vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2020 I received an email from Capital One stating that my account was two months past due. My account was set to autopay so I immediately called them. I was told that the auto pay was set to a specific amount not to the minimum payment and that recent activity had made the minimum payment greater than the amount it was set to pay. I made the make up payment on the phone and then changed the monthly payment type to the minimum payment so it would not happen again. My credit report was flagged as a non payment even though I had been making payments on time all along. I was never notified that there was a problem with the amount of the payment which would have allowed me to correct the problem before it affected my credit. Upon review of my statements I found that for three months I was assessed a late fee but again no  notice that there was an issue. On XX/XX/2020 I mailed a letter to Capital One disputing the late payment status. I never received a response. On XX/XX/2020 I filed a dispute with TransUnion to which I did receive a letter from Capital One asking for an explanation and a copy of my credit report. I mailed the requested information but never received any response from Capital One. On XX/XX/2020 I filed a dispute with XXXX  stating the same facts as I have here. I never received any response from Capital One. On XX/XX/2020 I again filed a dispute with XXXX   stating that I had never received a response from Capital One. As of today XX/XX/2020 both XXXX  and XXXX  show that my dispute has been completed but Capital One has done absolutely nothing to resolve this outside of the letter requesting more information that they in turn did nothing with. As of today the account is paid in full and I just want that misreported mark for non payment removed from my credit report. I feel that Capital One policy has no interest whatsoever in protecting the consumer or they would have notified me that there was a problem when I still had time to fix it. Instead, they just made money off of late fees with absolutely no notice whatsoever and they refuse to respond to my requests for assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 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:
I MAILED MY DISPUTES BY CERTIFIED MAIL TO THE CREDIT BUREAUS ON XX/XX/2020 AND I GOT A NOTIFICATION THAT IT WAS RECEIVED ON XX/XX/2020. I CALLED TRANSUNION THIS MORNING AND THEY CLAIM THEY NEVER GOT ANYTHING.

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 2020-10-19 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: CA

Complaint narrative:
I MAILED MY DISPUTES BY CERTIFIED MAIL TO THE CREDIT BUREAUS ON XX/XX/2020 AND I GOT A NOTIFICATION THAT IT WAS RECEIVED ON XX/XX/2020. I CALLED TRANSUNION THIS MORNING AND THEY CLAIM THEY NEVER GOT ANYTHING.

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 2020-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I recently have sent letters over 60 Days ago to this Bureau and they are disregarding a regular consumer disputes. Im stressed and have been sending letters before this and still no response.

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 2020-10-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
About two months ago I checked my credit and noticed some accounts that had misinformation and other accounts that werent mine to begin with. I mailed dispute letters to the credit bureaus to get the investigation started XX/XX/2020. It has been over a month and I have not received a response to the dispute letters.

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 2020-10-19 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:
About two months ago I checked my credit and noticed some accounts that had misinformation and other accounts that werent mine to begin with. I mailed dispute letters to the credit bureaus to get the  investigation started XX/XX/2020. It has been over a month and I have not received a response to the dispute letters.

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 2020-10-19 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I tried to dispute my report from XXXX  and it would not let me submit. They have incorrect information on my report that negatively affects my credit history that are over7 years old.

Also, the same issue with TransUnion XXXXXXXX

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 2020-10-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: TX

Complaint narrative:
This issue has been ongoing since XX/XX/2020 With U.S. Bank. ( there is no US Bank in my state and the two ATMs in my town, don't take deposits. ) I will just skip to the issue : I am trying to mobile deposit a larger amount than normal. ( but my balance is lower than normal as well ) I keep calling and trying to get that changed even if for the one time since I now know that limit and they keep sending me denial letters stating that " Your previous deposit history does not indicate you would need increased limits ''. 

I had no idea that there was indeed a limit to deposit not to exceed {$3000.00} ( {$6000.00} a week ) I can not cut a check in half. 

My balance is now dangerously low, like hopefully make it through this month low. 
I have told them to look at my balance, I need to deposit this immediately but that doesn't seem to make a difference. 

They are going to force me to get another bank and have to change all my automatic deposits and withdrawals.I move around a bit and was trying to establish a relationship with a bank we liked. All because they don't want to take my money. 
I have too much going on in my life right now to be dealing with all this and/or going to a new bank and transferring everything.

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 2020-10-19 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:
Good Day, My name is XXXX XXXX XXXX and I am writing to complain on Equifax for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP OF WHEN EQUIFAX RECEIVED THE LETTER.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

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 2020-10-19 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JDJ Investments, INC.
State: LA

Complaint narrative:
CBS Collect is trying to collect on a debt for {$250.00} for XXXX XXXX XXXX XXXX that I am already paying through XXXX. I have tried to reach out to them to have this removed but when I call I am placed on hold and no one comes back on the line. This collection shows on my XXXX  and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Lending Club Corp
State: CA

Complaint narrative:
I applied for loan for XXXX 60 months payment. And then, covid started I applied for payment deferrals for 3 months and i talked to 2 agents saying that theres no extra interest, and i would just pay my extra payments at the of the term. And then upon checking, i saw that they increased my term for 73 months and i called them regarding about it and they said that it accumulated onto my interest when i was in my deferred payment. So where did they get my extra 13 months to pay for them when i just been in deferred payment in 3 months. I was talking to their agent earlier and she keeps saying that because of my deferred payment it went up to like that!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: CA

Complaint narrative:
I have already paid XXXX directly for this bill owed yet the collection agency - Jefferson Capital Systems is trying to bill me for the same debt. I have disputed with all three credit bureaus and this company has sent the following response and remains on my credit report : Consumer disputes this account information : Account information disputed by consumer, meets FCRA requirements Collection account Original Creditor Name XXXX XXXX Amount {$150.00} Why is the collection agency informing the credit bureaus that this debt meets FCRA requirements when I have already paid XXXX directly and this debt is not even owed?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
I checked my credit and noticed some accounts that had misinformation and other accounts that werent mine to begin with. I mailed dispute letters to the credit bureaus to get the investigation started XX/XX/2020. It has been over a month and I still have not received a response from the credit bureaus.

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 2020-10-19 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: HI

Complaint narrative:
I checked my credit and noticed some accounts that had misinformation and other accounts that werent mine to begin with. I mailed dispute letters to the credit bureaus to get the investigation started XX/XX/2020. It has been over a month and I still have not received a response from the credit bureaus.

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 2020-10-19 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: FL

Complaint narrative:
Hello, I have recently had problems with JCMCB ... JCMorgan Chase Bank concerning a purchase showing on the credit card. Please see the following : 1 ) I don't remember even applying for this credit card, unless it was by mistake.

2 ) I rec 'd the credit card even though I did not want it.

3 ) I took the card and put it in my box of unused credit cards because I did not want it.

4 ) I did not make any purchases on that card.

5 ) I rec 'd a statement in the amount of {$60.00} for the period XX/XX/XXXX - XX/XX/XXXX. I called JCMCB to discuss the problem. They were going to research.

6 ) I did not hear anything back from them.

7 ) I called again when I rec 'd the next month 's statement with late fees and interest, 8 ) I called again to talk to a manager. They would not get me a manager.

9 ) After going back and forth with JCMCB, they finally wrote off the balance and closed the account.

10 ) Now there is a mark on credit report of a late payment relating to XX/XX/2020.

11 ) This is not fair considering the balance was not mine in the first place.

12 ) I would like my credit report adjusted for this mishap so my credit score can go up.

Please take care of this asap, as I work hard to keep my credit score in good standing.

Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-19 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SinglePoint GI
State: FL

Complaint narrative:
I was initially contacted by General Revenue on or about XX/XX/2020 regarding an alleged debt. The debt allegedly derived from XXXX XXXX University and was allegedly {$2100.00}. The initial letter I received stated that the principal balance was {$1600.00} and additionally a " collection cost '' of {$420.00} was added to the principal balance bringing the total alleged debt amount to {$2100.00}. I have attempted to resolve this issue multiple times with General Revenue in the past. I have also contacted the financial aid office with XXXX XXXX University and have been told " it was not heir problem ''. When I requested validation of the alleged debt I received a letter from General Revenue containing a list of charges. The alleged debt derived from a Federal Student Loan that I never received from XXXX XXXX University and the loan was allegedly received by myself when I was not enrolled in the university. The list of charged stated that I owed a principal balance of {$1400.00} along with a " collection cost '' of {$350.00} bringing the total alleged debt to {$1700.00}. General Revenue alleged to validate a debt with a completely different principal balance and a different amount charged as their " collection cost ''. General Revenue has placed this account on my credit report without validating the debt or even the actual amount allegedly owed. The Fair Debt Collection Practices Act ( FDCPA ) specifically states that " A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. '' Falsely representing the amount of a debt is a blatant and direct violation of section 807 of the FDCPA. General Revenue falsely represented the amount allegedly owed in regards to the Principal balance.General Revenue has also added their own fees to this alleged debt in the amount of a " collection cost ''. Section 808 of the FDCPA states '' The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law '', is a violation of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
About 3 weeks ago I was studying at a coffee shop and I got up to use the restroom. During this time I got my backpack stolen. Inside my bag I had my phone, my wallet, my debit card, my ID, my journal with various passwords and pin numbers, as well as my laptop, XXXX, and books for XXXX  XXXX. After this my phone and computer were used to make XXXX of unauthorized transactions. After dealing with Wells Fargo Fraud department, being sent a letter letting me know my charges would be credited back to my account, they then sent a new letter saying that no fraud was found on the account because the devices used to pay were under my name. This is true, however once the phone and laptop were stolen, everything was hacked, my messages, accounts, numbers, It was a nightmare. I want this money refunded becauuse on top of the money I lost it has cost me like XXXX $ to replace all that was stolen from me. I hope you can help get Wells Fargo to rightfully return the funds to my account so that I can pay my rent that is now 19 days past due

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 2020-10-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have sent out a letter to Transunion about two ( 2 ) accounts on my credit report XXXX XXXX   and XXXX  XXXX XXXX. I have asked TransUnion As per Section 609 of the FCRA that I am entitled to see the source of the information, which is, a copy of the original contract that contains my signature for those 2 accounts ( XXXX XXXX and XXXX  XXXX XXXX ). I have sent out that letter on XXXX XXXX via USPS certified mail with return receipt requested. Transunion signed the receipt on XX/XX/2020. Today 's date is XXXX XXXX more than 2 months after I have sent out that letter and Transunion signed for it. I have never received the contract that contain my signature which I repeat is my right under the section 609 of the FCRA and Transunion keeps reporting those accounts ( XXXX XXXX  and XXXX XXXX XXXX ) to my credit report. I would like to notify you that the accounts have been removed on my XXXX  and XXXX  credit report. Why can't Transunion do the same? Does XXXX  XXXX XXXX pay you to keep information on people report? Is it more about a business than reporting correct information? I want a copy of the original contract that contain my signature or remove immediately those accounts from my credit report. I have attached to this statement the USPS return receipt and the copy of the original letter that I have sent to TransUnion. Please CFPB help me fix this issue. Transunion is getting money from big companies such as XXXX  XXXX XXXX to keep information of people credit report no matter what and that is a shame!

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