vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-12 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: GA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. 

XXXX XXXX XXXX Credit CardXXXX XXXX XXXX XXXX XXXX- Credit Card- XXXX Please block this information from my credit report within 4 business days, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 


Attached : Identity Theft Report Proof of identity : A copy of my drivers license and Social Security Card Fair Credit Reporting Act Section 605B Police Report Dispute Letter

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 2020-05-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: NY

Complaint narrative:
Discover Financial closed my credit card account inappropriately. I have been a loyal customer to Discover for 10 years and never missed a payment ever. I entered into a payment program in XX/XX/XXXX to pay down my credit card through discover, it was paid off in full in XXXX of XXXX. They never re-opened the account, and then I get an email in XX/XX/XXXX stating that they are closing my account. This has directly negatively affected my credit score that I have been working so hard to rebuild because now my oldest account has been closed and my available credit amount has been decreased by {$9400.00}. How can a company do that to such a loyal customer who has never missed a payment and was only taking advantage of the programs that Discover bolsters and brags about to help people make payments. I was given no answer to why my account was closed and when I spoke to the executive office on XX/XX/XXXX they state " we can not tell you what we look at because it's an internal process. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP
State: MD

Complaint narrative:
I have requested Honda Financial Services on several occasions to change my due date because my employer changed the payroll payment dates but they've refused to cooperate, and continue to charge me high late fees on both vehicles.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I have disputed an account with the following collection agency Portfolio Recovery- I am not sure what the debt is for because 1 credit bureaus says its for XXXX XXXX and another says XXXX XXXX  non the less I have never opened an account with either company. I am a XXXX and not only do I share the same name with my dad, I also share it with 2 uncles and a cousin. I want the improperly placed account removed from my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 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: VA

Complaint narrative:
The credit bureau is reporting an account from XXXX on my credit report. I was not notifird from the credit bureau prior to placing this account on my credit report

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 2020-05-12 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: VA

Complaint narrative:
The credit bureau is reporting an account from XXXX on my credit report. I was not notifird from the credit bureau prior to placing this account on my credit report

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 2020-05-12 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:
After careful review of the report I find out accounts which are not belong to me. f you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 
f you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act.

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 2020-05-12 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: CA

Complaint narrative:
After careful review of the report I find out accounts which are not belong to me. f you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 
f you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act.

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 2020-05-12 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:
I been trying to get insurance on my vehicle. Every time I would get a quote it would come back high or ineligible. I have always paid my accounts on time. I decided to get my report pulled and out of surprise there is a lot of things that do not belong to me. Please remove these items from my credit report. XXXX XXXX XXXX XXXX {$2500.00}

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 2020-05-12 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:
I been trying to get insurance on my vehicle. Every time I would get a quote it would come back high or ineligible. I have always paid my accounts on time. I decided to get my report pulled and out of surprise there is a lot of things that do not belong to me. Please remove these items from my credit report. XXXX XXXX XXXX XXXX {$2500.00}

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 2020-05-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
I sent payoffs in the amounts of {$2400.00} and {$3700.00} to pay off both of my capitalone cards. The payments were sent via checks from a title company on XX/XX/2020. CapitalOne cashed the checks and both checks cleared on XX/XX/2020. CapitalOne never credited the payments to my card balances. After verifying the information with the title company I called CapitalOne on XX/XX/XXXX to inquire about the issue. On the first call I was told there was no records of any payments being received, the second time I called I was told there was a hold on the payments because the checks havent cleared. At that point I informed the individual that both checks had cleared on the XXXX and that CapitalOne was already in possession of the funds, then I was told to hold and the line was disconnected. On the third call that day I was able to speak with someone who identified himself as a costumer service manager who told me it was Standard practice for CapitalOne to instantly cash all checks sent to them despite who they are made out to or weather the check is legible. He informed me the money goes into an account and waits for someone to call and say it belongs to them. I provided him with all of my CapitalOne account information, the name of the title company, the amounts of the checks and the date they received them, however he informed me that I hadnt provided him enough information to investigate the issue. I informed him I would be filling a complaint and ended the phone call. Later that night I received a call from CapitalOne attempting to collect payments for the card balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX sent me a debt collection notice for their client PayPal. I do not have a PayPal account, never did, and never buy anything that would offer an option of PayPal. The amount is {$110.00}. There is no date of transaction or description of item purchased. This is the first notice I have of this " debt '', having never received a phone call or bill from PayPal. It went directly to a debt collector. " If I act before XX/XX/2020, they will accept {$88.00}. '' I tried calling PayPal, but they have no phone customer service " because of the corona virus ''. I went to their website, but can not get past the first screen which asks for the member 's account No. and password. I have no account number. That is the problem. When I XXXX XXXX debt collection company I saw similar complaints about this debt collector and PayPal. The address of XXXX is XXXX XXXX XXXX, XXXX, TX XXXX. PayPal was started by XXXX XXXX of course. I have reported this problem to U.S. Senator XXXX and state senator XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
1. On XX/XX/2020 I made a purchase for paper goods through Paypal to a company that turned out to be fraudulent. 
2. Within an hour of discovering the true nature of the company I attempted to cancel the transaction but received no response from the company. 
3. I attempted to obtain a refund through Paypal and was declined and my appeal was refused. 
4. I successfully obtained a refund through my bank ( XXXX XXXX XXXX  ) after proving the transaction was fraudulent. 
5. I attempted to terminate my Paypal account but was refused because my bank requested a return of funds for the fraudulent transaction referred to. 
6. Paypal is asking for me to validate my bank information before terminating my account. I provided such information and it still refuses to terminate. 
7. There is no way to communicate with Paypal except for electronically and all of my attempts to get this matter resolved using this method have failed. Now the electronic communication feature isn't even working.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-12 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:
I pulled my credit to myself for the first time and I have derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX XXXX {$510.00} XXXX  XXXX {$720.00} XXXX XXXX {$240.00} DPT EDXXXX XXXX {$4200.00}

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 2020-05-12 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:
I pulled my credit to myself for the first time and I have derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX XXXX {$510.00} XXXX/XXXX   XXXX {$720.00} XXXX  XXXX {$240.00} DPT ED/XXXX XXXX {$4200.00}

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 2020-05-12 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: MO

Complaint narrative:
A balance is still incorrectly on Equifax, has been properly removed from the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 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: AR

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX {$4300.00} XXXX XXXX {$250.00} XXXX/XXXX XXXX {$48.00} XXXX XXXX XXXX XXXX {$45.00} XXXX XXXX XXXX {$960.00} XXXX XXXX {$3800.00} XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX XXXX {$2300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I filed an FTC report and a Police report on XX/XX/XXXX when I discovered that I had been a victim of identity theft. CAPITAL ONE and XXXX XXXX were notified by each credit bureau that their accounts reporting to my credit file were fraudulent. CAPITAL ONE and XXXX XXXX have NOT responded. It has been more than 30 days. ( EACH ACCOUNT WAS REMOVED XX/XX/XXXX ). 
It has recently come to my attention that CAPITAL ONE and XXXX XXXX accounts have updated on XX/XX/XXXX and XX/XX/XXXX to my credit files and decrease my credit score. CAPITAL ONE and XXXX XXXX have not responded to any of my notices. CAPITAL ONE and XXXX XXXX were removed from my credit files on XX/XX/XXXX due to their non-response. 
It has recently come to my attention that 3 ( three ) accounts were added back to my credit files after removal on XX/XX/XXXX. I was unaware of this until now. I have already contacted each company again individually and I have not received a notice before any account was reinserted to my credit files. This is a violation of the F.D.C.P.A. 
CAPITAL ONE is reporting the amount of {$550.00}. Proper documentation from CAPITAL ONE was NOT provided to MY NAME to allow CAPITAL ONE to verify the accuracy of the data before reinserting their account with the credit bureaus for collection. This account was removed from my credit files on XX/XX/XXXX. There are now 2 ( two ) duplicate accounts listed on my credit files for CAPITAL ONE each with different open dates. 
CAPITAL ONE received an additional notice on XX/XX/XXXX via certified return receipt. CAPITAL ONE has not responded. All information was also forwarded to each credit bureau. 
XXXX XXXX is reporting the amount of {$3500.00}. Proper documentation from XXXX XXXX was NOT provided to MY NAME to allow XXXX XXXX to verify the accuracy of the data before reinserting their account with the credit bureaus for collection. This account was removed from my credit files on XX/XX/XXXX. 
XXXX XXXX received an additional notice on XX/XX/XXXX via certified return receipt. XXXX XXXX has not responded. All information was also forwarded to each credit bureau CAPITAL ONE and XXXX XXXX are each listed as a collection / charge-off accounts and is currently updating in violation of the Federal Debt Collection Practices Act U.S.C. Title 15 1692 et seq. CAPITAL ONE and XXXX XXXX have repeatedly violated the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Village Capital & Investment LLC
State: PA

Complaint narrative:
After a number of years of loan payments to XXXX XXXX  and farmed out to Village Capital, I refinanced the loan with XXXX  XXXX XXXX. The closing was successful, however Village Capital has not refunded our escrow of {$1400.00} after 15 days. Their claim is that it could take up to 30 days to return the money! They were paid in full on XX/XX/2020. This is not fair banking ... they haven't and are not paying interest on this money. Escrow funds should be refunded promptly. They are profiting by holding on to their customer 's money with the excuse that 'it 's their procedure '.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 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: NCB Management Services Inc.
State: SC

Complaint narrative:
I total my car in XX/XX/2018 XXXX  XXXX  an XXXX didnt paid off the car an left a balance. Instead of the car people going after them the came after me. Threatening me about me damaging my credit if the balance aint paid an now a year or so later the sold my information without my consent or knowledge to a company who is harassing me about the balance. Its not my fault they wasnt paid I made my payments on time

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
I received the attached debt collection letter from Transworld Systems Inc at my tenant 's address. The debt is allegedly for a XXXX XXXX from 2012. I did not have a XXXX XXXX in 2012 and the address has been rented to tenant 's for over 10 years. I am unsure as to how this happened but my concern is fraud and identity theft.

Company response to consumer: Closed with explanation