vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Although I am not to be on the paperwork for this loan at all, XXXX XXXX  is reporting that an account which was charged off on XX/XX/XXXX is a new charge off as of XX/XX/XXXX. This is impacting my credit although I had begun recovering from the original charge off from someone elses vehicle loan. This account needs to either be removed from my credit ( as it should have already been ) or have the account updated back to the original charge off date of XX/XX/XXXX so as to correct my credit scores with Experian and XXXX. This is against FCRA to alter the charge off date from the original charge off date over a year later.

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 2021-01-30 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I filed a dispute because a merchant continued to debit my Bank of America prepaid debit card. Soon, after filing these disputes, Bank of America pre paid card services froze/closed my account. That created a hardship because that is where the unemployment development department disburses my unemployment income. Now, those funds are inaccessible to me and critical because that is my lifeline for survival.

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 2021-01-30 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
Bought American Express Serve card put XXXX on it this was XXXX after which call card and reported it stolen and told them not to process any claims was told at that time there was XXXX on it today I check it and it is XXXX balance after I told them it was stole

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I noticed inquiries on my credit report that I did not authorized and have notified XXXX, XXXX  and TransUnion that the inquiries were not initiated by me. The inquiries are still showing on my report at this time. The misuse and/or misreporting of my credit report goes against FCRA.

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 2021-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I noticed inquiries on my credit report that I did not authorized and have notified XXXX, Equifax and XXXX that the inquiries were not initiated by me. The inquiries are still showing on my report at this time. The misuse and/or misreporting of my credit report goes against FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30 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: CA

Complaint narrative:
Dear Sir or Madam, I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MI

Complaint narrative:
To date Mr. Cooper continues to misapply payments and will not correct their errors. The account continues to be monkeyed with and is subject to several " Oops '' from Mr. Cooper. I have a folder with over 100 errors that are in banking violation. 

I have tried getting them to fix things and I keep getting the runaround. This should not be happening with a financial institution. 

I am incurring additional interest and damages because of these " ERRORS ''. Any additional funds that are showing on the account were designated to be applied to principal. These " UNAPPLIED '' errors are dating back to XXXX. 

Creative accounting and fluctuating practices, escrow supposedly increased with the XX/XX/XXXX payment, that entire area is in violation evidenced by how they applied the payments and reported them..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Partners, LLC
State: TX

Complaint narrative:
I found on my credit report that I had been filed against from my doctors office. I was never aware of any balance my insurance always took care of everything over my copay. If there was any bill that I needed to pay, why was this not collected at the time of my appointment. Why was I not informed that my insurance wouldnt be covering it anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30 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: DISCOVER BANK
State: TX

Complaint narrative:
A few days ago some bills did not go through so I logged into my account to see what was wrong and was greeted by a number to call. The people on the phone claimed it was a periodic review being done for many accounts due to all of the fraud taking place recently. He explained that a form would be sent to my email on file that needed to be filled in order to fix my account which will take approximately 5-7 days after the form is filled. 

I filled the from reluctantly, and seen that it was asking for all my IRS records from XXXX  of all people ( whom was recently breached giving out over 145 million people 's full life information mind you ) in which I took care of it knowing I could legally request the information deleted after verification. My information was verified through the system and early this morning I logged into my account to pay off the balance as usual but seen no available balance, only what was due. I contacted a representative and they informed me that my account had been closed. 

Keep in mind I've had this account since XX/XX/2014 and have NEVER been late, always paid off the balance monthly, etc. You can not find one single issue with my account, but they said they could not verify my information? XXXX? But yet they've been accepting payments from me for 7 years. 

Outside of this they offered me to reapply, so basically they are destroying my credit profile for having a 7 year old account which is about to drop my credit score drastically due to the age average since I never really used many credit cards other than this one, all for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30 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: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
I opened a car loan with Ally Financial in 2018. Less than 6 months later the vehicle was totaled in an accident. The accident was immediately reported to the authorities and my insurance company. The next business day, it was also reported by me to the bank. I was told after I was placed in collections that the full balance of the loan would be fulfilled with the GAP insurance coverage. This was not the case. I have attempted for the last 2 years to have this account rectified. It is being reported as a charge of for the full amount of the loan, over {$15000.00} and GAP only covered about 50 % rather than the full 100 % as I was told by Ally. Suddenly Ally has no record of this account either in the service end or the charge off department. Nobody can explain to me why theres no record of this account yet its showing as a charge off with half of the balance having been paid. Its also not reflecting the payments that were made in the few months prior to the accident. I cant get this issue resolved because Ally has no record of the account, so how is it being reported to the bureaus? I was told after GAP pays out, it would be CLOSED with a {$0.00} balance. Ally representatives were very misleading! Unfortunately this is not the only horror story with Ally, they should not be operational.

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 2021-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent in a follow up to my original 609 letter dated XX/XX/2020 regarding an inaccuracy in your credit reporting. This was done on XX/XX/2020 Specifically, as it relates to credit inquiries that I did not authorize, made by the following companies : invalid and inaccurate Inquiries : XXXX ran an unauthorized credit inquiry on me on XX/XX/2020. 

XXXX XXXX XXXX ran an unauthorized credit inquiry on me on XX/XX/2020. 

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
I sent a letter requesting that you reinvestigate or delete disputed items from my credit report as well as place temporarily remove these items from my report during the investigation period. As of this date, you have failed to respond to my request. A copy of my original letter is attached for your review. 
The law stipulates that you must investigate within 30 days of receiving my letter and respond within 5 days of completing your investigation. You have not followed the stipulations of the law. 
I have suffered damages because I need to rely on an accurate and complete statement of my credit record and demand that you remove the disputed items from my report immediately as you failed to comply with the law. I have contacted the Federal Trade Commission and advise them of your companys blatant disregard for consumer protection laws. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : I have enclosed documented proof that you did not respond in time. Please see the attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30 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: CA

Complaint narrative:
Dear Sir or Madam, I am a victim of identity theft.

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 2021-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I filed a compliant with the CFPB regarding Synchrony Bank years ago and due to reasons such as my situaion and what the process server did to me - Corp Office Synchrony XXXX said Synchrony Bank was dismissing the court case and not going after me for the money and I have a listing of the cae dismissed in XXXX in court. You have reocrd of this at CFPB. I now live at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA. XXXX The post office gave me the letter in my mail box despite my old address XXXX XXXX XXXX XXXX XXXX XXXX, CA. XXXX I resided in XXXX XXXXXXXX, CA. 18 years and move to XXXX XXXX Hud filed complaints against owenr it did not work out after owner signed mediation agreement. I was ripped off by two attonrey and had no place to move to and live. It took me a year to find this place. I am XXXX and XXXX. I do not need this. I was told it would be on my credit report for a few years and I would not have to pay any taxes and the case was dropped. Now, XXXX XX/XX/XXXX I receive a 1009-c for Irs. I am idigent and was cheated out of social security that I worked and paid into and still suffer with poverty SSI XXXX. I do no file taxes. This appears to be intentional harassment as I have report isseus to the OIG of what I have been put through. It was XXXX at Synchrony Corp. I paid for years they made a bundle in internest and they made the choice to dismiss the matter as I described. Can you please help me. This is upsetting me and making my entire situation worse health also. 
Thank you, 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 2021-01-30 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: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
I previously opened a Target Red credit Card Account with Target in 2012, I paid off my Target Red credit card account ending in XXXX, Target Bill my account {$650.00} in fraudulent late fees. 

Furthermore Target used unfair and deceptive business practices. I have disputed the billing issues numerous times on XXXX and Target responses to XXXX  were The information is correct : default

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Was offered a {$400.00} bonus for opening a checking account with them and completing two direct deposits before XX/XX/ 2021 and receive it ( as long as you don't close your account amongst other requirements ). I somehow became a victim of identity fraud ( second or third time now in my life, I lose count ) and instead of helping me with my issue, they close my account and told me that I would not be receiving the incentive in which I completed to satisfaction. I was recently laid off and became XXXX XXXX within 2 days, XXXX  my family ( wife and XXXX small children XXXX and XXXX ) .That additional money, even though coming next Month, XX/XX/2021, according to the small print, would be so helpful for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I previously opened a XXXX XXXX credit Card Account with XXXX  in 2012, I paid off my XXXX XXXX credit card account ending in XXXX, XXXX  Bill my account {$650.00} in fraudulent late fees. 

Furthermore XXXX  used unfair and deceptive business practices. I have disputed the billing issues numerous times on Experian and XXXX  responses to Experian were The information is correct : default

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 2021-01-30 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: VI

Complaint narrative:
I had a loan with XXXX XXXX, XXXX XXXX which was opened on XXXX of XX/XX/XXXX and closed on XXXX. I had written the bank a letter as I was instructed to do by a bank officer, informing them that I was going to be admitted to the hospital in XXXX thru XXXX of XXXX to begin a operation on XXXX XXXX then the second one will be done on may thru XXXX of XXXX. I felt that the bank would had honored their commitment since that they were informed in writing but to my surprise I was sadly mistaken that the missed payments show up on my credit report for the times that I was hospitalized. I have been asking the bank to be responsible and correct the mistake or have it remove from my credit report altogether but instead they removed the account with the perfect payment history and left the derivative one that they should have fixed. I am very sad and heartbroken that a banking institution of this magnitude would not do what is right. I am hereby asking the bank to correct its mistake so that I can move forward.

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 2021-01-30 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: EQUIFAX, INC.
State: VI

Complaint narrative:
I had a loan with XXXX XXXX, XXXX XXXX which was opened on XXXX of XX/XX/XXXX and closed on XXXX. I had written the bank a letter as I was instructed to do by a bank officer, informing them that I was going to be admitted to the hospital in XXXX thru XXXX of XXXX to begin a operation on XXXX XXXX then the second one will be done on may thru XXXX of XXXX. I felt that the bank would had honored their commitment since that they were informed in writing but to my surprise I was sadly mistaken that the missed payments show up on my credit report for the times that I was hospitalized. I have been asking the bank to be responsible and correct the mistake or have it remove from my credit report altogether but instead they removed the account with the perfect payment history and left the derivative one that they should have fixed. I am very sad and heartbroken that a banking institution of this magnitude would not do what is right. I am hereby asking the bank to correct its mistake so that I can move forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30 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: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
In 2018, Portfolio Recovery, took, me to XXXX XXXX County General District Court, to seek redress in this issue, however fail to produce the necessary Bill of Particular Items. 
They were as followed Date and Amount Account was purchased for Proof from XXXX  XXXX that sale of this account was given to your company Portfolio had already place this on my Credit Report and refused to remove it. Furthermore, I've had my present XXXX XXXX Credit Card Account for the past 2 1/2 years, and it as remained in good standings. 
These tactics of using people 's credit to make them pay a debt, that they can't even prove they are owed, and which has damaged my credit report by 56 points, is nothing more than malicious and vindictive.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Accounts, LLC
State: IN

Complaint narrative:
Appeared in court with XXXX XXXX, for an eviction/ending lease. The judgement was ruled at {$980.00} on XX/XX/20. I paid amount in full as soon as I had the money and by the due date on XX/XX/20 and was posted on XX/XX/20. XXXX XXXX proceeded to send my debt to collections agency XXXX XXXX XXXX for {$2100.00}. When notified the collection agency I told them it was paid. They called XXXX whom proceeded to tell them it was not paid, they had the correct amount, and to report delinquency to the credit bureaus. I now have derogatory marks and a false amount on my credit accounts due to this. I called XXXX to settle this dispute and they just responded that they did see I paid. I would like both this erased from my credit all together.

Company response to consumer: Closed with explanation