vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-24 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: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
I have attached letters from XXXX XXXX  stating they have bought the debt back and are the owner of the debts being challenged as fraudulent. This means PORTFOLIO RECOVERY is to remove the debt with XXXX/XXXX  XXXX  IMMEDIATELY from my report. XXXX XXXX  has been full of lies. They promised me a check in writing to CFPB and me on XX/XX/2020 and then when I called them to find out where it is they were rude and admitted that their notes are full of contradiction and told me they are NOT sending the check they promised for {$220.00}. Furthermore I have a letter showing one account to be found fraudulent and by phone they tell me it's not fraudulent, still opened, that the amount they have refunded me of {$120.00} is being added back to the balance of the still opened account. Until this is resolved I don't trust anything they say. Therefore I am making sure PORTFOLIO RECOVERY is removed as they too can not provide any contracts or proof this is my account AND they letter from XXXX XXXX, dated XX/XX/2020, states they are the owner of the account and have bought it back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-24 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:
XXXX XXXX XXXX I have no knowledge of the company nor previous contracts XXXX  XXXX- I have no knowledge of this company nor previous contracts XXXX  XXXX- I have no previous contracts or knowledge of this company. They sent me a letter stating I wasn't found in there system XXXX  XXXX XXXX  XXXX-I have no knowledge of the company nor previous contracts XXXX   XXXX-I have no knowledge of the company XXXX XXXX I have no knowledge of this company and it was removed from my XXXX 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 2020-01-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
Santander Consumer USA has lied to this agency. They never sent me any paperwork after the repossession of the vehicle as they purportedly claimed to have done previously. They have reported this debt inaccurately to all three credit bureaus which I have the proof from 2 to 3 bureaus that the account is being reported falsely and fraudulently. 

Furthermore, I have received zero paperwork from Santander Consumer USA showing how much the vehicle sold for in proof that it actually sold for that price rather than taking them afterward due to the number of numerous class action lawsuits that they're currently involved in for deceptive lending practices. They turned around and charged off my account but yet they say the account is still open. How can a charged-off account be still open? 

They haven't sent me one shred of paperwork showing what sort of payment arrangements can be worked out and I was told after the conversation to repossess a vehicle that I would be sent paperwork showing how much do beagles sold for whereby I could resume making payments at that time. Conveniently Santander Consumer USA claims that they can not furnish proof of said conversation in which seems very highly suspect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I paid off my house before XXXX, XXXX with a cashier 's check through regular mail exactly as PNC Mortgage instructs in their payoff letter. In fact, PNC has a copy of my envelope proving that I mailed my payoff before XXXX. 

In XXXX, PNC deducted via EFT a mortgage payment for my house after it was paid off. When I called to find out why they did that, they said they didn't get my check, so I stopped that check with a {$30.00} fee and started all over with a subsequent amount from a subsequent PNC payoff statement that I mailed on XX/XX/XXXX. 

Then later in XXXX, PNC says that my first check arrived on XX/XX/XXXX. 
On XX/XX/XXXX, they sent a letter that my loan was paid off. 
On XX/XX/XXXX, they sent a letter that I owed {$29000.00} and that it should go to a P.O. Box instead of the street address that the previous payoffs had gone to. 

When I called to say that I didn't owe them anything, I got nowhere with the agent I spoke with. However, the first time I called in XXXX I had the presence of mind to get a full name and direct # of the person I spoke with. She knew that my loan was paid off, and that PNC 's records didn't indicate that. She gave me the impression that California doesn't talk to Ohio in this firm, which is PNC 's internal problem, not mine. 

My house was paid off in XXXX and it is now XX/XX/XXXX. I still have no lien release, nor my original note. I have no final statement from the lender showing my loan is paid in full. 

My suspicion is that this lender claims that payments to them are lost in the mail routinely, to falsely justify collecting extra mortgage payments at the end of the loan. If I had not gotten the name and number of a PNC employee who was sympathetic and knowledgeable in XXXX, I'm sure I would still be trying to make PNC believe that I have paid off my house twice now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 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: TN

Complaint narrative:
I first noticed my identity was stolen late last year, I don't know when or whom may have stolen my identity. I'm in my mid XXXX so I am just now knowing about credit and how it works mind you I have never used my social for anything, I have never applied for anything so to see that someone has been using my information was hurtful and made me feel low and vulnerable. I have filed a police report with my local department.These people opened multiple credit cards in my name, obtained appliances and furniture, opened cell phone accounts, and rendered medical service all under my social security number. None of the accounts on my report belong to me I have contacted all the companies that are on my report to no avail. Companies like XXXX  XXXX  for XXXX and XXXX, and XXXX XXXX XXXX for XXXX. I will also be attaching a copy of my FTC affidavit with the corresponding negative accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XX/XX/XXXX : two charges appear on my capital one credit card statement -- both at XXXX XXXX on XXXX XXXX XXXX in XXXX, one for {$590.00} and another for {$270.00}. 
- I report fraud that same day, locking the credit card, and admitting to the capital one customer service representative that the card was perhaps not on my person, thinking that it may have been stolen. 
- later that day I find my card in my house and know that there is no way it was also present at the XXXX XXXX at XXXX XXXX ( I have never stepped foot in that store ). 

XX/XX/XXXX : both charges are refunded to my credit card account while capital one considers my fraud claim. 

I am issued a new credit card, get it in the mail XX/XX/XXXX, and am in possession of both the old ( canceled ) card and the new card. 

XX/XX/XXXX : both charges are once again charged to my account. 

XX/XX/XXXX : I notice the charges and call capital one to follow up. I am told in a roundabout way that my claim was denied because the chip was present at the store at the time of the transaction. Implying that either I myself made the transaction, or someone stole/borrowed my card and then returned it to my house in order to make the purchases. I lock the currently active card. 

XX/XX/XXXX : I attempt to call capital one again and sort this out. I am told there is nothing they can do and that I will be responsible for the charge. 

XX/XX/XXXX : I call XXXX XXXX customer service, am connected to the XXXX   XXXX XXXX location and am connected back to customer service after speaking to 4 different people. No one can give me transaction numbers or confirm that the card was present at time of purchase. No one can give me an itemized receipt, tell me what items were charged, or give me SKU numbers or any other information about the purchases. 
-- I also receive a letter XX/XX/XXXX from capital one stating that the fraud investigation revealed no evidence of fraud. I did not receive any other notification of this, only a letter ( attached ). 
-- I am now filing a complaint with FTC on this website and plan to report to local law enforcement tomorrow.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-24 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS

Complaint narrative:
Bank of America mailed to me a promotion of zero percent interest on balance transfers and purchases until XX/XX/2021. Along with the offer two checks were sent in which I filled out. 1 ) for {$970.00} to XXXX XXXX XXXX and another to XXXX XXXX for {$7900.00}. I looked at my account online today and discovered I am being charged 1.99 % interest on my purchase of {$7900.00} to XXXX XXXX until XX/XX/2021 and 0 % interest on my charge of {$770.00} to XXXX XXXX. I called to inquire and was told that the two checks had different promotional offers and that it was my fault for not filling the checks out correctly. I was told that this could not be resolved that I would just have to live with it. I was charged a total of {$260.00} for a 3 % transaction fee, which I knew I would get, and a {$8.00} interest fee that I did not agree to. I am so concerned that they may fraud me further that I closed my accounts and will be paying them off within the next few weeks, even if I have to sell a kidney. So far this has been a {$270.00} lesson.

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 monetary relief
Consumer complaint received 2020-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX a debit transaction attempted to clear my account. It was not an ACH or A Check but a debit transaction. This transaction was denied and I was charge a {$32.00} fee by XXXX. This merchant attempted to charge my card again on XX/XX/2020 and again XXXX charged be {$32.00} for this attempted debit transaction. I made it very clear to the XXXX customer service rep that I don't have overdraft coverage and I opted out of this coverage with one of their customer service representatives by phone to mitigate fees like this. It outrageous to assume that banks would try to charge someone a fee for an attempted debit transaction. This is just greed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I am a consumer in pursuant to XXXX XXXX XXXX, XXXX, XXXX, and JPMCB is in violation of 15 USC805 Communication in connection with debt collection ( a ) Communication with the consumer generally without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction a debt collector may not communicate with a consumer nor any 3rd party in connection with collection of any debt I never received notice from XXXX  XXXX, XXXX, nor JPMCB consent to furnish my data I did not receive a notice from them giving me 30days to dispute any debt in pursuant to 15 USC 1692e 807 A debt collector may not use any false deceptive or misleading representation or means in connection with the collection of any debt the following conduct is a violation of credit bureaus reporting without my consent created an profile in my name reported my name and address with a false amount and no contract. They stole my identity this is a {$1000.00} violation. In pursuant to Title 31 U.S.C. Sec.3123 all debts are United States obligations! In pursuant to The False Claims Act ( FCA ), 31 USC 3729-3733

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 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: MI

Complaint narrative:
Attached is the letter of PROOF you demanded of me because you failed to do your job correctly when I submitted my drivers license showing my only address, mailable to me. Now I am demanding removal of the INQUIRY and the address of XXXX  XXXX  MI.

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 2020-01-24 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: TN

Complaint narrative:
I first noticed my identity was stolen late last year, I don't know when or whom may have stolen my identity. I'm in my mid XXXX so I am just now knowing about credit and how it works mind you I have never used my social for anything, I have never applied for anything so to see that someone has been using my information was hurtful and made me feel low and vulnerable. I have filed a police report with my local department.These people opened multiple credit cards in my name, obtained appliances and furniture, opened cell phone accounts, and rendered medical service all under my social security number. None of the accounts on my report belong to me I have contacted all the companies that are on my report to no avail. Companies like XXXX  XXXX  for XXXX and XXXX, and XXXX XXXX XXXX for XXXX. I will also be attaching a copy of my FTC affidavit with the corresponding negative accounts.

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 2020-01-24 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: TN

Complaint narrative:
I first noticed my identity was stolen late last year, I don't know when or whom may have stolen my identity. I'm in my mid XXXX so I am just now knowing about credit and how it works mind you I have never used my social for anything, I have never applied for anything so to see that someone has been using my information was hurtful and made me feel low and vulnerable. I have filed a police report with my local department.These people opened multiple credit cards in my name, obtained appliances and furniture, opened cell phone accounts, and rendered medical service all under my social security number. None of the accounts on my report belong to me I have contacted all the companies that are on my report to no avail. Companies like XXXX  XXXX  for XXXX and XXXX, and XXXX XXXX XXXX for XXXX. I will also be attaching a copy of my FTC affidavit with the corresponding negative accounts.

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 2020-01-24 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: IL

Complaint narrative:
Our father XXXX XXXX XXXX passed away on XX/XX/XXXX. 
Our mother XXXX XXXX XXXX passed away on XX/XX/XXXX. 
My brother XXXX XXXX XXXX, who is residing at our parents home with his wife and family, received a letter dated XX/XX/XXXX from a company SLS ( Specialized Loan Servicing out of Colorado ) addressed to our deceased father XXXX XXXX XXXX. 

This letter was informing our father that unless he repaid a Home Equity Loan taken out around XXXX, and that our parents missed their payment for XX/XX/XXXX, that they would begin foreclosure proceedings ( SLS LOAN XXXX ). 

Our father who was a XXXX veteran had to file Bankruptcy on XX/XX/XXXX due to mounting medical bills from him XXXX  XXXX  XXXX   XXXX XXXX XXXX from a XXXX  XXXX XXXX. 

Our fathers Bankruptcy was XXXX in XXXX XXXX on XXXX/XXXX/XXXX under case XXXX. Our father thought that all his debts, other than the Original Mortgage, and his vehicle loan, were discharged in the bankruptcy, including this Home Equity Loan. 

My brother and his wife attempted to contact SLS in regards to this matter. SLS would not speak to my brother or his wife as they did not have AUTHORIZATION from our deceased parents. 

I filled out a complaint with the XXXX XXXX XXXX regarding this issue with SLS on XX/XX/XXXX. 

On XX/XX/XXXX SLS sent a second letter to our deceased father wanting both our deceased parents signature authorizing SLS to speak to me ( XXXX XXXX ) as I am the EXECUTOR OF THEIR ESTATE. How can 2 deceased people sign an authorization. 

On XX/XX/XXXX I sent SLS a signed 3rd Party Authorization to talk with me regarding my parents case. 

I had also in the mean time contacted the Illinois Attorney Generals Office, along with a Private Attorney, XXXX XXXX, from XXXX XXXX, IL. 
The Attorney General advised recently that SLS refuses to contact their office reference our parents case. The Attorney has sent letters, signed 3rd Party Authorizations to SLS, only to be ignored. 

I would like this Home Equity Loan be CLOSED out by this company SLS as they refuse to talk to us, they refuse to send our attorney any documentation of the Home Equity Loan. 

This makes me believe that my parents never signed any paperwork for this loan. 

This H.E.L shows up on the deed to our parents home as being originally through XXXX XXXX XXXX. 

This company was known to have committed Civil Mortgage Fraud and was taken over by XXXX  XXXX XXXX in XXXX. 

This company is a disgrace to the lenders that make legitimate loans. 

I have the documentation and our parents Death Certificates if needed.

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 2020-01-24 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:
XXXX XXXX XXXX I have no knowledge of the company nor previous contracts XXXX  XXXX- I have no knowledge of this company nor previous contracts XXXX  XXXX- I have no previous contracts or knowledge of this company. They sent me a letter stating I wasn't found in there system XXXX  XXXX XXXX  XXXX have no knowledge of the company nor previous contracts XXXX   XXXX-I have no knowledge of the company XXXX XXXX I have no knowledge of this company and it was removed from my XXXX  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 2020-01-24 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:
XXXX XXXX XXXX I have no knowledge of the company nor previous contracts XXXX  XXXX I have no knowledge of this company nor previous contracts XXXX XXXX- I have no previous contracts or knowledge of this company. They sent me a letter stating I wasn't found in there system XXXX  XXXX XXXX  XXXX-I have no knowledge of the company nor previous contracts XXXX XXXX-I have no knowledge of the company XXXX XXXX I have no knowledge of this company and it was removed from my equifax  report

Company response to consumer: Closed with non-monetary relief