vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I found out end of last year when I tried applying for a car loan that a Capital One credit card account was created in my name in XX/XX/XXXX and it has a {$16000.00} balance on it. The history shows OK payments up to XX/XX/XXXX and there is a credit limit of {$4200.00} ( Way less than $ XXXX  ). I have not been watching my credit up to now so I was unaware of this and I have not been informed of this debt against me. It shows the account was written off because they were unable to collect on the debt. The account is also showing against an Arizona address where I have never lived at so I disputed this as being fraud by whoever is living at that address. Capital One responded to my dispute with a letter saying that the information provided shows no evidence of fraud and they are not taking any action. That doesn't make any sense. It seems Capital One is intentionally ignoring the evidence they already have in their possession. No additional evidence is needed. I did not apply for this account so obviously the owner of the house stole my identity. Capital One is not attempting to collect from that address. Capital One Bank is intentionally committing fraud by placing an fraudulent account on my credit that doesn't belong to me and intentionally hurting my credit. I have not applied for much credit in my life but because of my low score, I have a hard time applying for credit now. I have a rights by the Fair Credit Reporting Act. How does someone manage to get {$16000.00} out of a credit card account with only a {$4200.00} credit limit and using my information when I barely have any background of credit at all? The attached file shows clips of the owner of the property and details linking the debt to that address. Information was gathered from my Experian credit report and from the XXXX Assessors website.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I never received nor applied for this loan. I contacted them and the credit score people to no avail. I need this corrected and removed from my credit 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 2020-05-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Allied International Credit Corp., (US)
State: FL

Complaint narrative:
I received a letter from Allied International Credit Corp ( AIC ) today ( XX/XX/2020 ) the letter is dated from XX/XX/XXXX and I do check my mail daily. They claim they are representing XXXX for a debt owed in the amount of {$300.00}. They claimed that their client has reached out numerous times without success, untrue of course. They provide no dates or relevant account numbers that I may use for a reference. I do not own an XXXX XXXX credit card and I have no debts to either XXXX XXXX   or XXXX nor have I ever. Today ( XX/XX/2020 ) I called XXXX and XXXX credit cards to see if there has been any fraudulent activity in any way and my account was perfect. This is like an extortion attempt. I don't want my credit to be damaged by a bogus debt claim. I am reluctant to provide this person or company with any personal information as their claim is completely fabricated. I don't know how to defend myself other than filing this complaint and submitting the snail mail they sent me. I have seen a pattern of this practice by this company when online searching their company name combined with XXXX and reviewing complaints on the XXXX. Help is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: FL

Complaint narrative:
Enhanced recovery company will not validate debt. This is not my debt and it needs to be removed from my credit report all 3 credit reporting companys. I have try to get to the bottom of this and not getting help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09 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: CITIBANK, N.A.
State: LA

Complaint narrative:
XX/XX/2020 there was a credit inquiry on my credit report that dropped my credit score down 35 point. When trying to investigate the problem to explain this was not me and I do not recognize this inquiry. No success. Called 18 times. Stayed on hold for hours got hung up on twice before even speaking. So still havent even spoke with a agent. Im trying to build my credit and already have my preferred credit card. The fact that these people cant even answer the phone to bother tell me who or why they dropped my score 35 points. This is crazy. Especially when we have all this coronavirus going on. Im very disappointed that I even have to reach out to you guys. But again this is crazy.

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 2020-05-09 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There are several student loan accounts and credit accounts that are inaccurately reporting lates on my credit file. The following accounts have accurate late reportings : XXXX XXXX - Open date XX/XX/2019 XXXX ( 10 accounts ) - Inaccurately reporting 120 days late There are address information that don't belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There are incorrect name on my Transunion File : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There are several student loan accounts and credit accounts that are inaccurately reporting lates on my credit file. The following accounts have accurate late reportings : XXXX XXXX - Open date XX/XX/2019 XXXX ( 10 accounts ) - Inaccurately reporting 120 days late There are address information that don't belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There are incorrect name on my XXXX  File : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
After submitting several requests to portfolio recovery and associates in writing to completely validation the following accounts. 

After requesting the credit bureaus to delete the following accounts they have been reinserted back onto my credit reports to the three major credit reporting agencies.a violation of FCRA section 1681 1 ) Account : # XXXX XXXX XXXX XXXX   XXXX balance {$3500.00} Notice ; in the attachment original creditors name XXXX XXXX XXXX  XXXX has been changed to ( XXXX XXXX XXXX ) which is not consistent. Portfolio recovery & associate intentionally misrepresented and fabricated this account. As a result of the company 's action my credit report is now severely damaged. 

Notice, each violation under FDCPA is {$1000.00} 2 ) inaccurate reporting, unverifiable Account # XXXX XXXX  XXXX XXXXXXXX XXXX balance {$1900.00} In accordance with the Fair Debt collection practices act portfolio recovery and associates is in violation section 809 b.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NE

Complaint narrative:
I receive multiple calls daily from Portfolio Recovery and at all hours of the day so they are not only harrassing me but they call all day long. They also call from different numbers in different states each time and have threatened me with legal action and foul language saying that if I don't pay that they'll have me arrested and will sue me. The debt they claim I owe was paid after I accepted an offer from the creditor for a lesser amount but they are trying to say that I never paid it. I am getting very frustrated and have tried to work this out with the debt collection agency but they have been very rude and unwilling to listen and continue to harass me several times a day to where I don't even answer anymore.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I'm trying to link my XXXX account and they rejected it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
My name is XXXX XXXX XXXX my loan acct # XXXX from PHH Mortgagor Services at XXXX XXXX XXXX XXXX XXXX   NJ XXXX  Tel XXXX  ) I paid in the amount {$2500.00} for last few year now. XXXX demanded me to pay in the amount {$4000.00} which was an increase 27 % because mortgage company wanted me to pay off my balance before maturity date XX/XX/2035. I was offered from my mortgage co I will pay in the amount {$3200.00} each month and r.emain balance I will pay off on maturity. I can not afford the demand from mortgage co According on the agreement on section 5 if borrower still owns any amount under note ... the borrow will repay these amount in full by that date -- XX/XX/2035 ) Mortgage try to forcing me to short sell my house ( I never late payment ). 
Please help me to get afford payment and with reason amount and according per agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09 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: LA

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Commercial Acceptance Company
State: NJ

Complaint narrative:
XX/XX/2018 {$3300.00} The account was added to my account but I have not knowledge of the original creditor. I also never agreed to pay for a debt to a collections agency. I have disputed the collections account through each of the credit bureaus. I also mailed a letter to the actual collections company requesting varification showing where I had agreed to any accounts with them where I would make payments. The Company has not responded to any of my disputes or the letters I mailed out. This account is reflecting negatively on my credit report and making my debt level higher that it should be.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I am having an issue with a retail account though XXXX and I cant reach someone in customer service. Basically, I had special terms that expired on XX/XX/20 ( yesterday ). I am personally going through a lot right now from this virus so my mind has been in a blur as I have buried a family member yesterday. 

Last night, after falling asleep from exhaustion, I freaked out and realized it was XX/XX/XXXX. I called the Automated Phone system and submitted a payment for remainder of the balance without the interest ( what I should have owed before the terms expired ). However, on XXXX, WF already added in the {$980.00} in interest to my account. The automation system said since I paid before XXXX XXXX  PCT it will post on XXXX. Please just know I am very responsible with my bills its just been a bad month. I am not accepting this.

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 2020-05-10 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: FACTUAL DATA CORP.
State: NJ

Complaint narrative:
XX/XX/2020 hard inquiry The company ran a unauthorized credit report that is now showing up on my credit that I did not request. I locked my credit reports as to not have any new hard inquiries added.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK
State: NJ

Complaint narrative:
I am a resident of New Jersey, currently in lockdown still from COVID-19. XX/XX/2020 I started a payment plan with Discover Card to get my credit card under control ( Before the pandemic grew to the size it is now ). On XX/XX/2020 a payment was automatically taken from my bank account from Discover. At this point I had lost my job from COVID-19 and I contacted Discover to get a refund and cancel the payment plan. They issued a refund check by mail and said ( in writing in their messenger section of their XXXX app ) that the payment plan would be cancelled. On XX/XX/2020 a payment in the form of an automatic check was sent from my bank account to Discover card. I immediately contacted Discover card over the phone and tried to get the money back and explained my situation. They said that there was no history of me asking for the plan to be cancelled and that it could not be cancelled. They then put my case in review. On Thursday XX/XX/2020 I received a call back from Discover. They said the money was not able to be refunded and that the plan was not able to be cancelled. They told me that in order to push back the upcoming payment in XXXX that I would have to call at least 3 days before hand. After this I contacted my bank where I found out that I could not stop the payment or get it refunded on their end because it was in the form of a check which they made out to Discover in my name. Discover had somehow set up a bill pay on my personal checking account that I can't even access to cancel or stop it from happening. This is ridiculous. I can't find anyway to stop these payments aside from hoping that if I call a few days before hand that they'll push it back a month.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I signed up for this card in XX/XX/XXXX with the understanding that I would receive an incentive of XXXX Delta miles for spending {$3000.00} within the first 3 months. The application was accepted with no problem and I spend close to {$7000.00} within the first 3 months in order to qualify for the bonus. I called the company 4-5 times from XXXX - XXXX of XXXX to check on when the bonus would be posted and was given several different excuses -- that they were still processing the bonus, it took some time for the spending to reflect, etc. but was assured that I would receive the XXXX miles. 

The most recent time I called on XX/XX/XXXX and was informed that I " did not qualify for the bonus ''. When I asked why, American Express said that they could not tell me why and would " look into '' why I was denied. I find this extremely unethical and misleading of American Express and request that they be required to follow through on their commitments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 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: Sequium Asset Solutions, LLC
State: PA

Complaint narrative:
Back in XXXX of 2019, somebody opened up a XXXX account fraudulently in my name. XXXX even sent me an email declaring it to be fraud. However, I have received two separate letters from two debt collection agencies, and now I just lost 200 POINTS ON MY CREDIT SCORE! XXXX is harassing me to the point of undue stress, I would like them to stop. It was almost impossible to navigate their terrible " customer service '' departments to get an email declaring the account fraudulent in writing. I want monetary compensation from them for this harassment, as well as the debt deleted from my credit report, and I never want to receive anything else from XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE ARE MULTIPLE ACCOUNTS APPEARING ON MY FILE THAT ARE NOT MINE. THE ACCOUNTS LISTED BELOW UNDER ACCOUNTS TO DELETE, ARE NOT MY ACCOUNTS. REFER TO THE ATTACHED IDENTITY THEFT REPORT. 

I HAVE SENT DISPUTE LETTERS ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ANDXX/XX/XXXX BUT TO DATE I HAVE NOT RECEIVED A INVESTIGATIVE RESULTS REPORT AS OUTLINED UNDER THE FCRA.. YOUR FIRM COMMITTED FIVE 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA STATUTES. 
ALSO, THERE ARE ACCOUNTS REPORTING LATE UNDER, THE ACCOUNTS TO AMEND, WHICH SHOULD BE AMENDED TO SHOW, NEVER LATE. 

I HAVE AN ESCROW PENDING AND THE BELOW ACCOUNTS ARE HINDERING MY LOAN APPROVAL. THE VALUE AMOUNT IS {$850000.00}. IF THESE ACCOUNTS ARE NOT DELETED BY XX/XX/XXXX I WILL HAVE TO INITIATE LITIGATION WITH THE ASSISTANCE OF XXXX XXXX XXXX, XXXX. THIS LAW FIRM SPECIALIZES IN FCRA VIOLATIONS

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 2020-05-10 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: AZ

Complaint narrative:
I found out end of last year when I tried applying for a car loan that a XXXX XXXX credit card account was created in my name in XX/XX/XXXX and it has a {$16000.00} balance on it. The history shows OK payments up to XX/XX/XXXX and there is a credit limit of {$4200.00} ( Way less than $ XXXX ). I have not been watching my credit up to now so I was unaware of this and I have not been informed of this debt against me. It shows the account was written off because they were unable to collect on the debt. The account is also showing against an Arizona address where I have never lived at so I disputed this as being fraud by whoever is living at that address. XXXX XXXX responded to my dispute with a letter saying that the information provided shows no evidence of fraud and they are not taking any action. That doesn't make any sense. It seems XXXX XXXX is intentionally ignoring the evidence they already have in their possession. No additional evidence is needed. I did not apply for this account so obviously the owner of the house stole my identity. XXXX XXXX is not attempting to collect from that address. XXXX XXXX Bank is intentionally committing fraud by placing an fraudulent account on my credit that doesn't belong to me and intentionally hurting my credit. I have not applied for much credit in my life but because of my low score, I have a hard time applying for credit now. I have a rights by the Fair Credit Reporting Act. How does someone manage to get {$16000.00} out of a credit card account with only a {$4200.00} credit limit and using my information when I barely have any background of credit at all? The attached file shows clips of the owner of the property and details linking the debt to that address. Information was gathered from my XXXX  credit report and from the XXXX Assessors website.

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