vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX XXXX continuously lied on the credit bureau stating that This account was owed what they did was instead of putting the name of the debt which is already paid they put XXXX XXXX   which was bought out by capital One but instead they stated that it was a debt with XXXX XXXX XXXX that was owed which Was re-aged because this was an account from XXXX now they listed it stating that I owe a debt which I do not. They also reported to the credit bureaus that was a factoring account Which again is incorrect they also stated that a payment was made in XXXX which again was incorrect there was no payment that was made in XXXX for them to state that is against the law and against my rights. This was clearly an account that was really aged for the sol benefit of XXXX XXXX XXXX XXXX XXXXCapital One. This debt was Re-aged and XXXX XXXX XXXX did not put the correct information on the credit reports, the wrong Date Opened and the wrong Balance and wrong Status. Inaccurate information like the Date this account was opened, they also stated that a payment was made in XXXX which was incorrect. When ask them to send in the documents showing a payment was made XXXX XXXX could not. The Account was open XXXX and the Last Activity was in XX/XX/XXXX. This account was bought out by Capital One/ Then was Re-Aged by XXXX  XXXX XXXX which is illegal and in clear Violation for the FCRA and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ

Complaint narrative:
As the attached document will indicate, there remains numerous inconsistencies and concerns with both the actions of HSBC ( Beneficial ) and XXXX XXXX XXXX, XXXX ( XXXX ) continued and past unscrupulous actions which continues to perpetuate deceit, fraud and corruption on the behalf of HSBC and XXXX. Based on this information, as Fiduciary of the Estate of XXXX XXXX XXXX, I deny any and all claims by HSBC and/or XXXX or affiliates and/or associates for any debts claimed by these untrustworthy entities. ( including but not limited to, HSBC, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, etc. ). See attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Ive sent letter to LVNV to provide validation and verification of this alleged debt. My letters have been ignored hovever when I dispute with the credit it comes back as verified and LVNV hasnt sent the requested validation that was asked for.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 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: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
I pay my payment to XXXX on line as many people have a problem with their billing system you pay the lease payment on line then they contact you stating the payment did not post and Charge you late payment and reporting late fees I have had XXXX leases for many years never had this problem till I did on line payment they are impossible to reach and give a constant run around its getting extremely frustrating I want theses 4 late payments removed it completely unbelievable why dont they contact people before the 30 days late no they just want to collect late fees its piracy please help me to remove this ASAP unfair reporting

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 2020-04-18 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: NJ

Complaint narrative:
I pay my payment to XXXX on line as many people have a problem with their billing system you pay the lease payment on line then they contact you stating the payment did not post and Charge you late payment and reporting late fees I have had XXXX leases for many years never had this problem till I did on line payment they are impossible to reach and give a constant run around its getting extremely frustrating I want theses 4 late payments removed it completely unbelievable why dont they contact people before the 30 days late no they just want to collect late fees its piracy please help me to remove this ASAP unfair reporting

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 2020-04-18 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: CAVALRY INVESTMENTS, LLC
State: NJ

Complaint narrative:
I have contested these 2 collection files from Cavalry LLC :  XXXX XXXX On neither of these files is Cavalry able to supply me with documentation that I authorized the charges. I have contested the bill with the companies XXXX XXXX which charged me tuition for a course I did not attend ; and the XXXX charge represents an incorrect appliance order.There is no written documentation with my signature showing that I authorized either of these bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I reviewed my report on XXXX XXXX and on my XXXX report it states that an inquiry was made from SYNCB-National credit card/airlines. Ive never authorized an inquiry from these people nor do I even know who they are. Ive attempted to contact them but they have no records of my info in their accounts. I need help removing this from my credit history, social etc. Can someone help assist me with how to take care of 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 2020-04-18 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've tried to correct this account on many occasions and its becoming a headache. It's causing me much distress. Those accounts are unrecognizable to me. They are 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 2020-04-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: FL

Complaint narrative:
In XXXX of 2019 without my approval Amerihome mortgage started withdrawing electronic payments from my bank, XXXX XXXX. At the same time they continued to send me paper mortgage payment bills. I didn't notice the additional payments on my bank statements until they increased the amount due to an escrow shortage. I only glanced at my bank statement amounts and the payees, since I have only about five people I make payments to a month. Most of these additional payments were spaced out between my regular payments. I asked Amerihome for proof showing where I asked them to make these automatic withdrawals which they have never done. Amerihome has told me I made the request electronically and they sent me a copy of a confirmation, which I have never been able to find on my computer. When I called Amerihome to have them refund the excess payments I was told they applied them to my principal and they would make no refunds. I have reviewed all the payments I've made and the elctronic payments taken by Amerihome. There is one payment I have made that they have recorded but have neither applied to my principal, or future payments. I've made a spreadsheet recording each payment I've made, the electronic payments and where each is recorded. I sent this to Amerihome and have not heard any response to my comments. What happens when I send correspondence to them any response they make is not at all related to my queries. I don't know if they are trying to play a switch and confuse, or what their game plan is but I see their actions as fraudulent. They are telling me my next mortgage payment is due for the XXXX payment, by my calculations, noted on the spreadsheet, my next payment is due for the XXXX payment. I would like Amerihome to either take action to correct this by either applying the last payment to the XXXX payment or refund it to me. The sum is {$930.00}. I have paid my escrow shortage to help eliminate any confusion on their part, since they can't seem to follow simple instructions. If I had one person I could talk with at Amerihome who had some authority I truly suspect some of this possibly could have been eliminated, but they way they do business they shuttle you to different people every time you call or write a complaint. 
I will attach all my correspondence I've had with Amerihome, copies of all my statements and a PDF of the spreadsheet I've prepared and sent to them. 
Short of legal action against them this is my last recourse. 
Thanks, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I was never late on this account. I am demanding proof but I haven't received any. 

Dates Late Reported XX/XX/XXXX and XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ERC
State: FL

Complaint narrative:
Enhanced Recovery Company Alleged Amount owed {$78.00} Account XXXX Original Creditor : 11 XXXX XXXX Original Creditor Information Enhanced Recovery Company XXXX XXXX XXXX XXXX, FL XXXX XXXX Enhanced Recovery Company executed continuous collection calls against me. Spoke with company in XX/XX/2020. I explained 1 ) their company information regarding me was incorrect 2 ) I do not owe money to Enhanced Recovery Company and 3 ) Please stop all phone calls immediately. Enhanced Recovery Company continued with its numerous collection calls. Days later, I filed a disputed with Credit Reporting Agency. Enhanced Recovery Company conducted an investigation. Investigation appeared to have concluded Enhanced Recovery Company was indeed reporting erroneous information. Enhanced Recovery Company supposedly removed their erroneous information from the credit reporting bureaus. However, Enhanced Recovery Company did not remove their erroneous information from all credit reporting bureaus ( this information was deleted from Experian but continues to be be erroneously reported to XXXX  ). As Enhanced Recovery Company 's erroneous information continues to appear and or reappear on my credit report, I continue to suffer damages due to Enhanced Recovery Company continued and erroneous reporting. My credit score is lowered because of Company 's erroneous credit reporting and I have been denied credit due  to Enhanced Recovery Companys ongoing erroneous reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
A fraudulent Wells Fargo account was opened in my name. I have disputed the account with Wells Fargo for a years time. Wells Fargo failed to provide any documentation proving I set up this fraudulent account. No signed contract, no request for the account to the set up. No documentation whatsoever to prove this account belongs to 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 2020-04-18 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I signed up for The Amex groups card for my business and my personal account the provide me with points and options to pay but during COVID-19 I did not have any other option with them so I am writing you to receive your assistance during these troubling times because only after 2-3 months of non payment they have canceled my card even when I have come from a FEMA disaster area XXXX, NY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian continues to report the account XXXX XXXX  on my credit report for 4 different accounts when the original account is older than 7 years. The account is too old to be reported as it was first noted as delinquent in XXXX. The account was also included in a Chapter XXXX Bankruptcy in XXXX. As a result of the Bankruptcy and the age of the account it should not still be included in bankruptcy.

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 2020-04-18 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: WA

Complaint narrative:
On XXXX XXXX I found several credit inquiries on my credit report that I have NO knowledge of. I followed the exact letter of the law and contacted the Credit Bureaus ( XXXX XXXX/Experian/Equifax ) and disputed the validity of these Inquiries. I ALSO contacted the creditors directly. Several representatives informed me that the name as listed on the account did not match my name spelling or other identity indicators others could not provide me with any information about the alleged application because their firms DID NOT retain the information on this inquiry.

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 2020-04-18 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: TX

Complaint narrative:
On XX/XX/XXXX the company did a hard inquiry without my approval. I contacted them and they stated that they would remove it though have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX  continues to report the account XXXX XXXX  on my credit report for 4 different accounts when the original account is older than 7 years. The account is too old to be reported as it was first noted as delinquent in XXXX. The account was also included in a Chapter XXXX Bankruptcy in XXXX. As a result of the Bankruptcy and the age of the account it should not still be included in bankruptcy.

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 2020-04-18 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: IL

Complaint narrative:
XXXX  continues to report the account XXXX XXXX  on my credit report for 4 different accounts when the original account is older than 7 years. The account is too old to be reported as it was first noted as delinquent in XXXX. The account was also included in a Chapter XXXX Bankruptcy in XXXX. As a result of the Bankruptcy and the age of the account it should not still be included in bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
In XXXX i obtained a loan for a used car with which at the time was Wachovia ( know now as Wells Fargo ). At the time I obtained the loan I had my own insurance provider and carried full coverage auto insurance throughout the whole time I had my loan, well years later ( almost 14 years ) and unbeknownst to me Wachovia/Wells Fargo placed CPI onto the monthly note of my loan costing me thousands of dollars throughout the time of my loan. 
In XX/XX/XXXX i received a letter from Wells Fargo asking me for to verify what insurance company I was with during my loan to them 14 YEARS LATER. I DID however provide Wells Fargo with the information requested and to this date I have not received either any information or compensation for the monies that was fraudulently added to my loan without my knowledge or permission. I have contacted both Wells Fargo Office of the President and the office handling the CPI claims and to this date I have no resolve. 
It has now been over 120 days since Wells Fargo received the information I provided which is sufficient, adequate and an appropriate amount of time in which to resolve my claim and complaint. 
Your assistance in this matter would be greatly appreciated Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, TX. 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 2020-04-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
NEVER APPLIED FOR THESE ACCOUNTS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: OH

Complaint narrative:
Looking over my credit report and noticed there was an account that does not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following account is listed below : Covergent Outsourcing Inc- {$830.00}

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 2020-04-18 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian continues to report the following items as deliquent over and over again after they had already appeared on my credit report as deliquent 1x or discharged underneath a Bankruptcy or deleted because it was too old. 

1 ) XXXX XXXX was reported as deliquenty 30 days 2x in  XXXX and XXXX a ) I am challenging the deliquency of the account based on when payment was made in XX/XX/XXXX ) XXXX a ) The account was deleted in the past due to the age of the account. The account was also included in a Ch. XXXX Bkruptcy in 2017 3 ) XXXX  XXXX a ) The account was deleted in the past due to the age of the account. The account was also included in a Ch. XXXX Bkruptcy in 2017 4 ) XXXX and XXXX a ) The account was deleted in the past due to the age of the account. The account was also included in a Ch. XXXX Bkruptcy in 2017

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