vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I consumer XXXX XXXX have disputed alleged debt several times that CAPITAL ONE states that I owe. CAPITAL ONE refuses to send validation or verification and proof of alleged debt. CAPITAL ONE refuses to send any enforceable documents because they do not have them and they continue to harass myself the consumer about a debt not owed. I am under Article Three Standing of the Constitution for the United States and CAPITAL ONE is in violation for attempting to collect an unlawful debt. CAPITAL ONE is insolvent in this matter. I consumer extended and offered my credit to CAPITAL ONE pursuant to the TRUTH IN LENDING ACT and CAPITAL ONE converted my credit application into a loan application which was done without my consent. CAPITAL ONE has received credit for the consumer credit transactions and when my credit application was converted they made ill gotten gains on credit and did not report it to the IRS which is tax evasion. I will notify the IRS with the proper forms. CAPITAL ONE has taken my private information and misused is leaving myself the consumer no benefit in which is not equitable to myself the consumer. This is criminal behavior conduct by CAPITAL ONE. I do not owe this alleged debt, CAPITAL ONE is a creditor through extension of creditor who is now acting as a debt collect with furnishing false and deceptive forms.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENTAGON FEDERAL CREDIT UNION
State: RI

Complaint narrative:
Pentagon Federal Credit Union : Mortage Loan # XXXX XXXX XXXX XXXX # XXXX Manager : XXXX XXXX XXXX # XXXX The week of XX/XX/XXXX I applied for a VA Loan ith PenFed. 

I went through their process and although their loan officer XXXX XXXX was very slow to everything my realtor and myself were trying to acomplish he would only respond 1-2 times per week. Buying a home is very fast paced and XXXX did not do anything ti alleviate these issues. 

I continued through the process and ultimate paid {$2000.00} is earnest money, and a further {$450.00} for home inspection. 

The loan was ultimately denied with no warning. I would login into the portal and everything seemed fine. It hadn't gone to underwriting. 

Middle of XXXX : We have a deadline of XX/XX/XXXX. I called in to see what else I needed to complete. There was not. In fact no one had reviewed any of the documents that I had uploaded the week previously. I called in and a young lady informed me that i was denied and couldn't tell me why. 

She told me they cold not do seller credits/concessions EVEN though XXXX told my realtor we could. 

So far I am out {$2400.00} during this process. 
{$2000.00} in earnest money. 
{$450.00} home inspection. 
{$85.00} Home Inspection Annd time wasted. 

I escalated this situation to XXXX ' manager, XXXX XXXX XXXX # XXXX. 
he informed that he would return the {$450.00} for the home inspection. 

This afternoon, I emailed XXXX for an update. he informed me that the {$450.00} home inspection reimbursement funds could not be returned at is AN OPTIONAL FEE!! 

Please see the attached document : A PenFed checklist where nothing in there says OPTIONAL. I would not have spent my own money anywhere. 

No where in their doouments did it say anything was optional. 

The lanaguage in teh document states : Property-XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Provide a borrower signed clear termite inspection report and invoice dated within 90 days from closing

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 2022-08-25 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX USBK COURT XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX USBK COURT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-25 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: DISCOVER BANK
State: IL

Complaint narrative:
In XX/XX/2022 I called Discover to inform them that I am moving to XXXX and not to accept any charges since I won't be using my card there. I asked Discover not to honor any of the recurring charges and I was informed that my request will be honored. On my end I also closed all the recurring charge account such as XXXX, XXXX and XXXX since I am moving XXXX Just today I found out that the recurring charges went through ( some of them were even manually entered ) and I was charged for the account I no longer had. Discover refused not to only protect my account which I closed while realizing that the company doesn't care about my safety as cardmember but also to dispute the charges. In the 40 min phone call I spoke with three people and at the end the dispute dept woman told me that she can not even find my account whether by the SS # or credit card number just as if the account doesn't exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CONTRACT CALLERS INC
State: WA

Complaint narrative:
I do not have a contract or gave permission to this company. This debt was paid to the original company. This debt was illegally given to these people against my knowledge until it showed up & I was alerted of it being place upon me. 

There are false addresses placed on my XXXX XXXX report that needs to be removed as well. I tried to remove them but they returned back up on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: MI

Complaint narrative:
CBE Group, as shown on caller ID, called and asked for someone named XXXX XXXX XXXX. That person has not existed for over a decade and thus has no outstanding debt in existence. Calls were also disconnected in an unprofessional manner and call backs were left to ring incessantly, avoiding communication. Debt is older than 10-15 years and no longer owed. Company should be fined and dismantled

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 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: PA

Complaint narrative:
There has been some information that has been reported on my file. I am a victim of identity theft with the incorrect items being put on my credit report. I have reached out to each credit bureau but no changes have been made. This time, I reported the theft of my identity to the Federal Trade Commission 's and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. On a personal level, my family and I have been in the process of making some very life changing decisions to provide a better lifestyle for us. I am a father of XXXX and I would like to provide a home for my family and I, however its been very hard with the incorrect items on this report. I would sincerely appreciate, if this report could be corrected immediately, as it is a hinderance on many levels.

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 2022-08-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Our company was charged {$120.00} on XX/XX/XXXX by XXXX on a Bank of America credit card that was closed in XX/XX/XXXX. The charge was erroneous, XXXX set us a refund via check in XX/XX/XXXX. We were unaware that the charge originated from a Bank of America credit card since our account had been closed since XX/XX/XXXX. 

The Bank of America representative we spoke with on XX/XX/XXXX told us on that companies can make pre-authorized charges to credit cards via " adjustments '' regardless of whether such an account has been closed. 

Is such a practice allowed? If so, why is it permissible for a credit card company to accept such a charge despite closing our account? 

We are being charged interest for this which the bank refuses to waive because it's not a " bank error ''. 

Sincerely, 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 2022-08-25 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: IA

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXXXXXX XXXX, XXXX, XXXX Bank XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Movement Mortgage LLC
State: KY

Complaint narrative:
Movement Mortgage is withholding my escrow closeout payment. They have 30 days to send this refund. I am now at 90 days of waiting. They state they sent 2 checks that were never received at a verified address. I then made arrangements for a direct deposit that was also never received. I then made the same arrangement again and have not gotten my refund. We did not use them for our current home purchase. I now believe they are intentionally withholding this refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 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 — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I received XXXX response once again not addressing any of my concerns and never giving me any proof of the information I am requesting and entitled to by law! 

THIS IS NOT A DISPUT I'M AWARE XXXX  IS NO LONGER THE CREDITOR My account charged off due to nonpayment on XX/XX/XXXX.XXXX  sold my account to XXXX XXXX XXXX on XX/XX/XXXX. XXXX also responded to the disputes I filed with a letters dated XX/XX/XXXX, and XX/XX/XXXX. 
In every single letter I wrote I never disputed the fact XXXX was reporting innaccurate account status or sold/transfer status or ownership. The account charged off and sold was never been a dispute or the validity of such information. 

I have asked XXXX 10+ times what INFORMATION did XXXX use or steps taking by XXXX  to bring my account current from XX/XX/XXXX when I consumer closed the account without payment on that day never making any payment or arrangments on account since XX/XX/XXXX ( {$43.00} ) how then is XXXX reporting payments being made on a account when there was no payments actually being made the balance never decreased after XXXX reported these on time payments. Even after the account was charged off and sold XXXX report 15 additional payments made on account after sold at one time XXXX cerified the information they was reporting was accurate but XXXX was reporting my charged off account as a REPO I had to dispute that among other things XXXX was reporting inaccurate that in fact was not! 

So my question to XXXX I how did my account become current from XX/XX/XXXX when I consumer CLOSED WITHOUT PAYMENT, ALL THE WAY TILL XX/XX/XXXX WHEN ACCOUNT WAS FINALLY CHARGED OFF FOR NO PAYMENT? HOW!!! what method was used and documentation used for XXXX to make these changes to my account? 

I'M AWARE For any additional questions about ownership of my account, please contact XXXX XXXX XXXX at XXXX. 


AGAIN I AM NOT DISPUTING ACCOUNT STATUS ( CHARGED OFF ) OR THE ACCOUNT BEING SOLD ( XXXX  ) THAT IS FACTS I'M REQUESTING INFORMATION THAT XXXX USED INTERNALLY TO MAKE THESE CHANGES TO MY ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have tried disputing this unverified bankruptcy on my credit report for almost two years. XXXX and XXXX got rid of it. They dont have proof of me filing one nor I have lived near the area they say I filed bankruptcy at. I even wrote the alleged court and sent the letter about them not giving information to third parties and they have not deleted this unverified bankruptcy yet. I even screenshotted my other profiles to show proof and they havent deleted this yet. This is hindering me from obtaining near credit and they are violating my fcra rights, and they said they are not reinvestigating this manner.

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 2022-08-25 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: SC

Complaint narrative:
On XX/XX/2022 I sent Experian a notice demanding the deletion and removal of accounts and they still have not obliged. The FCRA and The Gramm Leach Bliley state that consumer reporting agencies may report in accordance with written instructions that comes the consume which is myself. I have now filed an Identity theft report as well as a department of justice complaint because I feel my rights are clearly being violated and these companies make money selling my information.

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 2022-08-25 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: MN

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX ( a ) states I have the right to privacy. 

XXXX XXXX XXXX Section XXXX ( XXXX ) also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-08-25 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: FL

Complaint narrative:
I'm a victim of identity theft. Someone has used my information to receive 16 credit cards with my information and the credit cards are delinquent in payments and charged off, still owing a substantial amount of money. I was notified by XXXX XXXX when I went there to open a checking account that something was wrong with my credit. I never had a credit card and when I sent for my annual credit report it showed me how many credit cards were taken out with my personal information without my knowledge or authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  XXXX Co L Account number XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX Account number XXXX, XXXX XXXX XXXX Account Number XXXX, XXXX XXXX XXXX Account Number XXXX, XXXX XXXX XXXX Account Number XXXX, XXXX XXXX Account Number XXXX XXXX, XXXX XXXX XXXX Account Number XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 it also states a consumer reporting agency can not furnisha account without my written instructions

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 2022-08-25 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: PA

Complaint narrative:
There has been some information that has been reported on my file. I am a victim of identity theft with the incorrect items being put on my credit report. I have reached out to each credit bureau but no changes have been made. This time, I reported the theft of my identity to the Federal Trade Commission 's and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. On a personal level, my family and I have been in the process of making some very life changing decisions to provide a better lifestyle for us. I am a father of XXXX and I would like to provide a home for my family and I, however its been very hard with the incorrect items on this report. I would sincerely appreciate, if this report could be corrected immediately, as it is a hinderance on many levels.

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 2022-08-25 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: PA

Complaint narrative:
There has been some information that has been reported on my file. I am a victim of identity theft with the incorrect items being put on my credit report. I have reached out to each credit bureau but no changes have been made. This time, I reported the theft of my identity to the Federal Trade Commission 's and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. On a personal level, my family and I have been in the process of making some very life changing decisions to provide a better lifestyle for us. I am a father of XXXX and I would like to provide a home for my family and I, however its been very hard with the incorrect items on this report. I would sincerely appreciate, if this report could be corrected immediately, as it is a hinderance on many levels.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 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: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
I received a bill from XXXX XXXX around XX/XX/XXXX in the amount of {$610.00}. I had paid off {$500.00} on XX/XX/XXXX and another {$300.00} on XX/XX/XXXX and disputed the remaining {$190.00} that remained. They had charged me {$30.00} a month for an item I never ordered. I never received another bill from them until this past XXXX. I called them and offered to pay {$200.00} to end the dispute and they refused and contacted a collection agency, Resurgent Capital Services. They in turn sent a demand letter on XX/XX/XXXX which included a copy of my mortgage statement. Please help me resolve this issue quickly, I am a XXXX woman, XXXX years old. Thank you very much.

Company response to consumer: Closed with explanation