vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-18 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: Collection Bureau of America Ltd.
State: TX

Complaint narrative:
On XX/XX/XXXX, " COLLECTION BUR OF AMERICA ( #  XXXX ) - XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX CA XXXX ( XXXX ) XXXX " Called and for a missed & valid payment of $ XXXX. told me it is in collections and if I pay in full, it will not negatively reflect in my credit report and made a false promise and provided me incorrect information. The original due amount came to collections on XX/XX/XXXX ( got from my credit report ). since it is paid in full, the collection item is reflected in the scoring model as a new item with a new updated date. ( FICO Score 8 model used by many financial institutions ).  The scoring model is unfair to the consumers who have taken their responsibility of taking care of the payment in full. 
This raised further questions for me ( XXXX  ) : 1. Why should the score be lowered when the collection item is paid in full? It makes sense when it is unpaid, penalizing on the score. 
2. Why should the longevity of the paid collection item and unpaid collection item be treated the same? Is the risk not different between someone who took care of it and one who did not? Why can't items be removed when paid in full? 
3. I found institutions using the same report and model and coming up with different scores? Why should it be inconsistent? 
4. When Credit reports and Scores are sold as service to the institutions based on the consumer info ( my info ), why only credit reports are free and why not the scores?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AMA Advisors, LLC.
State: CT

Complaint narrative:
I paid my mortgage in XXXX through cashier check .The mortgage company has the cashier check but do not want to put in the work to find it .My bank already faxed them duplicate of the cashier check .it has been over 6 months and anytime I call I get the same response Give me up to 3 working days and nothing is being done .They reported me to my credit bureau amidst all this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
in 2013 my wallet got missing in a train from Ny to NJ.In my wallet was my XXXX, social security card, students id card and my debit cards.i reported this incident to the police and i was given a police report. A few month after the lost of my wallet some one used my informations to open a credit accounts with capital one bank in my name. 
after a few years of non payment the capital one bank sent my informations to debt collectors and i was sent for collections.i called them to tell them it wasnt my account.i even mailled them my police report but still they refused to correct the my file.and this is hurting my credit.and also i was a victim of equifax identity fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
These are not my accounts, nor did I live at any of these addresses listed. Please remove them from my credit reports.

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 2020-08-18 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need to delete are listed in the report. I am a victim of identity theft. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commission 's identity theft affidavit. Please delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE KNOW IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THESE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE KNOW IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THESE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 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: TX

Complaint narrative:
I have been disputing these accounts for the longest with XXXX, Transunion and XXXX. I have 3 seperate student loans accounts through XXXX that was transferred and consolidated in XXXX with XXXX XXXX that shows US Dept of Edu/XXXX on my reports. Those accounts are still showing late payments and still show that is delinquent when they are supposed to be current or deletes the late payments. XXXX actually reaged my accounts to XX/XX/XXXX as if the accounts were still open all this time while XXXX has XX/XX/XXXX and Transunion XX/XX/XXXX. XXXX doesnt have the months term included. Date Last Active are all showing different dates for all 3 accounts. Transunion has XX/XX/XXXX, XXXX has XX/XX/XXXX while XXXX has XX/XX/XXXX. How is all of this possible when all information across the board is supposed to be the same. How is the Date Last Active is XX/XX/XXXX but it was last reported by XXXX on XX/XX/XXXX? None of it makes sense. All three companies have been claiming to have deem these accounts accurate over and over again when theres proof that its not.

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 2020-08-18 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: TX

Complaint narrative:
I have been disputing these accounts for the longest with XXXX, XXXX and Experian. I have 3 seperate student loans accounts through XXXX that was transferred and consolidated in XXXX with XXXX XXXX that shows US Dept of Edu/XXXX  on my reports. Those accounts are still showing late payments and still show that is delinquent when they are supposed to be current or deletes the late payments. XXXX actually reaged my accounts to XX/XX/XXXX as if the accounts were still open all this time while Experian has XX/XX/XXXX and XXXX XX/XX/XXXX. Equifax doesnt have the months term included. Date Last Active are all showing different dates for all 3 accounts. XXXX has XX/XX/XXXX, Experian has XX/XX/XXXX while EXXXX has XX/XX/XXXX. How is all of this possible when all information across the board is supposed to be the same. How is the Date Last Active is XX/XX/XXXX but it was last reported by XXXX on XX/XX/XXXX? None of it makes sense. All three companies have been claiming to have deem these accounts accurate over and over again when theres proof that its not.

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 2020-08-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I have had automatic payments set up on my CAPITAL NE BANK USA card since I opened it. I recently started doing a mortgage loan and was informed that there are several late payments reported to the credit bureaus on this account. I have never received notification of a late payment nor am I aware of ever being late on this account. The partial account # is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 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: CA

Complaint narrative:
I already reached out to transunion regarding some inquiries that were not supposed to be made on my transunion credit report. 

They have validated the inquriies These companies advise me that they would make a soft inquiry but they were hard. 

They did not have permissive use.

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 2020-08-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/XXXX an unauthorized transaction from my PayPal account which resulted in {$1200.00} being transferred to the account of an individual with the following email : XXXX, whom I have no affiliation with. I did not realize this transaction occurred until it was withdrawn from my bank account on XX/XX/XXXX. Once it was realized, I immediately disputed the transaction with PayPal, as well as with my bank. Approximately 4 hours later, PayPal determined that the transaction was valid. I then contacted PayPal via phone to appeal the dispute. After about 15 minutes of appalling customer service, they agreed to open an appeal. While the appeal was being processed, I changed my security settings with PayPal and removed as much payment information as I was allowed to by PayPal. The transaction was also rejected by my bank. Following the rejected transaction, I stopped payment of any further transactions from the merchant XXXX AT PAYPAL. Despite the NSF return, PayPal informed me that, my account would go negative, and I will still be responsible to pay the money back. Meanwhile, while the appeal process was still ongoing, I noticed additional suspicious activity on my PayPal account where security settings were changed from a device I do not own or recognize, I informed PayPal of that information within minutes of realizing its occurrence ( XX/XX/XXXX ), on XX/XX/XXXX, the appeal was closed with the same determination, that the transaction was valid. At my next convenience ( the morning of XX/XX/XXXX ), I contacted PayPal via telephone to attempt another appeal, where I was told I can not appeal the transaction any further and that Im legally responsible for these funds. The customer service representative this time ( XXXX, employee # XXXX ) was excellent, she looked further into my situation and found some inconsistencies, that she would forward to the back office, I have not heard anything further from PayPal. 

The treatment and service I have received from PayPal is horrendous. I have been a faithful customer with them for 15 years and have never disputed a single transaction. The one time I dispute an actual fraudulent transaction, Im essentially called a liar multiple times and am responsible to pay PayPal back for allowing a criminal to steal money from me in a pandemic, where money is already very tight. I plan to file a police report very soon.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC
State: GA

Complaint narrative:
I have sent the company notice debt that I don't owe and the account was from the result of identity thief from XXXX to XXXX. I have provided the police report, a report from FTC, etc ... Also informed them that the info they have on my report needs to be blocked and deleted. They have not removed items and find them to be in violation of several codes. I have sent proper notifications in a timely manner giving them ample time to remedy the issue. They have failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ProCollect, Inc.
State: TX

Complaint narrative:
This company is rude and harassing, you cant even get a word in when trying to resolve issue. I have called in a few times last being about a week or two ago, regarding 2 debts which 1 has been disputed, the other one for {$1200.00} I was promised a settlement after debt was a year old, once it was a year old the said they can not do that. On another occasion they did not fully read mini Miranda on call, Violating FDCPA. I know this because ( I work in collections ). They have also left a message on my phone for another person I dont know disclosing a debt on XX/XX/2020 from a Ms 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 2020-08-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I ordered something from Paypal. Bean bag chairs for me and my nieces to have a back to school movie night. I ordered this A LONG LONG TIME AGO. Like 3 months at least. 

I got a confirmation to my email, its attached, but I never got a shipping email. I never got an Order on the way. Nothing. 

I contacted Paypal digitally and over the phone several times. They insist I contact the merchant. The same merchant that removed their website, doesn't answer calls, and no longer answers emails in broken English. 

THIS SITE YOU ARE ALLOWING TO USE YOUR SERVICE IS COMMITTING FRAUD. 

If Paypal wont be held accountable by myself, let 's see what CFPB can do. 

I have never, ever, received anything from the XXXX dollars but a headache.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
We have paid already to XXXX  XXXX  a debt collector FROM CAPITAL ONE. I attached proof of payemtn with letter from XXXX  XXXX. 

Can you take it off my credir reportp please.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: First Federal Credit Control, Inc.
State: TX

Complaint narrative:
Collections agency has called a few times and let the phone ring 1x then hang up there has been a time or 2 for which i was at work and recieved the call. They were not understanding that i live in TX so the law to collect is 4 years for which this debt is past that time and I have contested the infomation on my my credit report but they keep saying that it FIRST FED CREDIT CONTROL Last reported XX/XX/XXXX {$1500.00} Open balance XXXX XXXX XXXX XXXX Original creditor XXXX  Opened XX/XX/XXXX ( 4 yrs, 7 mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-08-18 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: MD

Complaint narrative:
I used the XXXX link on the home page of my church to pay my XXXX, unfortunately the payment was sent to a non church organization. After contacting American Express and XXXX in XXXX, XXXX reversed the charged on my credit card. American Express denied the credit adjustment and recharge me, when I called them the same night I discovered the charged. When I filed a dispute with American Express, the closed the case and left the {$800.00} charge on my account after indicating that the issue would be resolved. It is now XX/XX/2020 and the issue still is not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
I opened a new account from XXXX XXXX and wrote a check to a contractor that was refused by BB & T and then made a wire to resolve the funding delay from the check. 

The funds were withdrawn from my account but they werent released to the recipient, instead his entire account was frozen for at least a week and he was charged fees to launch an investigation. My contractor is now being forced to pay out of his own savings for paint and materials. 

The bank is holding his funds and account XXXX and refusing to resolve the issue.

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 2020-08-18 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: CA

Complaint narrative:
These are not my accounts, nor did I live at any of these addresses listed. Please remove them from my credit reports.

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 2020-08-18 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: EQUIFAX, INC.
State: CA

Complaint narrative:
These are not my accounts, nor did I live at any of these addresses listed. Please remove them from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: OK

Complaint narrative:
I XXXX XXXX XXXX have been fighting to save my home from foreclosure for over two years. My financial difficulties began by the breakup of my previous marriage. After nearly {$200000.00} in loses I was able to regroup and start my life over, paying off over {$100000.00} in expenses and bills left from my marriage. I spent the better part of one year submitting the necessary documentation to modify my existing mortgage with originally XXXX XXXX XXXX, especially after a foreclosure motion was filed against my home. I hired a local attorney to represent my position, and upon review of hundreds of pages of documentation, a local judge decided that I was within my rights under the Fair Debt Collection Practices Act to modify my mortgage. For that matter, my rights to protect my home from foreclosure was violated under the Fair Debt Collection Practices Ac addendum of XX/XX/XXXX. I have since remarried, and my mortgage was transferred from XXXX XXXX XXXX to XXXX XXXX then to Freedom Mortgage Services. My modification was approved firs by XXXX XXXX, then again by Freedom Mortgage XXXX. On XX/XX/XXXX I submitted my second approval paperwork with Freedom Mortgage Services after making my here probationary mortgage payments. Mortgage payments are still being taken from my bank account on a bi-weekly basis. Suddenly beginning this month, I stared receiving threatening messages that my home would go back into foreclosure if my modification was not signed off by my ex-wife XXXX XXXX. My relationship with her is hostile, especially after my marriage to my new wife. She will not now sign off on the modification, even though my divorce decree was filed with all three mortgage servicers along with a copy of the quit claim deed. I believe that as long as I fulfilled my probationary payments and filed notarized copies of the approved modification where XXXX XXXX was excluded, then my modification is valid and must be honored and filed with the county clerks office. I am filing this complaint stating that my rights are in violation with the Fair Debt Collection Practices Act and The Fair Credit Reporting Act. I am notifying my attorney to file a counter lawsuit based upon these violations if this last modification where I am sole responsible is finalized. No further threats of foreclosure will be accepted or tolerated. 

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