vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-30 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: Exeter Finance, LLC.
State: CA

Complaint narrative:
Re : Unauthorized credit inquiry I am writing to request the removal of an unauthorized credit inquiry on my XXXX, XXXX  and XXXX credit Report. 

My latest credit report shows a hard inquiry from your company. Ive had a security freeze and fraud alert on my credit file since 2007. According to the FCRA data furnishers are responsible for reporting accurate credit information. The FCRA also states a potential creditor must adhere to FCRA fraud protection guidelines. 

As a consumer I have done my due diligence to seal my credit file. Utilizing the credit freeze feature and fraud alert feature. Your company is in violation of the Fair Credit Reporting Act. My credit file was accessed illegally by your company. My credit file clearly states a company must contact me via phone to ask identifying questions. 

Your company allowed someone to gain access to my credit file to apply for credit I did not authorize. Please remove unauthorized inquires from my credit file. I would appreciate a copy of my credit file once this issue is resolved. 


Unauthorized account information below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or missing disclosures — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I went to Bank of America to cash a check that was issued to me from a client. Upon me attempting to cash the check, I was advised by the teller that she could not cash it. She went on to state that she could not cash the check, because I'm what they consider a NON-ACCOUNT HOLDER and it was over the limit for a NON-ACCOUNT HOLDER. That I would have to open an account with them or go to the bank that I bank with. I advised her that this was not legal. That if the check was drafted on a Bank of America check, and the funds are available, then she had to chase it. I then redirected myself to the branch manager hoping he could shine some light on this. I requested this policy in writing, because I knew it wasn't a law. She could not find it, however she still would not cash a legal draft. When have it come to in banking that they can force you in opening an account to get money that you have worked for or deposit your money when you are not willing to do so. This is not legal for them to do.

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 2020-05-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
I usually pay this credit card in person at the store, and due to the COVID-19 Pandemic it was not possible. The website is not working, and when I log in it tells me that my user and password are not valid. After repeated attempt, I submitted my payment over the phone the same due date. After paying my balance in full on the due date, the next day I was charged a late payment fee with interest added. My previous balance {$37.00}, paid in full, assessed late fee of {$27.00}, and added interest of {$1.00}. 
The online website is not user friendly and does not easily allow me to sign in and pay online, I explained the software system problem to Victoria 's Secret credit card and spoke to all those in charge about this system problem and all of them refused to help me. 
Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S ACTIONS AND MY CREDIT FILE HAVE BEEN LEFT TO SUFFER THE CONSEQUENCES. IT HAS BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A DAMAGED STATE. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT FILE AS SOON AS POSSIBLE. PLEASE KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY 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 2020-05-30 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Financial Business and Consumer Solutions.
State: OH

Complaint narrative:
FBCS Consumer contact solutions, a debt collection company in Pennsylvania at XXXX XXXX XXXX XXXX, XXXX XXXX, in XXXX, PA XXXX sent me a letter about an old medical debt from 2012 ( I live in Ohio, so the statue of limitations, per my understanding, for medical debt in my state is 6 years ). I disputed this debt way back then, as per my insurance at the time I should not have had to pay anything. Suddenly, 8 years later I receive this collection notice. The acct # is XXXX and the original creditor was XXXX XXXX XXXX XXXX, and that original acct # is XXXX for the amount of {$620.00} ( which is an incorrect amount, as the amount they originally tried to charge me for was {$500.00} something, which I disputed almost a decade ago ). I just want to make sure this company FBCS doesn't attempt to ding my credit score ( which, per my understanding, they can not do on a debt this old ), or illegally attempt to take me to court ( which would result in them violating Ohio collection laws, per the statue of limitations on these kinds of debts, and most likely result in a counter lawsuit for punitive damages ). I've gone through the CFPB before on things like this, and the CFPB can usually nip these things in the bud before they escalate. I also sent a request to FBCS disputing this and requested an itemized statement, which they failed to provide. Thank you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: NC

Complaint narrative:
On XX/XX/2020, at around XXXX-hours Eastern, I attempted to sign-up for an XXXX account. A part of this process was linking my PNC Bank account. The effort failed, with XXXX stating that " PNC has made a change that prevents you from being able to link your accounts ''. No call from Fraud Protection. Other than an automated email saying that received the request, no communication at all. This is my account, I provided valid credentials for XXXX to access it. It's not up to PNC to decide if I can, or can not, access my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CT

Complaint narrative:
I have 2 issues with XXXX loan company ( myloancare ). 
# 1 The mortgage loan was transferred from XXXX XXXX XXXX in XXXX ( i think ). When XXXX acquired or purchased the mortgage, they made a mistake on the house number which is XXXX, and they have it as XXXX, which is incorrect! I have been trying since XX/XX/2020 to have this corrected. I sent them an email after reaching someone on the phone there named XXXX who told me how to email and send documentation of the correct house number. So I sent a copy of a tax bill with an email explanation to the email address she gave me. NOTHING has happened! I have also gone through their website after creating an account and asked for action on this problem last week and this week, but I get no call-backs. Only a recorded phone call asking me to call, and then a message about COVID-19 and problems with making mortgage payments and how to apply for help.

# 2 A property management company is paying the mortgage as  they are handling the rental since I am in CT and my house ( which I want to move into in a month ) is in CA. I am also trying to get XXXX loan company to contact XXXX XXXX because they mailed the last mortgage payment with the ticket on XX/XX/2020 and it has not been received. I have given permission for XXXX to communicate with XXXX through XXXX on my account. XXXX can not issue a new check without talking to each other, and XXXX is not responding. Needless to say I am very frustrated with both issues.

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 2020-05-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: BANK OF THE WEST
State: CA

Complaint narrative:
I signed up for a forbearance plan with Bank of the West and was told I would have 90 days of payment extension and now the bank is calling me saying Im missing payments.

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 2020-05-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
Santander Consumer USA does not report my monthly car loan payments to XXXX, XXXX  and XXXX. Nothing shows on my credit report about any payments being made to Santander Consumer USA.I have been paying Santander {$340.00} a month  since XXXX and no payments have been reported.I have contacted them twice. The first time ( XX/XX/20 ) they told me they always report everything. The second time ( XX/XX/20 ) they told me he didn't know if they reported it and he didn't have access to see it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I just want to be able to invest my money into certain companies and because PNC has issues or something with them ( XXXX XXXX XXXX  XXXX ) and they won't allow me to connect my accounts. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Millco Management
State: AL

Complaint narrative:
XX/XX/XXXX {$1200.00} XX/XX/XXXX $ XXXX {$1200.00}, XX/XX/XXXX {$420.00}. These accounts as cause me financial ruin. I have no knowledge of these accounts. They are result of identity theft

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
I have already filed a police report for someone using my ID to open up fraudulent accounts and putting things in my name. Please see the FTC ID theft report. Please delete this fraudulent account at once. I also had a fraud account from Portfolio Recovery Assoc for an account XXXX for the amount of XXXX. I have never had or done any business with this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-30 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: AmWest Funding Corp.
State: CA

Complaint narrative:
HI, In XXXX once the stay home order was issued in california, and as a realtor i lost all my listings and business. I emailed my loan company amwest mortgage. I told them I can't make XXXX payment, please help. They finally responded after a few emails in late XXXX and said they didn't get the emails and now would agree to defer XXXX and XXXX, and add it to the next 4 payments starting in XXXX. I told them thats a crazy amount, i want to pay in XXXX since real estate takes a few months to sell again, and move the XXXX, XXXX, and XXXX payments to the end of the loan. They don't respond. Please help. all other banks are doing this or lowering rates and payments like a loan mod. I have never been late and was pro-active here reaching out. They also added a late fee, and have continued predatory lending saying the investor doesn't care about covid-19

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I have sent numerous requests to Transunion, XXXX, and XXXX   to remove the inaccurate addresses off of my report and they sent dispute results back as verified but did not delete anything. You can't verify an address when I have provided the proof of address through my bank statement on where I currently reside and employed. They are reporting the following inaccurate addresses : XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TN XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30 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: CA

Complaint narrative:
-My wife and I had separate accounts with XXXX XXXX, XXXX. XXXX XXXX XXXX, Nevada. 

-Due to hardship circumstances we declared a Chapter XXXX Bankruptcy ( BK ) in XXXX. 

-Under the BK rules all creditors were asked to file " Proof of Claim ''. 

XXXX XXXX filed two ( 2 ) proof of claims ; one in the amount of {$380.00} ( act # xxxx xxxx xxxx XXXX and the other for {$330.00} ( act # xxxx xxxx xxxx XXXX. ) -Under the Court approved plan, both amounts were paid in full on XX/XX/XXXX ; a total of {$710.00}. Thus the debts were satisfied and discharged by court decree.

-However XXXX XXXX sold the debts to their own Collection Company ; XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, SC. 

-LVNV has reported the debt to all agencies as delinquent, thus negatively affecting our credit score. Moreover, XXXX has been harassing us in an attempt to collect the debt which was paid and we no longer owe. 

We are seniors on fixed income trying to get a fresh start. 

Please help us. Thank you 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 2020-05-30 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: MS

Complaint narrative:
I have sent numerous requests to XXXX, XXXX, and Experian to remove the inaccurate addresses off of my report and they sent dispute results back as verified but did not delete anything. You can't verify an address when I have provided the proof of address through my bank statement on where I currently reside and employed. They are reporting the following inaccurate addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TN 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 2020-05-30 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S ACTIONS AND MY CREDIT FILE HAVE BEEN LEFT TO SUFFER THE CONSEQUENCES. IT HAS BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A DAMAGED STATE. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT FILE AS SOON AS POSSIBLE. PLEASE KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY 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 2020-05-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
Capital One has repeated denied transactions due to their fraud screening even after identity verification. I admire progress in companies flagging transactions " out of profile '' but Capital One has denied my last 4 ( all ) transactions in less than a week. All of which, I either verified my identity via their procedure, or attempted to do so. After being flagged repeatedly ( I actually gave advance notice of the 3rd transaction while verifying the 2nd charge and was still blocked ), I have been asked to provide further verification. 
Of greater to interest to you, is not only is this inconvenient, but when I tried to file a complaint with Capital One, I was told it was another department and I could not file a complaint until I went thru a higher level of identity verification ( which could take days ). 
I was of the opinion that any consumer could file a complaint, even if I was not an existing customer of the institution? I believe this is a direct violation of one or your existing rules. I additionally tried Capital One 's mobile site & website and did not find filing a complaint on either site intuitive.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
XX/XX/2014 {$18000.00} This account is an result of identity theft. I have no knowledge of this account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Account with XXXX XXXX XXXX was opened in my name fraudulently. Have notified XXXX via phone and provided a statement. This is the second time i've disputed this information and it still reports to my credit report. Balance of {$1300.00} nor the account belong to 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 2020-05-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: NC

Complaint narrative:
Account with Discover Financial Services was opened in my name fraudulently. Have notified Discover via phone and provided a statement. This is the second time i've disputed this information and it still reports to my credit report. Balance of {$1300.00} nor the account belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AR Resources, Inc.
State: AL

Complaint narrative:
XX/XX/2016 {$360.00} I have no knowledge of this account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENOVA INTERNATIONAL, INC.
State: TN

Complaint narrative:
repeated phone calls in which I do not know this company nor have any ties to this company ( CashNetUSA ). 
XX/XX/2020 from XXXX XXXX XXXX XXXX XXXX voicemail no message XX/XX/2020 from XXXX XXXX XXXX XXXX XXXX no message XX/XX/2020 from XXXX XXXX XXXX XXXX XXXX no message XX/XX/2020 from XXXX XXXX XXXX XXXX XXXX XX/XX/2020 from XXXX XXXX XXXX XXXX XXXX XX/XX/2020 from XXXX XXXX XXXX XXXX XXXX XX/XX/2020 from XXXX XXXX XXXX XXXX XXXX XX/XX/2020 from XXXX XXXX XXXX XXXX XXXX XX/XX/2020 from XXXX XXXX XXXX XXXX XXXX XX/XX/2020 from XXXX XXXX XXXX XXXX XXXX I texted them that I am on the Do Not Call list and ask them to stop calling me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30 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 HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S ACTIONS AND MY CREDIT FILE HAVE BEEN LEFT TO SUFFER THE CONSEQUENCES. IT HAS BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A DAMAGED STATE. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT FILE AS SOON AS POSSIBLE. PLEASE KEEP IN MIND THAT THE ACCOUNT DOES NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME.

Company response to consumer: Closed with explanation