vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Apelles, LLC
State: OH

Complaint narrative:
Notice for Proof of Claim Account : Apelles LLC XXXX ( XXXX ) To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. 
Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have previously asked Equifax to update 3 accounts that were chargeoffs but were paid. These accounts were updated to show XXXX balance and the term " PAID-CHARGEOFF '' was added to the Remark section of the accounts. This is not an accurate display of my credit history. These accounts should read PAID-CHARGEOFF in the " payment status '' field not Collection/Charge-off because FICO uses this filed to calculate FICO scores. The " account status '' is of course CLOSED but the status of payment is PAID. Am I wrong??? I think not. 
Another issue unrelated to the previous one is that my credit score dropped 43 points from XXXX on XX/XX/XXXX to XXXX on XX/XX/XXXX. This with NO ACTIVITY at all in my file for that time span. How is this possible??? 
I'm going to attach all relevant documents to these problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 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: Regional Management Corporation
State: GA

Complaint narrative:
XXXX. On today, XX/XX/2020, I authorized XXXX XXXX, a third-party marketing firm, the ability to conduct a soft inquiry or promotional inquiry on my credit report, for the purpose of providing me with pre-approved loan offers. I clicked on : " View my offers '', below which it states : " Don't worry, this loan request will not affect your credit score. '' 2. I received pre-approved offers from several loan companies, including Regional Finance. 

3. At approximately, XXXX XXXX, I received a call from the Regional Finance branch in XXXX, Georgia, phone number ( XXXX ) XXXX. 

4. The individual asked me several questions about my income, and then said he needed my consent to conduct a hard inquiry on my credit report. He said he could make no loan offers until I give my consent. 

5. I said I would not be willing to do that, and hung up the phone. 

6. Within seconds, I received a notification from XXXX XXXX that a hard inquiry from RFC XXXX XXXX had appeared on my report. 

7. I called the branch and requested to speak with a manager, was told the manager would call me back, but I have received no phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY
State: OH

Complaint narrative:
TD Bank USA/Target Credit XXXX XXXX XXXX XXXX MN XXXX Ph : ( XXXX ) XXXX Acct # XXXX Date Opened : XX/XX/XXXX Address ID # XXXX Credit Limit : XXXX Status : Account Charged off. XXXX $ written off. Past due of XX/XX/XXXX. 

Dispute processed in XX/XX/XXXX. 

Notes : Target said that it issued a credit card to me, but admits to sent it to wrong address. They charged the credit as unpaid collection account as seen in my XXXX XXXX Report. 

Target has proved to be deceitful in presuming that it does the right thing destroying customer credit reports. Due to this, I have to face a steep penalty of not getting home loans due to the company 's negligence. 

I request your kind attention to penalize Target for ruining my credit report. I also seek punitive damages from Target, for the trouble caused to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, Ca. XXXX XXXX To whom it may concern ; My name is XXXX XXXX XXXX. I have a student loan with NelNet. In XXXX my loan went into collections. I contacted the collection agency and did everything they advised me to do in order to have the loan go back to NelNet. XXXX explained to me the program called Rehabilitation can only be used once. After my account went back to NelNet, in XX/XX/XXXX. I contacted NelNet and applied for the Payment Based on Income program. I am a XXXX vet and the only income for my family. My repayment amount was set to XXXX. I Sent them all the paperwork, as well as, my Income tax for that year. I spoke to a representative towards the end of XXXX or around XXXX and confirmed they have everything needed and everything was good. 

On XX/XX/XXXX I received a letter from National Student Loan Program stating that my account went into collections. I proceeded to contact NelNet about this to ask if I was supposed to reapply for the program. I was told by the rep. that the account went to collections because I did not send proof of my wifes income. I explained to them that my wife does not work. I stated that on the application and I also sent in my Income Tax showing proof. They then continued to tell me that they tried to inform me by letters and email and gave me an address to verify that was from 10 years ago. This was an outright lie as I have paperwork showing my current address which I have been at for 8 years. I also searched my email history and did not show anything or any attempt there either. I then called Nation Student Loan Program and explained this to them as well, and asked if I can do the Rehabilitation program and they explained that it is only once in a lifetime to use this and was already used in XXXX. I contacted NelNet and explained this and asked if they can just pull back my account and process my application since they have all the paperwork needed. I asked to be transferred to a supervisor and explained everything to them. He stated he will open a complaint for me. As of yet I have not heard anything. I also filed an online complaint with Nelnet as well. 

I am only asking for my account to be sent back to be able to be set up with the payment based on income as I am currently XXXX and the only source of income for my family. I am currently waiting for my XXXX XXXX XXXX from the Veterans Administration as well to send them this information to them as well. 
Please assist me in this situation. Thank you for your time. 

XXXX XXXX SSN : XXXX Address : XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX Ca. XXXX Phone : XXXX NelNet Account number : XXXX NelNet : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 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: IN

Complaint narrative:
Someone in XXXX and TransUnion credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. XXXX XXXX, XXXX gave me two letters of release stating the debt wasn't mine XXXX and Transunion keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through XXXX 

My correct address is XXXX XXXX XXXX XXXX, IN XXXX My name is XXXX XXXX My phone number is ( 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 2020-07-20 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I opened Bank of America Credit ( BoA ) with a limit of {$28000.00}. 
On or about XX/XX/XXXX, I purchased ( i.e., signed a contract/invoice attached-this was cabinet purchase only without installation ) kitchen cabinets from XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, NV XXXX, XXXX : XXXX ) with Total Amount of {$16000.00} ( See the I ) ; the XXXX made two separate equal transactions of {$8600.00} on XXXXwhen purchased & XX/XX/XXXX of XXXX-one delivery. The Delivery Date was supposed be XX/XX/XXXX ; however, the delivery was completed more than two months later. 
On or about XX/XX/XXXX, my BoA credit card Balance was {$27000.00} XXXX almost maxed out of {$28000.00} limit ) ; however, XXXX XXXX made an UNAUTHORIZED CHARGE of {$5300.00}. 
Between XX/XX/XXXX & XX/XX/XXXX, DLeon Kitchen made repeated UNAUTHORIZED CHARGES ( {$8600.00} & {$5700.00}, respectively ). 
On or about XX/XX/XXXX, I filed dispute with the BoA ; Firstly, I disputed with the BoA, the UNAUTHORIZED CHARGES OF {$5300.00} ; more importantly, the BOA went over the authorized limit without my consent. 
Lastly, I disputed with the Boa, the UNAUTHORIZED CHAREGES OF {$8600.00} & XXXX ( i.e., I only signed and purchased on one contract for the cabinets, no other purchases were made after XX/XX/XXXX ). 
On or about XX/XX/XXXX, the BoA simply denied my requests, without a reasonable explanation, with reasons- the charges were authorized! This is completely incorrect! I firmly believe that the BoA made erroneous decision based on what appears to be easier on them rather than what is the Correct/Right decision. 
Please properly investigate and help me with the BoA unfair & illegal practice. 
Thanks,

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 2020-07-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
I have made my XX/XX/2020 mortgage payment on XX/XX/2020 in the amount of {$2500.00}. It was never applied to my outstanding balance on my account number XXXX. I have emailed them and called them multiple times with no resolution. I have sent the proof of payment form from my XXXX XXXX account. I am getting nowhere.

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 2020-07-20 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: IN

Complaint narrative:
Someone in Experian and XXXX  credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. XXXX XXXX XXXX gave me two letters of release stating the debt wasn't mine Experian and XXXX  keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through Experian. 

My correct address is XXXX XXXX XXXX XXXX, IN XXXX My name is XXXX XXXX My phone number is ( 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 2020-07-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Due to Financial reasons as a single mother Ive had to file for chapter XXXX bankruptcy in XXXX and then again in XXXX. XXXX, XXXX  and Transunion all still currently have the bankruptcy from XXXX, all of my old addresses, old judgements and old inquiries still listed on my credit report even with me asking them to properly update this old information. I will never be able to move on to repair my credit with old lingering accounts post Chapter 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 2020-07-20 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Due to Financial reasons as a single mother Ive had to file for chapter XXXX bankruptcy in XXXX and then again in XXXX. Equifax, XXXX  and XXXX  all still currently have the bankruptcy from XXXX, all of my old addresses, old judgements and old inquiries still listed on my credit report even with me asking them to properly update this old information. I will never be able to move on to repair my credit with old lingering accounts post Chapter XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
Hello, I opened an account with Chase bank and funded the account making a direct deposit from XXXX XXXX  after that i tried to make a wire transfer and my account was locked i have called several times but they say i need to go in person to a branch to authenticate myself and i have told them i am currently outside US and not able to travel due to COVID-19. I have also requested the direct deposit to be reversed so i can get my money back but they say that is not possible. 
Now i don ; t have access to te account and no way to have it unlocked and my money is stuck there

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
My account had a final balance of {$18.00} in XXXX and it was due on XX/XX/XXXX because it was paid on XX/XX/XXXX not even 30 days late they Capital one charge a {$25.00} late fee, the same thing this month due the XXXX not even 30 days late and they charged me {$25.00} late fee this account balance of {$18.00} was paid off in XXXX and should be closed. How is capital one able to charge a late fee when its not 30 days late.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-20 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: MA

Complaint narrative:
TransUnion is reporting the first late payment date in a string of late payments incorrectly. The first late payment was XX/XX/XXXX and I was consecutively late through XX/XX/XXXX. Therefore the string of late payments should have fallen off of my report in XXXX, XXXX. 
TransUnion is changing that first late payment date every month. I will never meet the seven year fall off mark because they push the first late payment date out monthly. That information is historical and should not be adjusted. They also are not reporting a full seven years. They say they have not received a full seven years from the bank and the bank says they have submitted a full seven years to Transunion. 
I have submitted 5 disputes with TransUnion, including in my submissions, is a letter from the bank showing the string of late payments and five credit reports showing the change in the first late payment date. 
The last change was the most erroneous. They changed arbitrary dates to OK. Leaving 90 day late and 120 day late payments without any previous late months. It makes no logical sense. 
I contacted the bank with my concerns that because I make two payments a month into escrow and then the payment is applied to the mortgage, this has confused TransUnion 's record keeping. I was told the reporting doesn't happen that way, but I only made one payment into escrow in XXXX and that payment shows up in my credit report. 
I have repaired my credit and am entitled to what the law provides for with credit reporting. I am powerless to make any changes because I am stuck between the bank and Transunion.

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 2020-07-20 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: Santander Consumer USA Holdings Inc.
State: MI

Complaint narrative:
Santander Consumer USA has been deceptive and made a mistake and put my car loan in bankruptcy status and therefore took the trade lines off and have not reported my perfect payment history. Because of this my credit report does not show any car payment history at all and its making it impossible for me to get out of this high interest rate loan and lower my car payment. They are purposely doing this in order to keep me paying this high interest rate. Then they try to say well we don't need to report your history at all, had they told people their payments on their car would never be reported to credit bureau 's how many people would accept a loan like that when the whole purpose of the loan was to rebuild credit to begin with?? I need help, I have spent almost 1 1/2 years fighting them and they keep blaming everyone else but it's them, they refuse to correct the problem!! please please please help!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-20 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:
Someone in Experian and XXXX  credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. XXXX, XXXX XXXX XXXX, XXXX gave me two letters of release stating the debt wasn't mine Experian and XXXX  keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through Experian. 

My correct address is XXXX XXXX  XXXX, XXXX XXXX IL XXXX My name is XXXX XXXX My phone number is 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 2020-07-20 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated
State: AL

Complaint narrative:
On XX/XX/2020 I fled for unemployment. By the information, my card was mailed on the XXXX. The date now is XX/XX/2020 and I have yet to receive a card. All contact numbers are automated and don't give the option to speak to a rep to issue a new card. From the Alabama Department of Labor first regave the number, I had already tried. Then suggest cfpb.gov

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
As of XX/XX/XXXX Experian report # XXXX falsely shows XXXX XXXX listed as a negative item on my credit reports. That account was paid off in full on 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