vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group
State: OR

Complaint narrative:
I have been receiving letters and a voicemail message from XXXX offering a discount on a debt of {$2500.00} that needed to be taken care of. They said they were issuing a XXXX against me. I had no idea what the debt was for so I went to the website and found that it was a debt that my ex-husband incurred several years after our divorce was final XX/XX/XXXX, XXXX XXXX, TX. 

I found the case online and stated that it was not my debt that I had been divorced since XXXX and requested they cease and desist contacting me for a debt that I did not owe. 

In less than 2 weeks they called my husband 's phone and requested to speak with XXXX XXXX ( my ex-husband 's name ). They said they were collecting a debt that I owed and he gave me the phone. 

I informed the woman on the phone that it could not possibly be my debt because it happened several years after my divorce. I only know that because I asked her what year it was from. I informed her that I had a voicemail from her company stating that they would report me to the credit bureau and IRS. She said that her company does not ever threaten to do that ( see attached folder ). I also requested that she send me some proof with my signature on it for the debt they were collecting. I have not received that from them, just papers to fill out for fraud. I can not fill out fraud papers if I do not know what the debt is for or if someone was impersonating me in the mid XXXX. 

They have refused to listen to me or address my request for proof of a debt that is over XXXX XXXX XXXX. Unfortunately I am tied to that man since I was married to him from XXXX to XXXX. After some research I did discover that he died in XX/XX/XXXX. I have had no contact with him since the divorce and do not know what happened in his life since XXXX. 

I do know that the debt is not mine. I had to pay off his tax debts for the last 2 years of our marriage because he would not file his taxes. 

I have received no proof that my name or signature was ever on that debt. It is not on my credit report and this company needs to be reported. I am attaching a transcript from the voicemail that stated they had filled out a 1099C tax form.

Fraud forms sent to me are from XXXX XXXX XXXX XXXX showing creditor as Velocity Investments , LLC

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My XXXX account was hacked which was linked to my chase account. This account wasnt active so I didnt notice the email from chase fraud asking me to authorize the purchase which I did not ; however they allowed that and hundreds more treats actions to go through until my account was drained. After I called to make them aware they still let another {$700.00} worth of transactions go through which caused me to have to close my account entirely. Some funds were returned but than later reveresed saying XXXX should cover it. Now Im out {$14000.00} after chase is violating there own policies for fraud protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 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: CA

Complaint narrative:
XXXX ) XXXX Acct. # XXXX, was repossessed on XX/XX/XXXX and Charged Off in XX/XX/XXXX. However, it continues to show a Charge Off each and every month after ( XXXX XXXX XX/XX/XXXX ) which hurts my credit report because it is showing a new Charge Off each month and thus does not allow this account to age. This is re-aging my account each month ( exhibit 1 ). 

My credit report also shows an on-time payment 6 months after I did not own the vehicle on XX/XX/XXXX ( exhibit 1 ). 

I disputed the continued charge-offs, but you responded and still included them in your investigation. 




I would like you to compare my credit report balance on XX/XX/XXXX and XX/XX/XXXX, to see if my balances were lower as in my XXXX credit report ( Exhibit 2 & 3 ). 
Please immediately remove this account from my credit report for all the FCRA violations Section 611 ( 5 ) ( A ) 2 ) XXXX Acct. # XXXX, this account should of fell under the Lemon Law, but I kept being assured by the BMW Dealership that a part was due toa factory defect. I stopped making payments in XX/XX/XXXX and I return the vehicle back to the Dealership in XX/XX/XXXX, just about 8 months after receiving the vehicle. It was an Early Termination, but it was listed on my credit report as a repossession. 

I looked at my credit report for XX/XX/XXXX and noticed that there were Charge Offs for XXXX and XX/XX/XXXX and then it showed on-time payment history XX/XX/XXXX through XX/XX/XXXX. How can I have on-time payments for a car I dont own or have? ( exhibit 4 ). 

XXXX also filed a IRS Form 1099-C Cancellation of Debt XX/XX/XXXX, in the amount of {$26000.00} which means the form 1099-C is a tax document used to report a debt of more than {$600.00} when it is canceled by the lender. The lender creates and mails this form to the debtor. The debtor reports the amount from the 1099-C because they are liable for the taxes that may be owed on that amount. Therefore, XXXX was compensated for that {$26000.00} where I had to pay the taxes on that amount. 

3 ) XXXX Acct. # XXXX, This vehicle was paid in full in XX/XX/XXXX, so why is this account still updating every month?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report.

Failure to do so is a violation of my rights.

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 2022-03-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2022, I reported numerous fraud charges on my business credit card. I was informed by Bank of America ( BofA ) representative XXXX that I was not responsible for fraud charges and my credit card would be credited. Attaching recorded conversation with permission. 

I was informed that the charges would not be credited because BofA indicated that their investigation revealed inconsistant details. BofA was not specific and it made no sense what that means. 

I recieved my statement still showing the fraud charges. 

On XX/XX/2022, I spoke with XXXX, in XXXX, AZ, business card fraud department, that the investigation was still ongoing and that I was not responsible for fraud charges and my credit card would be credited. 

In speaking with XXXX she indicated that if you had ever done business with any of the companies at anytime in your life that were reported fraudulent, even though the fraud was committed by a suspect or criminal without permission to use the credit card, you are held responsible. I informed XXXX that I had never done business with any of the companies. She stated that the fraud would be credited. This shows how incompetent and racially discriminating BofA is toward XXXX 's and XXXX senior citizens. Not able to attach recorded conversation with permission because it's to large.

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 2022-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
I have disputed the entire loan, and asked them not to report any adverse action as this loan has been paid in full by my open end credit plan. They have yet to respond to any of my correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I took advantage of a deferment of my loan during Covid19 through my loan servicer, PHH. This was a very stressful time and I was happy to stop payments and start again later without it affecting my loan balance or credit. My loan balance was {$570000.00} when the deferment began. When I started paying again, it had risen to more than {$600000.00}! They assured me I had not been charged interest so I can not understand why my loan balance is now close to $ XXXX dollars higher! 

I wrote several times to get an explanation and also spoke to someone more than once. What I was told was they took the payments I had not made and put them at the end of my loan. The problem is that they also left those same payments at the beginning of my loan so I'm being charged twice. I asked for a detailed explanation and they just kept saying the same thing over and over which doesn't make sense to me. I can not imagine this is happening to a lot of people and no one is saying anything or concerned that what was supposed to be a lifeline is in truth an expensive anchor. 

This week, I tried to make an online payment for my mortgage as I always do and for some reason I have been blocked. There is no valid explanation why I am no longer able to make a normal payment as I do not have a pending payment. I have done it this way for years and this is the first time I've had this difficulty. At this point, I don't trust anything they say so I want things in writing. ( They told me in XXXX  XXXX XXXX owned my loan, but they do not ). Is this some sort of punishment for questioning their tactics? 

If I had known they would do this I would never have agreed to this deferment option. They did not disclose this is what was happening, they just let me know every month my payment had been deferred. When I looked up the word, deferment means you will pay later not that you will pay the same amount twice ; once now and once later. My expectation was that I would pick up with my loan balance of {$570000.00} where I left off in XX/XX/2020. 
I would continue paying and my timeframe to pay would be extended by the eighteen months that were deferred. 

I am uploading several copies of my mortgage statement at different times including before the deferment and after. I have also included the message I get when I try to make an online payment. 

So many horrible things happened to me during this pandemic. 

This must not be another tragedy on my pile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report.

Failure to do so is a violation of my rights.

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 2022-03-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: SC

Complaint narrative:
I am XXXX XXXX the natural person. Im disputing this matter on my own behalf. Commonwealth Financial Systems Inc is reporting a collection for a medical bill on my consumer credit reports. I never did any business them. I do not know how they got my personal private information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 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:
XXXX reduces my credit score and failed to prove why. I have not applied fir any credit. I paid off a debt. My score should have increased instead of decreasing. Where do I report XXXX because it appears that the CFPB is useless. 

I have always been told that creditors and reporting agencys target XXXX I feel XXXX decreases my credit score in an effort to prevent me from having a good score when Portfolio Recovery falls off. 

It appears to me that this company is unfairly tampering with the credit scores of consumers with poor credit to make money. I personally think this is how this company makes money. 

Due to the fact that the CFPB takes no action against them and allows them to govern themselves and the outcome is the reason so many people are homeless age without transportation. 

Portfolio recovery us illegally coming after me fir a debt that has been discharged years ago. Portfolio recovery is not being honest about the open date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-05 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: CA

Complaint narrative:
My name is XXXX XXXX XXXX and I am submitting this complaint without any influence from any third party or agency. Please see attached documents and ID as it contains my full complaint request. 

A identity theft report was filed with the Federal Trade Commission. The reference number is # 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 non-monetary relief
Consumer complaint received 2022-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Someone applied for something in my name and I CALLED the customer service department and did not help remove the negative inquiries that are reporting ON MY CREDIT REPORT XXXX XXXX XXXXXXXX experian, XXXX, XXXX XXXX XXXX experian, XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX EXPERIAN XXXX XXXX  XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX EXPERIAN

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 2022-03-05 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: WV

Complaint narrative:
I have been trying to raise my credit score in order to purchase a car and a home and I have been charged {$39.00} twice in the last 5 days for credit reports by XXXX as well as other ridiculous charges. After paying off one debt ( I only have 2 ) my credit score has been consistently getting lower rather than higher. I have 17 hard inquiries and I only recognize maybe two and I can't get a hold of anyone to fix it. XXXX charged me for a free credit report not once but twice and the things I have paid off are not showing as positive on my report nor are they adding the extra points. I've also been disputing a collection from 2005 from a utility company and they will not take it off of my report despite disputing it twice yet I can't settle or pay it off because when I call the collection people it is too old to show in their system. Nothing changes after disputes and nothing positive is listed in my credit report only negatives. I never can reach a human. Only recordings. I'm charged for reports that under federal law should be free. And then they tell me it's for other services and fees that I never signed up for and do not want but I'm stuck with because I need these credit reports so I can try to fix them and have a home. I'm a XXXX veteran living with family only because of my credit score and I have no current debt whatsoever. None. The reporting agencies are so vague and have so many ads and other companies offering credit repair b.s. I just don't get it but I want to understand so I can fix my credit score and have a home and reliable car. Thank you for any help you can give 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 non-monetary relief
Consumer complaint received 2022-03-05 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: EQUIFAX, INC.
State: WV

Complaint narrative:
I have been trying to raise my credit score in order to purchase a car and a home and I have been charged {$39.00} twice in the last 5 days for credit reports by XXXX as well as other ridiculous charges. After paying off one debt ( I only have 2 ) my credit score has been consistently getting lower rather than higher. I have 17 hard inquiries and I only recognize maybe two and I can't get a hold of anyone to fix it. XXXX charged me for a free credit report not once but twice and the things I have paid off are not showing as positive on my report nor are they adding the extra points. I've also been disputing a collection from 2005 from a utility company and they will not take it off of my report despite disputing it twice yet I can't settle or pay it off because when I call the collection people it is too old to show in their system. Nothing changes after disputes and nothing positive is listed in my credit report only negatives. I never can reach a human. Only recordings. I'm charged for reports that under federal law should be free. And then they tell me it's for other services and fees that I never signed up for and do not want but I'm stuck with because I need these credit reports so I can try to fix them and have a home. I'm a XXXX veteran living with family only because of my credit score and I have no current debt whatsoever. None. The reporting agencies are so vague and have so many ads and other companies offering credit repair XXXX. I just don't get it but I want to understand so I can fix my credit score and have a home and reliable car. Thank you for any help you can give me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My name is XXXX XXXX XXXX and I am submitting this complaint without any influence from any third party or agency. Please see attached documents and ID as it contains my full complaint request. 

An identity theft report was filed with the Federal Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CO

Complaint narrative:
Company : XXXX XXXX XXXX ( LoanCare ) I called XXXX XXXX XXXX ( LoanCare ) in early XXXX, XXXX to request that no hazard insurance payment be sent to our insurance provider because I was evaluating hazard insurance offers and may change carriers. Despite this call, a payment in the amount of {$690.00} was sent to XXXX XXXX XXXX ( XXXX ) on XX/XX/XXXX. I had already changed our hazard insurance to XXXX by that time. 

Since then, I have called numerous times to track this payment in order to get the {$690.00} refunded to our escrow account. I have been told a variety of things by XXXX Customer Service and Insurance departments, including three-way calls with XXXX. Things Ive been told include the following : - The payment was sent as part of a bulk check so the check could not be canceled. 
- The payment had not yet been received by XXXX. 
- The payment had been received by XXXX, and it in fact was a bulk check. There were other problems with this bulk payment and it was being returned to XXXX. 
- The payment had been made and signed for by someone at XXXX, but XXXX had no record of it. 

I have also been told every time I call that a supervisor or someone who is researching the issue will call me within 24-48 hours with additional information on how to resolve this. I have never received a call on any of these occasions. 

I sent a written letter to XXXX on XX/XX/XXXX. I received a letter back from them stating that they received it XX/XX/XXXX and were reviewing. 

I dont know whats true at this point, but I do know that the money is not in my escrow 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
Consumer complaint received 2022-03-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: CO

Complaint narrative:
I pay my " Milestone and Indigo Credit Cards '' on time every month. Now, they will not credit my account for 16 days even though the money was taken out of my bank account. So, by waiting 16 days they can charge over-limit fees and higher interest rates. When I pay my monthly bills I pay via computer. So, I know everything is instanteous. Is this some new scam to make more money from customers?

Company response to consumer: Closed with explanation