vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-12 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX PA XXXX RE : Requesting a Method of Verification Letter Dear Sir/Maam : I recently received a response to a dispute ( see attached ) that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report.

I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute.

I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. 
All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request.

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this  unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 
I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record. 
Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 
Very Respectfully, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Ca 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 2020-07-12 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CFAM Financial Services, LLC
State: CA

Complaint narrative:
CFAM Financial Services LLC threatened to call the police to repossess a vehicle on private property. Their representatives knocked on my door at XXXX, and threatened me by stating that I was violating the law, and that they would bring the Sheriff. 

Not only is CFAM buying defaulted predatory loans, they were difficult in dealing with. When they came to my property, I offered to resolve the issue in the morning. Not only did they refuse, they started yelling and became verbally abusive.

CFAM never sent account or balance updates and misrepresented the Amount due on numerous official documents.

Company response to consumer: Untimely response
Consumer complaint received 2020-07-12 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Portfolio Recovery Associates is reporting a 120 day late payment on a collection account. The collection account was previously closed and has since been re-reported with a new account number to XXXX which is against regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Home Point Financial Corporation
State: NJ

Complaint narrative:
1. ) back in XXXX of XXXX Home point ( H.P ) was servicing 2 of my loans both were being auto drafted from my checking account. 

2. ) H.P has 2 locations one in XXXX NJ, and one in XXXX Texas, so they switched serving the loan from the XXXX, NJ location to the XXXX location, this transition period took place during the missed payment period XXXX of XXXX, however, I was not made aware of this transition.. 

3. ) They claim that they sent me letters, and they also claim that they called me 35 times on my cell and my land line. and i said to them that i do not have a land line that takes calls it is a land line set up for a fax scan. only. I also asked them if you called my land line you should have known that it connects to fax not a phone. so then i asked why would you not fax the communication when you were calling the land line knowing that it giving a fax single, i also asked how many time did they call the land line and how many times did they call the cell. they did not reply. 

4. ) They claim that they sent me a goodbye and a welcome letter which i replied that i never received or that it may have been delivered to wrong address or not delivered at all. I also requested to see the letters that were composed and the proof that they were mailed to me. they never replied, 5. ) so during this transition from H.P of XXXX NJ to H.P XXXX Texas the scheduled auto draft was not executed, so as a result H.P is reporting that i was between 30 and 59 days late. So now this has negatively effected my credit in meeting the eligible criteria.for certain loan products, and it stay on my report for 7 years.

6. ) Once i was notified by letter that the payment was not drafted i called right away and settled the missed payment and current payment.

7. ) I have sent in numerous request to home point explaining these circumstances on XX/XX/XXXX XXXX XXXX. It seem that they have the ultimate say where they think they have the power to be the judge and jury.

8. ) I am hoping that you will be able to help me regarding this matter with H, P

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Looking over my credit report and noticed there was an account that does not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The Following Account listed below : CAPITAL BANK NA  # XXXX, KOHLS  DEPARTMENT STORE # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Since XXXX of this year and every month until now Ive been writing complaints about the incorrect information that's reporting on my credit report. The information reporting is inaccurate.

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 2020-07-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: PNC Bank N.A.
State: IN

Complaint narrative:
I am trying to link my bank card to the app XXXX XXXX and it is not letting me I would like to have fix the issue

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12 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 — Investigation took more than 30 days
Company: Harley Davidson Financial Services Inc
State: TX

Complaint narrative:
Harley Davidson Financial Services, aka Harley Davidson Credit aka XXXX XXXX  refuses to comply with the terms ad conditions of the CARES Act and continues to report me as 30 or 60 days late, when I have never been late. I made an arrangement due to the negative financial impact of the CoronaVirus, Harley Davidson, REFUSES to correct inaccurate information, I have NEVER been 30 days late, let alone 60 days late since my first loan with in XXXX. Harley Davidson has provided a false statement to the CFPB and to me. Harley Davidson stated in a response that they have not reported a delinquency on my account to the CRAs. Yet at one point XXXX had me at 30 days late in XX/XX/XXXX, XXXX  had me 60 days late in XX/XX/XXXX and XXXX  had me at 30 days late in XX/XX/XXXX. After 5 disputes, 2 with XXXX, 2 with XXXX  and 1 with XXXX, XXXX   shows me current never late, XXXX  shows me 30 days late and XXXX  now shows me 60 days late, with no 30 day late before that. Harley Davidson refuses to comply with the FCRA or the CARES Act and is deliberately and blatantly refusing to made the required corrections to my credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12 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: I.C. System, Inc.
State: AL

Complaint narrative:
On XX/XX/2020 I started checking my credit report for inaccurate accounts and I noticed several accounts that do not belong to me. I reported these accounts as a part of a identity theft packet to all 3 credit bureaus and filed all documents to the agency 's and companies involved to have the accounts removed and so far after multiple attempts this has not happened. I and asking that these accounts be removed immediately from all my reports as they are wrong and fraudulent.

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 2020-07-12 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX threatened to call the police to repossess a vehicle on private property. Their representatives knocked on my door at XXXX, and threatened me by stating that I was violating the law, and that they would bring the Sheriff. 

Not only is XXXX buying defaulted predatory loans, they were difficult in dealing with. When they came to my property, I offered to resolve the issue in the morning. Not only did they refuse, they started yelling and became verbally abusive. 

XXXX never sent account or balance updates and misrepresented the Amount due on numerous official documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12 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: Advanced Collection Bureau, Inc.
State: FL

Complaint narrative:
Incorrect Derogatory Medical Collection Account being reported to my credit reporting by XXXX, XXXX, and XXXX. 

Advanced Collection Bureau continues to knowingly, willfully, and recklessly violate my FCRA and HIPPA rights by reporting an incorrect, invalid medical debt and collection account. The information reported is derogatory, contains medical information, affects my ability to obtain proper credit, and defames my character. 

I have attempted to remedy the invalid, incorrect reporting myself however, Advanced Collection Bureau INC refuses to respond, provide proper proof per FCRA regulations to me, or remove it as evidenced by the documents included in this complaint. 

USPS Certified Mail Letter : XXXX USPS reports " Delivered, XX/XX/2020 at XXXX XXXX  Delivered, XXXX XXXX XXXX, FL XXXX '' Advanced Collection Bureau , INC does not meet proper FCRA documentation requirements or provide proof this debt belongs to me. It reports " XXXX XXXX '' on my credit reports, personal medical information. This is not my debt. Advanced Collection Bureau , INC is incorrect in reporting this to XXXX, XXXX, and XXXX  on my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
On XX/XX/2020 I started checking my credit report for inaccurate accounts and I noticed several accounts that do not belong to me. I reported these accounts as a part of a identity theft packet to all 3 credit bureaus and filed all documents to the agency 's and companies involved to have the accounts removed and so far after multiple attempts this has not happened. I and asking that these accounts be removed immediately from all my reports as they are wrong and fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I received an alert on my credit report that a new debt had been added. The debt was for {$97.00} and was from XXXX XXXX XXXX XXXX. I called the debt collector ( Amsher Collection Services ) on XX/XX/XXXX. The representative was ready to take payment by phone despite my informing her that I had paid the debt, well over a year ago. The representative also stated that notices had been sent to my address. I told her I had not received any notifications and asked to confirm if they had the correct address. The representative gave a wrong address and when I tried to correct her, she transferred to her manager. The manager told me that I would be able to dispute the claim when they send me the information in the mail. My next call was to XXXX XXXX XXXX and they confirmed that the debt had been paid. I was upset and contacted Amsher Collection Services. They stated it would take around 30 days to confirm and remove the debt from my report. The frustrating part was that Amsher Collection just added the debt without confirming it's authenticity. They were unreasonable and acted like it was no fault of theirs. I searched online reviews of Amsher and the reviews stated that they were notorious for adding debts to credit reports with no justification. That practice is unfair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2019, Friday morning, we were charged at {$1200.00} by Capital One for flights to XXXX. 

I found much cheaper flights and tried to cancel the previous ones under their " 24 hours or less rule. '' The first operator said I could since they measure said rule by business days and we were on a Saturday. 

This is were I got greedy in my skills to beat flight algorithms and said I will XXXX it later, now assuming at this point that I had time. 

On a later call with a different operator that evening we were denied. The supervisor got on the line and was going to punish the first operator for doing her job skillfully. 

The way I was treated caused me to have an episode that had rippling effects. I was put in financial strain on top of moving to a new city on my own. Their mistake also caused the hotels, car rental, meals, etc. to increased. 

The $ XXXX that I was going to save turned to - {$1000.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-13 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: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX All these accounts were proven as fraud along with equifax has done nothing to fix it they have not once reached out to any credit card company on my behalf to dispute any information and this was confirmed by all the creditors up top above this statement. I personally called the creditors after 2 years of thinking the credit bureaus were on my side and they were not they are a bunch of XXXX frauds from other countries who tell you anything to get off the phone and never I mean never have a explanation as to whats going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I am no longer able to use XXXX to send monies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
Account Name : Dept of Veteran Affairs Account # : XXXX Experian has failed to supply their method of Verification After I requested it on XX/XX/2020 following my initial dispute. This violates my rights under the FCRA. I have uploaded the letters sent and a screen shot of the account in question. This account is reporting incorrectly and Experian has NOT supplied the requested contact informaiton of the party that stated it was " accurate ''. 

Initial Official Dispute Sent : XX/XX/2020 Follow Up Dispute Sent : XX/XX/2020 Method of Verification Request Sent : XX/XX/2020 Under these circumstances I request the account be removed from my credit 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 2020-07-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A.
State: VA

Complaint narrative:
I'm unable to add my bank account to XXXX due to change in bank 's policy regarding to linking accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MS

Complaint narrative:
I sent some money to XXXX XXXX back in XXXX in three transactions for some products I never got, after trying to work with this seller to get these products the seller blocks me. I then dispute the charges with Paypal who says the charges are legit and that nothing needs to be done. Paypal has also on many occasions allowed people to hack my account and do harm to me, and to my friends.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX, aka XXXX XXXX XXXX aka XXXX XXXX  refuses to comply with the terms ad conditions of the CARES Act and continues to report me as 30 or 60 days late, when I have never been late. I made an arrangement due to the negative financial impact of the CoronaVirus, XXXX XXXX, REFUSES to correct inaccurate information, I have NEVER been 30 days late, let alone 60 days late since my first loan with in XXXX. XXXX XXXX has provided a false statement to the CFPB and to me. XXXX XXXX stated in a response that they have not reported a delinquency on my account to the CRAs. Yet at one point XXXX  had me at 30 days late in XX/XX/XXXX, Experian had me 60 days late in XX/XX/XXXX and XXXX  had me at 30 days late in XX/XX/XXXX. After 5 disputes, 2 with Experian, 2 with XXXX  and 1 with XXXX, XXXX  shows me current never late, Experian shows me 30 days late and XXXX now shows me 60 days late, with no 30 day late before that. XXXX XXXX refuses to comply with the FCRA or the CARES Act and is deliberately and blatantly refusing to made the required corrections to my credit reporting.

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 2020-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I had a bank of america checking and savings account. In XXXX of XXXX a XXXX  XXXX stole my wallet he wrote a {$3500.00} fraudulent check and that saturday morning 5 or 6  times went to different bank branches and atms pretending to be me as he used my id and soc sec card. Well my balance was only {$2.00} or {$3.00} dollars so of course the check bounced. 
Well he got a total of {$600.00} somehow from pretending to be me fraudulently. 
I request that you remove this error listing me as a person of fraud. B of america should look at their cameras and see that its not me. This has ruined my financial status thus causing catastrophic Ruin in my life. I have no car no home and noone will lend money to me nor can i open a bank account. Please fix this asap XXXX XXXX XXXX XXXX. XX/XX/XXXX Soc. XXXX Dob 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 2020-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Looking over my credit report and noticed there was an account that does not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The Following Account listed below : CAPITAL ONE BANK USA NA # XXXX, XXXX  # XXXX.

Company response to consumer: Closed with explanation