vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
There is a collection appearing on my report stating I owe on a XXXX XXXX collection which is not true. I have a current account with them. I have disputed with nothing received and never been contacted about this. This is inaccurate and untrue

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: VA

Complaint narrative:
My brother and I inherited a home with a VA mortgage. XXXX XXXX XXXX  advised that the loan had been sold to Carrington Mortgage Services LLC. I contacted Carrington to get requirements for assuming and or paying off the loan. Each time I have contacted the company I have been provided different requirements. Documents have been provided to Carrington showing that the mortgagee, XXXX XXXX, is deceased and that I, XXXX XXXX, am a declared heir. I have requested that the requirements be provided in writing. I have been told the information will be mailed and emailed to me. I have not received any written correspondence from Carrington. Additionally when I call the servicing associates refuse to review the documents received to determine if they have the required information. When I ask to speak to a supervisor I am told that a supervisor is not available.

The Carrington loan number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX/XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Strategic Alliances, Inc.
State: FL

Complaint narrative:
Notice received XX/XX/XXXX from collection agency ( First Financial Asset Management ) This is for a car that I rented from XXXX XXXX  and gave back and they never told me there was anything wrong with the windshield. 

XXXX XXXX sent me a letter a month after car was returned asking me to pay for something I did not do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Capital one is using inaccurate out dated information. To perform credit inquiries, on their customers. And future customers that are seeking credit increases/lending. Capital one has been using outdated credit scores to make lending decisions on customers. I spoke with an XXXX supervisor that went over my credit score and my actual XXXX score was a 100 points higher than what capital one was using to score credit worthiness. They are pulling XXXX scores from several months prior to the date you actually make the request for credit. And making false biased lending decisions for customers. Then advertising to use a XXXX  scoring model, on their website which they dont actually use to make actual lending decisions. They have continually denied me credit increases and Im a over 4 year on time paying customer, based on false inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 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: NY

Complaint narrative:
My Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. 
The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions. 
I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained.I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. 
FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE Please Kindly, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Rebuttal Notation : Accuser has failed to provide any evidence of either the injurious derogatory claims verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
XXXX XX/XX/2021, I submitted a complete loan modification application with XXXX c/o PHH Mortgage Services ( Ocwen ) and XXXX confirmed receipt thereof ( see attachments ). On XX/XX/2021, on a telephone call with Mr. XXXX XXXX ( my assigned single point of contact ) was told by Mr. XXXX that my loan modification application had been approved and loan modification paperwork requiring my signature would be mailed out within the next several days. As of XX/XX/2021, I have NOT received said promised loan modification paperwork and my home is set for a foreclosure sale date of XX/XX/2021. I am a CA homeowner who along with my family been impacted by COVID and I have been trying struggling with XXXX to complete my promised loan modification and keep my home. If the XX/XX/2021 foreclosure sale happens, my family and myself will be homeless. XXXX acts above the laws ( California Homeowner Bill of Rights, and Federal laws and mandates ) that protect me as a homeowner. During this entire loan modification process, I have had an ACTIVE foreclosure sale date hanging over my head. Large amounts of people have been at my home due to the XXXX foreclosure sale endangering my self ( I have underlying medical issues ) and my family ( below the age of vaccination ) health and possible lives. Dual tracking is clearly what XXXX is doing and has not been held accountable for it/s unlawful actions. Single Point of Contact - Mr XXXX ; I cant get a hold of him unless I make a 2 week in advance appointment with him. Further, Mr. XXXX speaks with a heavy accent which makes it very hard to communicate with him. XXXX keeps adding unauthorized fees and has placed forced insurance on my home all the while increasing my balance. XXXX has not offered my any information concerning avoiding foreclosure. I have continued to call XXXX requesting them for my approved loan modification paperwork and I get no response. My house is set for a foreclosure date of XX/XX/2021, during XXXX season - what company does that? 
I want to keep my home, please send me my approved loan modification paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Capio Partners, LLC
State: WI

Complaint narrative:
A company called for a relative and refused to say anything about their business besides they were Capio. The line they called on was recorded and even though I asked them 4 or 5 times what type of business they were they only would say they were Capio. When I continued to insist who they were they rudely hung up on me. I called back and theyre Capio Partners , LLC but would not identify themselves as the type of business ... just that they help businesses. I looked on the internet and they are a collection agency specializing in health care. It is illegal to call and not identify themselves as a collection agency ... .I asked many times and it was on a recorded line from a caller within the State of Wisconsin so the recording is legitimate. I would like to find out to have them prosecuted for using illegal tactics.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: PNC Bank N.A.
State: TX

Complaint narrative:
On, XX/XX/2021, money was sent by wire transfer from XXXX XXXX  to BBVA Bank ( which is now PNC ) to pay off my loan in the amount of XXXX. PNC has had the funds since that day, however repeatedly said that they did not receive it. On XX/XX/2021, it was found that PNC did accept the funds Case # XXXX on XX/XX/XXXX and the money is still sitting in a GL account and has not been applied to my loan that has grown with interest since XX/XX/2021. PNC Bank is holding my money. I have asked repeatedly to either return the wire so that a check can be issued and I will hand deliver it to them or it can be over nighted or apply the funds to pay off my loan. Neither has happened to date.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-12 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: CA

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
There is a collection listed which is unknown to me, I have dental insurance I would not owe anything to a dental company. Please help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I contacted paypal credit customer service at XXXX on XX/XX/XXXX to gather information about a debt which is being reported monthly on my credit report. This account was removed from my report on XX/XX/XXXX. 

COMPLETED ON XXXX XXXX, XXXX ITEM IN DISPUTE : SYNCB/PPC DISPUTE REASON : Accuracy The payment history/rating is incorrect. 
The dates on this account are incorrect.

CONTACT INFORMATION SYNCB/PPC XXXX XXXX FL XXXX XXXX : Disputed item deleted XXXX investigated your dispute and deleted this item from your credit report. 
See your current report SYNCB/PPC Reported on XX/XX/XXXX {$2200.00} They informed me they can not provide information on account history or how to settle. The customer service representative gave me a telephone number to a credit collection firm which does not report to the credit bureaus and stated that firm is the only company whom could provide information on the debt being reported by SYNCB/PPC . I would like to gather information about the billing history of this account as I was unaware of the debt or the account itself. PayPal will not provide information on a collection account they are actively reporting on monthly. This is hurting my ability to secure a mortgage and auto loan putting my family in financial limbo. XXXX and XXXX removed the account from my credit report on XX/XX/XXXX but shortly after it was reported back and no information about the account billing history was provided 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 2021-11-12 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: FL

Complaint narrative:
I have disputed now three times with nothing back and information is still inaccurate. There are different names, addresses etc reporting on my credit and things that don't belong to me. 

What do I do for the credit agencies to fix these?

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 2021-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
At no point, have I ever authorized any accounts with Barclay 's Bank of Delaware or their debt selling partner, XXXX XXXX XXXX. 

I have repeatedly requested a copy of the original agreement from Barclay 's Bank of Delaware, the ( alleged ) original creditor, as well as XXXX XXXX XXXX ( debt buyer ), proving that alleges that I am responsible for this account. Barclay 's admits that they do not have it on file, which makes me wonder how they could approve a debt sale to a debt buyer without proper legal authority. In this case, that debt buyer is XXXX XXXX XXXX ( XXXX ). 

XXXX also claim they do not have the original authorized agreement either, BUT still have the right to report an amount of ( over ) {$4900.00}, the debt they allege is in my name. They only send copies of XXXX sheets with the status of this account since they acquired it and further refuse to offer the concrete proof that I asked for. 

I say again, at no point, did I authorize Barclay 's or anyone for that matter, to open an account in my name. I ( personally ) did not pay any amount on this account EVER and, obviously, did not sign/authorize the sale of any debts which were created fraudulently using my name/SS #. 

I WANT TO SEE THE ORIGINAL AGREEMENT FROM THE ORIGINAL CREDITOR, NOTHING ELSE! 

If XXXX continue to provide false information to the credit reporting agencies, I am going to file a formal complaint to put this falsehood to bed once and for all.

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 2021-11-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CLGF Holdco 1, LLC
State: AZ

Complaint narrative:
I called my Indigo Platinum Card to ask why I had 18 charges from XXXX XXXX XXXX & XXXX XXXX for XXXX & XXXX? I've NEVER been on XXXX & ordered anything, EVER. And in addition for each XXXX charges, they have also attached an additional charge of $ XXXX-XXXX, for each charge " they claim '', is from the merchant?!?!? These charges ARE NOT on my statement or DISCLOSED ( the only reason I figured it out was because there is a XXXX available balance when I just made a {$200.00} payment & the limits only {$300.00}. The customer service guy sounded foreign & refused to tell me if the vendors are out of the country? He said he could not see that information, I told him hes lying, I have other credit cards & I know he knows. Personally, I think its an inside job & they are paying themselves with peoples credit cards & then writing it off after the 30-60 days for its being sent to the fraud department for investigation. I told them if my card is charged for $ XXXX-XXXX  fee for each transaction, it has to be disclosed on my statement & its ILLEGAL, they cant just hide the fees & not tell me what its for or where it came from? I want this investigated immediately. These people are scamming big time. I told them I'm no accountant, but a {$200.00} payment on a {$300.00} card doesn't equal a credit line of {$.00} cents. Personally, I haven't used that card in months & I think they counted on me not looking & noticing there where charges.I closed the card down & the complaint was sent to the cards fraud department ( like that matters, it was probably an inside job ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 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: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
I have 15 hard inquires on my TransUnion that I didn't apply for.I need these removed A.S.A.P

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 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: KY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX Re : XXXX XXXX XXXX XXXX XXXX Account XXXX violation must DELETE Since XX/XX/XXXX, I have been requesting sufficient proof in the file on a debt XXXX  XXXX/ XXXX XXXX XXXX claim I owe. I have sent multiple letters to XXXX XXXX XXXX demanding sufficient proof within ( 30 ) days on this account they continuously ignore my yet update with the credit reporting bureaus. In accordance with FDCPA 809 ( b ) furnishing, verifying, updating is considered collection activity. Since they failed to respond to me directly, I asked them to provide sufficient proof using all ( 3 ) credit reporting bureaus. XXXX XXXX XXXX has failed again to provide sufficient proof but updated XX/XX/XXXX which is a clear violation of FDCPA 809 ( b ). I demanded all ( 3 ) credit reporting bureaus to 1. Reinvestigate inaccuracy 2. Provide results. have not provided proof through mail or email. in accordance with US Code-15 Section 16819 ( f ) If the completeness or a consumer reporting agency is disputed by the consumer the agency shall, free of charge conduct reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current information or delete the item before the end of 30 days on which the agency receives the dispute of the consumer, they failed so this must be deleted immediately. 
have not provided proof through mail or email. in accordance with US Code-15 Section 16819 ( f ) If the completeness or a in accordance with ( 2 ) violation listed below

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation