vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
Portfolio Recovery is reporting a debt that is a result of fraud. I have made the original creditor as well as the collection agency aware of this fact. I also took the necessary steps to file an identity theft report with the FTC and forwarded to all 3 bureaus and the account holder. Yet they continue to report this negative and harmful item on my credit report. the balance, status, and payment history is inaccurate and I'm not responsible for paying a debt amount I did not add or owe. They have not updated my account properly and I'm to the point where I don't know what else to do to clear this up. i know it's a violation of the FCRA to report any information that is inaccurate, incomplete, or unverifiable. This account is all of above. the only thing they can prove is that someone assumed my identity to open this account and forged my name on whatever contract that was formed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
On or about Sunday, XX/XX/2018 I lost my wallet. It was left in a car that I rode in. I got my wallet back in my possession on or about XX/XX/2018. I notified my bank that I had some charges on my account that I do not recognize. Two from XXXX on my USAA account and one on my XXXX XXXX card. This total from XXXX on my USAA account was {$580.00}. USAA denied the claim and stated I made the transactions. I immediately filed a police report and sent it to them to reevaluate the claim. I called today, Thursday, XX/XX/2018 to get a update and I was told they are sticking with the decision and I am to be held liable for the changes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX Bank has me listed being late 30 days in XX/XX/2018 and that's incorrect. I was never late.

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 2018-09-20 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: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX Bank has me listed being late 30 days in XX/XX/2018 and that's incorrect. I was never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: WA

Complaint narrative:
A payment was made to XXXX XXXX on XX/XX/18 that they forwarded to Loancare on XX/XX/18 with the sale of our loan to loancare. This was not credited to my account until XX/XX/18. I paid Loancare on XX/XX/18 by phone. This payment was credited to my account, but for the previous month ; because, until XX/XX/18, they had not credited the previous payment from the previous bank ( XXXX Bank ) to my account. 

On XX/XX/XXXX, I sent an automatic payment from my bank in form of check to Loancare. They cashed it on XX/XX/18 and did NOT credit it to my account. 

My account shows 30 days past due and is reporting negatively to my credit record. 

My husband and I have been calling Loncare for nearly 3 weeks and they still will not credit our account or correct the negative reporting, despite proof of all payments being sent to them. 

They sent notice on XX/XX/18 threatening foreclosure on our home. 

I have sent every document that they have requested.

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 2018-09-20 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: SC

Complaint narrative:
XXXX XXXX is reporting a debt that is a result of fraud. I have made the original creditor as well as the collection agency aware of this fact. I also took the necessary steps to file an identity theft report with the FTC and forwarded to all 3 bureaus and the account holder. Yet they continue to report this negative and harmful item on my credit report. the balance, status, and payment history is inaccurate and I'm not responsible for paying a debt amount I did not add or owe. They have not updated my account properly and I'm to the point where I don't know what else to do to clear this up. i know it's a violation of the FCRA to report any information that is inaccurate, incomplete, or unverifiable. This account is all of above. the only thing they can prove is that someone assumed my identity to open this account and forged my name on whatever contract that was formed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 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: TD BANK US HOLDING COMPANY
State: MI

Complaint narrative:
XXXX client, XXXX XXXX is a victim of identity theft. A current XXXX credit report reveals that a fraudulent application was submitted with her information that resulted in an inquiry XX/XX/XXXX with TD Bank/XXXX that she did not authorize. An official dispute of this was faxed ( verified received ) to TD Bank/XXXX fraud department XX/XX/XXXX. In response TD Bank provided application data however did not confirm the issue was resolved nor did they remove the inquiry from the credit report. This is a violation of FCRA and my clients federal consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Northwood Asset Management Group
State: IN

Complaint narrative:
Received a phone call on my company cell from what appeared to be a local number. 
When I answered the call they wanted to know if I was " my name '' with a birth date of xx-xx-xxxx and the last 4 of my ssn was xxxx. 
I asked who they were and what the call was about. The caller refused to tell me who they were with out me verifying my personal information, so I promptly told them this was a scam and goodbye. 
The caller then called my company cell phone from a NY number and then called my company work phone from a third number. Harassing me to answer the questions. 
I only answered that I was the person they were asking for and explained if they had just told me who they were in the beginning, I would have not hung up. 
The caller proceeded to tell me about a alleged debt in my name and provided 3 different source names for the original debtor, then proceeded to ask me to take care of the debt today, when I told them that was not possible and I would need something in the mail and wanted to verify the debt, the caller became very angry and said I owe this debt and should pay it. The caller asked if I could make payment arrangements and I said again, once you mail me the proof of the debt and if I verify the debt is valid then I will make payment arrangements. The caller proceeded again to ask me if I had the funds to take of this today in a harassing and rude manner. 
The caller then tried to verify my email address, the first one the caller noted was not mine, however the second one was.  I verified the second email address and the caller stated they would email me the notice and NOT mail it to me. 
I still have not been provided with the proof. 
The caller sent me the email and said I had 24 hours to decide and they would call me again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 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: TX

Complaint narrative:
XXXX was not resolved. See feedback

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2018 i contacted Wells Fargo because I was unable to download transactions into my XXXX. per online forums there has been an issue with this since XX/XX/XXXX. it is not XX/XX/XXXX and the issue has not been resolved. 

I refer may clients to Wells Fargo and this is unprofessional on Wells Fargo end. they promise easy XXXX  navigation and are not doing as they promise in their advertisements. They have reached out indicating it has been corrected but it has not. Additinionally, when i call ( which i did on XX/XX/2018 ) they redirect me to XXXX ( owner of XXXX  company ). XXXX then indicates to me that it's a Wells Fargo 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 monetary relief
Consumer complaint received 2018-09-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
On or around XXXX of 2018 I received a phone call from someone stating they worked for a law office and I was being sued for an old overdrawn bank account if I didn't make immediate payment. I asked for proof of the debt and was told that it was past of the point where I was owed any proof, either to pay or I was going to be served with a subpoena at work. I told them I wouldn't pay anything without proof and blocked the phone number after being told again they wouldn't provide any proof. On XX/XX/18 someone stating their name was XXXX XXXX and working for XXXX contacted a co worker of mine and told them that I was being sued for an old debt and asked that I call them back at XXXX. The message was passed along to me and I called back. I spoke to someone named XXXX XXXX at extension XXXX who told me that XXXX was the company they use to serve court paperwork and he didn't know who XXXX XXXX was. He told me that I owed {$640.00} dollars for an old Huntington Bank account and if I didn't pay it that day I would be served with court paperwork and sued for a larger amount. He stated that he worked for XXXX XXXX in Washington State and his company was attempting to collect the debt of behalf of XXXX XXXX XXXX in XXXX XXXX, CA. I asked for proof of the debt and he stated he would email me documents but it was all pdf documents and it took him a while to send. It seemed as if he or his " company '' were creating the documents as I was on hold. He did ended up sending them to me and I paid the {$640.00} on my credit card to avoid the possibility of being sued or having my accounts frozen which I was told would happen. I believe strongly that this was fraud and also received a fraud alert on my credit card which I was told I had to remove in order to allow the transaction to go through. 

I was also given a docket number on which the case was supposedly to be tried. The docket number was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 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: SC

Complaint narrative:
I recently went online online to open a social security account, and they asked questions based on my credit past, to verify my identity. The questions asked didn't pertain to me. They asked about loans taken out in 2014, and a store credit card opened in 2014. In 2014, I was not old enough to open any credit cards, or get a loan. Then I went to a credit report site to see if I could order my credit report and look at the issues. The credit report site wanted me to do the same thing, answer questions based on my credit past. I couldn't answer these questions, based on the fact that I should have no credit past, and the questions did not belong 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 2018-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: SLM CORPORATION
State: MN

Complaint narrative:
Hello : I have a personal loan with XXXX XXXX from my XXXX degree that I completed in XXXX. I recently went into repayment as of last year and XXXX XXXX failed to update my address and deliver the notice of repayment to me via either email or phone or even regular mail. I spoke with them on the phone about this when first noticed this and they admitted and acknowledged that it was indeed their fault and they would fix it on their end. In addition, they proceeded to immediately report me to credit bureau following the call for being delinquent on my student loan even though I made a payment during the call to make my account current and set up an automatic payment for the lifetime of the loan. I am currently in my XXXX. program in XXXX XXXX, XXXX. I submitted a dispute with the credit bureau to attempt to get this information removed from my report or at least a note added about the situation and it was denied after speaking to XXXX XXXX about everything even though I had documentation and proof that was provided about the situation. My credit score took a major hit because of this situation which I found highly upsetting as I was relocating to XXXX  for my XXXX XXXX earlier this year during the summer. It was almost impossible for me to get approved for an apartment out here. Thankfully my father was willing to co-sign for me and as a result I have to live in student housing at age XXXX years old even though I can afford to live in a real apartment. So I currently reside in a studio apartment due to this issue with XXXX XXXX that has carried over all these years despite it not being my fault. Now, I am reaching out to you to attempt to resolve this issue. Possibly have them dismiss the entire debt because of this error in reporting on their part as I have suffered more than enough due to their incompetence and am tired of dealing with them. For the sake of reporting them to you, I attempted to log into the website and my user account could not be found even though I know the information like my own ssn but, of course the website was down. I was actually happy they sold my loans to navient the majority of them and excited about the letter received that notified me I currently had no business with XXXX XXXX back in XX/XX/XXXX. However, imagine my surprise when realized we still had a relationship I was unaware of in XX/XX/XXXX. Anyway, please call me at XXXX to further discussion this issue. I am sick of being messed over by XXXX XXXX and I am surprised they are not at the top of the list of most disputes filled against a company. Thank you for your time and have a blessed day.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-20 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: AZ

Complaint narrative:
I am a victim of identity theft. My XXXX XXXX and XXXX XXXX, XXXX XXXX XXXX, UT XXXX Mastercard # : XXXX is lost/stolen. All of the transactions on the account is fraudulent and unauthorized. My entire credit limit of {$800.00} was used in a fraudulent manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: KS

Complaint narrative:
collection agency is attempting to collect a debt that is not mine and I do no owe. I have sent three written requests for documentation verifying the details of the debt, yet no response has been received.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I was shocked when reviewing my credit report and found inconsistent late payments on the dates below : 30 days late as of XX/XX/XXXX on XXXX 30 days late as of XX/XX/XXXX on XXXX and XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: WA

Complaint narrative:
I had just finished my XXXX XXXX Degree and decided to consolidate my student loans so that I could qualify for the Public Service deferrment. I completed all of the paperwork and was given a letter from Nelnet stating the terms. The terms were not what I was expecting so I called them within the 10 day window prior to consolidation and spoke with a cheerful representative. I told her that I had signed up for the REPAYE program and was initially given a much lower dollar amount and she confirmed all of this. Told me what the payment amount should be ( which is what I was expecting ) and when my first payment was due. When the first payment date was a week away ( according to the info provided to me by the rep ) I called because I had not received any information on where to send my payment. I finally connected with a supervisor who told me that since I had a parent plus loan I did not qualify for the plan that I had requested and that I was given bad information from the initial rep and that there was nothing they could do to help me as they had already consolidated the loans. Now I am looking at really struggling as these new payments are on the worst income contingent plan without a cap at an amount that I will not be able to comfortably make.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NC

Complaint narrative:
Toyota Motor Credit is reporting that my auto loan was delinquent in XXXX of 2017. It was not. I have asked Toyota to correct this mistake on my credit report, but they refuse. I am attaching a copy of my payment history on this account, which clearly shows that the account was not delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: KS

Complaint narrative:
collection agency is attempting to collect a debt that is not mine and I do no owe. I have sent three written requests for documentation verifying the details of the debt, yet no response has been received.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I called into the agency to dispute fraudulent inquires on my report. My purse was lost with my information inside and I made a police report and sent it into Equifax along with the other 2 credit agencies. I got a notification from XXXX that my information as listed on the black market this morning XX/XX/XXXX. 

I called equifax and they said they can not dispute the inquires even after me providing my police report. This is against the law. 

I contacted each company, who conducted the inquiry and asked them to remove their credit inquiries from my credit profile. They have no information for me and have no records of these inquiries. 

I have attached my police report as well. Please remove the unauthorized inquires XXXX  XXXX XXXX XXXX Inquiry from XX/XX/2018 All Banks XXXX XXXX Dba XXXX   Inquiry from XX/XX/2018 All Banks XXXX XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 Credit Unions XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-20 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Commercial Acceptance Company
State: PA

Complaint narrative:
A non family member was contacted regarding a collection account by this company on XX/XX/20. I called and spoke to XXXX. XXXX confirmed my address. If they have my address they should not be contacting people to locate me. XXXX Told me that I owed XXXX hospital $ XXXX. I explained that I have insurance and my copay is {$100.00} so that bill is not correct. XXXX told me that is what XXXX is reporting and I owe today and it is going to affect my credit if it is not paid. I said I am not going to pay a bill that I do not feel is correct text. She hung up on me without any instruction how to proceed. Did not inform me of any rights or recordings of any kind.

Company response to consumer: Closed with explanation