vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-17 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 am a victim of identity theft. I recently got a phone call from a debt collector asking for money for an account that I never authorized to be opened. That call prompted me to take a look at my credit report and that's when I realized that my identity had been stolen and my personal information had been used to open several fraudulent accounts. The fraudulent accounts currently reporting on my credit report are some medical service bill that I never authorized or received medical services for that totaled  {$740.00} from XXXX XXXX XXXX. That debt is being collected by a company named XXXX ( XXXX   XXXX XXXX ). I advised them that I never had any medical services done by XXXX, and they said there was nothing they could do but to continue to try to collect the amount owed. The second fraudulent account that is being reported on my credit report is a loan that some criminal applied for using my personal information with XXXX XXXX XXXX XXXX XXXX for {$820.00}. I tried calling XXXX XXXX XXXX XXXX XXXX and just kept getting transferred until I got frustrated and hung up. The third fraudulent account being reported is some type of loan with a company named XXXX XXXX XXXX for {$3700.00}. I have no idea who this company is and when I called them and advised them the I am a victim of identity theft and that I didn't authorize the use of my personal information to obtain this debt the representative laughed and said that I have to pay them or they will continue to report it to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17 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 am a victim of identity theft. I recently got a phone call from a debt collector asking for money for an account that I never authorized to be opened. That call prompted me to take a look at my credit report and that's when I realized that my identity had been stolen and my personal information had been used to open several fraudulent accounts. The fraudulent accounts currently reporting on my credit report are some medical service bill that I never authorized or received medical services for that totaled {$740.00} from XXXX XXXX XXXX. That debt is being collected by a company named XXXX XXXX XXXX   XXXX XXXX XXXX. I advised them that I never had any medical services done by XXXX, and they said there was nothing they could do but to continue to try to collect the amount owed. The second fraudulent account that is being reported on my credit report is a loan that some criminal applied for using my personal information with XXXX XXXX XXXX XXXX XXXX for {$820.00}. I tried calling XXXX XXXX XXXX XXXX XXXX and just kept getting transferred until I got frustrated and hung up. The third fraudulent account being reported is some type of loan with a company named XXXX XXXX XXXX for {$3700.00}. I have no idea who this company is and when I called them and advised them the I am a victim of identity theft and that I didn't authorize the use of my personal information to obtain this debt the representative laughed and said that I have to pay them or they will continue to report it to the 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 non-monetary relief
Consumer complaint received 2020-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC
State: GA

Complaint narrative:
The companies representative XXXX ( not sure of correct spelling ) contacted me today XX/XX/20 at XXXX XXXX  and I advised the representative that they had the wrong number ( A tactic of my own I employed to stop receiving calls 4-5 times a day ). The representative stated that this was highly unlikely and asked if I could confirm the last 4 of my social with him and I said no but he could verify the ones he has on file with me so I could confirm or deny and the representative gave out the last 4 of my social without verifying who he was speaking with and I think that is that is ridiculous. This was a complete and direct violation of my rights and privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I requested the removal of the ( I ) -year Fraud Alert posted on XXXX XXXX, 2020 immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I requested the removal of the ( I ) -year Fraud Alert posted on XXXX XXXX, 2020 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 non-monetary relief
Consumer complaint received 2020-02-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
My original loan was with XXXX XXXX.It was sold/transferred to NewRez and that is when the troubles and communication went way out in terms of communication.You call and every effort to talk to a human is a headache.I called today XX/XX/2020 XXXX PST. Finally got a female and asked for a Supervisor.Then she became hesitant. I told her that I was calling about my Escrow charges as the addition of XXXX had been added to my account.The note was going from XXXX to XXXX per month.I would have rather been given the option to pay the difference in a lump some.She then said that they don't take calls only e-mail.I asked for the PMI Department and the response was pretty much the same.My home has gone up in value so I had already written to NewRez c/o XXXX XXXX XXXX, SC XXXXRequesting the PMI to be taken off my loan.She never was able to reach a supervisor meaning that nothing was accomplished.She stated that I would get a call back that never happened,

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 2020-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
Called XX/XX/XXXX ( XXXX XXXX XXXX ) to inquire about an account and amount reflected on my credit report. Representative said she would transfer the correct department. Transferred Representative stated that he was in the " Litigation Department. '' Confirmed account information, and stated that " my account has NOT been reviewed by an attorney. '' Then asked whether I was calling to make a payment. I asked him, what do you mean " it has NOT been reviewed by an attorney. '' Then representative stated - " I apologize in advance, the account has been reviewed by an attorney. '' I asked him to provide me with the attorney 's name. The representative declined. After I asked to speak with supervisor, he restated the same information, and warned me that the case has been filed in XXXX, GA. I asked by whom. He again refused to disclose name. Transferred me to supervisor, and supervisor explained more misinformation and finally provided four names of attorney 's along with their state bar license numbers. 

I never had any contractual obligation with XXXX XXXX XXXX, and I believe that this company is making representations that I have in fact had a prior relationship with them ( " last time you paid on the account was XX/XX/XXXX '' ). However, the company purchased my information XX/XX/XXXX, and attempting to blemish my reputation and file erroneous information to courts of law. I believe XXXX XXXX XXXX to be in violation of the Due Process Clause of the 14th Amendment to the United States Constitution, Fair Debt Collection Practices Act, and Unfair, Deceptive and Abusive Acts/Practices ( Dodd-Frank Act ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17 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: NY

Complaint narrative:
Capital One bank has locked my credit card account stating that I need to submit a SSA form. I was told I would have the matter resolved within 7-10 business days. I have submitted the documents via fax as well as through a secured link and have not received anyway feedback as far as resolving the matter. It is now going on almost two months my account has been locked causing me an extreme inconvenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17 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: Colony Brands, Inc.
State: MI

Complaint narrative:
I sent them a debt dispute letter. Aaking them to validate the account. They sent me a letter stating that if I feel I have been a victim of identity theft to fill out a form with them. I wrote them back certified mail and tild them that was not the case and that they should have read my letter. I waited the allotted time for them to respond and they have not. 
I have tried to upload all supporting documents but it will not allow me. Please contact me for the documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Improved Data Services LLC
State: CA

Complaint narrative:
On XX/XX/2020 I received a call from a company called Improved Data Services, LLC out of XXXX, NY. They claimed they were debt collectors for a debt owned by XXXX XXXX XXXX, which bought the debt from XXXX. 

The threated multiple times to sue me if I didn't pay and told me repeatedly the only way I could pay was to provide a card number over the phone. I asked them for something in writing I could send checks to or any other way to pay besides giving a card number on the phone and they said no, and said the company was going to sue me if I didn't pay. I then called the XXXX XXXX XXXX and nobody answered. I left a message noting the phone ca I had received and asking how I could pay. This company IDS or the one they supposedly represent never sent me anything in writing and I was not aware of this debt. This IDS was a bully and aggressive and theatening over the phone. They need to be shut down. When I asked them to send me something in writing, they aend me the attached, which could be from anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC
State: CO

Complaint narrative:
Jefferson Capital Systems the collecter name is XXXX XXXX. He called my wife today and said we were 3 months behind. We set automatic payments with this same person months ago and payments were being taken out monthly. It was set for the XXXX every month XX/XX/XXXX payment was taken out was set for the XXXX. He said we stopped the payments and need to call the bank and said they will take her to court and garnish her pay. We call the bank and we did not stop the payments there company never took payments out. The bank said there was no post from them and we had funds every time. I called back and talked to them. This person messed up the payment arrangements and again messed it up today and put the next auto payment for XX/XX/2022 years from now. He did not leave any notes in the account from his call today so it took another person and a supervisor to fix this issue and to remove is out of the delecincy because of his mess up and he threatened us by saying they were going to take us court and garnish our wages. I got it fixed with the other people he put our account back up to XXXX and we paid XXXX on this account. Becuase he messed it up they corrected it to now XXXX. My wife is XXXX and this almost gave her a XXXX XXXX  do to her illness. I want to know what I can do to get this justified for the threat he made and the company completely messing up our account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R & B Corporation of Virginia
State: CA

Complaint narrative:
1 ) Cancelled service with XXXX XXXX on XX/XX/19 and started new service with XXXX XXXX 2 ) Received bill for entire month of XXXX into XXXX from XXXX 3 ) Called XXXX to explain issue - no resolution 4 ) Received letter from CREDIT CONTROL CORPORATION as a request to collect debt, notified them I did not agree 5 ) Found that the issue was reported to ALL credit agencies by CREDIT CONTROL CORPORATION 6 ) Contacted ALL credit bureaus to dispute issue, only XXXX removed 7   ) Hired attorney to handle issues with CREDIT  CONTROL CORPORATION and XXXX and XXXX 8 ) Received letter from CREDIT CONTROL CORPORATION to pay in full immediately 9 ) Still no resolution as of today 10 ) I believe XXXX and CREDIT CONTROL CORPORATION are contracted with XXXX  and XXXX  and not XXXX  as to why only XXXX has been the only bureau to remove issue since my correspondence of over 6 months

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Second Round Limited Partnership, Austin, TX Branch
State: MA

Complaint narrative:
I have contacted the creditor/company many times 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 loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I have contacted the creditor/company many times 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 loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SIMMONS FIRST NATIONAL CORPORATION
State: NV

Complaint narrative:
Simmon banks owe me XXXX dollar i try to call them and have them write a check to me, and they aren't really communicating with me ... my account is already closed and they are starting to treat me badly.

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 2020-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In XX/XX/XXXX a collection from XXXX XXXX/XXXX XXXX appeared on my credit report dated XX/XX/XXXX. I disputed the item because I had no knowledge of the account. The account was then updated to paid/closed. Last year Experian and XXXX XXXX started to report the account as delinquent and each month since then the account is reporting charge-offs even though the account says paid/closed. I tried to dispute the account again as it is almost 8 years old, but Experian will not allow me to stating it was disputed in XX/XX/XXXX. They have now updated the account to show 64-charge-offs since XX/XX/XXXX and it has drastically reduced my credit. I went from a good score to poor because of this account. I have no way of disputing it and the account is well past the time allowed to remain on my credit profile. Experian is the only credit report showing this unknown debt and each month reports it as a past-due payment.

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 2020-02-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: OPORTUN FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have made various communication with Oportun representatives and they don't want to support me in scheduling a affordable monthly payments of {$70.00} until personal loan with a high interest over 50 % is paid off. 
They sent me a letter that loan account is in review for a lawsuit against me as l am XXXX Lifetime, Retired and a XXXX XXXX XXXX XXXX Veteran. 
I can only pay {$70.00} @ month until loan is paid off. 
Oportun has reported Derogatory remarks and collections on my credit report with XXXX, XXXX and XXXX and has destroyed my credibility. 
Oportun will not accommodate me on my Lifetime XXXX Accommodations under Department of Justice XXXX XXXX Civil Rights Act and is threatening me and harrassment with collections calls and cell text at my cell XXXX. 
I can not pay {$150.00} @ month and no fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
I've called AMEX to understand why they assessed multiple late charges and then sent the account to collection agency when my card is a corporate AMEX and not my responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: OH

Complaint narrative:
In 2018 my mortgage was sold to roundpoint mortgage from XXXX I recieved a letter saying my first payment to the new company starts in XX/XX/2018 so thats what I did in XX/XX/2018 I started paying online. A few months later I get a letter from roundpoint saying im behind so I call and they pull up my account and they seen all the payments they then said Im good and they dont know why I got the letter. I kept making online payments and I kept getting calls saying no payment was recieved so I called again they then tell me Ditch has not released any payments and that all my payments was paying the back amount I then had to send them a year of bank statements proving I was never behind with XXXX they then tell me my account is under review and to keep making my payments so thats what ive been doing. Now they are saying Im over XXXX behind on payments but when I call they pull it up and see all the payments. From day one ive had issues with roundpoint they cant seem to get anything right Ive looked on the XXXX  site and there is XXXX of complaints about the same thing please tell me what I should do so I dont lose my house.

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 2020-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Synovus Bank
State: GA

Complaint narrative:
In XX/XX/XXXX a collection from 1st progress/XXXX XXXX appeared on my credit report dated XX/XX/XXXX. I disputed the item because I had no knowledge of the account. The account was then updated to paid/closed. Last year XXXX and 1st Progress started to report the account as delinquent and each month since then the account is reporting charge-offs even though the account says paid/closed. I tried to dispute the account again as it is almost 8 years old, but XXXX will not allow me to stating it was disputed in XX/XX/XXXX. They have now updated the account to show 64-charge-offs since XX/XX/XXXX and it has drastically reduced my credit. I went from a good score to poor because of this account. I have no way of disputing it and the account is well past the time allowed to remain on my credit profile. XXXX is the only credit report showing this unknown debt and each month reports it as a past-due payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17 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: AR

Complaint narrative:
I was online and I applied for a personal loan, that I got due to a low credit score. I wondered for days how was this possible if I have always had good credit. I got my credit pulled and saw I was a witness of identity theft. Most of these accounts that were open under my name are not mine. Please remove these fraudulent items from my report. 

XXXX XXXX XXXX XXXX {$540.00}

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 2020-02-17 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: AR

Complaint narrative:
I was online and I applied for a personal loan, that I got due to a low credit score. I wondered for days how was this possible if I have always had good credit. I got my credit pulled and saw I was a witness of identity theft. Most of these accounts that were open under my name are not mine. Please remove these fraudulent items from my report. 

XXXX XXXX XXXX XXXX {$540.00}

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