vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Recovery Partners, LLC
State: CA

Complaint narrative:
Hi. Recovery partners , LLc of XXXX, AZ tries to impersonate XXXX XXXX  and claimed that I was involved in an accident. I called XXXX XXXX  and they have no claim against me. I have a clean record and was not involved in any accident. Their address is XXXX XXXX XXXX, XXXX, AZ. Their phone number is XXXX. 

They claimed the accident occur on XX/XX/19. The account number as XXXX. Claim number as XXXX. I called XXXX XXXX directly. They have no record of any accidents associated with my driver license. 
They even spelled my name wrong when they send me a collection letter. In their letter, they threatened to suspend my driver license. 

I have asked them for detail information of the accident and the claim and they refused. I have also asked them to produce an accident report. They refused. They seek {$1800.00} from me which I'll take to court if they try to suspend my driver license which I think they can not since there is no accident.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: AP

Complaint narrative:
I had to do a XXXX  reassignment to XXXX, XXXX on XX/XX/2019 and was not allowed to ship a vehicle. I submitted paperwork to Santander Consumer to do a voluntary repossession on XX/XX/2019 and as of the today I am still be charged monthly payments for the vehicle and it has not been picked from the location I inputted on the form I sent them in XX/XX/2019. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
I have filed a mortgage loan through LOAN DEPOT in hopes to get approved for a home that my family and I wish to purchase. The home builder company advised us to go through Loan Depot since they are the approving mortgage loan company that handles VA Home Loans. I managed to speak to a gentleman named XXXX XXXX ( NMLS # XXXX ) who happened to conduct a preapproval process but was halted since a lady named XXXX XXXX was assigned to location and the approving sales manager for the home we wish to purchase. 

I did not waste time to send the documents that XXXX XXXX requested through the LoanDepot Mortgage Loan Portal since we were on a specific timeline to get the approval for the home. I continued to monitor and contact MsXXXX XXXX XXXX  but she does not make any attempt to inform my family regarding our VA home loan status. Based on our phone conversation through XXXX and XXXX that my credit score coupled with my income meets the requirement for the pre-approval for the home and there should not be any problem of getting the home loan. 

I am submitting a help since XXXX has not contacted myself or my wife with the any information about the VA Home Loan and at this point we lost the bid for the home. She has ran my credit report already and yet she continuous to ignore my attempt to obtain an approval and disregard any attempt to communicate back to us. I have made numerous attempt to contact the company but they kept referring me back to XXXX XXXX and no one seems to want to get involved or help us with the VA Home Loan approval. 

I can not continue having another mortgage loan company to run my credit report again and go through the difficulties of purchasing a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 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: NY

Complaint narrative:
I am a victim of identity theft

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 2020-02-19 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: NY

Complaint narrative:
I am a victim identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 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: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
SANTANDER CONSUMER is reporting incorrect information regarding this account on my credit reports, this account was reported as charge off on XX/XX/2018. However, when an account is marked as charge off, it should not be reporting late payments and therefore is in violation of the FCRA. For this reason, this account should be DELETED from all credit reporting agencies due to violations of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 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: NY

Complaint narrative:
I am a victim of identity theft

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 2020-02-19 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: FL

Complaint narrative:
XXXX XXXX is reporting incorrect information regarding this account on my credit reports, this account was reported as charge off on XX/XX/2018. However, when an account is marked as charge off, it should not be reporting late payments and therefore is in violation of the FCRA. For this reason, this account should be DELETED from all credit reporting agencies due to violations of the FCRA.

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 2020-02-19 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: FL

Complaint narrative:
XXXX XXXX is reporting incorrect information regarding this account on my credit reports, this account was reported as charge off on XX/XX/2018. However, when an account is marked as charge off, it should not be reporting late payments and therefore is in violation of the FCRA. For this reason, this account should be DELETED from all credit reporting agencies due to violations of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 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: FL

Complaint narrative:
XXXX XXXX is reporting incorrect information regarding this account on my credit reports, this account was reported as charge off on XX/XX/2018. However, when an account is marked as charge off, it should not be reporting late payments and therefore is in violation of the FCRA. For this reason, this account should be DELETED from all credit reporting agencies due to violations of the FCRA.

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 2020-02-19 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Conduent Incorporated
State: PA

Complaint narrative:
I have {$3900.00} in back child support on my account that the equick pay eppic prepaid Master card company will not release to me. My child 's father contacted me in XX/XX/2019 and told me he been paying on him back child support for two years now. ( I hardly received any support from him threw out our daughters whole life. Eventually I gave up on him helping support her I just forgot she had a father and raised her by myself ) I have not received any of that money because I didn't no he was paying it. I called the Cleveland Ohio Child Support hot line to check and see if he really was making payments and yes he has been. I contacted the Ohio Equick pay EPPICard and ordered a new card. They sent me the card. I called to activate the card and it sent me to the fraud department they told me to email them my State ID. I did just that I then received a email back from they stating they received my email and the problem with me account will be resolved in 48 hours. However it was not resolved and I still have not received my money. I call them everyday and no one can tell me what's going on with my account or what to do next. At this point I don't know what else to do. That is alot of money and I don't understand why they will not release my money to me ( Ohio Child Support now goes threw a different prepaid card company. That prepaid card company that I now receive my child support payments on had almost {$3000.00} of back child support payments on it before I called them for the first time to order a card. They sent me my card with all my funds on it without a problem )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 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: PA

Complaint narrative:
In XXXX, I disputed an account on my credit report with Capital One as I was a victim of identity theft. Upon Capital One doing their own investigation, I received a letter in the mail dated XX/XX/XXXX indicating that they looked into my claim and found that the account in fact was fraudulent and also indicated that a request would be sent to XXXX, XXXX, XXXX  and XXXX to delete this account from my credit file. 

Capital One did exactly that and everything was as it should be until XX/XX/XXXX when suddenly a third-party collector, XXXX XXXX XXXX reported this same account to all three major credit bureaus, and it showed up as an unpaid derogatory and collection account. 

First and foremost, I never had any association with this company whatsoever. Secondly, how did they even obtain my personal information, and thirdly and most importantly, I still have possession of the letter directly from Capital One on their letterhead regarding this matter which they indicated the account was fraudulent and then subsequently requested the removal of this account from my credit file to no longer negatively impacting my creditworthiness. 

I truly value my credit and manage it very well, so I find it appalling that Capital One would sell my information even after this matter was resolved in XX/XX/XXXX and this third-party company would try to coerce me into paying them money that I DO NOT owe them. What is most bothersome in this entire matter is the fact that XXXX XXXX XXXX sent me a letter dated XX/XX/XXXX and acknowledged my dispute and stated that they are awaiting to receive additional documents from the seller! Their words not mine. They paid for my information and admitted to it. Additionally, the same letter indicates in the interim they initiated a request that the three major credit reporting agencies delete this referenced account. 

Well why would XXXX XXXX XXXX proceed to have the account deleted if in fact I owed them any money at all which I clearly do not? Is this an attempt for them to clean up an oops on their part and cover their tracks because I should have never had to experience this egregious error causing unwarranted anguish by sabotaging my credit as if I'm guilty until proven innocent. 

To date, this account has already been removed from XXXX  and XXXX  but not XXXX. I corresponded with XXXX  directly about this matter and was told they're unable to remove the account despite the fact that I have written proof that should easily remove it just as it was removed from the two other major credit bureaus already. 

With all of that in mind, your assistance with a swift resolution to this very upsetting matter will be greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-19 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: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
In XXXX, I disputed an account on my credit report with XXXX XXXX as I was a victim of identity theft. Upon XXXX  XXXX doing their own investigation, I received a letter in the mail dated XX/XX/XXXX indicating that they looked into my claim and found that the account in fact was fraudulent and also indicated that a request would be sent to XXXX, XXXX, XXXX  and XXXX to delete this account from my credit file. 

XXXX XXXX did exactly that and everything was as it should be until XX/XX/XXXX when suddenly a third-party collector, Midland Credit Management reported this same account to all three major credit bureaus, and it showed up as an unpaid derogatory and collection account. 

First and foremost, I never had any association with this company whatsoever. Secondly, how did they even obtain my personal information, and thirdly and most importantly, I still have possession of the letter directly from XXXX XXXX on their letterhead regarding this matter which they indicated the account was fraudulent and then subsequently requested the removal of this account from my credit file to no longer negatively impacting my creditworthiness. 

I truly value my credit and manage it very well, so I find it appalling that XXXX XXXX would sell my information even after this matter was resolved in XX/XX/XXXX and this third-party company would try to coerce me into paying them money that I DO NOT owe them. What is most bothersome in this entire matter is the fact that Midland Credit Management sent me a letter dated XX/XX/XXXX and acknowledged my dispute and stated that they are awaiting to receive additional documents from the seller! Their words not mine. They paid for my information and admitted to it. Additionally, the same letter indicates in the interim they initiated a request that the three major credit reporting agencies delete this referenced account. 

Well why would Midland Credit Management proceed to have the account deleted if in fact I owed them any money at all which I clearly do not? Is this an attempt for them to clean up an oops on their part and cover their tracks because I should have never had to experience this egregious error causing unwarranted anguish by sabotaging my credit as if I'm guilty until proven innocent. 

To date, this account has already been removed from XXXX  and XXXX  but not XXXX. I corresponded with XXXX directly about this matter and was told they're unable to remove the account despite the fact that I have written proof that should easily remove it just as it was removed from t

he two other major credit bureaus already. With all of that in min
d, your assistance with a swift resolution to this very upsetting matter will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Atlanticus Services Corporation
State: FL

Complaint narrative:
XXXX/FORTIVA is reporting negative information on my Credit Report on a debt that does not belong to me. This is a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Good evening, i like to make a complaint to Best Buy Credit Card. I take the credit card about 1 year ago, may be. I bought a notebook and never had a problem. The last year i bought an XXXX  telephone. The seller never told me i have a promotion for 1 year and later the promotion finish, and the interest will be variable. This affect my credit in 4 points, they said they sent the information in the monthly extract but i change my address. Then, when i bought the telephone NOBODY told me the promotion will finish at 1 year. This is a fraud!! The telephone doesnt work good, i need to go 3 times for change, and they told me i needed to go to XXXX. I bought the telephone in Best Buy! Not in XXXX.! Finnally they change the telephone. Later i had a surprise with the bill. I maked a complaint and they give me 1 year promotion without interest. And they promised me than when finish the promotion they will renuew! I need they renew the promotion because these not are the conditions than they told me when i bouth! If you need more info or documents please let me know. Thanks! My email address is 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 2020-02-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: OK

Complaint narrative:
I was at XXXX XXXX and they said I would earn more points if I opened a XXXX Rewards Card, and receive a 20 % off. I shop there a lot and I Said ok. I have perfect credit of XXXX credit score and so they called in and Gave me a temporary card and I charged {$36.00} that night. When I received My statement I called Mastercard and was going to use my bank Debit Card to pay the small amount off and the recording said it will be a {$9.00} Charge to transfer and pay this off by a bank debit card so I just put the Statement in an envelope and wrote a check on XX/XX/XXXX, and mailed it It there envelope with their statement attached and the address showed on The statement to be mailed. I made a copy of both just for my records. 
I decided to cancel the card because of the charge they were going to charge And I cancelled and followed the prompts to cancel. I decided to call today And they said I had a late fee of {$28.00} plus {$2.00} and I said that is not right And they said the check did not come until XX/XX/XXXX, and I said that is impossible and they will not take this off and I know this must happen to other people because I know I mailed the check the next day but I did not send it by registered mail. I told them I had perfect credit and never have finance charges Let alone a late fee. I was very upset and told them this was taking advantage of me because they said the account is closed now and they could not change it. This is the principal of the thing and I have not received any late fee amount In the mail but they said they would send It. I ask who it would be paid to as I again said it was mailed the next day after XX/XX/20, and they said to call the Post office and made fun of me. I am XXXX but a XXXX XXXX and I fell because they know my age this must happen to others but it is not honest and I have 4 credit cards and never a late fee. I want Master Card thru I found out XXXX XXXX XXXX to take this fraudulent charge off my record. 
My name is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Okla. XXXX And the credit card number is XXXX XXXX XXXX XXXX and it was paid even before it was due. This is almost double the amount I charged and it is taking Advantage of me and maybe other seniors.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 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: MO

Complaint narrative:
My identity has been compromised and accounts has been opened and closed in my name, awhile ago this has been reported to all the credit reporting agencies and yet to be resolved as of this writing. Therefore, I'm demanding that the following accounts be blocked and removed immediately from my credit file. 

1 ) XXXX XXXX XXXX {$860.00} 2 ) XXXX XXXX XXXX {$1000.00} 3 ) XXXX XXXX {$1000.00}

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 2020-02-19 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: MO

Complaint narrative:
My identity has been compromised and accounts has been opened and closed in my name, awhile ago this has been reported to all the credit reporting agencies and yet to be resolved as of this writing. Therefore, I'm demanding that the following accounts be blocked and removed immediately from my credit file. 

1 ) XXXX XXXX XXXX {$860.00} 2 ) XXXX XXXX XXXX {$1000.00} 3 ) XXXX XXXX {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 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: MO

Complaint narrative:
My identity has been compromised and accounts has been opened and closed in my name, awhile ago this has been reported to all the credit reporting agencies and yet to be resolved as of this writing. Therefore, I'm demanding that the following accounts be blocked and removed immediately from my credit file. 

1 ) XXXX XXXX XXXX {$860.00} 2 ) XXXX XXXX XXXX {$1000.00} 3 ) XXXX XXXX {$1000.00}

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