vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
THESE ARE NOT MY ITEAMS

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 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:
I applied for a loan today XX/XX/2020 and I did not qualify because apparently there are accounts reflecting badly on my credit report. None of those accounts belong to me and I never allowed anyone to open them in my name. I have no idea who opened these accounts on my behalf without my permission but I have already filed a police report. I did not gain anything from these accounts that were opened in my name without my permission nor did I ever make any payments towards these unauthorized accounts. I do not have any written/verbal contracts with any of these companies.

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 2020-01-15 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:
I applied for a loan today XX/XX/2020 and I did not qualify because apparently there are accounts reflecting badly on my credit report. None of those accounts belong to me and I never allowed anyone to open them in my name. I have no idea who opened these accounts on my behalf without my permission but I have already filed a police report. I did not gain anything from these accounts that were opened in my name without my permission nor did I ever make any payments towards these unauthorized accounts. I do not have any written/verbal contracts with any of these companies.

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 2020-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH

Complaint narrative:
On XX/XX/XXXX, 10 transactions were fraudulently debited from my checking account. These jumped from Kansas to NY to Alaska - it was obvious these were not in my regular behaviors. Two or three times in the past these types of fraudulent transaction were caught by Citizen 's own software before I caught them. In the past my account was credited either immedidately or within a few days. 

I filed a complaint with Citizen 's Bank on XX/XX/XXXX when I discovered this fraud and was given the claim number XXXX. The total amount of the claim was {$5000.00}. 

I opine that this violates the Electronic Funds Transfer Act of 1978 where funds held for verification not exceed three business days. Citizen 's Bank is claiming to me today when I called to check on the claim that they have until XX/XX/XXXX to complete their investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 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: Global Lending Services LLC
State: GA

Complaint narrative:
I did not authorize a hard credit pull of my credit. I only authorized a soft pull. Any hard pull of my credit is to be reduced to a soft pull or removed altogether. 

No authorization was given to have a hard pull of my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I did not authorize a hard credit pull of my credit. I only authorized a soft pull. 

Any hard pull of my credit is to be reduced to a soft pull or removed altogether. 

No authorization was given to have a hard pull of my credit file.

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 2020-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
Portfolio Recovery is reporting as a Factoring Company on all of my credit reports. Factoring is done on current accounts, not those that are in default and have been sold off to a collection agency, which is what this company is. 
Since the company is reporting as a Factoring Company, I would like for Portfolio Recovery to prove that it factored the accounts while they were still current.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I NOTICED IN XXXX THAT A FRAUDULENT ACCOUNT WAS OPENED WITH XXXX  XXXX IN XXXX. I CONTACTED THE FRAUD DEPARTMENT AND PROVIDED AND IDENTITY THEFT REPORT AND AFFIDVIT AND VERIFIED THAT IS WAS INDEED FRAUD AND THE ITEM WAS REMOVED FROM CREDIT REPORT. NOW XX/XX/XXXX I RECEIVED NOTIFICATION THAT LVNV LLC IS REPORTING DEROGATORY INFORMATION TO THE CREDIT BUREAUS ABOUT THE FRAUDULENT ACCOUNT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-15 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: BB&T CORPORATION
State: GA

Complaint narrative:
I did not authorize a hard credit pull of my credit. I only authorized a soft pull. 

Any hard pull of my credit is to be reduced to a soft pull or removed altogether. 

No authorization was given to have a hard pull of my credit file.

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 2020-01-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I PREVIOUSLY SUBMITTED THIS COMPLAINT AND IT WAS MARKED DUPLICATE COMPLAINT BY CAPITAL ONE AUTO AND THAT IS NOT CORRECT Ref # XXXX. 

I am writing this due to noncompliance with the CRA ( XXXX & XXXX  ) They have failed to remove information that was affiliated with personal details that were challenged in the past and removed ( my address ). I strongly believe that they are in violation of the FCRA  and are outright refusing to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax and XXXX are reporting an incorrect filing date on the US BKPT CT  TX XXXX docket number XXXX. The correct Date Petition Filed was XX/XX/2016. ( Please see page attached from my credit report along with a copy of the filing information. ) This incorrect reporting is harming my credit score and these line items need to be removed and/or updated to report accurate information. I have contacted the ( 2 ) bureaus to update this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: PA

Complaint narrative:
I work for a company, this company has a dispute with the merchant and merchant did't get paid. 

All the invoices and Bills of Service has the company name but the merchant report my personal information to the credit reporting companies

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 2020-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
This is a two party complaint against Capital one bank and XXXX XXXX. On XX/XX/2019, I made a {$250.00} transfer from XXXX XXXX  going through XXXX to XXXX XXXX XXXX at Capital One. I was told from XXXX that their was an error in the number but that it had been corrected and the monies was placed in her account on XX/XX/19. I called numerous times to Capital one and my daughter, and XXXX to no avail, no one wants to return the {$250.00} that neither one of us received, putting the blame on the other bank. The money was found but is in limbo and as of today XX/XX/2019, we have still not received the funds. 

Capital One bank General correspondence/complaint XXXX. XXXX  XXXX XXXX XXXX XXXX, UT XXXX CapitalOne.org XXXX XXXX complaint ID XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing this due to noncompliance with the CRA ( Experian ) They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. 

I provided Experian my state id 's with the following address and dates I have resided there : XXXX XXXX XXXX, XXXX XXXX, FL XXXX from XXXX & XXXX XXXX XXXX XXXX , XXXX , FL XXXX XX/XX/XXXX-Current Please remove all other addresses associated with my file.

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 2020-01-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
THESE ACCOUNTS ARE NOT MINE

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 2020-01-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have an account with Macys/DSNB acct # XXXX which I opened in XX/XX/XXXX never had any issues with it. I made a payment to the card in XX/XX/XXXX to pay off my balance in full. To me I this account was paid down to XXXX  once my payment was applied. It seems the interest generated of {$0.00} which I was not aware of since to my knowledge the payment bought the account to XXXX. 

I tried tirelessly to resolve this matter with Macy 's direct. I even paid the fees which have occurred since then.

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 2020-01-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: AFNI INC.
State: DC

Complaint narrative:
AFNI, XXXX credit provided a leased vehicle in XXXX with monthly payments. After 6 months of payments, the car which was on my private property was suddenly taken without any notice. Upon calling XXXX, I was informed that they did not have the loan number. Upon calling XXXX XXXX XXXX, I was informed that the Bank has not bough the loan from AFNI. Further, XXXX did not provide any copies of the documents after there was a robbery on the premises where all the documents were taken. 

Having opened suit in DC Superior Court for trespass and breach of peace which is based on the supposed default of the loan. If I did default, there has to be notice provided by the creditor on the terms and possible repossession of the vehicle. The calls as provided by the credit company do not indicate why there was no evidence of the default. After 5 months, the car is taken from the driveway without informing the leasor prior to being in Court for an important hearing which she is plaintiff. Ad the credit company contends that the loans were agreed upon by the parties and there has been no bank involvement, the vehicle has been taken by breach of peace and XXXX has committed trespass. These facts have been provided at mediation and AFNI says it has documents which prove that there is a deficiency that has to be fulfilled. Under DC consumer laws, Im requesting that my rights to be provided notice on a loan within 30 days of any possible default is protected. I also have not been provided any notice of the car being repossessed, auctioned or any activities by XXXX from XX/XX/XXXX - XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 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: FACTUAL DATA CORP.
State: GA

Complaint narrative:
I did not authorize a hard credit pull of my credit. I only authorized a soft pull. 

Any hard pull of my credit is to be reduced to a soft pull or removed altogether. 

No authorization was given to have a hard pull of my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 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: BMW Financial Services NA, LLC
State: GA

Complaint narrative:
I did not authorize a hard credit pull of my credit. I only authorized a soft pull. 

Any hard pull of my credit is to be reduced to a soft pull or removed altogether. 

No authorization was given to have a hard pull of my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 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: American Credit Acceptance, LLC
State: GA

Complaint narrative:
I did not authorize a hard credit pull of my credit. I only authorized a soft pull. 

Any hard pull of my credit is to be reduced to a soft pull or removed altogether. 

No authorization was given to have a hard pull of my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 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: TX

Complaint narrative:
XXXX  and Experian are reporting an incorrect filing date on the US BKPT CT TX XXXX docket number XXXX. The correct Date Petition Filed was XX/XX/2016. ( Please see page attached from my credit report along with a copy of the filing information. ) This incorrect reporting is harming my credit score and these line items need to be removed and/or updated to report accurate information. I have contacted the ( 2 ) bureaus to update this however, I have not been successful.

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 2020-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: CA

Complaint narrative:
I contacted Lexis Nexis last week. I asked Lexis Nexis to suppress my information because a lot of what is on there is erroneous. I submitted my information 3 times online for suppression. This was not done.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I did not authorize a hard credit pull of my credit. I only authorized a soft pull. 

Any hard pull of my credit is to be reduced to a soft pull or removed altogether. 

No authorization was given to have a hard pull of my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: IA

Complaint narrative:
I originally logged a ticket with the CFPB against LakeView Loan Servicing LLC. on XX/XX/2019 with the CFPB. On XX/XX/2019 the " resolution '' was to refund the amount due to me and sent via mail. After speaking to a representative shortly after they said I would receive a check within 6-8 weeks. It is now 20 weeks past when this was " resolved '' and have not received a check or any response from the 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 explanation
Consumer complaint received 2020-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I did not authorize a hard credit pull of my credit. I only authorized a soft pull. 

Any hard pull of my credit is to be reduced to a soft pull or removed altogether. 

No authorization was given to have a hard pull of my credit file.

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 2020-01-15 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA

Complaint narrative:
I did not authorize a hard credit pull of my credit. I only authorized a soft pull. 

Any hard pull of my credit is to be reduced to a soft pull or removed altogether. 

No authorization was given to have a hard pull of my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: 2288984 Ontario Inc.
State: CA

Complaint narrative:
I have a payday loan with Moneykey that was obtained online several months ago. Due to an IRS tax obligation, I had to revoke the ACH authorization privileges on my account and begin making manual payments over the phone with a representative. Due to the fact that Moneykey was not able to receive twice-monthly payments from my checking account, they eventually converted my account to an in-house collection and attempted to set up payment arrangements with me for same. I have ALWAYS stayed in contact with Moneykey and have CONTINUED to make payments towards my account when funds are available to me, however they will not work with you on a payment plan that makes financial sense to their customers. I have informed them numerous times ( on recorded phone lines ) that I intend to pay this debt and will call them every couple of weeks in order to keep the lines of communication open and have EVERY SINGLE COMMUNICATION written down and accounted for in order to ensure they are not attempting to blur federal lines with their collection tactics. In the past, they have contacted my son and forcefully asked him to TEXT ME to call them, they have called my place of employment even though I had spoken to them earlier in the day. All of the collection tactics are harassing and highly unnecessary when I keep in CONSTANT contact with them. When they e-mail me, I immediately respond and have a record of every single e-mail communication in a special folder due to the fact that I can not trust them. This morning, they contacted a reference on my application and left a voicemail on her answering machine asking her to get in contact with me to call them. THIS IS UNACCEPTABLE AND UNNECESSARY when I have never disappeared from their radar and continue to communicate with them AND PAY MONEY towards this debt. Moneykey needs to cease and desist from contacting my employer, my office, and my references immediately. As a matter of fact, I made a payment to to them 6 DAYS AGO on XX/XX/2020. Why do they need to harass my references when I just recently made a payment?? Please assist me in making this harassment stop. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 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: Avantus, LLC
State: GA

Complaint narrative:
I did not authorize a hard credit pull of my credit. I only authorized a soft pull. Any hard pull of my credit is to be reduced to a soft pull or removed altogether. No authorization was given to have a hard pull of my credit file.

Company response to consumer: Closed with explanation