vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-23 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: LA

Complaint narrative:
I learned that Portfolio Recovery had inserted a negative tradeline in my credit file in XXXX. I contacted them in XXXX to fins out what it was for. Once they sent me a sheet with not much information I responded and ask for validation of the debt on XX/XX/20 to date they have not responded with any sort of proof and they ignore my requests for information about this debt yet they still have this reported on all of my credit files. Enclosed are the proofs.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 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: AR

Complaint narrative:
This is the first time I have encountered identity theft.  I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible.

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 2020-04-23 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: AR

Complaint narrative:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no XXXX try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible.

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 2020-04-23 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: EQUIFAX, INC.
State: DC

Complaint narrative:
XXXX 's credit card {$3.00} that was paid XX/XX/20, .not sure but wasn't late ... and shouldn't be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 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: AR

Complaint narrative:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with identity IQ to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

ACCEPTANCE NOW XXXX {$5600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: KEYCORP
State: PA

Complaint narrative:
I disputed the charge wit key bank twice they gave the money back twice and took it again after they told me to shut my account down and make a new one to solve the problem! I have XXXX kids and aint working they took my last i Just want it back

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Avant Credit Corporation
State: WI

Complaint narrative:
I received a letter from The Avant Family on XX/XX/XXXX in which I had called because it stated I owed XXXX that was funded to me on XX/XX/XXXX. I had no idea what this was and had not taken any loans out. When I called they told me it was an online loan, they asked me for many things that I did not give to them, social security number, address, birthdate, and email address. I told Avant they sent me the letter they should have my address and I gave them the account number that was on the letter and that was all. I then asked them what email was associated with this loan that I did not take out? they told me they could not give that information to me. I figured at this point it was just a scam. In XXXX of XXXX I was in the middle of purchasing a building and the bank found I had profit loss on my account from Avant in the amount of {$14000.00}. I contacted XXXX XXXX and XXXX  to dispute this as it is not my debt and I had near perfect credit prior to this being on there. I got back from all three the same answer that it Remains and that it is accurate. I don't see how this is possible as I never took this loan out.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: HW Holding, Inc
State: AL

Complaint narrative:
In XXXX of 2020. A customer representative from XXXX XXXX XXXX contacted via telephone and informed me that I owed a debt to The XXXX XXXX XXXX XXXX  in XXXX, Al. He said I owed {$4200.00} and that it was illegal for me to just break my lease and leave. He talked about suing for the money owed. I explained to him that I turned in a 30 days notice to the leasing manager due to an unsafe environment. He asked why I left and I explained that the US MARSHALS kicked in my neighbors door. And we found out that it was because of drug activity and they were wanted on other felonies. It was a very unsafe environment and after finding that out I could no longer have my daughter living around that. I made my concerns known to the leasing manager on several occasions. And the people were still allowed to stay in the apartment. Which they were suppose to be barred from the premises. I continued to call the leasing manager and make my worries known. The customer service rep stated how I was in the wrong and continued to bagger me. Then a month later I get a notice in the mail from XXXX XXXX that I Wanted a dispute. And they sent me a copy of my lease.

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 2020-04-23 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: AL

Complaint narrative:
I HAVE TRIED TO FIX THE PROBLEM SEVERAL TIMES, THE FOLLOWING ACCOUNTS ARE NOT MINE, I HAVE CONTACTED EQUIFAX SEVERAL TIMES, THEY HAVE NOT PROVIDED ME WITH ANY SIGN CONTRACTS IN MY NAME OR ANY VALIDATION OF DEBTS, I HAVE BEEN A VICTIM OF IDENTITY THEFT, I AM ASKING THAT THE FOLLOWING ACCOUNS BE DELTED AND THE HARD UNAUTHORIZED INQUIRIES. 
XXXX  XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. 
INQUIRIES, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
Midland Funding is trying to collect a debt from me, that is owed by : XXXX XXXX. My legal name has never been " XXXX XXXX '' and I've never opened an account with that name. I have been trying to get the name removed from my credit report. My name has always been XXXX XXXX XXXX. I asked them to provide verification with my signature, but they only send electronic documents that could have been setup or accessed by anyone. I do not have knowledge of such an account because I never applied nor held am account with the surname XXXX. This is not my account!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
Reporting twice on my credit report. Which is damaging to my credit. Please remove from my credit report. I am under a IDReplayment plan with Department of Education. Navinet is continunously reporting my payments late. I would like them removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
I lost my part time job due to the Convid-19 virus and I called my load servicing company, New Rez Or Shellpoint Mortgaging Servicing, to defer my payment for a few months. The company told me I can defer payment for three months, but I will have to pay it back in a lump sum after the three months were up. That of course is ridiculous since it will be difficult to pay my mortgage now, tripling it in 3 months will be impossible. I spoke to an XXXX spokesman who said borrowers with a XXXX or XXXX  mortgage arent required to pay back their forbearance in a lump sum.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 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: NV

Complaint narrative:
My credit report shows two hard inquiries dated XX/XX/XXXX and XX/XX/XXXX from XXXX XXXX XXXX XXXX for a mortgage. I do not and have not had a mortgage through XXXX XXXX XXXX XXXX. My mortgage is and has been through XXXX XXXX. I have sent dispute letters to TransUnion requesting this information be removed in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The organization refuses to remove the inaccurate items from my credit report. I called the customer service number on XX/XX/XXXX, was on hold for 45 minutes, and then was disconnected.

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 2020-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Company refuse to investigate and provide a copy of the original sign consumer contract. I have recent complaints on here that has evidence of the failed investigations XXXX responses that I have gotten ). This is improper use of my report. I will seek litigation.

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 2020-04-23 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: AR

Complaint narrative:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

XXXX XXXX XXXX {$5600.00}

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 2020-04-23 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: AR

Complaint narrative:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

XXXX XXXX  XXXX {$5600.00}

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 2020-04-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC
State: NJ

Complaint narrative:
XXXX informed me that I was approved for a forbearance period starting XX/XX/2020 and ends XX/XX/2020. They did not inform me that I would have to pay the 3 months until I recieved a letter weeks later. I told them they are setting us up for failure as we can not make our monthly payments so how do they think we can make XXXX payment ya at once. They basically told me those are the guidelines. This is not right Also! I was told when I purchased my home as a single mother that my PMI would fall off after 3 years. When I inquired 3 years later, they told me my type of loan doesnt apply. They are not being honest and are saying and doing anything just to get people to buy homes through them

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 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: AR

Complaint narrative:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX {$4300.00} XXXX XXXX   XXXX {$780.00} XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX {$120000.00} XXXX XXXX   XXXX {$120000.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect
State: WI

Complaint narrative:
I don't know who these people are. I've never had a contract with them. I've never signed anything with them. I have not done business with them. I've never bought anything from them. They are saying I owe {$370.00} XX/XX/XXXX, {$940.00} XX/XX/XXXX, {$290.00} XX/XX/XXXX. I DO NOT!

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I received a collection account on my credit report on XX/XX/XXXX. On XX/XX/XXXX I called the collection agency IC System Inc to verify what this was. Initially I spoke with XXXX employee ID # XXXX who stated she could not find me in the system and when I gave her the account number as stated on my credit report she stated there was 10 people with that same account number. I asked for a supervisor which XXXX employee ID # XXXX tried to help verify the debt which is stated to be from XXXX which I have a current 5yr account with and owe them nothing. When I asked XXXX if they could send me the documention to verify this debt was mine with signatures and or proof that this belonged to me she stated " they do not have proper documentation to verify this debt belongs to me ''. 

Then I got transferred to another supervisor XXXX employee ID XXXX who stated that this is a debt directly from XXXX and they do not have the documentation to verify this debt and would have to request it from XXXX. I told her she can't report this debt and it needed to be removed. 

Per XXXX employee # XXXX this debt was opened in XX/XX/XXXX and sent to collections in XXXX of XXXX. 

IC Systems just recently bought this debt because it used to read as XXXX XXXX XXXX  on my report which I sent them a letter to validate this debt in XXXX and it was removed because XXXX XXXX XXXX did not validate this debt in XXXX! Now IC Systems is reporting it 3 years later without proper documentation to validate it.

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 2020-04-23 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have been a victim of identity theft. Credit card accounts were open in my name with the company XXXX. I worked with the creditor on numerous occasion and were able to resolve the issue. The creditor also sent alerts to all three major bureaus. Experian refuses to budge in removing the accounts. I have mailed in letters from the creditor, FTC Reports, police report and a slew of other requested documents and they still say the account has been verified. The creditor has stated they have not received disputes as of recently. Experian has also been in violation of FCRA by not sending method of verification or based on Section 609 what they have obtained to determine if the account belongs to me. I would like for these accounts on Experian to be removed.

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 2020-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
Midwest Recovery is reporting something on my credit file that I believe to be over 10 years old. They have not sent me any type of notification it just started to report on my credit file in 2018 for which I disputed it and it was removed. It started to report again this month. I am unclear what the debt is for but I again believe it's something that occurred over 10 years ago. They can not continue to just report it randomly!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I acquired a new credit card with Capital One. Using Capital One 's online service, I initiated a transfer of a balance of {$1200.00} from another card to my new Capital One account. A few days after the transfer showed that it had posted to my new Capital One account, my other credit card still had not been credited. I contacted both my credit union, where I had the older card, and Capital One to inquire. I discovered from Capital One that the transfer was done electronically, but the physical address attached to the transaction ( for verification purposes, I assume? ) was for an address I did not recognize. I asked my credit union about this address and was told, after some investigating, that it was for a bank in XXXX XXXX in no way associated with either my credit union or the credit card I have through my credit union. My credit union informed me that it was highly unlikely the transfer ever would be completed because of the incorrect address. When presenting this information to Capital One, customer service representatives were contradictory and refused to cancel the transaction at my request. They agreed, at best, to initiate an investigation and told me it could take up to 30 days. They could not explain how an incorrect address was attached to the transaction, not would they credit my account while their supposed investigation took place. I'm nearly a week into this process and carrying a {$1200.00} balance on my new Capital One card for a transfer that never happened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: WESTERN UNION COMPANY, THE
State: FL

Complaint narrative:
I sent {$200.00} USD to XXXX on XX/XX/2020 with the agreement that it would take " 0-2 days '' for the transfer to show in the receivers bank account, The XXXX XXXX XXXX. Once the transaction is completed, I received an email stating it will be deposited " by XX/XX/2020. '' I am now being told that the received needs to be registered with a third party bank in XXXX prior before the transaction can be completed. The third party company was never mentioned at the initial and during the transaction. The receiver does not meet all the requirements for the third party and now I am being told I can not get a refund, I will have to wait on when they get the funds back to Western Union. I also called Western Union, spoke to XXXX twice and XXXX several times which resulted ion me being disrespected, hung upon, refused a supervisor, promised a call from a supervisor within hours, transferred to a ringing number with no answer or voice mail.My email today is to let you know that Western Union breached our contracted ad did not provide full disclosure prior to taking my money. It is now XX/XX/2020 and the receiver is not in receipt of the funds. Western Union mislead me to believe the money will go to XXXX XXXX XXXX XXXX and within 2 days.

Company response to consumer: Closed with explanation