vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-07 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: CA

Complaint narrative:
i have sent dispute letters on XX/XX/2020, as of today date XX/XX/2020 i still have not received anything from the credit bureaus. i feel the time frame as been long enough to contact me with what im asking for.

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 2020-08-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this  alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
Credit inquiries can be made by any legitimate business for any legitimate reason (??? way too open ended ) without prior approval or disclosure of purpose & /or credit impact to a credit holder. This opens the door for the credit holder to have their credit profile negatively affected for years, as it leaves the possible unknowing credit holder to seek out inquiries from the Credit Bureau ( s ) who then leave it up to you to dispute with the business who made the inquiry, who may or may not remove from a credit profile, which would then be reflected for three years on a credit profile. 

This is a problem as it poses the possibility to negatively impact credit profile for years and may result in restricting access to jobs, insurance, autos, housing etc.

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 2020-08-07 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 — Overcharged for something you did purchase with the card
Company: DISCOVER BANK
State: NC

Complaint narrative:
Back in XXXX I rented a car from XXXX XXXX XXXX XXXX my total was XXXX with a deposit hold of XXXX as seen in the attached receipt. I returned the car as stated in the contract. However, the rental car company is trying to overcharge me XXXX and XXXX dollars in two separate transactions. When I called the rental car company they advised me to call my credit card company which is XXXX. I filled a dispute with them and they refuse to assist in getting the money from the merchant. I just want to be charged the stated amount in the receipt which is all I should owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: U.S. BANCORP
State: CO

Complaint narrative:
Around XX/XX/2020 I received an unsolicited debit card from US Bank, in violation of law. On XX/XX/2020 I sent a certified mail to XXXX XXXX, in XXXX, FL XXXX to request the cancellation of the card. I did not activate the card. 
I suspect that someone else is trying to open an account under my name.

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 2020-08-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: WA

Complaint narrative:
The company I am complaining about is Credence Resource Management. This company has repeatedly called from a bunch of different XXXX numbers and only identified by the staff name and not the company name. I always ask what company they are from and they are reluctant to tell me. When they do, they are not understanding of my situation. They sent me a letter in the mail saying I could have my debt forgiven if I fill out the hardship form. I sent it and now they are still calling Me a month later and harassing me for the money and talking about how it will affect my credit report negatively. They were not willing to work with me on the offer and were not understanding that I really needed that forgiveness since I have been furloughed due to the virus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX, a fraudulent purchase was made by someone who hacked into my XXXX account. On XX/XX/XXXX, I noticed that {$1200.00} was missing from my account and found the transaction in the pending section of my online account information. I immediately contacted Bank of America to let them know that I did not make this purchase. The representative told me that they would open a claim and investigate the transaction. The representative stated that the money would likely be returned to my account in 5-7 days, but that an investigation could take up to 45 days. While I waited for a response from Bank of America, I noticed that the pending charge was moved from pending to Authorized, even though I had already contacted Bank of America to let them know I did not make the purchase. I received a notification via email that I had a message from Bank of America in my XXXX XXXX on XXXX. The message stated that my claim was denied and only gave the following information : Our records show the transaction activity in question was authorized and posted correctly to your account. 

I was in the hospital giving birth on XXXX, but once I was released on XXXX, I contacted Bank of America to see why the fraud claim was denied. The representative stated that the claim was denied because I " had an extensive history purchasing with XXXX ''. 

XXXX is the biggest company in the world. Of course I have ordered from them in the past. I do not have a history of making $ XXXX purchases from XXXX XXXX I have been a Bank of America customer for over 10 years and I do not have a history of making fraud claims. I feel that, in this case Bank of America, did the bare minimum of investigation into this claim. XXXX sent me an email on XXXX letting me know that my account had been hacked and that this purchase appears to fraud. Bank of America obviously did not contact XXXX to investigate this claim. The email from XXXX was faxed to Bank of America on XXXX and I am currently waiting for my claim to be re-reviewed. I feel disappointed that my bank, who I have been a customer of for over 10 years, would allow someone to take $ XXXX dollars from my account and then deny a fraud claim without any substantial investigation. The timing of this is awful. I have a hospital bill that I was planning to use this money to help pay for, I will be on maternity leave and not receiving my typical income, not to mention the pandemic.

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 monetary relief
Consumer complaint received 2020-08-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: WA

Complaint narrative:
This is regarding our Target credit card we paid the balance in full on XX/XX/2019 normally this is done through our bill payer account but due to a soft safe update we had to use our debit card issued by our bank to make the payment. Did to the change in payment it got to XXXX late Friday night after business hours after they were closed. Technically our payment would not be late till XX/XX/XXXX but since that was a Sunday they claim they did not receive it until Monday the XXXX making it late. 

Normally they would have received this payment well before the XXXX well before the cut off date of our bank wasn't going through a software upgrade. After explaining this we initially offered to pay the {$28.00} dollar charge to have it go away. 

The XXXX said if we would get a letter from our bank they were sure they would reverse the late charge. Reviewing the left not only did they decline our request XXXX just keep adding interest and late charges to the original late charge balance to where the XXXX credit balance is {$340.00}. All from a XXXX dollar late charge. 

The account was closed and that is when Target got real nasty in resolving this issue. 

You can go to XXXX and get the multiple phone conversation to back up our allegations as all phone conversation are recorded.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 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: AR

Complaint narrative:
My identity has been compromised. I found out because credit karma sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 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: AR

Complaint narrative:
My identity has been compromised. I found out because credit karma sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: STERLING JEWELERS, INC.
State: MA

Complaint narrative:
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Advance Bureau of Collections
State: GA

Complaint narrative:
This collection company is calling me from different phone numbers ( XXXX, XXXX ) claiming to be the Social Security Office and my identity has been stolen. It is low on all levels.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
This is related to complaint # XXXX filed on XX/XX/2020. The company ( Citizens One Home Loans ) responded on XX/XX/2020. It appears that Citizens has corrected their transaction errors, and adjusted my mortgage balance as well as escrow account. 

However, I pulled a credit report this week, which shows incorrectly that my XX/XX/2020 mortgage payment was late. This payment was on-time, but rather than posting it correctly, Citizens sent me a check for the full amount. On the advice of one of their customer service reps I held the check for several weeks, then returned it on XXXX. 

I have asked XXXX to remove the incorrect late payment record from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 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: NY

Complaint narrative:
I have contacted Experian on several occasions, the most recent being XX/XX/XXXX, in regard to exclusion of derogatory accounts from my credit report. I have 2 accounts that are closed and paid, for which the date of first delinquency will antedate my report by 5 years. I am requesting exclusion of the derogatory information of these accounts based on the provision set forth by NYS law Section 380-J : ( iv ) accounts placed for collection or charged to profit and loss which antedate the report by more than seven years ; or accounts placed for collection or charged to profit and loss, which have been paid and which antedate the report by more than five years I have a XXXX card that has been charged off, and subsequently paid and closed. I also have a XXXX XXXX account that has been charged off, and subsequently paid and closed. Both accounts have XXXX of XX/XX/XXXX. When referring to my Experian credit report, these accounts are scheduled to continue on my report until XX/XX/XXXX. Uning the NYS provision, I would anticipate these accounts would be eligible for exclusion this year, as the customary 7 year reporting period is shortened to 5 years. When I have inquired as to when these accounts will be excluded I have been given various dates not in accord, including 5 years from date of last activity on the account. 

I have been unable to reach a resolution to this problem, as I have been told the date of first delinquency is not recognized for application of the NYS provision. I have not had an issue with the other credit bureaus applying this provision and hope to resolve this expeditiously.

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 2020-08-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NATIONS LENDING CORPORATION
State: CA

Complaint narrative:
The company Nations Lending practices predatory lending. When transacting with their senior loan officer XXXX XXXX NMLS # XXXX, she intentionally gloss over important information. For example, she gave false information about the impact on my credit file. She claims that since I am shopping for mortgage within 30 days multiple credit inquiries will not impact my credit scoring at all. When in fact it does just to a lesser degree. I repeatedly asked her if they have jumbo loan rates with no points that is lower than a specific number I am already working with. She was very vague and evasive without committing. Most other lenders have no problem with disclosing. In the end, she gave me a rate that I need to pay over $ 30K of points for. She didnt even discuss it in specific details directly when I asked for it and tried to bury this key information in the initial disclosure paperwork. 

After reviewing other complaints filed with the XXXX I felt this is a company wide issue and want to bring this to your attention so others are aware and warned.

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 2020-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I moved from XXXX XXXX XXXX XXXX. XXXX XXXX, NY to a new address. Mail came to that old address and it was stolen by the new residents. I forwarded the mail at the US Post Office but some important mail slipped through. I found out that the new residents had used my name to apply for various types of accounts. The following inquiries on my credit were not authorized by me! 

XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX Date XX/XX/XXXX XXXX Credit/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Auto Finance advised that they received confirmation from XXXX, XXXX and XXXX that the block was removed from my account. However, I am requesting proof of documentation that they sent letters requesting XXXX, XXXX and XXXX to re-insert my lease payment history for my XXXX XXXX XXXX.

Company response to consumer: Closed with explanation