vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: CA

Complaint narrative:
A mistake was made in XXXX systems and inaccurate information was sent to collections with out notifying me in the beginning of XX/XX/2018. On XX/XX/2018 the account was disputed and deleted from my credit and no longer shows up on my credit and XXXX admitted fault shortly after disputing and sent a letter indicating I had experienced fraud. Now XXXX is saying I owe the amount again since the collections company ERC ( Enhanced Recovery Co ) neglected fixing the account and when contacting ERC they state that the account was disputed twice that it was never deleted. I sent in proof from XXXX showing the amount was disputed and deleted with the exact information that they were accusing me of to XXXX. The company instead ignored the information I submitted and sent false information to the XXXX  as well as the Attorney General saying that I am liar and they are correct when I have more than enough proof about everything but I have no one to submit it and they take the word of the company over mine all because ERC never fixed the account since its not even on my credit and it was disputed back in XX/XX/2018 as inaccurate and XXXX admitting fault as well. ERC tried getting me to pay half for an amount that is because of fraud. My credit was damaged and XXXX had to run my credit again and followed my account and will not fix the issue because ERC and XXXX are negligent even with proof and are trying to scam me into paying a balance that isnt mine or on my credit. Is there no way to show my validation instead of just taking what the company claims making me waste hours out of my day and making me go in circles.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 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: NY

Complaint narrative:
I, XXXX XXXX makes this claim that a nationally recognized collection agency known as XXXX XXXX is trying to collect on a debt from a public utility company known as XXXX, knowing that the legal timeline to enforce any collection on said debt ( s ) have passed a long time ago. However, after several written disputes this collection agency states that the collections will be removed from my Experian credit report XX/XX/2023. This proves that at the very least the legal timeline for enforcement has passed, but I want to state for the record that this collection is over seven years old. XXXX XXXX has re-aged these debts to fit into the 7-year timeline of obsolete information. Another part of my argument is that public utilities can not directly report on credit bureaus, as they are regulated through public service commissions on a state level, and not part of any federally regulated entity such as a national bank, thus the Fair Credit Reporting Act does not apply, and my rights are hereby violated under the Fair Debt Collection Practices Act. XXXX XXXX is in violation of their subscriber agreement with Experian, knowingly posting unenforceable collections on a consumers credit bureau well past the legitimate timeline for reporting. I ask for a full reinvestigation by Experian and if documentation proves my position, a complete disassociation with XXXX 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 2020-02-28 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: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report. 

I was shocked when I reviewed my credit report and found late payment on the dates below : ALLY FINCL XX/XX/XXXX ALLY FINCL XX/XX/XXXX XX/XX/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 2020-02-28 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: Diversified Consultants, Inc.
State: NY

Complaint narrative:
I, XXXX XXXX makes this claim that a nationally recognized collection agency known as Diversified Consultants is trying to collect on a debt from a public utility company known as XXXX, knowing that the legal timeline to enforce any collection on said debt ( s ) have passed a long time ago. However, after several written disputes this collection agency states that the collections will be removed from my XXXX   credit report XX/XX/2023. This proves that at the very least the legal timeline for enforcement has passed, but I want to state for the record that this collection is over seven years old. Diversified Consultants has re-aged these debts to fit into the 7-year timeline of obsolete information. Another part of my argument is that public utilities can not directly report on credit bureaus, as they are regulated through public service commissions on a state level, and not part of any federally regulated entity such as a national bank, thus the Fair Credit Reporting Act does not apply, and my rights are hereby violated under the Fair Debt Collection Practices Act. Diversified Consultants is in violation of their subscriber agreement with XXXX, knowingly posting unenforceable collections on a consumers credit bureau well past the legitimate timeline for reporting. I ask for a full reinvestigation by XXXX  and if documentation proves my position, a complete disassociation with Diversified Consultants.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: YSA ARM LLC DBA Oxygen XL
State: NY

Complaint narrative:
Oxygen Recovery Group and company name XXXX XXXX and reporting false information on my credit report. XXXX  is does not have a system where i can upload my documents ( successfully ) to prove to them this is identity theft. XXXX XXXX falsified my signature ( i have prove they used one of their employees to sign ) and illegally used my social security number to obtain a new business account. They irresponsibly put this information on my credit report and they are not answering me when i try to show them prove that someone from their company falsified my information including signature ( my signature is very different from the one they used, i have different IDs with my real signature. XXXX  is not doing a good job at verifying this and they are just damaging my credit!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Lending Club Corp
State: MI

Complaint narrative:
I was lied to by lending club, i borrowed XXXX, XXXX from them to pay my credit cards off. They took out the fee which i understood, but the problem was, they deducted XXXX every month for 3 months, and it is still XXXX that i owe. How is it that i still owe that much when they have been taking {$180.00} for the last 3 months. Either they lied, or they never told about any hidden fees. I want this resolved. I try to talk to them about it and they came up with some poor excuse, about it should go down by XXXX of this year. They took advantage of of me and i want my hiddens fees they took out back. I hope you can resolved this issue. These people are deceivers. Can you please help?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I ordered a card XX/XX/2020 never received it ordered another card XX/XX/2020 they claim it was never sent out. Ordered another card XX/XX/2020 expedited forced to pay XXXX $ fee card and was supposed to receive tracking number never did. Customer service is rude and they lie to me all the time and even hang up in my face. I cannnot access any of my funds and have been told several times all I Do is wait.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
I started a mortgage application with Wells Fargo in the beginning of XXXX. All documents were given to them, as I had just ended another failed mortgage process. I was given the first closing date, which did not happen. The company cited the underwriter who had been handling the file, had not done their due diligence on the file. The closing did not happen. I was then due to a grueling process, which included several request for documents, which became never ending until my purchase agreement expired. The seller increased the cost of the house. Due to the company stating I needed 2 additional documents, and a tax statement I continued the process. After they received the documents, they begin to add for additional documents, which completely soured my deal. The seller backed out of the deal and raised his home to {$10000.00} more then the original asking price. During this process I was given approval letters of commitment, only for them to rescinded as the company negotiated in bad faith. This process took a tool on my life, my health, but must of all it left me with the home of my dreams being pulled from under me. It should also be noted, I counseled with a mortgage broker, prior to me finding a home, to insure homeownership was in my reach.

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 2020-02-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: PENTAGON FEDERAL CREDIT UNION
State: PA

Complaint narrative:
On XX/XX/2020 I opened an online PENFED account, But I didn't know it would be a hard pull in my credit report. This information is not transparent to the user. If I knew that it would be a hard pull, I wouldn't be decided to opening the account there. 
My credit has been reduced and my bank credibility has been affected. 
On XX/XX/2020 I applied for PENFED a credit card using the opportunity that my credit score will not suffer anymore. ( when applying for less than 30 days, the bank does not do a hard pull a second time ) I will add that I have a perfect credit history. ( attachment ) However, on XX/XX/XXXX, I did not get approved for a credit card One of the reasons is too many credit inquiries.

Other reasons also make no sense ( attachment ) Penfed Credit Union acts to the detriment of the customer they first weaken people 's credit scores later they refuse cards for a person with a perfect credit history

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 2020-02-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
on XX/XX/2020 fifth third bank took XXXX out of my savings, and took XXXX out of my checking. I have been banking with them for years and they have never taken anything from my accounts for this " credit line ''. they say it was for a credit line that was not paid. but I know I paid it and they're saying they have proof I did not but not proof I did. they took everything I had except for XXXX cent in all my accounts. they have erased other transactions I've tried disputing before also, and I've heard of them taking other people 's money before also. This ruined my life as of now, making me unable to now get my apartment and manage the cost of living. They do not care. they say they have the right to offset, but never have before. even when I've had hundreds of dollars in my account. Even if I did owe them, they say anything unpaid will go to collections. They practically stole my money today and it seems they have wiped out all my proof of paying but seem to have proof I didn't pay. This feels so shady and I just want justice before they do this to someone else. Its left me with nothing and that money was all I had and they have taken it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 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: EQUIFAX, INC.
State: AR

Complaint narrative:
Hello, The following account is not mine. Please update or remove from my account. Thank you. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC
State: VA

Complaint narrative:
I have been getting calls and mails from debt collector about a debt that i did not make in the first place. Then it was resolved by the company a long time ago. But i am still getting calls from the debt collectors and it is in my credit report also. They have charged me for a returned device that I have returned it cause they couldn't give me the internet service in my address.

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 2020-02-28 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: AR

Complaint narrative:
Hello, The following account is not mine. Please update or remove from my account. Thank you. 
XXXX XXXX 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 2020-02-28 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: MI

Complaint narrative:
On my PNC Bank Home Equity Line of Credit Account Statement ending on XX/XX/2019, PNC incorrectly calculated my account balance by {$220.00} & has not corrected in in last two month statement even after I talked to them in early XXXX concerning this issue. My XX/XX/2019 balance was {$81000.00} & my XX/XX/2019 statement shows principal as {$210.00} with no other charges than interests but my loan balance went " UP '' to {$81000.00}. 

I demand to know why this happen & if this happen to other PNC customers. As I stated earlier my present statements still reflect the incorrect thief by PNC of {$220.00} plus any interest I being charged on this bogus thief.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Source Receivables Management LLC
State: FL

Complaint narrative:
I have contacted all three credit bureaus about this debt, I signed up for XXXX and the amount was to high so I signed up for another service. I believe I was over charged the the service did not use.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5000.00}, {$32000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 

-- XXXX ACCOUNT -- 2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$32000.00} -This is not my account.

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 2020-02-28 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5000.00}, {$32000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 

-- CLOSED ACCOUNT -- 2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$32000.00} -This is not my account.

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 2020-02-28 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: Veros Credit, LLC
State: TX

Complaint narrative:
I have unauthorized inquiries on my credit report that I did not do, I wrote all 3 credit bureaus they requested me to contact consumer the consumer state they can not locate a Credit inquiry from me and want asst with removal.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: GOLDMAN SACHS BANK USA
State: MD

Complaint narrative:
I made a purchase using my apple card connected to my cell phone, the company who charged me {$3000.00} for their service mislead me and would not refund me, so goldmen sachs who is now connected with apple cards has sided with the merchant without considering my side of the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Due to unfortunate circumstances I travel back and forth form XXXX XXXX to XXXX  in the month of XX/XX/2020. I am proud to report on time payments four consecutive months. Being a loyal and happy customer of Capital on, I enjoy all the benefits and rewards. I have set-up auto pay for this credit card for future due dates. I was able to get the past due payment credited to my account, on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have unauthorized inquiries on my credit report that I did not do, I wrote all 3 credit bureaus they requested me to contact consumer the consumer state they can not locate a Credit inquiry from me and want asst with removal.

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