vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I was told by Experian that they verified the bankruptcy by the Court. 
I was told by the court that they don't verify any records. Also I was trying to dispute one or two address that is inaccurate in my credit report but they do not me let do it online and when I call the person did not even why.

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 2020-06-25 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: Block, Inc.
State: OK

Complaint narrative:
My cash app account was hacked and sent out two payments. One for XXXX and another for XXXX that cash app will not refund to me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
Pennymac has fraudulently tried to charge me for insurance on a loan without an impount account. I have always paid the taxes and insurance myself. I have had insurance the entire period and provided the proof multiple times when requested. Pennymac claims they paid for insurance as the lender, but will not provide the invoice they paid or even provide the name of the insurance company they paid. 
Now they have failed to apply my regular payments, they are charging me interest and late fee penalties even though I have paid the monthly amount required by the note every month and can document the payment. 
Please have then stop trying to collect on a debt I don't owe and they can't prove. Have them stop charging interest and penalties even though the loan has been paid on time. 

Thanks, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-25 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: MI

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all 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 2020-06-25 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: NJ

Complaint narrative:
" We have conducted another investigation based on this new complaint submission. We were able to confirm that during the time of the transactions in question, the card was in your possession. We are respectfully declining your request for permanent credits. '' ... 

First of all, you don't " respectfully '' do anything. Secondly, you were able to confirm that the card was in my possession??? On what grounds?!?? You've responded to me 3 times regarding this issue, and all 3 times you gave extremely vague answers. Thus far you've given no supporting documentation to back up your allegations ... You claim you've conducted investigations, yet investigations include documents proving the cardholder owes the money ... And I am by law able to request copies of said documents ... 

So -- I " disrespectfully '' decline your refusal to my request for permanent credits ... Furthermore, if you report my account to a credit reporting company as delinquent after I don't pay, the report also must state that I don't think I owe the money. What's more, you must notify to me who gets these reports ... You also must promptly report any subsequent resolution of the reported delinquency, to everyone who got a report ... 

P.S. -- Close my account ASAP as I want nothing more to do with you dirty rotten people ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 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: MI

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 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: MI

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all 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 2020-06-25 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: NC

Complaint narrative:
The recently received a copy of my credit reports from all three bureaus were XXXX collection company reports a debt on behalf of XXXX XXXX I requested a validation of debt from XXXX with no response then I filed a compliant with the CFPB were XXXX reposed by providing what they say is proof of debt the problem is 1 .... The consent to treat is dated XX/XX/XXXX ( which is typed ) and also signed and is a outpatient consent to treat ... ..since there was a hospital stay according to the bill there would be a consent to treat from the hospital stating inpatient consent the form provided is clearly a form from a regular doctor visit and even lists my primary care doctor 2. The responsible party name in the consent form is XXXX, XXXX XXXX 3. The bill provided shows a Date of service as XX/XX/XXXX to XX/XX/XXXX ( Which doesnt match the consent to treat form dated nearly a year ahead of date of service ) 4. visit number is XXXX according to the bill however the consent form reference number XXXX 5.The collection number did not provide proof that they were hired to collect on behalf of XXXX XXXX 6. I Do NOT have a contract with the collection company namely XXXX Since XXXX wasnt contracted by XXXX XXXX and purchased the alleged debt the fact that they provided my hospital bill is a HIPSA violation It is crystal clear that these documents do not correspond with one another which means that the collections company has not met the guidelines for validation of this debt and must REMOVE all negative derogatory items reporting on my credit file in regards to this collection Item I have attached the consent to treat provided by XXXX  I have attached the hospital bill provided from XXXX Previous response to CFPB compliant number and documentation attached

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
I contacted Progress Management Collection agency on XX/XX/XXXX and advised that I would like to pay off the debt that is listed on my credit report. The amount listed was {$180.00} and that once paid, the item would be removed from my credit report. The agent stated yes, they report every a Friday, but it will be removed, so thats the amount I paid. I then reached out to the agency to again because the item is still on my report just to be told That the item on my credit report has not been paid, but yet another item was paid which I have no knowledge of and the item on my report was for my Daughter born XX/XX/XXXX and thats the item I was requesting to pay. They completely lied in order to collect on a debt that I know nothing about and can still reach out to XXXX hospital to take care of. I was the item to be removed from my credit report because thats what I paid In full and agreed upon.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 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: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I am filing a complaint against the three credit reporting agencies, XXXX XXXX XXXX and also Ally Bank.. sometime in XXXX I received a call regarding my cousin asking if I can be a reference for some XXXX  work he was getting done! I asked him why did he need a reference and he said so they can call because he was getting a loan and I would not be the only one. Next thing I know I receiving something in the mail stating that I have a loan.. I was not aware of any loan! I feel bamboozled, manipulated and taken advantage of.. I never gave my conceit for them to use my information. I never signed any paperwork and never went to any office to give anyone permission to run my credit.. My cousin also is blind to the whole thing. The XXXX  office have been giving my cousin and I the run around since this whole thing happened. They refuse to talk to us or even set up a meeting to know who it was that violated my privacy. They signed the paper work with the wrong name and everything.. Not only am I upset that this happened, I am afraid of what these people are capable of.. I have filed several reports to the lending companies as well as the city police station.

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 2020-06-25 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing a complaint against the three credit reporting agencies, XXXX XXXX XXXX and also Ally Bank.. sometime in XXXX  I received a call regarding my cousin asking if I can be a reference for some XXXX  work he was getting done! I asked him why did he need a reference and he said so they can call because he was getting a loan and I would not be the only one. Next thing I know I receiving something in the mail stating that I have a loan.. I was not aware of any loan! I feel bamboozled, manipulated and taken advantage of.. I never gave my conceit for them to use my information. I never signed any paperwork and never went to any office to give anyone permission to run my credit.. My cousin also is blind to the whole thing. The XXXX  office have been giving my cousin and I the run around since this whole thing happened. They refuse to talk to us or even set up a meeting to know who it was that violated my privacy. They signed the paper work with the wrong name and everything.. Not only am I upset that this happened, I am afraid of what these people are capable of.. I have filed several reports to the lending companies as well as the city police station.

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 2020-06-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FORD MOTOR CREDIT CO.
State: CA

Complaint narrative:
This complaint is the result of the negligence committed by Ford Motor Credit.  I have the following account with them : account # XXXX, opened date : XX/XX/XXXX, original balance : {$16000.00}. 

I have tried multiple times to fix this issue with them, but they have refused to provide me a fair solution. 

Back on XX/XX/XXXX there was an issue with Fords online system, they mistakenly had 2 online accounts for me, and this made a problem for them to process online payments.his ended up in a late payment reported on XX/XX/XXXX on my report. They are being unfair and negligent. Since this was a bank error, they shoulnt report the payment as " late ''. 

All I am asking for is a fair solution to this issue, that has become worst with the time. 
I have always been on time with my payments, and by XX/XX/XXXX, it was not the exception. 

My demand is to get this late payment removed from my report. 

Tnak you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing a complaint against the three credit reporting agencies, XXXX XXXX XXXX and also XXXX XXXX.. sometime in XXXX I received a call regarding my cousin asking if I can be a reference for some XXXX  work he was getting done! I asked him why did he need a reference and he said so they can call because he was getting a loan and I would not be the only one. Next thing I know I receiving something in the mail stating that I have a loan.. I was not aware of any loan! I feel bamboozled, manipulated and taken advantage of.. I never gave my conceit for them to use my information. I never signed any paperwork and never went to any office to give anyone permission to run my credit.. My cousin also is blind to the whole thing. The XXXX  office have been giving my cousin and I the run around since this whole thing happened. They refuse to talk to us or even set up a meeting to know who it was that violated my privacy. They signed the paper work with the wrong name and everything.. Not only am I upset that this happened, I am afraid of what these people are capable of.. I have filed several reports to the lending companies as well as the city police station.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: MA

Complaint narrative:
Southwest credit systems is on my credit report, I would like for this company to provide me with the original contract for this account. I would also like for this company to provide me with any documents that they might have where my signature appears in wet ink. As far as I know I have never had any type of business with this company, if the original contract cant be provided to me, please delete the account from my credit report. The FCRA states that upon request, the original contract must be provided to the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP
State: IL

Complaint narrative:
Due to covic 19 I applied for US banks modification program for 6 months. The program would expire in XX/XX/2020. I was also told doing this time no payments would have to be made and it would not affect my credit. Once I was 2 months into the program I received calls from debt collectors from US bank. US bank also reported me too all 3 credit bureaus saying that I am 5 months behind on my payments. And reported derogatory credit 120- 149 days late which drop my credit score over 62 points. I was denied a SBA loan and other loans do too there lack of professionalism and inaccurate information. I have called many times in regards to this. I only received the run around and was transferred from departments to another after spending 3 days on phone calls I was told to contact there escalation Department and write a letter. I am self employed and they have harmed me tremendously. my inability to keep my business going has affected me personally as well as financially.

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 2020-06-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XX/XX/2020 I was looking to rent a home, a transfer in {$1800.00} was made from my Bank of America account through XXXX to the scammers email. I called Bank of America right away to informed them I had been scammed and file a police report of the incident. 

After talking to multiple agents they informed me the charge could not be stopped. They kept saying I authorized the charge and there was nothing they could due. I have collected all the information they ask for and have the police report to prove I was indeed a victim of a scam and yet XXXX our Bank of America will not stop the charge which is still processing.

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 2020-06-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing a complaint against the three credit reporting agencies, XXXX XXXX XXXX and also XXXX XXXX.. sometime in XXXX I received a call regarding my cousin asking if I can be a reference for some XXXX  work he was getting done! I asked him why did he need a reference and he said so they can call because he was getting a loan and I would not be the only one. Next thing I know I receiving something in the mail stating that I have a loan.. I was not aware of any loan! I feel bamboozled, manipulated and taken advantage of.. I never gave my conceit for them to use my information. I never signed any paperwork and never went to any office to give anyone permission to run my credit.. My cousin also is blind to the whole thing. The XXXX  office have been giving my cousin and I the run around since this whole thing happened. They refuse to talk to us or even set up a meeting to know who it was that violated my privacy. They signed the paper work with the wrong name and everything.. Not only am I upset that this happened, I am afraid of what these people are capable of.. I have filed several reports to the lending companies as well as the city police station.

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 2020-06-25 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: Nelnet, Inc.
State: PA

Complaint narrative:
Thank you for reviewing the complaint. After reviewing the credit profile, Nelnet continues to report account XXXX repeatedly. According to FCRA the method of reporting is illegal and inaccurate. The multiple accounts display as if 26 late-payments, instead of two late-payments.

The method of reporting continues to compromise credit score and creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all 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 2020-06-25 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all 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