vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-25 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: NJ

Complaint narrative:
XX/XX/2022, Capital One Bank has closed my 3 credit cards with no valid reason with no notification. my total credit card limit was {$8100.00} and available balance was {$6500.00} on total 3 credit cards, i have my auto payment set up to accounts. 

cancelling credit cards will affect my credit score will decrease huge point which i find not fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I worked with XXXX and has 2 accounts with XXXX XXXX removed from my credit report. I now have 2 new credit cards with XXXX XXXX in good standing. All of a sudden Portfolio Recovery started collecting on a XXXX balance which I never owed to XXXX XXXX. I never received a notice to dispute. It was just on my credit report and then I started to get a ton of calls. They said well we bought it and you owe it. That was that. Is this even legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I sent a identity theft report twice to XXXX, XXXX, and Transunion and these fraudulent accounts and inquiries are still being report, I am a victim of identity theft I demand these unauthorized items be deleted.

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 2022-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
hello i reviewed copies of i credit report and i have noticed charges that i did not make or authorize i am a victim of identity theft

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 2022-01-25 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: PA

Complaint narrative:
On XXXX of 2020 I entered into a consumer credit Transaction with XXXX. They Then Illegally reached out to EXPERIAN to access my personal information and left an Inquiry on my consumer report. I was never provided my Disclosure to OPT out of my personal information being shared, and my credit score has dropped because of reporting between XXXX and EXPERIAN who is a third party in this Transaction. My credit score has dropped and has caused me mental stress and am now unable to obtain a Home due to my score dropping. Me and my family now have to look for a primary dwelling since XXXX and EXPERIAN have damaged my reputation. This has cause me and my children a great amount of stress and worry. Federal law States EXPERIAN may not report my nonpublic personal information as stated in 15 USC 6802, and any information regarding my relationship with AFFIRM, be deleted permanently from my EXPERIAN consumer 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 2022-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: FL

Complaint narrative:
I have noticed a collection account on my credit report that is not accurate and does not belong to me. I have reached out to the collection agency to provide validation of debt. They have provided me with a copy of final credit card statement in what appears to be my name but the debt is not mine. I've asked for a signed contract or any other validating documents that proves that this is my debt, but the company has not furnished these items and continues to report this item on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 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: GA

Complaint narrative:
On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 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: GA

Complaint narrative:
On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 non-monetary relief
Consumer complaint received 2022-01-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: VA

Complaint narrative:
Back in XX/XX/XXXX I receive a letter from HSBC Bank USA that all my accounts with HSBC Bank USA will be transferred to XXXX XXXX due to a recent acquisition of HSBC US by XXXX. Since then I have got several letters with information how all my accounts incl my XXXX XXXX Account will be transferred to XXXX by XX/XX/XXXX. 
We are now getting closer to the actual date of transfer to XXXX XXXX which will take place around XX/XX/XXXX. Despite what all the information letters I have gotten from both banks shows, I now yesterday and today by coincidentally speaking with HSBC customer service on other mattersXX/XX/XXXX find out that my XX/XX/XXXXAccount with HSBC will not be moved to XX/XX/XXXX something I have not been informed about elsewhere. HSBC can not give me any explanation why this is now the case and they tell me they can not change this. This is a very unfortunate situation to put thousands of clients in ( I am sure I am not the only one in entire US having this problem now ) because I will now have to deal with two banks in my daily life going forward instead of one which is completely against my will and might also more long term affect my credit scores negatively. A negative effect on my credit score from this potentially could have substantial economic impact on me due to an acquisition and joggling of clients bank accounts between HSBC and XXXXXX/XX/XXXXwhich is completely out of HSBC clients hand and we have no say against it. I find this random joggling with trusted and good customers bank accounts and credit cards between two banks very critical and completely unacceptable and can impact bank clients substantial negatively both short term and long term. Therefore I kindly file this compliant which I very much hope and would be very thankful if FTC would take up, go into and try to solve so HSBC clients do not end in this bank account and credit card limbo being randomly split from one bank into two banks in the daily life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 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: CO

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 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: CO

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 non-monetary relief
Consumer complaint received 2022-01-25 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XX/XX/2022. I recived an alert from XXXX that Synchrony Bank had checked my XXXX credit report. 

The following is the credit inquiry listed on my XXXX report : SYNCHRONY ACCOUNT REVIEW DATE : XX/XX/2022 Institution Information SYNCHRONY ACCOUNT REVIEW XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX I attempted to reach out to Synchrony Bank several times on XX/XX/2022 and spoke with multiple representatives. I was transferred back and forth between the fraud team and the customer care team. I was able to speak to " XXXX '' with the fraud team who advised me there was no applications in process with Synchrony Bank. I also verified with XXXX that no reviews were done on any accounts. " XXXX '' advised me to reach out to the credit agency who alerted the inquiry. I have notified XXXX that the inquiry is fraudulent. The number listed on the inquiry ( XXXX ) is a number I am unable to reach, the phone line just keeps ringing. 

This fraudulent inquiry continues to remain on my XXXX report. This inquiry is UNAUTHORIZED. I hereby demand Synchrony Bank to notify XXXX of the removal of the inquiry. 

This inquiry violates the FCRA under section 605B ; results from identity theft. 

Please notify XXXX to remove the unauthorized inquiry.

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 2022-01-25 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: Pendrick Capital Partners
State: CO

Complaint narrative:
I sent the company a validation of debt to prove that the alleged debt they say I owe belongs to me and they sent me back a couple of bills and I dont recall any services with this company and theyre reporting the debt on my consumer report by this company illegal action this a clear HIPAA violation and identity theft since I never gave the company permission to put anything on my consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Hello, I received the attached dispute results from Experian and decided to exercise my consumer rights under the FCRA, section 611 ( a ) ( 6 ) and ( 7 ) requesting the method of verification. 

Experian has yet to provide the method of verification used to determine the accuracies of the attached accounts they deemed verified and that any automated response or e-Oscar verification is unacceptable. 

I requested that 1. The description of the procedure used to determine the accuracy and completeness of the information.

2. Name, address, and telephone number of each person contacted regarding this alleged account.

3. A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Experian has still not provided this information and it is now well over 15 days. They are now in violation of FCRA. 

FCRA 611 ( a ) ( 7 ) provides : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Experian has yet to do so, only providing me a generic letter via email, that is also attached, with none of the above requested information that has to be provided according toFCRA, section 611 ( a ) ( 6 ) and ( 7 ). 

Thanks, 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 2022-01-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In XXXX I was the Victim of CRIMINAL ID THEFT. I had to go to court and travel back and forth between 2 different states to resolve the issue and clear my name. 

I was advised to add my mothers maiden name to my last name to PREVENT IDENTITY MIX UP / entanglement. 

After a lot of time, the crimes were no longer attached to my name and I had a new last name. 

In XXXX it happened again. Except I discovered I was the victim of credit ID theft. 4 credit card accounts were opened without my knowledge or consent or my benefiting. They were defaulted and sold many times from one debt buyer to another. 

My credit was destroyed. 

Ive spent YEARS TRYING TO fix it but in XX/XX/XXXX I was sued by XXXX XXXX for {$990.00} for one of the credit cards that was obtained fraudulently by someone using my information without my consent. 

I reported this to the police. 

I AM 100 % willing to press charges against the person doing this to me. 

I filed a complaint with FTC. 

I am defending myself in court against XXXX debt buyer. 

I requested TransUnion block the accounts that were opened as a result of my identity being stolen and received a response stating MY POLICE REPORT DID NOT APPEAR LEGITIMATE! 

But the fraudulent accounts were deemed VERIFIED. 

For 3 years fraudulent information was being reported against me and I didnt fight back because I felt powerless. 

Even though I received letters from 2 different debt buyers and XXXX XXXX stating they agreed that There was fraudulent activity and I was not liable.

How could TransUnion find a legitimate police report frivolous but fraudulently opened accounts verified? 

What system are they using? Who is benefiting from my credit having a lower score? What can be done?

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 2022-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: AZ

Complaint narrative:
I sent {$300.00} through money gram to my mother in XXXX XXXX. She did not get the money or a Receipt. She did not signed any paper that the money was given to her because of money was never given to her or a receipt and I called moneygram multiple times and they keep on telling me that the money was given to my mom but theres no proof that that happened because the store never gave her the money or the receipt in XXXX. I dont think its fair to lose this {$300.00} for a technical issue that is not in our hands the company needs to be responsible for this money we work really hard for this money and my mother needs it for her medicines

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd.
State: MD

Complaint narrative:
Ive received pre-recorded spam calls from Harris and Harris regarding a debt. I have no outstanding debts. The pre-recorded message provides no information. I am afraid to contact them for fear they will escalate harassing attempts to collect some debt I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I'm trying to apply for a Mortgage/Home loan. While my lenders perform credit check, they come back stating that the credit history doesn't exists and few come back stating FICO doesn't exists. Request you to help me in adding my credit history/FICO score.

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 2022-01-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PARKSIDE LENDING, LLC
State: IL

Complaint narrative:
Parkside lending reported my tradeline as 30 days late in XX/XX/2019 ; however ; Parkside Lending did not service my loan, as I refinanced with Parkside Lending and they sold the loan on XX/XX/2019 to XXXX XXXX XXXX. 

In my welcome letter, I was instructed to send all payments to XXXX starting with my XX/XX/2019 payment. 

I have provided evidence : bank statements, mortgage statement, & welcome letter, that I made all of my payments to XXXX including the XX/XX/2019 payment that is in question. 

I have disputed this 3 times with XXXX with no luck whatsoever! I have also called Parkside Lending and they refuse to help as well. 

I have attached documentation that proves my loan was sold XXXX and I never was late in making a payment to Parkside Lending. 

Soto Credit Report XXXX XXXX XXXX XXXX XXXX opened XX/XX/2019 XXXX XXXX Statements Payments to XXXX XXXX, XXXX, XXXX XXXX Statements/Transactions Payment Details XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: CA

Complaint narrative:
I HAVE A COLLECTION ACCOUNT THAT IS APPEARING ON MY CREDIT REPORT THAT I'M NOT AWARE OF AND I THINK IT'S PART OF MY IDENTITY THEFT CASE. I WAS ADVISED TO FILE A COMPLIANT TO GET THIS ACCOUNT REMOVED FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: FL

Complaint narrative:
FACTS : Caliber improperly deducted two XX/XX/XXXX payments from my bank account via auto-draft on XX/XX/XXXX. From XX/XX/XXXX into the last week of XXXX, my account was showing due for XX/XX/XXXX ( due to the double payments ). 
Caliber reversed one of the two payments from my account before XX/XX/XXXX. My account was then showing and is now showing due for XX/XX/XXXX. I have never received a refund of the improperly deducted second payment amount of {$1000.00}, and it is not reflecting on my account! 
I discussed this with XXXX XXXX from Caliber by telephone ( after waiting over 40 minutes to speak to someone ) on XX/XX/XXXX. XXXX XXXX told me o Caliber converted to a new system and has a backlog o The duplicate payment was reversed and is in suspense o The duplicate payment should NOT have been reversed more than five weeks after the error occurred, which made my loan due for the XX/XX/XXXX payment o The payment in suspense will be re-credited to my account ; but at an unknown time, due to the backlog o In the event that the payment is not re-credited by the late charge date, I will have no late charge assessed nor will I have any impact to my credit report Caliber sent me a letter dated XX/XX/XXXX informing me o I owe Caliber {$2000.00} that is two payments! 
o There is no mention of my payment Caliber is holding @ {$1000.00} ( from the improperly duplicated debit to my account for two payments on XX/XX/XXXX )! 
o Caliber WILL report me to the credit bureau if I do not make the demanded payment by XX/XX/XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 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: FL

Complaint narrative:
I was checking my credit report and these accounts still on.. I already sent few rounds of dispute about them. I believe that someone have my personal information. I m disappointed

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 2022-01-25 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: FL

Complaint narrative:
I was checking my credit report and these accounts still on.. I already sent few rounds of dispute about them. I believe that someone have my personal information. I m disappointed

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