vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-03 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: MA

Complaint narrative:
Experian is reporting that inXX/XX/XXXX I was 30 days late in paying a second mortgage to were XXXX  XXXX XXXX. At that time, my records show that we making payments for that mortgage to XXXX, not XXXX  XXXX XXXX. My Bank records show that I made payments to XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/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 2020-07-03 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: GA

Complaint narrative:
There are several items reporting incorrectly on my credit file. Please remove the following items : Incorrect Personal Information : Name : XXXX XXXX ( XXXX ) Name : XXXX XXXX XXXX  XXXX Address : XXXX XXXX XXXX XXXX ( XXXX & XXXX  ) Address : XXXX XXXX XXXX ( XXXX XXXX Experian ) Address : XXXX XXXX XXXX XXXX Experian XXXX XXXX  XXXX The following account status is incorrect : XXXX XXXX - Open Date : XX/XX/XXXX ; Bal : {$11.00} ( XXXX, XXXX, Experian ) ; I was never late. 

The following items are reporting as a result of Identity Theft : XXXX - Date Open : XX/XX/XXXX ; Bal : {$240.00} ( XXXX ) XXXX XXXX ( XXXX ) - Date Opened : XX/XX/XXXX ; Bal : {$520.00} ( Experian XXXX XXXX  ) Please remove unauthorized inquiries from my credit file : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 4 Times ) XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX  XXXX  XXXX XXXX XXXX XXXX and XXXX XXXX XXXX   XXXX XXXX XXXX ( 3 Times ) XXXX XXXX XXXX XXXX  XXXX  XXXX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My Experian Credit Report on XX/XX/XXXX dropped XXXX  points because I had an XXXX XXXX card that showed a balance of XXXX. My Experian Credit Report only increased by XXXX points when I paid the balance off. It should have increased XXXX points. I believe this is fraud. Please have someone in management call to explain this ridiculousness. My number is XXXX Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 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: Portfolio Recovery Associates, LLC
State: CT

Complaint narrative:
Account with Portfolio Recovery Associates ( Original debtor XXXX  XXXX ) Account number XXXX Collection opened XX/XX/2018 This is reported on my XXXX, and XXXX  reports. This is NOT my debt. I have reported to XXXX  and XXXX  and they investigated yet the item remains on my reports. I have disputed to Portfolio Recovery Associates and requested signed proof that I opened this account. They have not ( and can not ) provide it as this account was never opened by me, yet the account remains open and on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 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: CT

Complaint narrative:
Account with XXXX XXXX XXXX ( Original debtor XXXX  XXXX ) Account number XXXX Collection opened XX/XX/2018 This is reported on my Experian, and XXXX  reports. This is NOT my debt. I have reported to Experian and XXXX  and they investigated yet the item remains on my reports. I have disputed to XXXX XXXX XXXX and requested signed proof that I opened this account. They have not ( and can not ) provide it as this account was never opened by me, yet the account remains open and on my credit reports.

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 2020-07-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
PNC made changes that will not allow us to link accounts in order to access a grant we are applying for.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: DC

Complaint narrative:
LVNV Funding is a debt collector. In XX/XX/2020 reported a debt on my credit report, the delinquency appeared on all three credit reports. I learned that LVNV funding was attempted to collect a debt on behalf of XXXX XXXX XXXX  for a credit card account that was closed by the grantor as the result of fraud -- that is, the account was opened by a person who used my identifying information without my knowledge or consent. Because the account was fraudulently opened and did not belong to me, LVNV funding can not maintain I am responsible for this account. I requested this removal and they refuse to send me the paperwork to dispute this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I was accessing my credit file and noticed the entry from Portfolio Recovery Associates was reflecting on my credit file. I do not know the company and the statutes of limitations have passed on the debt they are trying to collect. I do not owe this company as I have not done any business with this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Central Portfolio Control Inc.
State: VA

Complaint narrative:
I got a letter in the mail from " Central portfolio control '' company that they are trying to collect debt for " XXXX XXXX XXXX ''. This company bought what they claimed to be " my debt '' from " XXXX XXXX XXXX  ''. In XX/XX/2018 I filled an ID theft report because the latter bank and " XXXX  '' issued credits within one week on my behalf and the cards were maxed out. I discovered that there are two accounts under my name accidentally as I noticed my credit score was dropping. Both accounts were opened in XXXX, while at that time I didn't even live in NY. Unfortunately, I don't check my credit report often so missed these fraudulent accounts for months. I issued ID theft report, put a fraud alert on my account, and contacted XXXX  and XXXX. After few months these fraudulent debts were dropped from my report. Few months ago I noticed that there is a debt collector who bought the debt from " XXXX  XXXX XXXX  '', trying to collect ( {$800.00} ) and again it showed on my report. 
I don't know how these banks opened these accounts on my behalf without verifying my identity. I'm sure that the purchases can be traced to show that this was an ID theft crime and these banks are contributing to the fraud by being reckless.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 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: CA

Complaint narrative:
-My ex-wife filed for bankruptcy on XX/XX/XXXX. 
-I was notified via mail on XX/XX/XXXX ( see attachment ). 
-I co-signed on a XXXX XXXX XXXX credit card for her while we were married. This card was to be used for the children. Each person was responsible for their own charges on the card. Charges relating to the children were to be split. This statement is documented in our divorce decree ( see attachment ). Divorce was finalized on XX/XX/XXXX. 
-I was never asked for any payment from her in regards to the kids, nor was I ever informed about any charges made in regards to the kids. 
-I have tried to mitigate this issue myself by speaking with XXXX XXXX XXXX   on numerous occasions over XXXX. I requested statements to view the charges and I requested a copy of the original signed application and was denied. They refused to supply me with any paperwork. 
XXXX XXXX, XXXX I hired a legal representative to assist in this issue ( see attachment ). XXXX XXXX XXXX refused to work with the law office as well, and stated that the law office would need Power of Attorney in order for them to release any information. The response letter from XXXX XXXX XXXX sent to my lawyer was not addressed to me, rather it was incorrectly addressed to my ex-wife ( see attachment ). 
-My credit report shows a derogatory mark because of her bankruptcy. 
XXXX XXXX XXXX XXXX account number with the derogatory mark is not the XXXX XXXX XXXXk account I co-signed. 
-I do not have any connection or affiliation with the XXXX XXXX XXXX account that reflects a write-off. 
-I did not authorize or co-sign on another XXXX XXXX XXXX account. 
-I respectfully request that this derogatory mark be immediately and permanently removed from my credit report and reflect equally at all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 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:
-My ex-wife filed for bankruptcy on XX/XX/XXXX. 
-I was notified via mail on XX/XX/XXXX ( see attachment ). 
-I co-signed on a XXXX XXXX XXXX  credit card for her while we were married. This card was to be used for the children. Each person was responsible for their own charges on the card. Charges relating to the children were to be split. This statement is documented in our divorce decree ( see attachment ). Divorce was finalized on XX/XX/XXXX. 
-I was never asked for any payment from her in regards to the kids, nor was I ever informed about any charges made in regards to the kids. 
-I have tried to mitigate this issue myself by speaking with XXXX XXXX XXXX  on numerous occasions over XXXX. I requested statements to view the charges and I requested a copy of the original signed application and was denied. They refused to supply me with any paperwork. 
XXXX XXXX, XXXX I hired a legal representative to assist in this issue ( see attachment ). XXXX XXXX XXXX  refused to work with the law office as well, and stated that the law office would need Power of Attorney in order for them to release any information. The response letter from XXXX XXXX XXXX  sent to my lawyer was not addressed to me, rather it was incorrectly addressed to my ex-wife ( see attachment ). 
-My credit report shows a derogatory mark because of her bankruptcy. 
XXXX XXXX XXXX XXXX  account number with the derogatory mark is not the XXXX XXXX XXXX  account I co-signed. 
-I do not have any connection or affiliation with the XXXX XXXX XXXX  account that reflects a write-off. 
-I did not authorize or co-sign on another XXXX XXXX XXXX  account. 
-I respectfully request that this derogatory mark be immediately and permanently removed from my credit report and reflect equally at all three credit bureaus.

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 2020-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: HI

Complaint narrative:
My fiancee and II were unaware that we could not have his money put into my account. Capital One allowed the deposit but then put a hold on my entire checking account. I have spoken to them numerous times requesting that they reverse the deposit or put aside the funds in my account that are his, and release the hold on my account. They stated that the sending company has to be the ones to reverse it. He has send emails to the agency many times in the last 3 weeks, but because of the lack of staff due to the Virus, we have had no response. All of my paychecks, daughters XXXX payments are being deposited into my checking account but Capital One 360 is not letting me access MY money at all. I am unable to pay my bills. I have no money because it is in my checking and can not access it. They said I could go to a Capital One branch and withdraw funds, but I live in Hawaii and the nearest branch is in California. I do not understand how a bank can legally keep me from my money like this. My fiancee 's money is also in my account and I dont know why the bank wont remove it since they are the ones that allowed the deposit to go through anyway. Why did they even allow the deposit in the first place since it isnt allowed? And now they are freezing my entire account all MY money too? This is not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: WA

Complaint narrative:
Hello, My mortgage servicer is Truist Bank while the mortgage is held by XXXX XXXX. We were contacted via post with a letter stating that our loan was qualified for forbearance under the Cares Act. I did an online inquiry and was sent a letter telling us that we were good to stop paying our mortgage and giving three options of how to repay the loan. This is the area where I seek clarity. 

I called in using a script received from your website asking of repayment options and was repeatedly told this would be decided at the end of the forbearance period. I reiterated that I would not enter into an agreement without knowing the end game. I repeatedly asked for a letter clarifying that at the end of the forbearance, repayment would be added as the same number of missed payments to the end of the mortgage with no penalty. I was told this could not be done. 

This is scary. During this pandemic people are afraid and grasping at straws. Our representatives fight to create legislation that can help people, yet I see it as double dipping by banks. They are getting federal assistance and endeavoring to make any assistance obscure to seize homes at the end of this crisis?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 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: AZ

Complaint narrative:
I opened a credit card on XX/XX/2017 for XXXX XXXX under Citibank ( XXXX ). The employee made a mistake and used the wrong person 's information but with my social so a credit card was opened in my name for the wrong person. When I contacted XXXX XXXX they cancelled the card as fraud and I reported it as fraud on my credit report. Then XXXX XXXX opened a new credit card account for me that was in my name. 

However, all 3 credit agencies were only showing the closed account. They were not showing the good standing account, which would increase my credit score if it showed. 

I opened an investigation with XXXX. Upon completing the investigation I received a letter in the mail saying they're no longer reporting the closed account and they're only reporting the good standing account to all 3 credit bureaus. Since then, XXXX  and XXXX  have removed the closed account and are showing the good account, just like I wanted. However, XXXX  is still showing the closed account only. When I called them to ask about this the representative I spoke with said he can see the good account from his end but I can't see from my online account because only employees have access. But, he said he's not sure what it would take to get that to show on my official report and remove the closed account so he transferred me to a supervisor. The supervisor then said what the previous representative told me is inaccurate, that he would be reprimanded for telling me he can see the good account, he doesn't see the good account and that they're only showing what XXXX is reporting them and I need to reach out to XXXX and there's nothing else they can do for me. 

So I'm at an impasse where XXXX has provided proof in a form of a written letter they're reporting it to all 3 agencies. Evidence of this is that both XXXX  and XXXX  reflect the change but Transunion does not and they claim there is nothing they can do. This is my last step before filing a lawsuit against Transunion.

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 2020-07-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC.
State: CA

Complaint narrative:
To whom it may concern, A {$200.00} collections from AFNI on behalf of XXXX XXXX XXXX XXXX showed up on my XXXX  credit report today. 

I do not owe this money and have had the same collection show up on my credit report in the past for several years now. I have repeatedly disputed the report as the various collection agencies keep changing the date. Immediately prior to this instance, the date listed was XXXX XXXX. There is no date listed for the delinquency reported today, XX/XX/XXXX, so I presume that is the date the credit bureau/ AFNI is using. 

I have also received phone calls and letters over the years despite my statement that " I will not pay this debt. Any further communication with me is in violation of the Fair Debt Collection Practices Act. '' Even if I did owe the money, the statute of limitations for debt collection in the state of Texas, where the debt was allegedly incurred, is 4 years ( Tex. Civ. Prac. Rem. Code Sec. 16.004 ; Tex. Fin. Code sec. 392.007 ( d ) ) That time has past. In XX/XX/XXXX, I did vacate my XXXX, Texas apartment. However, the internet services I cancelled were XXXX XXXX, with whom I had an account since XXXX ( see the attached documents ). 

By this writing, I respectfully request that the CFPB require XXXX XXXX XXXX XXXX recall the debt from AFNI, remove the collections from my credit report, and prohibit AFNI and XXXX XXXX XXXX XXXX from making any further reports to my credit. 

Should you wish to discuss this matter further, I can be contacted at : XXXX ( XXXX ) XXXX Regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 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: GA

Complaint narrative:
XXXX XXXX XXXX is listed on my consumer report as a charge off, date opened XX/XX/XXXX. I contacted XXXX, XXXX, & Experian on XX/XX/XXXX requesting physical verification in accordance with the Fair Credit Reporting Act. All ( 3 ) credit bureaus responded by updating this account as " verified. '' No evidence to back the claim. I contacted the bureaus againrequesting a copy of the signed agreement between myself and XXXX pursuant to the Fair Debt Collection Practices Act. They all responded by updating the account status again to " verified. '' Not only is this account inaccurate and negatively impacting my finances but it is also OUTDATED. This account has been towering over my credit report for the last 9 years. Experian reports my first date of delinquency as XX/XX/XXXX -- false, please provide a receipt for XX/XX/XXXX XXXX  payment if this claim is to be true. XXXX  and XXXX  have no payment history, so how are they calculating the first date of delinquency? How do they know when this item should be removed? They do not know and do not care, which is why this account has been sitting on my credit report since XX/XX/XXXX. Generally speaking, accounts are several months past due before being sent to collections. Even if XXXX  & XXXX  were to " estimate '' a date of delinquency it would still place us in XXXX and it is now XXXX. This account needs to be removed immediately.

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 2020-07-05 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: GA

Complaint narrative:
In XX/XX/XXXX my XXXX XXXX XXXX got totalled by a XXXX Truck. My attorneys won the case XXXX was liable. {$11000.00} or more was paid towards the car. When signed for the original contract auto loan I paid for Gap Insurance which was added to the loan. My car insurance totalled my car out XX/XX/XXXX. The remainder of the loan is supposed to be paid by Gap Insurance through XXXX. All correspondence went to XXXX XXXX XXXX XXXX Gap Specialist XXXX XXXX XXXX, XXXX XXXX mostly through email with subject line Regarding XXXX  XXXX # XXXX and sent documents to this email. After I sent documents. No more correspondence from the Gap Specialist. So I assumed they got their money because if they didn't then I should have been contacted by the Gap Specialist who has my email XXXX, phone number 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