vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-06 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: FL

Complaint narrative:
On XX/XX/XXXX, I made a request to block my credit card from Capital One and my credit card number was changed. I was outside of the United States so I called the credit card company to see if there was any way for me to use the credit card account before the card was mailed to my US address. After a lengthy conversation, the company representative notified me that I would have to wait for the credit card to be mailed to my US address so that I can confirm the card information. Now, after two weeks, I called back to question whether the card was shipped since I have had family check my mail to find the credit card. Upon calling them, they notified me that they did indeed change my credit card number on the account but did not mail my credit card. I believe this to be an unfair business practice ; to change my credit card number AUTOMATICALLY and then not send me my new credit card in a timely manner EVEN after a call to the company to make sure the card would be available to me as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06 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: TX

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am 30 days past due on XXXX - partial account number XXXX. ( Please see pages 4 and 5 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is 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 2019-05-06 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: FL

Complaint narrative:
XXXX XXXX XXXX HAS PUT A COLLECTION ON MY CREDIT REPORTS THAT I PAID IN FULL PAID XXXX XXXX XXXX PAID THIS DEBT IN FULL TO XXXX XXXX. XXXX XXXX XXXX SAID IT WAS CHARGED OFF AND I DON'T KNOW THE DIFFERENCE BETWEEN CHARGED OFF AND PAID IN FULL I AM NOT XXXX I KNOW THE DIFFERENCE BETWEEN CHARGED OFF AND PAID IN FULL. I PAID THIS DEBT OUT OF MY HARD EARNED MONEY IN FULL HAVE TALKED TO A LAWYER AND THE POLICE THE THEY SAID THIS IS MOST LIKELY A SCAM

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
A company called XXXX XXXX contacted me ys from today XX/XX/2019, claiming they could resolve my past credit card accounts issues with my debts and they can lower it to 0 % interest. I told him that someone called me already from the same company offering me this deal and I turn it down a few months back in XX/XX/2019. He replied I could help you reduce all your credit card. I told him no several times on the phone but he was very persistent in helping me. He asked if I can give just 4 the last number of every card has a high balance. I went and gave him what was requested and he gave me the correct amount on each statement. I then asked him you can really remove all this and give me 0 %. He replied all will be wiped out and we will send you a credit card with 0 % and pay off your balance. I asked what was the catch on this only one-time fee to the bank that will send me a new card of {$1500.00}. Well, I said okay and what's next step he replied a verification process and a confirmation for the fee will be given after all done. Well, he called the verification department and I was transferred to a XXXX XXXX, who asked me to repeat my information given to the first representative. I gave her my name, address where to send information and credit card, also my cell and repeat total balance which was {$7400.00} not including the fees of {$1500.00} = {$9000.00} total to be paid and {$120.00} fees to bank for processing this. = {$9200.00}. She said will be giving me a confirmation which she provided afterward ( XXXX ) and that together this amount will be charged one time to a credit card on the file ending in XXXX which belongs my own bank called Compass Bank. I was asked for the bank contact to debiting this fee. I gave her my bank but security seen it as fraud and contacted me on my other line and asked not to do this. I asked the person at my bank why and she said this isn't real and they could be later. I let Mrs. XXXX know to stop all and then was pass to a XXXX who was using verbally profanity because I refused to do this. I asked him to stop all and that I decided not to go with it. He refuses to listen and hung up on me. A few days later I was charged {$4100.00} to my XXXX card which I had to pay. I called the XXXX XXXX XXXX XXXX and had a deputy come and visit me and was provided a case # XXXX. I believe this company needs to be called on there not only unprofessional and lied and deceive others. I believe they need to be closed down according to several website information concerning there complaints already field.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Hewitt-Capital
State: IN

Complaint narrative:
Hewitt Capital XXXX is calling family members of mine impersonating a mail delivery service claiming they have a package for me and need the address to my home and place of work. Not once did they indicate the actual name of their company and the true meaning of their call. Number for them is XXXX. I discovered my reading online they have many complaints against them using same tactic.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Endpoint Resolution Services (ERS)
State: KY

Complaint narrative:
Endpoint Resolutions at phone number XXXX has been calling my parents house, my ex husband, and now ex sister in law repeatedly leaving messages for me to call them regarding some payday loan which I have no knowledge of. I have no payday loans nor have I had payday loans in the past. I dont have all the dates of the phone calls but I know one was today, XX/XX/2019. The thing is they call everyone but me because I have no calls from them and theyve never mailed me documents either. I want the illegal and harassing phone calls to stop, immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC
State: NC

Complaint narrative:
i receive a letter for XXXX XXXX for {$1000.00} from the collection agency which i dont owe them anything them are not my charges

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 2019-05-06 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: FL

Complaint narrative:
XXXX XXXX XXXX HAS PUT A COLLECTION ON MY CREDIT REPORTS THAT I PAID IN FULL PAID XXXX XXXX XXXX PAID THIS DEBT IN FULL TO XXXX XXXX. XXXX XXXX XXXX SAID IT WAS CHARGED OFF AND I DON'T KNOW THE DIFFERENCE BETWEEN CHARGED OFF AND PAID IN FULL I AM NOT XXXX I KNOW THE DIFFERENCE BETWEEN CHARGED OFF AND PAID IN FULL. I PAID THIS DEBT OUT OF MY HARD EARNED MONEY IN FULL HAVE TALKED TO A LAWYER AND THE POLICE THE THEY SAID THIS IS MOST LIKELY A SCAM

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 2019-05-06 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: FL

Complaint narrative:
XXXX XXXX XXXX HAS PUT A COLLECTION ON MY CREDIT REPORTS THAT I PAID IN FULL PAID XXXX XXXX XXXX PAID THIS DEBT IN FULL TO XXXX XXXX. XXXX XXXX XXXX SAID IT WAS CHARGED OFF AND I DON'T KNOW THE DIFFERENCE BETWEEN CHARGED OFF AND PAID IN FULL I AM NOT XXXX I KNOW THE DIFFERENCE BETWEEN CHARGED OFF AND PAID IN FULL. I PAID THIS DEBT OUT OF MY HARD EARNED MONEY IN FULL HAVE TALKED TO A LAWYER AND THE POLICE THE THEY SAID THIS IS MOST LIKELY A SCAM

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 2019-05-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
i have sent several letter to the credit bureaus asking for verification of accounts on my report. Instead of the information I requested, I get and updated credit report stating the accounts are accurate without the names and numbers of the person that verified theinformation like I requested. I sent a letter a letter to XXXX regaring verification of inquires. I received a letter stating it was notmal practice for dealerhips to submit my application to multiple dealerships. and not the infor I requested. I still have yet to receive any infor other than emails stating my dispute was completed and accounts are 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 2019-05-06 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: MO

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am 90 days past due on the XXXX XXXX XXXX/XXXX XXXX account. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference page 1 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1.  This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
I RECEIVED AN EVELOPE LEFT ON THE LEDGE ADJACENT TO MY FRONT DOOR ON XX/XX/2019 WITH MYSELF AN MY WIFE 'S NAME HAND PRINTED. THE ENVELOPE WAS STAMPED 'CONFIDENTIAL '. THIS ENVELOPE CONTAINED A WELCOME PACKAGE FROM MY MORTGAGE SERVICING COMPANY, SHELLPOINT. IN THIS PACKAGE WAS INFORMATION RELATING TO MORTGAGE IE OUTSTAND BALANCE, ACCOUNT NUMBER ETC. THERE WAS NO IDENTIFICATION AS TO WHO LEFT THE ENVELOPE. 

ON XX/XX/2019, I FOUND A SIMILIAR ENVELOPE TAPED TO MY FRONT DOOR AND AGAIN ON XX/XX/2019. 

SUBSEQUENT ANALYSIS OF MY SURVEILLANCE RECORDINGS REVEALED A PERSON BY OUR FRONT DOOR, TAKING PHOTOGRAPHS WITH A SMART PHONE THEN LEAVING THE ENVELOPE. THE SAME ON ALL THREE OCCASIONS. 

MY WIFE SAW HIM LEAVING OUR HOUSE ON XX/XX/2019 AND QUESTIONED WHY HE WAS AT THE HOUSE. HE CLOSED THE WINDOW TO HIS CAR AND HE DID NOT ANSWER. 

ON XX/XX/2019. I CONTACTED SHELLPOINT TO MAKE A COMPLAI NT AS TO THEIR METHOD OF DELIVERY AND THE ACCESSABILITY OF MY PRIVATE INFORMATION TO DEVIOUS INDIVIDUALS WHO COULD TAKE THE INFORMATION TO THE COUNTY CLERK AND OWN MY HOUSE. THE DELIVERY PERSON ONLY RANG THE BELL THE FIRST TIME, THEREFORE WHY WAS HE DIVULGING PERSONAL INFORMATION ON MY DOOR STEP. ALTHOUGH IT IS A VIOLATION OF MY PRIVACY RIGHTS AND SHOULD BE ADDRESSED IT CAN LEAD TO ME LOSING MY HOUSE FROM SOME DEVIOUS METHODS. 

ON XX/XX/2019 I AGAIN CONTATED SHELLPOINT AND WAS INFORMED THE DELIVERY WAS MADE BY XXXX XXXX XXXX XXXX. SHE DID NOT SPECIFY ANY ADDITIONAL INFORMATON. 

THE REPESENTATIVE TO WHOM I WAS SPEAKNG STATED THAT THEY NORMALLY USE THE USPS FOR SUCH DELIVERIES AND THAT THEY WOULD INVESTIGATE THE MATTER. OVER THE NEXT FEW WEEKS I CONTACTED SHELLPOINT BUT NO INFORMATION AS TO THE METHOD OF DELIVERY WAS FORTHCOMING.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Once a month I receive a phone call from XXXX XXXX XXXX, which claim they are a mediation company, the individual on the phone states they are attempting to collect a debt. After I verify that I am the the person they are trying reach with the last 4 digits of that social security number the operator tells me they are trying to collect on a Chase acct. I inform them that I never had a Chase acct, have not had the name they show on the acct for the last 6 years and I want the threatening calls to stop. After that they either put me on an indefinite hold or hang up on me. 

If I let the call go through to voice mail, it is a recorded message stating they are going to serve me at my home or office but the operators they can not verify either address.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06 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: MO

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am 90 days past due on the DEPT OF ED/XXXX XXXX account. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference page 1 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1.  This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is 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 2019-05-06 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: IN

Complaint narrative:
i have sent several letter to the credit bureaus asking for verification of accounts on my report. Instead of the information I requested, I get and updated credit report stating the accounts are accurate without the names and numbers of the person that verified theinformation like I requested. I sent a letter a letter to XXXX   regaring verification of inquires. I received a letter stating it was notmal practice for dealerhips to submit my application to multiple dealerships. and not the infor I requested. I still have yet to receive any infor other than emails stating my dispute was completed and accounts are 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 2019-05-06 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: FL

Complaint narrative:
XXXX XXXX XXXXHAS PUT A COLLECTION ON MY CREDIT REPORTS THAT I PAID IN FULL PAID XXXX XXXX XXXX PAID THIS DEBT IN FULL TO XXXX XXXX. XXXX XXXX SAID IT WAS CHARGED OFF AND I DON'T KNOW THE DIFFERENCE BETWEEN CHARGED OFF AND PAID IN FULL I AM NOT XXXX I KNOW THE DIFFERENCE BETWEEN CHARGED OFF AND PAID IN FULL. I PAID THIS DEBT OUT OF MY HARD EARNED MONEY IN FULL HAVE TALKED TO A LAWYER AND THE POLICE THE THEY SAID THIS IS MOST LIKELY A SCAM

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 2019-05-06 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: FL

Complaint narrative:
I WAS VICTIM OF IDENTITY THEFT, SOMEBODY USED MY PERSONAL INFORMATION TO TAKE MEDICAL HELP, I DON'T RECOGNIZE THIS ACCOUNTS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Linebarger Goggan Blair & Sampson LLP
State: NM

Complaint narrative:
LInebarger Goggan Blair & Sampson LLP repeatedly attempt to collect on a debt for XXXX XXXX  XXXX that I have proven repeatedly was discharged in a bankruptcy. I have certified mailed them the bankruptcy documents repeatedly, beginning late 2016, when they first attempted to collect on this discharged debt. Also, at that time, they were not licensed to operate in New Mexico. They are again attempting to collect on this debt, calling it a Notice of liability, claiming to collect for the XXXX XXXX XXXX. They are harassing me, and threatening to put this on my credit report as a valid debt ; all the threats they previously made.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: First Advantage LNS Inc.
State: FL

Complaint narrative:
This Event was one of the Most Challenging experience in my life regarding XXXX XXXX XXXX, Burglary and False Reporting in order to get more money after they allowed their Maintenance men to enter my home while I was at work and the Babysitter step out with my 2 year old son at the time to grab valuable items along with changing my locks because the Judge from My domestic violence case Granted to permission that I was allowed to break my lease due to safety reason that happened prior. On XX/XX/XXXX There was a domestic assault that on the complex which the XXXX XXXX was notified that my safety was at risk. I reach out to the Apartment Rental Office XXXX XXXX XXXX to inform them of the situation because the Police was involved they continue to ignore my communication regarding my safety and using my security deposit for relocation. I got grant from the State showing I was approved for relocation money documents on file showing this event. With no warning or 30 day notice on XX/XX/XXXX I got a call from my frantic Babysitter XXXX XXXX that she was locked out and cant get in. I immediately left my job upon arrival I called a locks smith got into my place we immediately notice items was stolen before my items was even remove from the apartment. My security deposit was in the amount of XXXX which I uploaded they kept. To insult to injury after being XXXX from previous event that took place on XX/XX/XXXX I had to deal with getting robbed by the apartment complex maintenance men along with them covering up their actions in keeping my deposit, ruining my credit, stole all of my electronics has I provided in my documents. I have submitted police reports and they continue to try to hide the corruption. XXXX XXXX XXXX XXXX in XXXX XXXX XXXX XXXX Fl, XXXX phone # XXXX. This Company Goes by several other names such as XXXX XXXX. I have sent several emails to them and they just ignore they fact that their lying and I don't owe any money to them. Not only did they ignored my plea they stole many valuable items from home in the process in trying to destroy my credit .When I contacted the collection agency they sent me letter Stating the Creditor stated I owe money because of Soda Damages? Just so they can accumulate a fake debt to cover up what they have done. The apartment had no damages at all because I was not in there for that long. Please look at the dates on everything they send because it doesn't add up. They know I'm a struggling mother and they want to take advantage of that during a time I was assaulted.

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 2019-05-06 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I sent a letter to Equifax on XX/XX/2019, asking them to investigate errors on my credit report. They were supposed to respond within 30 days, but I have had not had a response from them yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06 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: MoneyLion Inc.
State: NC

Complaint narrative:
I have a lone and paid it off in XXXX but in XXXX they put i was delinquent on payments on my credit report thats i was more than 30 days late on payments which is not true. Moneylion had an system error when i put my payment through which i was not notified of till a notification came to my phone about my account

Company response to consumer: Closed with explanation