vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-18 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: MD

Complaint narrative:
A few months ago, I downloaded some credit monitoring apps on my phone and I saw many things that were alarming. I had to addresses associated with me that were never my addresses in Alabama. Ive only lived in Maryland since entering this country. I also saw that there was a student loan from citizens bank under my profile and I havent gone to school in this country ever. I immediately disputed it and Experian returned and said that I co-signed for a student loan for a person by the name of XXXX XXXX. Although the account reported current, it wasnt mine so I disputed it. The did not remove it. Upon my own research, the two addresses in Alabama were associated with this man ( XXXX search ). Now the account has increased and shows out of deferment. Im terrified this account will ruin my report. Its not accurate. The addresses were removed but not the account. I filed a police report for identity theft and the report number is XXXX for XXXX XXXX county Police Dept officer 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 non-monetary relief
Consumer complaint received 2021-08-18 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: General Motors Financial Company, Inc.
State: IL

Complaint narrative:
I paid my account within the 30 day timeframe GM is reporting late saying payment made after 30days. Ive paid on the 30th day before and wasnt reported late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
Without warning or reason, PayPal suspended my account thereby withholding {$170.00} and preventing me from receiving numerous payments. I have not received any complaint against me nor have I filed any complaints with PayPal. I called PayPal yesterday and spoke to an agent who transferred me to another agent but then PayPal provided an automated message instructing me to email them before disconnecting. I emailed PayPal and merely received an automated message.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I have been a loyal customer to Chase Bank for many years and today I was a victim of security fraud and a victim of a scam that I immediately called about and told my bank what happened and they told me that they couldnt do anything because I accessed my account and initiated the payment through XXXX. I completely understand that it was a bad judgment on my end however a victim usually doesnt know they are being taken for by someone who claims they are trying to help until its too late. I stated that I was a victim of a scam and that I would like assistance with helping me get the funds I lost which is used to pay our mortgage and for our family to survive. Im not running any scam or trying to commit fraud, Im the victim! For my bank to basically tell me oh well too bad Im absolutely devastated and feel so helpless and feel like I have no support from the company I have trusted for so long. Im already broken and sick from the fact this happened to me, to have the company I look to for trust turn their back just feels like another dagger in my chest.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Va cars in XXXX Va pulled my credit report through capital one without my permission. I went to their establishment XXXX when they mailed me and kept calling me about being pre approved by capital one for an auto loan. I went there and literally only gave my name stepped out on the lot did not like what I saw and said thanks and left. About 2 hours or so later They called i did not answer they left a voicemail then I got a notification that there was an inquiry on my credit by capital one auto finance. I never authorized this. Never told them I was going to get a car. Never picked one never looked at one other than across the lot.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX Date of inquiry : XX/XX/2019 This is not mine. 

2. Identity Theft CAPITAL ONE BANK USA N Account Number : XXXX This is not mine.

3. Identity Theft CAPITAL ONE BANK USA N Account Number : XXXX This is not mine. 

4. Identity Theft XXXXXXXX XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 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: EQUIFAX, INC.
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
I was informed via mail my account was closed, due to fraud. I am unaware what the fraud is ... I was contacted by XXXX XXXX services acct ending XXXX via USPS. If I am under investigation for fraud it would be essential that I know this I have not filed a report but I did request for a credit freeze. 

I need to know the details of the fraud so I may rectify it. Otherwise Why have my card been canceled without my authorization

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
I mailed a letter 8 weeks ago to let the know i have never had a XXXX account.

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 2021-08-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Millco Management
State: FL

Complaint narrative:
I have been writing letters since XX/XX/2021 and I didnt receive any information to verify the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 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: AES/PHEAA
State: NY

Complaint narrative:
Portion of my FedLoan has been forgiven. But, the loan balance is overstated on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 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: SECURITY FINANCE CORP
State: OK

Complaint narrative:
I recently reviewed my credit report provided by your organization, and I was shocked to find several inconsistencies that are damaging my good name. I expect this letter to promptly resolve the pointed data which is reported inaccurate. I am aware your job is to maintain accurate records of all my credit accounts. I have submitted letters to XXXX, XXXX, and XXXX on XX/XX/XXXX and XX/XX/XXXX stating the inaccuracies on my credit report. 

Account Name : Security Finance Account Number : XXXX 1. A collection is by default late and past due. Remove above mentioned accounts from my credit report due to reporting past due and for inaccuracy. After you have finished my request, please send me a copy of my credit report reflecting these changes.

2. The date of last activity you are reporting for the below accounts dont match. 


The FCRA and Regulation V generally require a furnisher to conduct a reasonable investigation of a dispute submitted directly to a furnisher by a consumer concerning the accuracy of any information contained in a consumer report. Please see attached proof.

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 2021-08-18 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIZENS FINANCIAL GROUP, INC.
State: MD

Complaint narrative:
A few months ago, I downloaded some credit monitoring apps on my phone and I saw many things that were alarming. I had to addresses associated with me that were never my addresses in Alabama. Ive only lived in Maryland since entering this country. I also saw that there was a student loan from citizens bank under my profile and I havent gone to school in this country ever. I immediately disputed it and XXXX  returned and said that I co-signed for a student loan for a person by the name of XXXX XXXX. Although the account reported current, it wasnt mine so I disputed it. The did not remove it. Upon my own research, the two addresses in Alabama were associated with this man ( XXXX search ). Now the account has increased and shows out of deferment. Im terrified this account will ruin my report. Its not accurate. The addresses were removed but not the account. I filed a police report for identity theft and the report number is XXXX for XXXX XXXX county Police Dept officer XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 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: NY

Complaint narrative:
Portion of my XXXX has been forgiven. But, the loan balance is overstated on my credit 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 2021-08-18 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: NY

Complaint narrative:
Portion of my XXXX has been forgiven. But, the loan balance is overstated on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 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: NY

Complaint narrative:
Portion of my XXXX has been forgiven. But, the loan balance is overstated on my credit 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 2021-08-18 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.

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 2021-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I made a purchase from a fraudulent company called XXXX XXXX  on the web site XXXX in the amount of {$14000.00} and on XX/XX/XXXX I filed a dispute against the purchase with Capital One the credit card company I had used to make the purchase. It has been a month with no resolution from them or information about my case and I have submitted several documents proving I did not receive the products I purchased to this very day. When I made the purchase from XXXX I was given a tracking number for XXXX. After waiting several weeks and contacting the company several times, XXXX had repeatedly told me that my items would be delivered the " next day. '' When this never happened I reach out to XXXX over the phone and they informed me that the information that XXXX had provided was incorrect but they could not provide any further details. Eventually the tracking number I was given by XXXX  had been delivered to an address in Washington and I am in California. Nor do I have any connections to anyone in Washington. I called Capital One on XX/XX/XXXX to ask for additional information and status on my refund and they could not provide me with any information after an hour and seventeen minute phone call. I called Capital One back on XX/XX/XXXX and they refuse to refund me the {$14000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Dynamic Recovery Solutions, LLC
State: TN

Complaint narrative:
This debtor has previously been told that this is not a valid debt. It was previously listed on my credit report as " XXXX XXXX XXXX '' or " DRS ''. These are medical debts that have previously been removed from my report and marked as identity theft -- The original creditor, " XXXX XXXX XXXX XXXX XXXX '', was informed and subsequently removed the accounts from my report. However, the debt was sold ( again XXXX and now the new debt collection agency ( DRS ) listed the items on the credit report. When attempting to dispute the items Equifax correctly removed the debts, as did Transunion and Experian. In my dispute I CLEARLY asked for proof of debt as per section 609 of the Fair Credit Reporting Act-a creditor or collector must provide you with a copy of the original, signed consumer contract, sales agreement, or other initiating documentation XXXX financial responsibility agreement for medical bills ) once it is demanded by a consumer. Not only did XXXX not provide this documentation -- they put this information back on my credit report a second time. They are also still sending me collection letters. 

This is also a potential HIPAA violation. Providing requested documentation would be a direct HIPAA violation- as it would disclose medical diagnoses and test performed to whomever the actual owner is! This is NOT my debt. I have exhausted all means necessary to stop collections. The company still sends me letters and calls, even after it was removed from the credit reporting agencies and identify theft documentation was provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-18 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Santander Consumer USA Holdings Inc.
State: AZ

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
account XXXX XXXX {$350.00} and {$540.00}. I only had one account and it was paid off.

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 2021-08-18 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.

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 2021-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
The requested was to complete a research paper the requirements were given accordingly. 
1- deadline was not met 2-Attempted to rectify with merchant via asking to speak with a manager.

3 research did not coincide with subject matter.

4 Verified deadline not met therefore whatever was submitted it needed to be correct therefore it would be no need for submission One minute past the deadline is late let alone 3 hours as shown. The bank stating that services were rendered but if I cant use the services AND IT WAS NOT COINCIDING WITH REQUIREMENTS. I tried to speak with the manager and left several messages. I was even told it would refunded but it was not. Yet here I am still trying to get my money back when it is part of their policy. yet their actions do not fulfill my monies in my account nor did it help by submitting the documents late.

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 2021-08-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
I attempted to open an account with Citizens Bank, which had a potential bonus offer of up to {$400.00} ( {$300.00} for deposits of {$500.00} or more and {$100.00} for debit card transactions ). Citizens Bank rejected my application, providing an email, claiming that it was based on my credit report. However, no specific explanation was provided. My credit score is one of the highest in the United States at XXXX, according to XXXX. This appears to be some error or discrimination from Citizens Bank. It's a shame, I have a large amount of money that I was considering depositing.

Company response to consumer: Closed with explanation