vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: VIRTUOSO SOURCING GROUP, LLC.
State: NE

Complaint narrative:
XXXX transferred two items on our cell phone account totaling over {$6000.00}. We had XXXX XXXX with XXXX come to Our house and do an interview. XXXX could not justify these amounts or how someone transferred money out of a cell phone account. The Nebraska XXXX Department gave us a case number. We returned all devices that were not owned by us with the agreement XXXX would unlock devices we had out right paid for and owned. XXXX never unlocked those devices and therefore the agreed amount of {$300.00} we did not owe or pay. They have since just recently damaged our credit with another amount of over {$1400.00}!!!! The collection source they have it to will not collect on this as fraud was involved. How do we get this Virtuoso collection mark off our credit now??

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
XXXX merged with PHH Mortgage Service who has changed my mortgage payments again and again. I have filed several complaints before when XXXX was servicing the mortgage. This is the 2nd time in less than a year that the escrow account has been changed even thou the taxes and insurance has not. According to a letter dated XX/XX/2019 ( PHH Mortgage Services started servicing on XX/XX/2019 ) that the escrow account is a projected to be {$140.00} and my account will be charged an additional {$12.00}. Initially it was an additional {$17.00}. Each time the payment drops, the company finds a reason to add additional money. If you check your account in XX/XX/2019, I got a projected shortage also. I'm requesting a complete investigation of their records to see how they're robbing customers by claiming shortage!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 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: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
Portfolio recovery associates has harassed me for 2 years now off and on, i have tried to explain to them this is not my debt inXX/XX/2017 when they first started calling me, they call my cellphone 2 or more times a day everyday at all hours, they continuously mail me letters and for the second time they have placed a collection on my credit report. They are a horrible company and their employees are rude when i did try to explain to them they had the wrong person!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: DC

Complaint narrative:
For almost three years, I've been trying to work with Discover card to inform them that this account was opened without my knowledge or consent. Most of my work can be chronicled on this platform. 

Throughout that time, I've witnessed a cascade of lies, misinformation and stall tactics employed by Discover. 

I've made it clear that I wasn't in the District when this account was opened, and when this card was used. 

Their response has evolved from : -we know he opened the card, but we have no proof ; -now our proof is a bunch of credit card statements -oh wait, we have application information that includes your relevant information, and we were able to verify it ( although that would have been hard since I WASN'T IN THE AREA FROM XXXX ). 
-We can't share application information, and we used an email address as part of the application, but we don't know exactly what email address. 
-Oh wait, we have the email address, and it's the one used on this complaint ( which became their position in XX/XX/17 AFTER I PROVIDED THEM WITH MY EMAIL ADDRESS ). 
-Then it was " we mailed you the attached statements. '' Then, " well, we didn't, we sent them via email, but we can't tell you which email address. '' Then " oh yeah, we sent it to the email address that you provided us, but we can't show you. '' -Then it was " well we can't show you the application, because it was submitted via the web. And because our systems are proprietary, we can't screenshot it and provide you proof. '' **Note** as a person who XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, I can tell you this : no matter how proprietary the tech is that drives the site - every site has a " print fields '' function on data that they collect. I have a hard time imagining that Discover is any different. ** Then they claimed that they were going to sue me, but the statute of limitations to sue has expired. 

And in my last complaint, I finally found, and provided, proof of residence in the form of my signed subcontract least, placing me in OHIO during the time this account was opened. Yet, there was no mention of this during their last response. 

CFPB - there is a long and lengthy paper trail in the form of their responses that supports eveything I've documented. 

Discover - if you had any real proof, you would have sued. However, I can sue - for a variety of FCRA violations, along with libel and defamation of character. 

I've provided you with proof that I wasn't here with this application was opened. Fix this now. I've run out of patience.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 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: SUNTRUST BANKS, INC.
State: TX

Complaint narrative:
BETWEEN XXXX AND SUNTRUST I AM NOT REALLY SURE WHO TO BLAME AT THIS POINT. I AM VICTIM OF AN IDENTITY THEFT, FOR MONTHS I HAVE BEEN SENDING DOCUMENTATION TO BOTH COMPANIES TO HAVE THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. I DONT KNOW WHAT ELSE TO DO, WHO TO COMPLAIN. PLEASE HAVE THE FRAUDULENT ACCOUNT REMOVED, ITS NOT MINE.

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 2019-07-09 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: Ditech Financial LLC
State: WI

Complaint narrative:
In XXXX of 2006, we purchased a home and the took out a second mortgage which was eventually sold to Ditech. We had our payment set up on automatic debits and the company either sold the loan or sold their company. 

We never paid this loan late. We have tried to contact the company many times with no success. 

We are asking them to remove our late pays from all three bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 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: UT

Complaint narrative:
US bankruptcy court in XXXX XXXX XXXX has wrongfully reported someone else bankruptcy on my credit report who has a similar name as mine. the inaccuracy is showing as a bankruptcy discharged in XX/XX/2011 on my credit and having a negative impact on my credit score. I have submitted documentation from the court to prove that it is not my bankruptcy and experian says that the people who reported the public record shows that it is accurate. which I'm sure the information is correct ... but its on my credit report not theirs. it needs to be removed off my credit report and added to theirs.

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 2019-07-09 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: TX

Complaint narrative:
My complaint is with experian credit bureau i keep dispute items on my credit report and they keep putting things on there from my sons i have XXXX sons with the same name but i am a sr and every time i call to get information about my credit they tell me i had the wrong information and wont let me on my credit file it a shame that i have to look at my credit on XXXX XXXX to see what is on their and then they putting all these hard inquires on my credit that i didnt give permission and i keep asking them to update their information when i apply for credit i ask them to run my credit 1 time and they end up sending it to 40 or 50 people

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 2019-07-09 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND A ENTRY IDENTIFIED AS INQUIRY THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRY HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRY AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRY DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Global Credit & Collection Corporation
State: VA

Complaint narrative:
I mailed a certified Cease and Desist letter to their company on XX/XX/2019 pursuant to section XXXX of the Fair Debt Collection Practices Act. However, XXXX XXXX XXXX XXXX XXXX did not honor the letter. There company continued to contact me several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 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 — Overcharged for something you did purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
American Express customer service is the worst nightmare XX/XX/2019, I tried to book 2 airline tickets on Amex travel website. During the final step of the booking, the page showing me errors as theres a problem with the booking and that I need to call Amex customer service to check if my reservation went through even though I saw a pending charge on my card for the amount of {$7400.00}. However, I got no reservation number, no confirmation.I called Amex immediately and was confirmed that nothing came through, they also advise me to rebook my ticket and that they will stay on the phone to make sure. They also informed me that the pending charge will dropped after a few days. The second booking went through with no problem XX/XX/XXXX, the initial charges still on my account, we contacted customer service once again and also were advised that the pending amounts will go away XX/XX/XXXX, the charges posted on my account. I called Amex and got transferred to 5 different people. I was put on hold for an hour and the agent told me they will contact me back as soon as possible. No one ever call me back. They also told me that I over charged my card and that the card might be declined (!!!!!!! ) XX/XX/XXXX, Im on a business trip, and of course, my Platinum Amex declined. I now have no credit card on hand for my expenses. I called them again, got transferred to several agents and at the end got hang up on while waiting to be transferred Ive heard lots of good things about American Express and was excited to get the platinum card. As a new customer, I feel angry, frustrated and upset with the whole experience. I feel unappreciated and lied to. Its an acceptable for a company like American Express to not follow up with customers to try to resolve the issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-09 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: AMERICAN HONDA FINANCE CORP
State: WI

Complaint narrative:
In XXXX of 2006, we purchased a home and the took out a second mortgage which was eventually sold to XXXX. We had our payment set up on automatic debits and the company either sold the loan or sold their company. 

We never paid this loan late. We have tried to contact the company many times with no success. 

We are asking them to remove our late pays from all three bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND A ENTRY IDENTIFIED AS INQUIRY THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRY HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRY AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRY DOES NOT RELATE TO ANY TRANSACTIONS MADE BY 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 explanation
Consumer complaint received 2019-07-09 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: NY

Complaint narrative:
I have contacted equifax numerous times by phone and also by online dispute. I have a collection on my equifax report that has incorrect and inaccurate information. The collection states on my equifax report that the account for a XXXX collection was OPENED XXXX of 2019 when that is inccorect. I have asked equifax numerous times to remove the collection due to false information and have had no luck and continue to get shot down by them. The account is also not updating to fall off within the the seven year mark and continues to update with no luck on my end trying to resolve the matter. I appreciate our help in advance thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
XXXX XXXX XXXX has harassed me for 2 years now off and on, i have tried to explain to them this is not my debt in 2017 when they first started calling me, they call my cellphone 2 or more times a day everyday at all hours, they continuously mail me letters and for the second time they have placed a collection on my credit report. They are a horrible company and their employees are rude when i did try to explain to them they had the wrong person!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Experian must contend that it violated the Fair Credit Reporting Act at least. Experian refuses still to place the complete unchanged personal statement that I requested several time. Experian by placing a statement that I didnt consent to is committing a falsification, retaliatory adverse action against My record it administers or stores and Experian must be adhere to the law and comply immediately or if not The regulators must intervene immediately in this case. 

Experians desired Statement to be placed on my credit report is as follow word by word as it represents Experian only not the complainant at all : MY WIRELESS PROVIDER STILL HAS MY SAME UNCHANGED AUTO- PAY TO DEBIT FOR ANYTHING EDIT LEGITIMATELY CHARGED. THEY CUTOFF ALL SRVCS, REFRAINED TO GET PAID. The attached file shows the Experians Desired statement and is from the credit report Experian falsified and is forcing me to use it and dont speak up again about Experians Violations and threat to the public .Experian will pay huge legal consequences for its retaliation against me. 



The above statement as long as Experian keeps it, it continues falsifying my credit report and it continues using my information improperly in violation of the FCRA and my rights asserted by the Privacy Act and/or my state applicable law.

All stated herein is to the complainant current states belief, knowledge and understanding and it is all subject to any change or correction by him only at any time without any notice and without waiving his rights. 


Experian is a fraudulent consumer agency working against the nation and it must be censored and a new one to replace 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 non-monetary relief
Consumer complaint received 2019-07-09 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: IL

Complaint narrative:
there are 6 accounts reporting on my credit report that are claiming to be in a chapter XXXX, wage earner plan. i have never filed a chapter XXXX, i have filed several disputes with transunion requesting debt validation and asking for proof that these accounts belong me, i was told that the information is being verified by my home address, they have refused to provide any type of contracts, they did acknowledge that my account shows inaccuracies but they refused to remove these negative remarks, instead they said i need to dispute these items again, this will be dispute number 6, i am entitled to see verification on how they are saying these debts belong me but i have not got any help from trans union.

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 2019-07-09 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: ONLINE Information Services, Inc.
State: SC

Complaint narrative:
I had a collection account added to my credit report in XX/XX/XXXX for a utility bill from XXXX XXXX. I never received the final bill and never received an attempt to collect payment for the final invoice for XXXX XXXX. The amount of the invoice was {$99.00} and all my other invoices I had received a statement through email that prompted my payment of the invoice. I am being told 2 different stories. XXXX XXXX tells me they did not have a forwarding address which means they could not have mailed the final invoice to me. The collection company claims they had an address on file once it came to them but that address was provided by myself when I called to clear the account. There has been a lot of back and forth. The customer support at XXXX has been good but Online Collections XXXX is rude and unprofessional. 

As well I was never contacted by the collection company about resolving the issue. It was not until I applied for a mortgage refinance that I learned the collection was on my account and I cleared it up quickly trying to get this removed from my report. 

Unfortunately I have been lectured by XXXX about my responsibility etc and did not appreciate being talked to like a child while trying to inquire about having the collection account removed since it was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND A ENTRY IDENTIFIED AS INQUIRY THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRY HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRY AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRY DOES NOT RELATE TO ANY TRANSACTIONS MADE BY 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