vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-19 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: AES/PHEAA
State: CA

Complaint narrative:
AES/XXXX is reporting XXXX fraudulent loans on my credit report and have refused to cease the credit reporting after several promises to do so. I have been calling and disputing this information sinceXX/XX/XXXX2017, and for the last five months I have been lied to, harassed for payments, told false information, and basically have been running around in circles trying to get someone to actually take action and do an investigation. In the past I made payments on these loans by sending in one lump sum to the creditor to cover ALL my loans, which included those that I did take out in my name. There are four loans that I DID take out in my name but there are three loans that I DID NOT authorize to be taken out in my name. I am a victim of identity theft. I sent in a police report, XXXX XXXX XXXX XXXX, and proof of identity to AES/XXXX back in XXXX 2017. After multiple calls I did n't receive an XX/XX/XXXX XXXX XXXX from their company for completion until XXXX XXXX, 2017. Five months later, after requesting one to be sent to be beginning in XX/XX/XXXX, they finally sent the form. They continue to report late payments and the defaulted loans to the credit reporting agencies after I was promised it would cease and be removed after receiving my XXXX XXXX XXXX. Not once has this company followed up with me. I always have to call them and when I do they always provide me with false information. I was told by several representatives that XXXX is servicing these loans and they are rejecting my fraud packet. However, whenever I call XXXX they have no record of me. This company has no regards for victims of identity theft and continue to provide me with false information and in turn are damaging my credit. I have kept a record of all communications with this company. They received a completed/notarized fraud packet on XXXX XXXX 2017 and according to the packet credit reporting was to cease 15 days after receiving the packet, which was XX/XX/XXXX. They have yet to do so and had the nerve to tell me they ca n't because XXXX rejected the packet. XXXX does n't even know who I am when I call so how can they reject a packet? If anyone from AES/XXXX  actually bothered to called the XXXX number they gave me they would be able to understand that they are rejecting it because they have no record of me!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-19 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
In recent months, I have worked hard to rebuild my credit and paid accounts I did owe. However, there is an account I did not recognize by a company known as  XXXX   XXXX  through my credit report on Experian. I have no recollection of opening an account or authorizing any of my information for collection with   XXXX  . I contacted  XXXX   XXXX  on the number that was provided on my credit report on  XXXX   XXXX ,   XXXX   and requested my application and any other authorizations for validity. The representatives and supervisors whom I spoke with failed to provide any documentation that the account is mine to my mailing/home address and email. As of my last known dispute on  XXXX   XXXX ,   XXXX  , in which I challenged ownership of this account, Experian declared that the account shall remain on my report. When I requested for their method of verificatio n ( FCRA Section 611 ( a ) ( 7 ) ), Ex perian replied that all they did was send a request to  XXXX   XXXX  with no documentation provided to me from the furnisher that the account is mine. I contacted  XXXX  again on  XXXX   XXXX ,   XXXX   and spoke to  XXXX   XXXX  in thei r Vendor Services depa rtment which record-keep applications and other authorization documents. I provided my full name, full social security number, and other information to her, and she found nothing that ties me to that account at all. I contacted Experian shortly thereafter to conduct a conference call as proof and they were non-compliant in accordance to ( FCRA Sectio n 616 ), as well as being told by their supervisor stating that, it did not matter whether or not I authorized the account, the fact that they have my social security number gives them the right report onto my credit file. Hearing this statement hints to me the allowance of fraudulent reporting between these two com panies and Experians reporting practices.     Attached to this complaint is my Experian Credit Report as  XXXX / XXXX /  XXXX   and they can be found on the bottom of th e 8th page as well my personal identification such as my drivers   license and ssn.

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 2017-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: PNC Bank N.A.
State: AL

Complaint narrative:
My complaint being filed is agai nst PNC Bank. I have been receiving documents for over one year that belong to another person that lived at my current address three years ago. I have called and written PNC Bank to delete my address from this person 's account, but can not get any response fr om them.     On  XXXX   XXXX   2017 , I received a letter from a collection agency,  XXXX   XXXX   XXXX , in regard to this person 's account with the bank . PNC Ba nk gave the collection agency MY address and therefore, I am now receiving letters fro m PNC  Bank and  XXXX   XXXX   XXXX  in regard to an account that does not belong to me.     Documentation is attached to my complaint. I am tired of being harassed by PNC Bank and now they have shared my personal address with a collection agency, that is also harassing me by mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19 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:
XXXX  is reporting three fraudulent loans on my credit report and have refused to cease the credit reporting after several promises to do so. I have been calling and disputing this information since  XXXX    XXXX  , and for the last five months I have been lied to, harassed for payments, told false information, and basically have been running around in circles trying to get someone to actually take action and do an investigation. In the past I made payments on these loans by sending in one lump sum to the creditor to cover ALL my loans, which included those that I did take out in my name. There are four loans that I DID take out in my name but there are three loans that I DID NOT authorize to be taken out in my name. I am a victim of identity theft. I sent in a police report, FTC ID Theft Affidavit, and proof of identity to  XXXX  back in  XXXX    XXXX  . After multiple calls I did n't receive an Identity Theft Affidavit from their company for completion until  XXXX   XXXX ,   XXXX  .  Five  months later, after requesting  one to  be sent to be beginning in  XXXX , they finally sent the form. They continue to report late payments and the defaulted loans to the credit reporting agencies after I was promised it would cease and be removed after receiving my ID Theft Affidavit. Not once has this company followed up with me. I always have to call them and when I do they always provide me with false information. I was told by several representatives that  XXXX  is servicing these loans and they are rejecting my fraud packet. However, whenever I call  XXXX  they have no record of me. This company has no regards for victims of identity theft and continue to provide me with false information and in turn are damaging my credit. I have kept a record of all communications with this company. They received a completed/notarized fraud packet on  XXXX   XXXX ,   XXXX   and according to the packet credit reporting was to cease 15 days after receiving the packet, which was  XXXX   XXXX . They have yet to do so and had the nerve to tell me they ca n't because  XXXX  rejected the packet.  XXXX  does n't even know who I am when I call so how can they reject a packet? If anyone from  XXXX  actually bothered to called the  XXXX  number they gave me they would be able to understand that they are rejecting it because they have no record of me!!!!

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 2017-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
I have a number of issues with the  XXXX  service. I have a limitation on my account that is preventing me from accessing my money. They do not have any right to siesure as they are not a government agency and are now operating outside of their scope of authority. I have attempted to rectify the limitation for many months now, and they are asking me for the same information previously submitted. They are using an unconstitutional user agreement that mandates that any civil complaints be addressed in the city they operate in regardless of legal operational jurisdiction. This hold is in violation of my  4th  amendment rights to prevent unlawful siesure of property and is tantamount to stealing. I believe this is being done as punishment for prior complaints, and I would like to officially request whistleblower status as I am being persecuted for reporting their unlawful activity. They have made claims that I had 6 months to dispute fraudulent charges, and have not honored that claim. I am being railroaded by this company, and the  XXXX   XXXX   XXXX  wo n't even return my request for a lawyer referral to get a civil action started against them. This is a perversion o f American Freedom of Trade, and they continue to use Unfair and Deceptive Acts and Practices in violation of Section 5 of the FTC trade laws and are violating the same in  my state of NC as well as the laws of their home state of CA. I ca n't seem to get my government to take action against this corporate tyranny, and they continue to operate with impunity. I need some agency that uses our tax money to enforce the laws as written.

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 2017-05-19 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: IL

Complaint narrative:
I contacted Equifax on XXXX-17 to make them aware that this account XXXX XXXX XXXX XXXX account # XXXX is the result of identity theft. I have no knowledge of who the perpetrator is and never authorized anyone to use my personal information to open this account. I 've provided Equifax with an Federal Trade Commission Affidavit and filed a police report about the incident and sent a copy to Equifax. To date Equifax has yet to block this information from my credit file. I will attach a copy of the correspondence I mailed to Equifax about the incident within this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: LA

Complaint narrative:
XXXX   XXXX    XXXX   i noticed that Enhanced Recovery once again placed a debt on my credit profile that i dont owe.This company has not provided proof that im the owner of this debt, I asked this company to provide proof that they are licensed to collect debt in Louisiana, they did not. This is clearly a violation of the " Fair Credit Reporting Act ''. Please be advised that I am keeping documented proof of all contact with '' Enhanced Recovery Corporation ".

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
After wrongly being denied credit on  XXXX   XXXX ,   XXXX  , I requested a copy of my credit report from Experian. Rec 'd 1st report on  XXXX / XXXX /  XXXX   ( #  XXXX  -their  number ) which was full of incorrect info. Spoke to representative. Followed up with a ( return receipt requested {$5.00} ) mailing which included copy of my passport, homeowners insurance declaration and my request to remove/correct personal info. Rec 'd  2nd  report dated  XXXX / XXXX /  XXXX   ( #  XXXX   XXXX  incorrect phone number was removed BUT another incorrect  Residential  phone # with a New Jersey area code was added. Sent a complaint to CFPB, as there was no phone number included this time to reach a representative. CFPB notified me that complaint is closed as Experian responded. They responded but did nothing else, obviously, as today I received a  3rd  report dated  XXXX   XXXX   XXXX  #  XXXX   XXXX  which still contains that New Jersey number. When I wrote to them in  XXXX  I gave them my only  2 Phone # s, along with my passport and Insurance declaration . When I attempted to dispute this through their dispute website ( www.experian.com/disputes ) it would not accept it, telling me report # was required ( I copied it directly from this report ) nor when I entered my own personal information. Please note this is my 2nd complaint about the same thing re : the same company.

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 2017-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Scott Fetzer Financial Group Inc.
State: NC

Complaint narrative:
United Consumer Financial has changed the reporting status of an account included in my Chapter   XXXX  from discharged to charge-off. This has happened more than once over the last 5 years, but after disputing the information they changed it. I checked my credit report and noticed that the information on   XXXX   was just recently changed back to charge off, and I would like it fixed.     The change caused my score to drop about  XXXX  points. I 've attached a section of the report as well as  XXXX  bankruptcy document as proof. My concern is that this will be charge-off to another creditor, and I 'll be subject to further collection efforts in violation of my  Chapter   XXXX  discharge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA

Complaint narrative:
on XX/XX/XXXX I received a message at my job about something regarding a county petition and to call " XXXX XXXX ''. I called to realize this was not the county calling me but someone from XXXX XXXX XXXX saying I owed a debt I did not realize I had. This was the first communication about this matter. I have never received any written notice about this debt. I began to write down the who, what, when, and why so I could make sense of what I was being told. I asked " XXXX XXXX '' for her first name and was immediately placed on hold. After coming back from hold " XXXX XXXX '' came on to the call and the first thing I was asked was if I was recording the call. I said no, and " XXXX XXXX '' proceeded to tell me she was attempting to collect a debt and if I did n't set up payments through her department which she said was the litigation department that she would submit a petition through the county I live in and that I would be served at home or my place of business. I calmly and respectfully informed her I am not trying to negate my debt or anything she was saying but that I had to contact the lender ( ACE CASH EXPRESS ) and verify everything she was saying before I agreed to any payments and that I hoped she understood. She hung up on me. I contacted ACE CASH EXPRESS which informed me my debt was half what XXXX XXXX XXXX stated it was and that my case had been sold to " XXXX XXXX XXXX '' and to call. I called given the number provided and I was sent through an automated loop which informed my they are a " XXXX XXXX XXXX '' and that my account was most likley sold to ANOTHER debt management company for collection which they do not do, going through to eventually a call dying. I tried again and same thing. Obviously there isnt a customer service person. I found them online and it said for fastest contact fill out a form for contact 24/7, with a sentence literally following it saying response within 3 business days. I finally found an online form to find my account was indeed forwarded to " XXXX XXXX ''. who I can call however get hung up on, no answer, no way to contact them other than filling out a form and waiting for a response. All while XXXX XXXX XXXX is likely filling a petition for this debt which I can not confirm they own because they refuse to provide any documentation unless I pay. I pay or get served.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19 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: OK

Complaint narrative:
I found an unauthorized charge in delinquent status on my credit report. It was from a credit card that I have never used, but had the account open ( online nor the card itself  ). I d isputed it on Transunion Dispute and reported back that the information on the report is accurate. I am unsure what that means, and have not been able to reach out. I called the credit card company,  XXXX , and told customer service that the charge on that account was fraudulen t (   XXXX  charge for  XXXX   ),  so she turned off the account and anyone authorized users, and marked the transactions as fraudulent.

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 2017-05-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
XXXX  of    2016  to prese nt. Wells Fargo has be en having trouble with having posting payments in a timely manner. Shipping billing statements to address that we have n't used for well over a year and a half. In so doing they proceed to want to charge me late charges. I have talked to customers service representatives and they assure me that the problem will be ractified. To this date it has not, if anything it is getting worse.

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 2017-05-19 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Oracle Financial Group LLC.
State: NY

Complaint narrative:
In a attempt to purchase  XXXX , I was instructed by Oracle corporation to Email money to :  XXXX  XXXX  XXXX . I sent {$56.00}. As it was a cash transaction  XXXX , said it could take no action.I will contact  XXXX   XXXX  next.     Oracle -Transaction  XXXX . No   XXXX   have been received and their is no response from that  Email address or so far from Oracle.    The money was sent through  XXXX  - Payment For  XXXX   XXXX  Transaction  XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am 47 days late on my mortgage t o Capital One N.A. Th e payment is {$2200.00} per month. I just received a letter from them threatening me with foreclosure. They state I must send them {$6600.00} CERTIFIED FUNDS. ONLY THE TOTAL AMOUNT DUE WILL BE ACCEPTED. The month of  XXXX  is still 14 days away. What gives them the right to force me to pay  XXXX ,  XXXX  and  XXXX  at this time? What gives them the right to not accept my  XXXX  payment at this time?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Account Control Technology, Inc.
State: NY

Complaint narrative:
Accou nt Control Technology, INC. ACT i s trying to collect a junk debt. This debt also failed validation With another collection agency called  XXXX   XXXX   XXXX , whom failed to provide validation in  XXXX . Moreover, validation was sent today in the mail and ACT failed to respond to my complaint with the Better Business Bureau Complaint ID # :  XXXX . In addition, Account Control Technology called me on  XXXX / XXXX / XXXX  from the number  XXXX  telling me to " make payments '' This also violates the FDCPA ( Fair Debt Collection Practice Act ) by failing to mention offering validation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief