vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: TN

Complaint narrative:
I received a letter from XXXX XXXX XXXX XXXX for debt that I do not owe. I searched the company and found several complaints about them fraudulently collecting debt people dont owe. I do not want to contact them and verify any personal information listed in the letter. I have not used XXXX in years and my account is clear. 

It is dated XX/XX/2021 For {$40.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
This is my second attempt at getting this alleged debt removed from my consumer report. 

I requested a debt validation letter in which you, Capital One, sent back a letter saying you allegedly verified my information. I am still waiting for a valid response on how exactly this was verified and by who. Additionally, I sent in an affidavit of truth, which still has gone unanswered and uncontested. 

Then today, XX/XX/2021, I received two large envelopes with stacks of pages of billing statements for an alleged debt you assume I owe. At this point, this level of harassment is false, deceptive, and unfair, and quite frankly, this is identity theft ; as I have stated, this alleged debt isn't mine. 

Providing me my address, social security number, and date of birth is not a form of validating my debt by law, and in your response to my first complaint here on the CFPB, XXXX XXXX ID XXXX ) you stated that Because the accounts were opened online, there is not a signed copy of an application to provide. So again, I ask, how is this alleged debt mine? 

I am a federally protected consumer, whos rights have been violated by identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
There are serveral account reporting I didn't authorize these accounts are violating my rights. Please remove these inaccurate accounts from my credit report and send updated copy to me. 
Consumer XXXX # XXXX {$500.00} # XXXX {$55.00} - I DON'T EVEN KNOW WHAT THIS IS XXXX XXXX XXXX {$800.00} XXXX XXXX NA # XXXX {$960.00} i'VE Tired reaching out to each company and got no help! These accounts are fraudulent and causing me great distress. I'm having a hard time getting approved for house because of these accounts that does not belong on there. The credit reporting agency is violating my rights. Please remove these accounts 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 non-monetary relief
Consumer complaint received 2021-03-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
the following account on my credit have been reporting the wrong amount and is incorrect on my credit report causing me not to be able to get anything with me credit, and the amounts are wrong on this account. The account was removed off my report then added back at random dropping my credit score XXXX points attached is my credit report with the account removed and a screen shot of the account re added to my report dropping my score XXXX points

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 2021-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
1. PayPal, without warning and time to respond, increased the requirements for a PayPal account that does not allow me to login to my existing account. ( I DO NOT have a text capable/enabled or any mobile phone, nor do I intend to bear the expense of mobile phone service just so I can continue to use an existing PayPal account. ) 2. PayPal has REMOVED INFORMATION from their web sties ON ALL methods of contacting them WITHOUT logging in to the account ( which I no longer can do because of the added requirement blocking access to my account ). 

XXXX. I was not provided with the opportunity to close my account and request that all my personal identity, financial information, and statements, purchase information etc. be deleted from their files / servers since THEY HAVE BLOCKED ACCESS TO MY ACCOUNT, YET REQUIRE ME TO LOGIN TO THAT ACCOUNT TO RECEIVE SERVICE. 

4. PayPal is effectively blocking me from control of my personal data - e.g. is blocking me from closing my account and removing all my personal information from their service.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PLANET HOME LENDING, LLC
State: CA

Complaint narrative:
As of XX/XX/2021 we send a loan modification to Planet Home Lending to request a resolution to avoid a foreclosure but after being in review we had a denial and during the reviewed they never placed my foreclosure on hold during the reviewed. They send me a Denial Letter dated on and we called to find out that my house was going to go to Foreclosure in 2 days. I felt I was going to get a XXXX, I am an XXXX man and XXXX and this really hit me very hard. I am paying my XXXX Mortgage with XXXX Mortgage and I am in good standard. I am now getting foreclose on my XXXX mortgage which is Planet Home Lending and I am very scare of what this financial institution is trying to do with me only they want to take my home away. I had to hire an Attorney to stopped my foreclosure and see what he can do to get me out of this problem. But I need your help to get this company to give me a resolution or to give me more time to get a loan modification..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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: NC

Complaint narrative:
I paid the loan off in the XXXX XXXX This scammer called me and keeps calling about credit scores and adverse effects. XXXX is the number they used this time. They try to block the number but this time it showed up their computer program must have glitched on them.

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 2021-03-25 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: EQUIFAX, INC.
State: CA

Complaint narrative:
The credit reporting bureau, Equifax, consistently provides low scoring and incorrect/outdated information. How can they justify a XXXX point difference between them and the other two credit bureaus in scoring my information? This shows incompetence and Equifax needs to understand that their practices impact people 's lives and ability to receive the proper credit ratings to acquire things needed in life. I want to sue them for this huge difference in reporting and inadequate claim processing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Please update all of my personal information XXXX EQUIFAX XXXX XXXX XXXX XXXX. I would like all the names, phone numbers, and addresses along with removing any employer. My only name is XXXX XXXX. My only phone number is XXXX. My only address is XXXX XXXX XXXX, XXXX, TX XXXX. My only employer is XXXX and I am XXXX  employed. There may be individuals who have the same information as mine. Creditors may have entered my name, address, and/ or employer incorrectly when requesting my credit report. Regardless there are names and addresses that should not appear on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions of Ohio, Inc.
State: OH

Complaint narrative:
I went visited XXXX XXXX  today to find out a bill from my sons mother wasnt paid. Im not listed with the provider. However they wrote a derogatory statement that said I was in collections. Never received a bill from them nor was I there during said services. My score dropped 32 points because of this. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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: Credit Management Control, Inc.
State: CA

Complaint narrative:
I HAVE BEEN TRYING TO DISPUTE WITHTHE COLLECTION AGENCY " CREDIT MANAGEMENT CONTROL '' & " XXXX '' TO GET FRAUDULENT ACCOUNTS DELETED FROM MY CREDIT. THEY HAVE FAILED TO RESPOND AND FIX THE ISSUE. I HAVE ATTACHED A COPY OF AN ID THEFT AFFIDAVIT AND POLICE REPORT. CREDIT MANAGEMENT CONTROL HOLDS 3 COLLECTION ACCOUNTS AS FAR AS I SEE ON MY CREDIT. XXXX WITH ONE ACCOUNT ON MY CREDIT. ALL MUST BE DELETED ASAP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
On XXXX i sent a letter to the bureau regarding Inaccurate accounts being reported to my credit report. It has now been over 45 days that I have not received a response, I feel as though my request has been ignored. In this time of pandemic my credit report is crucial to me regarding that I must use it to feed and shelter my family who are unable to work and provide for themselves in this unfortunate time that Covid-19 has caused. Section 611 ( a ). States that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report, it has been over 45 days so these items should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this has caused not only me but my family as well in this time of uncertainty. My information has also been impacted by the XXXX data breach which could also been in relevance to these erroneous accounts reporting inaccurate items on my 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 2021-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
There are serveral account reporting I didn't authorize these accounts are violating my rights. Please remove these inaccurate accounts from my credit report and send updated copy to me. 
XX/XX/XXXX # XXXX {$500.00} # XXXX {$55.00} - I DON'T EVEN KNOW WHAT THIS IS XXXX XXXX XXXX {$800.00}XX/XX/XXXX# XXXX {$960.00} i'VE Tired reaching out to each company and got no help! These accounts are fraudulent and causing me great distress. I'm having a hard time getting approved for house because of these accounts that does not belong on there. The credit reporting agency is violating my rights. Please remove these accounts 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 2021-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
There are serveral account reporting I didn't authorize these accounts are violating my rights. Please remove these inaccurate accounts from my credit report and send updated copy to me. 
XX/XX/XXXX# XXXX {$500.00} # XXXX {$55.00} - I DON'T EVEN KNOW WHAT THIS IS XXXX XXXX XXXX {$800.00} XX/XX/XXXX # XXXX {$960.00} i'VE Tired reaching out to each company and got no help! These accounts are fraudulent and causing me great distress. I'm having a hard time getting approved for house because of these accounts that does not belong on there. The credit reporting agency is violating my rights. Please remove these accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: WA

Complaint narrative:
I feel this ( company XXXX is stalking on the same issue from another company in the same vicinity and I filed a complaint about Ref. # XXXX on XX/XX/XXXX. I think this is a deceitful business practice of both within a 30 day time period. 
I feel I am being abused with harassment and being stalked by these people. 
XXXX. XXXX XXXX XXXX XXXX XXXX. Resurgent Capital Services This paperwork showed up after filing complaints ( AG Office and CFPB XXXX and before the 1st company even answered. 
I am being threatened of my LIFE, LIBERTY, and PURSUIT of HAPPINESS ( only ALIVE )! 
I know this is a time-barred debt XXXX XXXX XXXX, it has not and does not exist ( from a divorce ). If any ever correspondence it was over several years ago, which ended and nothing until this stuff with COVID and the XXXX Stimulus from the US government. 
This is literally harassment of abuse from them and a deceitful business practice!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
I have sent several disputes to each on of the credit bureaus :XX/XX/XXXX, XX/XX/XXXX & Equifax and they have yet to respond to me or provide results. I do understand there is a pandemic going on, but they are still required to provide results under the law. They are reporting errors on my credit file and they need to respond to disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I have sent several disputes to each on of the credit bureaus : XX/XX/XXXX Experian & XX/XX/XXXXand they have yet to respond to me or provide results. I do understand there is a pandemic going on, but they are still required to provide results under the law. They are reporting errors on my credit file and they need to respond to disputes.

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 2021-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I advised numerous times for this company to discontinue collection attempts and to delete and remove accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
I HAVE BEEN TRYING TO DISPUTE WITHTHE COLLECTION AGENCY " XXXX XXXX XXXX '' & " TRANSWORLD '' TO GET FRAUDULENT ACCOUNTS DELETED FROM MY CREDIT. THEY HAVE FAILED TO RESPOND AND FIX THE ISSUE. I HAVE ATTACHED A COPY OF AN ID THEFT AFFIDAVIT AND POLICE REPORT. XXXX XXXX XXXX HOLDS 3 COLLECTION ACCOUNTS AS FAR AS I SEE ON MY CREDIT. TRANSWORLD WITH ONE ACCOUNT ON MY CREDIT. ALL MUST BE DELETED ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A.
State: CA

Complaint narrative:
On XX/XX/2021, I applied for an online checking account at PNC with a {$200.00} cash offer to open the checking account. After I filled out the information and submitted the application, I received a notice that my application for a checking account was denied. I received a notice that PNC would not open a checking account because of information from XXXX XXXXXX/XX/XXXX I attached the notice to this complaint. 

On XX/XX/2021, I contacted XXXX XXXX XXXX to find out what is going on. They wouldn't give me the information over the phone. They claimed that it would take several days to send me the report. I requested for the report. They emailed me a Deposit Score that I attached to this complaint. XXXX XXXX XX/XX/XXXX could not help me fix the problem. 

On XX/XX/2021, I called PNC Bank to find out if I could get someone to help me open the checking account or a least find out the reason my account was denied. However, everyone I talked to did not seem know what to do. They all sent me to different people and no one was able to help me. After talking to a few different people, I was sent to another department that was not able to help me and my call was ended. 

I do not understand why I was denied a checking account. I have not committed any fraudulent activity. I work for the U.S. Attorneys Office in the Department of Justice. I received an extensive background check for a security clearance. I would lose my job if I committed any kind of fraud. I have not over drafted any of my bank accounts. I have checking accounts with XXXX XX/XX/XXXX XXXX XXXX and XXXX XX/XX/XXXX. Applying for a checking account has never been an issue and this is the first time I was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Suburban Credit Corporation
State: GA

Complaint narrative:
Dear CFPD I am contacting you regarding the collection agency Suburban Credit Corporation. I had 7 negative items items hit my credit reports on XX/XX/XXXX. I was not contacted by this company until today XX/XX/XXXX in writing about the debt owed. The FCRA protect consumers from this business practice which would have given me notice of the debt to determine if it is in fact valid or not and it also gives me 30 days to do so. 

I have attached a copy of the letter that I received today XX/XX/XXXX. This is a unlawful business practice on behalf of this collection company. Also they separated total balance of {$260.00} into 7 different negative items. 

They did not send me any communication prior and demanding payment for something I wasn't even aware of. 

The letter attached is dated XX/XX/XXXX which is the first communication that I have received regarding the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
CREDIT ACCEPTANCE CORPORATION has used abusive means in the collection of debt on muti consumer reports CREDIT ACCEPTANCE CORPORATION has written " 30 days past late '' " 180 days pass due '' or " collections '' words like this are very controlling threating and scary statements under 15 usc ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.

and ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. 

The statements made by this company has messed up my reputation also caused me many years of abuse for not being able to finance a next car due to the words that were stated by leaving me with mental instability

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 2021-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Contacted the company regarding my credit and they sent me this letter voluntarily. Sent it to all 3 credit bureaus and they sent back letter stating verified/updated when i want the account removed as per letter they stated they would dismiss. I called Credit bureau and was told they reached out to company and was told account was acurate and they werent removing account

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