vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LJ Ross Associates
State: CA

Complaint narrative:
The Original creditor, XXXX XXXX XXXX XXXX XXXX XXXX   updated their reporting software and at the time of payment of a separate account, they weren't able to alert me of a payment I had outstanding. On XX/XX/XXXX, I saw that LJ ROSS and ASSOCIATES placed a collection with all three bureaus in the amount of {$400.00}. I thought this was fraudulence due to  XXXX  XXXX not communicating to me that I owed a debt. As soon as I could I settled the debt with the original creditor, XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX for the amount of {$430.00}. 

After paying the debt in full, LJ ROSS and ASSOCIATES is still reporting a collection with all three bureaus. I do not have a balance nor do I have an account with LJ ROSS and  ASSOCIATES. This blemish is keeping my score low and will potentially keep me from attaining my ultimate goal of home ownership.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Victim of inquiry issue..numerous inquiries on my report that I dont recognize or gave permission to pull my report. Please remove all inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
We applied thru Chrysler Capital and was pre-approved. When the dealer sent the deal in instead of getting us 0 % Chrysler came back at 12.8 % Tier 4. Upon Reviewing my credit report, we found a recent account 30 day late inaccurately reporting We notified XXXX, who removed the account. The Score models jumped up to XXXX ( the lowest to the highest of XXXX. On the Chrysler website it is advertising you need a XXXX. I was a victim of fraud, had accounts opened my name ( all were removed on XXXX and XXXX, XXXX  is showing one account left scheduled to come off in 18 days but is a small account showing 1x30 revolving card. So, there is no reason I should not get a 0 % interest rate. Upon relaying this info to Chrysler, they refused to repull my credit and rescore. Under the FCRA, If a credit furnisher finds an error, they must remove it. XXXX  did just that. Also, under the FCRA, the creditor must re evaluate the borrower creditworthiness based on the new changes. This is where Chrysler is Violating the FCRA and I am sure I am not the only Victim. This is a prime example of a Major Corporation taking advantage of its customers during a crisis.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Bank of America offered modifications of 90 days despite the passing of the CARE Act guidelines on Federally backed loans. I accepted their offer for 90 days on my FHA but then started receiving delinquent notices. I decided to make the payment. Credit payment was not applied timely.

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 2020-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Capital Benefit, Inc.
State: CA

Complaint narrative:
My company struggle due to the Covid-19 pandemic. I am unable to pay my mortgage over the next few months. My representative XXXX spoke with XXXX, she advice that email the letter to request it and manager will get back to me. I email her and XXXX request for Forbearance on XX/XX/2020, XXXX email back the Forbearance Agreement on XX/XX/2020, later on they kept email Late Notice, but because they approved for the Forbearance so I trust them and did not know that they trick me and lied to me and start foreclosure my property without warning me. On XX/XX/2020 I received the Notice Of Default. My representative XXXX  talk to XXXX and she said that they have to file it to protect them self they do not care about the EXECUTIVE ORDER XXXX or COVID-19 State Foreclosure Moratoriums and Stays. Please help me to stop them illegal foreclosure on my property and please report them to the government to stop their wrongdoings to consumers. They try to do all this on purpose to make me lose my house and put me into Foreclosure. The bank violated the EXECUTIVE ORDER XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: OH

Complaint narrative:
To Whom it May Concern : I am writing this letter to notify you of a continuing violation of the Fair Credit Reporting Act ( Section 609 ( a ) ( 1 ) ( A ) ) committed by Discover.

After several acts of disputes and letter submissions made on my end, each attempt proved futile. At times, some of the requests made were not even acknowledged with a response. As I attach some of the articles in this compliant evidencing correspondence that took place, it is unequivocally clear that I never made a refusal to pay, but gave notice that the claims alleged were disputed. Due to their negligence, noncompliance, and refusal to delete UNVERIFIED information from my consumer file, it has cost me tremendously in regards to employment opportunities, residency approvals, loan/credit line approvals, and administrative fees for the dispute process.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03 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: Global Lending Services LLC
State: NC

Complaint narrative:
Victim of inquiry issue..numerous inquiries on my report that I dont recognize or gave permission to pull my report. Please remove all inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Bureau of the Hudson Valley, Inc.
State: NY

Complaint narrative:
XXXX - Disconnected XXXX internet service in XX/XX/XXXX. Due to switching to XXXX XXXX. End date : XX/XX/XXXX. Final Bill : XX/XX/XXXX. 

XXXX - Notification from XXXX  to return the following equipment -Network Router : XXXX -Network Router : XXXX -Cable Modem : XXXX I followed link to a pre-paid shipping label at XXXX/XXXX  to ship it back. I filled out the form, printed the label, it equipment into in a cardboard box and brought it to the mail carrier XXXX - Email notification from XXXX of {$80.00} balance XXXX - Contacted XXXX to inquire about equipment charge of {$80.00} dollars. I spoke with XXXX. Call reference number : # XXXX. I informed him that I had mailed back the equipment using their own XXXX label. He checked my account and stated eventually stated that : " I am able to see that your account balance Is {$0.00} '' XXXX {$80.00} charge appeared on my checking account. Contacted XXXX to dispute the charge, Spoke with XXXX ( Call reference # XXXX ) control # XXXX. He stated that : " Oh okay, I was able to confirm from the notes on XX/XX/XXXX that the {$80.00} charge was removed '' I informed him that I was charged anyway on my debit card. He stated : " What I am going to do is sent an equipment form so we can look Into this once we look into this we will remove the {$80.00} charge and you will have that chargeback to your card ''. I asked him what equipment it was and he reported that they are missing the XXXX brand Modem. 

I escalate to a supervisor, who was to call me back in 24-48 business hours - but I did not receive a call, and it was impossible to reach out to the same representative. 

XXXX - Called back and provided call reference numbers and asked to speak with a supervisor and was told I need to wait for a callback. Did not receive any missed calls during this time from unsaved numbers, and did not receive a voicemail or anything else that would indicate a callback was made. 

XXXX Disputed the {$80.00} with XXXX XXXX  and had the charge removed because I returned the equipment already. 

XXXX - Email from XXXX saying I have a statement amount of {$100.00}. I attempt to login to view the statement but I am unable to retrieve the account login without the account number on my statement. I tried to call the customer service number and hung up after an excessive wait length and I had already disputed the amount with my bank, so I gave up in frustration. 

XXXX The statement amount becomes {$120.00} at some point XXXX FICO score of XXXX. I'm usually somewhere between the score of XXXX XXXX - FICO score drops to XXXX XXXX - I request a copy of my credit report and found a Derogatory Remark from Collections from Optimum. 
XXXX - Filled dispute with XXXX  XXXX Dispute completed - information updated but not resolved XXXX - Filing complaint with the Consumer Finance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
On XX/XX/XXXX I contacted PNC 's Underwriting Dept re a  posssible {$3300.00} credit card balance transfer promotional offer of 15 months 0 % APR. I needed to effect a result quickly. I was approved, but when the credit card arrived the credit line was {$3000.00}. I filed a request with PNC 's Retail Escalation Division ( Case Mgr.  XXXX XXXX - XXXX ). I was told it would not take more than a week for a decision to be made. Two weeks later there was " no decision '' re the additional {$300.00} on the credit line. 

I gave up and, on XX/XX/XXXX, effected the balance transfer with the PNC Credit Card Dept ( " XXXX '' - XXXX ) for {$3000.00}. I never heard back from, nor was I able to reach, XXXX XXXX or anyone else in the Retail Escalation Department. As a result of the ongoing delay and failure of PNC 's Retail Escalation Dept. to rule on my additional request of {$300.00}, I was forced to proceed as though they had rejected my request. I did so after waiting three weeks, attempting to reach Mr. XXXX and other members of the Retail Escalation Dept. and failing to reach anyone. That delay has now forced me to have to pay the {$3300.00} credit balance on TWO cards : the original credit card and the PNC credit card. The total failure of Mr. XXXX to rule on my request damaged me financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: FL

Complaint narrative:
I had an auto account with XXXX XXXX XXXX that was sold to Jefferson capital and they offer me an settlement which I had paid successfully on XX/XX/2020of {$1200.00} and it was stated that within 30 days which it has been more than 30 days since XX/XX/2020they would request for a deletion from all my credit bureaus but they haven't completed their end of the word and I need that to be deleted off my reports and my husband report because he joint sign with me on this account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03 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:
To Whom it May Concern : I am writing this letter to notify you of a continuing violation of the Fair Credit Reporting Act ( Section 609 ( a ) ( 1 ) ( A ) ) committed by Capital One.

After several acts of disputes and letter submissions made on my end, each attempt proved futile. At times, some of the requests made were not even acknowledged with a response. As I attach some of the articles in this compliant evidencing correspondence that took place, it is unequivocally clear that I never made a refusal to pay, but gave notice that the claims alleged were disputed. Due to their negligence, noncompliance, and refusal to delete UNVERIFIED information from my consumer file, it has cost me tremendously in regards to employment opportunities, residency approvals, loan/credit line approvals, and administrative fees for the dispute process.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ONLINE Information Services, Inc.
State: NC

Complaint narrative:
On XX/XX/2020, I paid off this debt collection invoice in the amount of {$100.00} to Online Information Services, it was reporting past due on all three credit bureaus. After paying my collection in full with the confirmation # of XXXX Initiated a credit dispute on XXXX, XXXX, and XXXX. As of today, this bill has been removed from XXXX, and XXXX, but I received a dispute complete email from XXXX  stating that the Online Information Services company stated that this was valid and that the status was unpaid. This is incorrect and needs to be corrected ASAP. How can it be removed as paid on 2 out of the 3,  yet on XXXX, they reported it as unpaid? I have receipts, and feel as though this has to violate several regulations in the FCRA, FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: OH

Complaint narrative:
In XXXX of 2020 I contacted the three main credit bureaus and the individual debt collectors about debts that are on my credit report that I am not familiar with.

The three credit bureaus responded that these accounts were verified, but could not tell me how they were verified or what information and documentation was provided to them to verify these negative accounts. 

In XXXX of 2020, I contacted each debt collector directly via letters that were sent by USPS and by phone. None have sent any documentation showing that these are my accounts. I have only been provided with an account statement showing a debt. 

Because of all the fraud that has taken place throughout the world I am asking for documentation showing these debts are mine. Not an account statement. If these are indeed mine, they should be able to provide me with this information. 

After contacting my attorney, in order to move forward with a lawsuit - I will be sending another letter via Certified Mail to each company involved. If these accounts aren't removed or original documentation provided we will move forward with our legal process.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
To Whom it May Concern : I am writing this letter to notify you of a continuing violation of the Fair Credit Reporting Act ( Section 609 ( a ) ( 1 ) ( A ) ) committed by Huntington Bank.

After several acts of disputes and letter submissions made on my end, each attempt proved futile. At times, some of the requests made were not even acknowledged with a response. As I attach some of the articles in this compliant evidencing correspondence that took place, it is unequivocally clear that I never made a refusal to pay, but gave notice that the claims alleged were disputed. Due to their negligence, noncompliance, and refusal to delete UNVERIFIED information from my consumer file, it has cost me tremendously in regards to employment opportunities,  residency approvals, loan/credit line approvals, and administrative fees for the dispute process.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I am writing this letter to notify you of a continuing violation of the Fair Credit Reporting Act ( Section 609 ( a ) ( 1 ) ( A ) ) committed by DPT/ED NAVI.

After several acts of disputes and letter submissions made on my end, each attempt proved futile. At times, some of the requests made were not even acknowledged with a response. As I attach some of the articles in this compliant evidencing correspondence that took place, it is unequivocally clear that I never made a refusal to pay, but gave notice that the claims alleged were disputed. Due to their negligence, noncompliance, and refusal to delete UNVERIFIED information from my consumer file, it has cost me tremendously in regards to employment opportunities, residency approvals, loan/credit line approvals, and administrative fees for the dispute process.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: PR

Complaint narrative:
On XX/XX/2020 I was sent a letter by this company attempting to collect debt part of Identity Theft already reported to the Police Department. I have a credit fraud alert on my credit report and the agency has already been contacted to alert them of this but I keep receiving phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems
State: NC

Complaint narrative:
On XX/XX/2020 I received notification from XXXX my credit report changed. I checked and there was a collection account for Midwest recovery systems llc. I reached out to both midwest recovery systems and they did not have a valid mailing address on file and they never sent notification 30 days prior before this was placed on my credit report. I reached out to XXXX XXXX loans the original creditor and they do not have an account for me in their systems. The represenative from Midwest Recovery systems refused to provide me a mailing address or any information about the debt and refused to send out any paper notifications.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Capital Benefit, Inc.
State: CA

Complaint narrative:
Capital Benefit try to foreclosure on me and charge me late and other charge and I do not know what kind of charge is that? Please request them to spell out what is other due?? why the late charges is so high, Capital Benefit try to rip off consumer and try to foreclosure their customer illegal. Please stop them to help the consumer. I need to know what is Other due for {$3400.00}. You charges customer so much money and you can not say that you don't know what is that for. I need to hear from you asap. What is include in {$11000.00} on your NOD?? I need the detail for this charges. 
Thank you so much!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03 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: MN

Complaint narrative:
The Fair Debt Collection Practices Act ( FDCPA ), Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on September 20, 1977 ( and as subsequently amended ) is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. The statute 's stated purposes are : to eliminate abusive practices in the collection of consumer debts, to promote fair debt collection, and to provide consumers with an avenue for disputing and obtaining validation of debt information in order to ensure the information 's accuracy. [ 1 ] The Act creates guidelines under which debt collectors may conduct business, defines rights of consumers involved with debt collectors, and prescribes penalties and remedies for violations of the Act. [ 2 ] It is sometimes used in conjunction with the Fair Credit Reporting Act. [ 3 ] [ 4 ] Type of Business Date of inquiry Credit Bureau XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Dealers, New XX/XX/XXXX XXXX XXXX XXXX Automotive XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX  XXXX XXXX XXXX Auto Dealers, New XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX Travel/Entertainment   XX/XX/XXXX TransUnion  XXXX XXXX XXXX Equipment Rentals/Leasing  XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX  XXXX XXXX Truck Dealers XX/XX/XXXX XXXX   XXXX Leasing and Rental Reseller XX/XX/XXXX XXXX   XXXX Miscellaneous XX/XX/XXXX TransUnion XXXX XXXX XXXX Truck Dealers XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX Auto Financing XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX   XXXX - XX/XX/XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX  Auto Financing XX/XX/XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX Credit Report Brokers   XX/XX/XXXX XXXX  XXXX XXXX XXXX Truck Dealers   XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX  XXXX Mortgage Reporters XX/XX/XXXX XXXX  XXXX Miscellaneous XX/XX/XXXX TransUnion XXXX XXXX XXXX Tenant Screeners XX/XX/XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX TransUnion

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