vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Avant Credit Corporation
State: VA

Complaint narrative:
Avant allow a person to use my information to open up an account and they are refusing to remove this fraudulent debt, even though they've acknowledged that the debt was not mine. They have yet to produce my wet signature to confirm this was my debt.

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 2020-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
Midland credit management keeps calling from different numbers but I have no debt in collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
I have received numerous calls from a phone number XXXX when call back I can't reach anyone. I received 3 calls back to back today as if it was an emergency so I answered and it was someone collecting on a debt that I new about and did not ask me to verify any information other than my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-23 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX there were multiple fraudulent charges applied to my Chase Visa card, all for XXXX. I was unaware of these charges until I reviewed my statement in late XXXX. Once I discovered these fraudulent charges I contacted Chase to report these items as fraudulent. I was informed that I would not be responsible for these charges and my account would be credited for all XXXX charges between XX/XX/XXXX and XX/XX/XXXX.Chase cancelled my previous card as requested and issued a new one.  There was in fact a credit issued to my account only to find a reversal of these credits in XXXX. Since the beginning of XX/XX/XXXX I have been attempting to resolve this matter and it is especially important now as we are in the process of purchasing a home and I need to pay off all credit card balances to benefit from the current favorable interest rates. The Chase fraud department is unavailable to answer calls so I have emailed and called on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX At times I have been placed on hold for 45 minutes or more which is taking time away from my work and thus reducing my current income. 

I am not receiving any assistance or resolution and have no choice but to file a complaint to get this resolved. This delay is significantly impacting me and family as this is delaying our loan and home purchase. 

The total charges amount to {$4000.00} plus interest applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 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: NJ

Complaint narrative:
On XX/XX/XXXX, I noticed I was a victim of identity theft because I accessed my credit reports and seen a XXXX  XXXX account that had a balance of {$380.00}. I filed the necessary identity theft report with the FTC and the XXXX XXXX Police Department. I mailed it certified mail to XXXX, Transunion and XXXX  on XX/XX/2020. Notification was sent XX/XX/2020 from Transunion that it was removed and blocked, and XX/XX/2020 XXXX  advised it was removed and blocked. As of today XX/XX/XXXX, I am noticing that the items have been reinserted without proper notifications. I did not receive any mailing from them that indicated it would be reinserted or the information that they found the account to be accurate. Under article 609, they have no signed contract verifying I had many any transaction with XXXX XXXX. On XX/XX/2020 I did apply for a XXXX XXXX XXXX XXXX card as a recommendation online from XXXX and was approved. I did provide my information then. XXXX and Transunion also continue to report inquiries on my credit report that have not been authorized by me and were included in my FTC and police report. I did not have this issue with XXXX. 

I have also reached out to XXXX XXXX requesting validation of said account on XX/XX/2020 to no response. Instead they have sent me to XXXX XXXX XXXX which is a collection company and even then they have no proof and are not reporting on my credit files. I advised them to stop calling me and harassing me over a debt that is not mine.

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 2020-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: DC

Complaint narrative:
I monitor my credit reports carefully and a collection from this company called Midwest Recovery Systems is claiming I owe them {$1000.00}. I have never heard of this company and they've reporting this debt to my credit file with the 3 major bureaus, very negatively effecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CUSTOMERS BANCORP, INC
State: GA

Complaint narrative:
My college sent my cancelled semester refund to Bank Mobile. Bank Mobile sent it to a fraud XXXX XXXX  account. I contacted Bank Mobile and completed all documents and information to prove that I donot have a XXXX XXXX  account and I did not authorize this transfer. It has been 3 weeks and Bank Mobile is now saying that it is not their fault and this is my account. I have proven everything and sent all documents and still they are refusing to correct their mistake. My parents will be suing Bank Mobile.

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 2020-04-23 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:
APPEARING ON MY TRANSUNION REPORT, XXXX ACCT.NO.XXXX, IS being wrongfully reported as the result of a XXXX dollar billing dispute with XXXX.My credit history is destroyed by this single itemXXXX in addition balance chased and charged fees that are illegal.

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 2020-04-23 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase reported a late afternoon payment for XXXX but I made a payment in XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-23 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: Netspend Corporation
State: FL

Complaint narrative:
On XX/XX/2020, I text netspend to get my account and routing information. They sent the wrong information. I had a deposit go into that account. Netspend first said the account is not mine, so I asked why didn't they reject the deposit. They said I needed an indemnity letter, I provided a deposit letter from the insurance company and they said it wasn't good enough. So I continued to ask how could they deposit my money into someone else 's account. They then said that the account has been closed for years. I then asked why didn't they send the deposit back or deposit it into my right account since they gave me the wrong information. They refused. The money was deposited on XX/XX/XXXX, and I still haven't received it and they won't send it back. 
The money is from the insurance company for my car to get fixed.

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 2020-04-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: CA

Complaint narrative:
Enhanced recovery Col was attempting to collect for XXXX which I disputed. I informed them I did not agree with the amount but they were only interested in collecting the debt. They called and bothered me excessively but ignored my disputes which I later found out was a violation of FDCPA Section 807 ( 8 ). It was impacting my ability to rent housing so I caved in to them when they promised to delete the debt if I settled it for a lump sum. I paid the debt and they did not delete it and continue to inaccurately report it even after coerced settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I currently have 3 loans with Navient for which the interest rates are outlandishly high. For one loan the rate is currently 12.75 % and the balance is {$16000.00} and for the two other loans the rate is 16 % and the balances are {$12000.00} and {$12000.00}. My wife called Navient on my behalf XX/XX/20 and was informed that I would likely be eligible for a temporary interest rate reduction and Navient advised my wife to have me ( the borrower ) call to have the rates reduced. The customer service representative agreed with my wife that the rates were very high. When I called on XX/XX/20 to inquire about a temporary interest rate reduction, I provided Navient with all of my financial information and was then told that I did not qualify for a rate reduction. When I asked why I did not qualify for a rate reduction, I was only told that I " did not qualify for a rate reduction at this time on my account. '' I was not provided with any further details or solutions. I have called Navient in the past and have received temporary interest rate reductions. I have also asked for permanent rate reductions in the past and have been told this is not an option. The company also will not allow me to refinance with them for a lower interest rate. I am having trouble understanding why a fourth loan that I have with the company has a very reasonable interest rate of 2.75 % and why I can not be offered a lower, more reasonable interest rate on the three aforementioned loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 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: DISCOVER BANK
State: MD

Complaint narrative:
I have a discover card. Around XX/XX/20 my account was closed for no reason. I called, they said, I need to sign off authorization to get my taxes file for the last two years. Which I did right away on the same date. Is almost two months my credit card is still closed without any reasonable thought while my account is closed. Please while did they chose around corona virus to abuse me like this? When I needed the card the most they took it from me causing me a lot of emotional pain

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 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: NJ

Complaint narrative:
On XX/XX/XXXX, I noticed I was a victim of identity theft because I accessed my credit reports and seen a Capital One account that had a balance of {$380.00}. I filed the necessary identity theft report with the XXXX and the XXXX XXXX Police Department. I mailed it certified mail to XXXX, XXXX and XXXX on XX/XX/2020. Notification was sent XX/XX/2020 from XXXX that it was removed and blocked, and XX/XX/2020 XXXX advised it was removed and blocked. As of today XX/XX/XXXX, I am noticing that the items have been reinserted without proper notifications. I did not receive any mailing from them that indicated it would be reinserted or the information that they found the account to be accurate. Under article 609, they have no signed contract verifying I had many any transaction with Capital One. On XX/XX/2020 I did apply for a Capital One Quick Silver card as a recommendation online from XXXX and was approved. I did provide my information then. XXXX and XXXX also continue to report inquiries on my credit report that have not been authorized by me and were included in my XXXX and police report. I did not have this issue with XXXX 

I have also reached out to Capital One requesting validation of said account on XX/XX/2020 to no response. Instead they have sent me to XXXX XXXX XXXX which is a collection company and even then they have no proof and are not reporting on my credit files. I advised them to stop calling me and harassing me over a debt that is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-23 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: NJ

Complaint narrative:
On XX/XX/XXXX, I noticed I was a victim of identity theft because I accessed my credit reports and seen a Capital One account that had a balance of {$380.00}. I filed the necessary identity theft report with the XXXX and the XXXX XXXX Police Department. I mailed it certified mail to Experian, XXXX  and XXXX on XX/XX/2020. Notification was sent XX/XX/2020 from XXXX that it was removed and blocked, and XX/XX/2020 Experian advised it was removed and blocked. As of today XX/XX/XXXX, I am noticing that the items have been reinserted without proper notifications. I did not receive any mailing from them that indicated it would be reinserted or the information that they found the account to be accurate. Under article 609, they have no signed contract verifying I had many any transaction with Capital One.  On XX/XX/2020 I did apply for a Capital One Quick Silver card as a recommendation online from Experian and was approved. I did provide my information then. Experian and XXXX also continue to report inquiries on my credit report that have not been authorized by me and were included in my XXXX and police report. I did not have this issue with XXXX 

I have also reached out to Capital One requesting validation of said account on XX/XX/2020 to no response. Instead they have sent me to XXXX XXXX XXXX which is a collection company and even then they have no proof and are not reporting on my credit files. I advised them to stop calling me and harassing me over a debt that is not mine.

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 2020-04-23 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: GA

Complaint narrative:
On XX/XX/2020 Experian claimed that they did a reinvestigation for my XXXX student loan and show the balance as {$1100.00} .Experian is commiting fraud they could not have actually performed a investigation because I have a screen shot proof that the balance was XXXX at the time that I filed my dispute.Experian continues to claim that they are performing a investigation and they are not actually completing a investigation on my disputes.

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 2020-04-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
My fiance and i purchased a used vehicle from XXXX XXXX back in XX/XX/XXXX for about XXXX. We went to the dealership on numerous occasions in attempts to get our plates and care registered this was included in our retail installment contract. Every time they just gave us more temp plates. We then discovered the dealership was laundering money and went out of business. WE contacted out lender who is BBVA and they instructed us to file complaint with DMV. WE did that and it was completed around XXXX but still nothing was done the DMV told us to reach out to BBVA. I have contacted BBVA about 10 times since XXXX of XXXX trying to get the year long issue resolved and they just give me the run around. I have spoken to managers and lower level employee who all tell me they will open a ticket and call me back but never call me bacfk and ticket is closed before it is resolved. One customer service rep told meon XX/XX/XXXX that they basically could not do anything BBVA was not at fault and that i should get a lawyer and sue the dealership that is not longer in business. I have been making payments on this vehicle for over a year and they do not have a legal binding title and refuse to help me get the title from previous lender of vehicle so i can register my vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 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:
APPEARING ON MY EQUIFAX CREDIT REPORT, XXXX XXXX, IS being wrongfully reported as the result of a 20 dollar billing dispute with XXXX.My credit history is destroyed by this single item.XXXX in addition, balance chased and charged fees that were illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Credit Management, Inc
State: AR

Complaint narrative:
ONCE AGAIN COLLECTOR RE-APPEARED ON MY CREDIT REPORT IN VIOLATION OF THE DODD FRANK ACT. AND WILL BE SUING THEM IN CLASS ACTION LITIGATION. VALIDATION IS REQUIRED ALWAYS ESPECIALLY ON RECYCLED.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 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: TX

Complaint narrative:
Tried multiple times to have a consumer statement deleted on my Equifax consumer report. I have disputed ( requested for statement to be deleted ) several time via the automated system on MyEquifax and I have also spoken with several representatives however the consumer statement still exists. I have tried to get this consumer statement deleted since XXXX of 2019 however my attempts have been unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 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: IL

Complaint narrative:
I contacted TransUnion with correct account balances for my auto account they still put back the incorrect information after showing proof of the situation was not 100 % accurate?

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 2020-04-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Today is XX/XX/2020. I am trying to get a credit freeze lifted. I was locked out of the TransUnion online system saying is could not verify my identity. I tried multiple telephone numbers found online. The number for TransUnion that was supposed to deal with identity verification answered with a voice response system and transferred me to nothing and hung up. I then went to a selection for lifting the credit freeze several times. I have been on hold for over two hours. This is ridiculous for a customer service organization. Very frustrating! I'm still holding hoping a live human being will eventually answer the phone.

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