vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-21 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: RI

Complaint narrative:
After submitting my dispute to both experian and XXXX XXXX XXXX XXXX claims they did a fraud investigation and verified a fraudulent item as mine. 

8/2020They sent me a HUGE envelope from their legal counsel XXXX and XXXX XXXX possibly intimidation tactic ) with just pages and pages of this fraud accounts statements mailed to an address I NEVER LIVED AT. How can statements of an account to a fraudulent address be proof?? I am a XXXX veteran and it is a shame to be treated like this. 

XXXX XXXX is continuing to report a fraudulent account to my Experian credit report. I am a victim of ID theft and have sent my ID docs, ftc affidavit, id theft report and all required information to both them and Experian along with my XXXX FCRA request to block this fraudulent information from my report. XXXX Equifax and Transunion have complied already XXXX. XXXX XXXX is claiming they can not contact me which is a lie because they have all my information and also there should be no reason to contact me if they were in accordance with the FCRA. THey are in strict violation of the FCRA and this must be fixed.

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 2020-08-21 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: FC HoldCo LLC
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX & XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late 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 2020-08-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: MO

Complaint narrative:
I was a customer of XXXX for a total of 23 years. I moved to a subdivision that doesn't allow a dish. I called XXXX to explain and they said I had to buy out my contract. Again I was with 23 years, I paid my contract. I talked to a manager and he would not drop the buy out. It has been two years and they keep turning it over to a collection agency and it is still affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I received an email from Capital One that stayed that my credit limit had been decreased because I do not regularly use much of the credit available to me. I checked my account and both of my cards had their limit decreased. I was only notified about XXXX. I called the company and explained to them that I am in the process of refinancing my mortgage and that this could potentially be catastrophic for my personal finance. I reminded them that I have been an account holder for years and never missed a payment. I asked them if there was anything we could do to restore the limit. They said there was nothing I could do. When I asked for details on how the decision was made they told me to read the email that was sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/2020 I received my statement and there was a charge that I questioned. Two days later I received notice from Capitol One that my account was closed. On XX/XX/XXXX I sent Capitol One the balance I owed, {$500.00}. On XX/XX/2020 I received a bill from Capitol One. I sent them notice that they ( Capitol One ) had closed my account in XXXX. 
In XXXX, and XXXX I again received a bill and again I sent them notice that they had closed my in XXXX. I have never received any reply from Capitol One.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the XXXX XXXX Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a XXXX XXXX for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: MA

Complaint narrative:
Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 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: PA

Complaint narrative:
i summited an issue where an account was reporting more than once and i have a look into the matter and it was not fix.

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 2020-08-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: KEYCORP
State: WV

Complaint narrative:
I received a KeyBank XXXX unsolicited. This is a known scam in West Virginia. I have not activated card

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 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: PA

Complaint narrative:
i summited an issue where an account was reporting more than once and i have a look into the matter and it was not fix.

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 2020-08-21 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: PA

Complaint narrative:
i summited an issue where an account was reporting more than once and i have a look into the matter and it was not fix.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I've been a homeowner since XXXX inspit of working to make minimum wage. My original mortgage was with Wells Fargo in XXXX under a special program. Within 3yrs I had to refinance in XXXX with Wells Fargo and again in XXXX. However, in XXXX Wells Fargo put me in a 40yr Adjustable Rate ( I just recently found out when they initiated the foreclosure process ) I immediately filed a complaint with Wells Fargo for " Predatory Lending '' in the branch and w/ XXXX XXXX over the phone on XX/XX/XXXX. I was told they would expedite my concerns. I never got a Satisfactory Resolution and my property was Sold By Foreclosure Attorney XXXX XXXX XXXX XXXX on XXXX. Wells Fargo simply ignored my Valid Claim of Predatory Lending. I'm without funds to afford an attorney to fight for me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2020-08-21 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:
I was a victim of identity fraud. Someone obtained an auto loan with XXXX using my identity and I have filed a police report and met with a police officer to give all the details. 
The XXXX auto loan is still being reported in my Experian profile as a collection/chargeoff and it's affecting my overall credit profile. 

I have filed a complaint with XXXX and Experian, but Experian is still reporting. 

Please help.

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 2020-08-21 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: VA

Complaint narrative:
I was a victim of identity fraud. Someone obtained an auto loan with XXXX using my identity and I have filed a police report and met with a police officer to give all the details. 
The XXXX auto loan is still being reported in my XXXX  profile as a collection/chargeoff and it's affecting my overall credit profile. 

I have filed a complaint with XXXX and XXXX, but XXXX  is still reporting. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 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: IL

Complaint narrative:
Experian despite being set up on payment arrangements with XXXX XXXX  and under the CARES act did not report my account as current from XXXX to present. Per Fair Credit Reporting Act inaccuracies should be removed.

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 2020-08-21 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: I.C. System, Inc.
State: IL

Complaint narrative:
I have received multiple calls from IC systems day after day. It interrupts my day and has become very frustrating. The number that I call back to resolve this debt says the number is not in service. Which is also very frustrating in order to try and resolve this debt.

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 2020-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
I am not familiar with that debt at all and I told them that. They still saying i did it but I have no idea where the debt came from and the was not able to tell exactly where it came from.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX  despite being set up on payment arrangements with XXXX XXXX  and under the CARES act did not report my account as current from XXXX to present. Per Fair Credit Reporting Act inaccuracies should be removed.

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 2020-08-21 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: IL

Complaint narrative:
XXXX  despite being set up on payment arrangements with XXXX XXXX  and under the CARES act did not report my account as current from XXXX to present. Per Fair Credit Reporting Act inaccuracies should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX agency is appearing on my credit report again. I have disputed with credit bureau. The XXXX still hasnt validated the account was mine and I asked it to be removed And it was from XXXX XXXX but is appearing again on XXXX XXXX and Experian and XXXX. This is hurting my credit report and need to be removed

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 2020-08-21 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Neighborhood Capital Funding, Inc.
State: FL

Complaint narrative:
I purchased my condo threw habitat for humanity about 10 years ago. Habitat  sold my mortgage to a company called affiliate mortgage services on XX/XX/2020. As a 5 unit condo in Florida our association never required us to have a HO6 policy. The new lender is now requiring it. XX/XX/XXXX I received my first letter informing me to purchase ho6 ins and the second letter was XX/XX/XXXX. I purchased HO6 insurance on XX/XX/XXXX and provided it to AMS. Affiliate mortgage services is stating I owe them for the months of XXXX, XXXX, and XXXX. I have requested a copy of the policy and a canceled check proving I have forced placed insurance in place and I have not received any formal documentation other than a statement saying I owe them money. Also Id like to add ho6 insurance is not required in the state of Florida, it was not required by the previous lender and was not required by the condo association. As none of the 5 units have had ho6 in the past 10 years. I feel like this company is doing this to every homeowner in the keys as they have purchased all of habitat for humanitys mortgages. Thats thousands of homes and homeowners they are doing this to, not to mention we were on a stay at home order in XXXX. I think this company is trying to make a ton of money on unsuspecting people who were never required to even have this type of coverage. I would appreciate any help you could give. Thank you.

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 2020-08-21 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: OH

Complaint narrative:
I called Experian from XXXX until XXXX requesting to have information removed from my credit report due to unauthorized. Fraud, Or incorrect information I am a victim of XXXX  breach of data. So I am not sure what information has been breached regarding my identity or personal information. I found several major mistakes with unrecognized reporting, and name as well as addresses. I requested to have them removed from my credit. Instead of removing the information the credit bureau updated to my current information. And so information was stated updated but left the same under my report. I want Experian to completely remove the incorrect information as requested under the circumstances. I will attach documents showing what what done to this complaint.

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 2020-08-21 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: NJ

Complaint narrative:
Hello I have a Citi card - In my XXXX statement payable on XX/XX/2020 I had a balance of XXXX. On XX/XX/2020 I had a refund of {$980.00} from the airline for a cancelled ticket and this was credited to my credit card account. As this was credited before the bill payment date and the amount was more than the bill amount - we expected this to be a payment received before the due date and did not pay anything more towards this bill. We were surprised to find a late payment fee of {$29.00} being charged on XX/XX/2020 - we called the card company and they said even if other credits are there, she has to pay the minimum amount to avoid the late fees. After much argument they agreed to reverse the entry. Today I used the card in a store and it was rejected. On calling the Card company, we were told that the card has been inactivated as no minimum payment was received. We have made the minimum payment now. We felt this was an unfair trade practice and would like to complain against this. Request you to take action so that it does not happen in the future. Thanking you

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 2020-08-21 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: AR

Complaint narrative:
In XX/XX/2020 I disputed the XXXX XXXX  entry reflected on my credit reports with XXXX  and Transunion Credit Bureaus. Both bureaus alleged that XXXX had verified, yet not validated the debt. To that end, in XX/XX/2020, I sent XXXX a dispute letter requesting debt validation ( See attached copies ). XXXX is in receipt of the letter due to me not ever receiving it back as returned or undeliverable ; however, to date, they have opted to not respond. 

This is a blatant violation of my consumer rights given XXXX never sent me a dunning letter prior to inserting this derogatory entry on my credit reports. I have never done business with this company. Additionally, the reporting among XXXX and Transunion differs. The continuous negative reporting of this entry on my credit reports does not reflect my creditworthiness and has led to me being denied credit. 

Since XXXX did not provide : An agreement that states their authority to collect on this alleged debt ; Agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor Alleged account number Date this alleged debt became payable Original delinquency date Verification that this debt was assigned or sold to collector Complete accounting of alleged debt How then are they reporting this information as if it is accurate? 

I am requesting that this entry be deleted/removed immediately from my credit reports due to their failure to follow FCRA, FDCPA, and FDBA.

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