassing, countless telephone calls on daily basis and now selling my account information to third party ( LVNV Funding LLC ) to collect I debt on the Visa-XXXX credit card in question that I had been paying on time for the past year is erroneous. I have worked hard to keep my credit report in good standing and now this company has taken despicable, desperate action to tarnished my credit score/report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not good.I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have attempted to UN-Freeze my credit report in order to apply for my mortgage. 

Experian is the only bureau that I souls not complete this with. Experians system has locked me out and I can not access my account to unfreeze it. I have called more than 10 numbers with no help. I have mailed in the forms required to Un-Freeze my credit and it is still not working. 

Experian has no way available to reach a human via phone or email to resolve this problem. 

I need experian to UN-FREEZE my credit or I will lose the house.

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 2020-05-05 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:
Equifax ; XXXX  and XXXX  should not be reporting a collection in the amount of {$11000.00} on the CHILDSUPPORT partial account number XXXX. ( Please see page attached from my credit report. ) Payments are automatically being deducted bi-monthly. I have attached ( 3 ) documents the first document is an accounting from the Florida Department of Revenue from XXXX to XXXX showing every bi-monthly payment that has been made and continues to be made to date. The second document attached is from the US Department of Treasury showing a payment of {$4100.00} made on XXXX and a payment of {$420.00} on XXXX. These are additional payments that had been made as well. The third document is showing the additional payments that are being made in arrears. The current balance reporting is incorrect in addition, because payments are being made, the coding of this line item needs to be changed to a XXXX and should not be reporting as a collection. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful. XXXX anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 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: AR

Complaint narrative:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report.

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 2020-05-05 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: AR

Complaint narrative:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report.

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 2020-05-05 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: GA

Complaint narrative:
Due to COVID-19 I have been in a monetary trench. I have been doing what I can to improve my credit with the goal that I can approach more assets. I am having extraordinary trouble reaching Experian and attempting to address certain data on my credit report. Experian has extremely poor correspondence, I didn't receive any updates, nor are they approving the data I am contesting. Because of the disregard of the credit agencies I have not been able to push ahead to calm a portion of the budgetary weight I've suffered during the recent months. I mailed correspondence on XX/XX/2020 and XX/XX/2020. I sent the letters that are attached and gotten no response. I would like to have these matters investigated and removed 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 2020-05-05 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: AR

Complaint narrative:
While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX  XXXX to check the reason I was denied and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report.

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 2020-05-05 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: AR

Complaint narrative:
While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX  XXXX to check the reason I was denied and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report.

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 2020-05-05 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: FL

Complaint narrative:
XXXX  ; XXXX  and Transunion should not be reporting a collection in the amount of {$11000.00} on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) Payments are automatically being deducted bi-monthly. I have attached ( 3 ) documents the first document is an accounting from the Florida  Department of Revenue from XXXX to XXXX showing every bi-monthly payment that has been made and continues to be made to date. The second document attached is from the US Department of Treasury showing a payment of {$4100.00} made on XXXX and a payment of {$420.00} on XXXX. These are additional payments that had been made as well. The third document is showing the additional payments that are being made in arrears. The current balance reporting is incorrect in addition, because payments are being made, the coding of this line item needs to be changed to a 01 and should not be reporting as a collection. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful. XXXX anymore.

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 2020-05-05 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: FL

Complaint narrative:
XXXX  ; Experian and XXXX  should not be reporting a collection in the amount of {$11000.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) Payments are automatically being deducted bi-monthly. I have attached ( 3 ) documents the first document is an accounting from the Florida Department of Revenue from XXXX to XXXX showing every bi-monthly payment that has been made and continues to be made to date. The second document attached is from the US Department of Treasury showing a payment of {$4100.00} made on XXXX and a payment of {$420.00} on XXXX. These are additional payments that had been made as well. The third document is showing the additional payments that are being made in arrears. The current balance reporting is incorrect in addition, because payments are being made, the coding of this line item needs to be changed to a 01 and should not be reporting as a collection. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful. XXXX anymore.

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