vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kirschbaum, Nanney, Keenan & Griffin, P.A.
State: CA

Complaint narrative:
On or around about XX/XX/2017 I received a hard inquiry on my XXXX  credit report. I was alerted by a credit monitoring alert through XXXX. Concerned due to the fact I hadnt recently applied for anything it showed the company Kirschaun, Nanney, Keenan & Griffin, P.A. had run a hard inquiry on my credit report. Considering I have never given them my personal information I called that following Monday and was told I owed a debt to XXXX XXXX which I hadnt recently done business with. I received a response from the company in which I still have screenshots and print outs and I informed them it was fraud. There was enough information provided from the company the last time I made a complaint to investigate with the assistance of an attorney. I even called XXXX customer service and was told they had no idea what I was talking about.The VIN number of the car Was searched it belongs to someone else. I have documentation to show the car was sold by XXXX in another state. We ran a VIN check. # XXXX. 
XXXX XXXX XXXX. I would think a collection agency or a entity that acts as one would have common sense to investigate. XXXX clearly provided false information and after informing Kirschbaun, Nanney, Keenan & Griffin, PA they still committed fraud on behalf of XXXX. Fact # 1 I was not and have not been a resident of XXXX let alone XXXX XXXX for more that 2 years. My drivers license is proof and my lease agreement to my apartment. I couldnt of purchased a car if I wasnt physically wasnt in the state. I was a resident of XXXX   then now a resident of XXXX. I have yet to see a car loan application, copys of any identifying information. After the response from my last complaint to the Consumer Financial Protection Bureau I sent the company certified mail which was later rejected and sent back stating it was the wrong address. But I clearly sent it to the address provided which was a XXXX XXXX In XXXX XXXX. I have made a formal complaint to the state bar due to the misconduct and false documents provided by Kirschaum, Nanney, Keenan, & Griffin, P.A.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-22 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:
I did a dispute with equifax on XX/XX/XXXX on a collection that was made by XXXX XXXX XXXX XXXX on XX/XX/XXXX Confirmation Number : XXXX.I explain to them that is was only XXXX at the time of the collection i was not XXXX yet and that was without my consent they did an investigation and and there conclusion on XX/XX/XXXX was that the account did belong to me. and they made changes on my credit report that my birthday is XX/XX/XXXX and my previous addresses when i lived at current address sence i was XXXX my birthday is XX/XX/XXXX This is what they sent me XX/XX/XXXX The Results Of Our Reinvestigation Collection Agency Information ( This section includes accounts that have been placed for collection with a collection agency. ) >>> We have researched the collection account. Account # XXXX The results are : We verified that this item belongs to you. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : *STATUS DATE *BALANCE DATE. If you have additional questions about this item please contact : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX Phone : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX CA XXXX : ( XXXX ) XXXX Account Number XXXX Date Reported XX/XX/XXXX Date Assigned XX/XX/XXXX Creditor Class Personal Services Client Name XXXX XXXX XXXX XXXX XXXX Original Amount {$190.00} Status Date XX/XX/XXXX Status Unpaid Date of 1st Delinquency XX/XX/XXXX Balance Date XX/XX/XXXX Balance Amount {$280.00} Last Payment Date Whose Account Individual Account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Law Offices of Gerald E Moore & Associates, PC
State: FL

Complaint narrative:
The collection company contacted me in reference to the debt owed. They stated if debt was paid in full it would be deleted from our credit report by the end of XX/XX/XXXX. My husband called and paid in full. It is now the end of XX/XX/XXXX and the debt is still there.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Focus Holding Company
State: NY

Complaint narrative:
Have a negative debt on one of my credit reports that is not mine. Was never told about it. Never received any mail or phone call. No knowledge of this at all until it appeared on my credit report. One credit agency deleted it. The other one I  have disputed it with them twice and they wont correct it its not my debt and I want it fixed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-22 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: Diversified Consultants, Inc.
State: CA

Complaint narrative:
I found a recently opened account with no info Except company name on my credit report. I have never been contacted by this company no information, you try contact number is is voice mail that is full. I have had no business with this company or anyone they represent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I am trying to access my capital one 360 checking account using a 3rd party app called XXXX and capital one is prohibiting me from accessing my own information using this. This is against the rules as they can not prevent me from accessing my own banking information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
XX/XX/18 I deposited {$2000.00} as an opening deposit for a new PNC bank account. The money was deducted from my outside other bank account but was never placed in the new PNC account. After 3 weeks of talking to PNC agents they informed me the money was at first " lost '' and then later jumped to say it was sent back to my original count. One agent told me the money was sent to a " XXXX account '' and I do not even have an account with this provider. It is XXXX XXXX the money originated from. Thus proving they sent the money back to a wrong account not owned by myself. After weeks of waiting and conversing with my main bank account provider- they informed me it was never sent back. PNC will not cover this {$2000.00} that they lost and will not give me any help. They told me to do a charge back at my original bank and I believe this is wrong and completely unnecessary because the money was mishandled in the hands of PNC. PNC bank should be the ones to reimburse me the lost money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-22 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: Collection Bureau of America Ltd.
State: CA

Complaint narrative:
I did a dispute with XXXX on XX/XX/XXXX on a collection that was made by Collecion Bureau of America on XX/XX/XXXX Confirmation Number : XXXX.I explain to them that is was only XXXX at the time of the collection i was not XXXX yet and that was without my consent they did an investigation and and there conclusion on XX/XX/XXXX was that the account did belong to me. and they made changes on my credit report that my birthday is XX/XX/XXXX and my previous addresses when i lived at current address sence i was XXXX my birthday is XX/XX/XXXX This is what they sent me XX/XX/XXXX The Results Of Our Reinvestigation Collection Agency Information ( This section includes accounts that have been placed for collection with a collection agency. ) >>> We have researched the collection account. Account # XXXX The results are : We verified that this item belongs to you. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : *STATUS DATE *BALANCE DATE. If you have additional questions about this item please contact : Collecion Bureau of America, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX Phone : ( XXXX ) XXXX CBA Collection Bureau of Amer XXXX XXXX XXXX XXXX XXXX XXXX   XXXX CA XXXX : ( XXXX ) XXXX Account Number XXXX Date Reported XX/XX/XXXX Date Assigned XX/XX/XXXX Creditor Class Personal Services Client Name XXXX XXXX XXXX XXXX XXXX Original Amount {$190.00} Status Date XX/XX/XXXX Status Unpaid Date of 1st Delinquency XX/XX/XXXX Balance Date XX/XX/XXXX Balance Amount {$280.00} Last Payment Date Whose Account Individual Account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Many attempts have been made to link my capital one credit card account to my online banking account through XXXX XXXX. Every time I try, I get a message stating that capital one is " blocking external applications '' from accessing it. I need to be able to see my financial data within my banking app to be able to send payments to it with my checking account, so that they will actually post the payments the day they are received instead of holding the payment from the available credit for 3 days after receipt of the payment, which they do if you " pull '' the payment with capital one instead of " push '' the payment with your bank account to protect themselves against false fraud accusations. I should be able to access my financial data in any way I please, as it is MY finances that are at risk if I am not able to.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-22 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: Navient Solutions, LLC.
State: CA

Complaint narrative:
I have 2 student loans with the U.S. Department of Education. I am currently doing the loan forgiveness program. The loan amounts total is XXXX. My loans have been transferred to many different companies causing duplicate information for the same loans on my credit report. Ive tried asking each company to remove the duplicates from my file without any luck. My credit is suffering considerably. The companies listed on my file are XXXX XXXX XXXX opened XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX, US Department of ed/XXXX/all opened XX/XX/XXXX, US Department of ed/XXXX/XXXX opened XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX, XXXX opened XX/XX/XXXX, XXXX opened XX/XX/XXXX, XXXX opened XX/XX/XXXX, XXXX opened XX/XX/XXXX, Dept of education/XXXX   opened XX/XX/XXXX, Dept of education/XXXX opened XX/XX/XXXX, XXXX XXXX XXXX/XXXX opened XX/XX/XXXX, XXXX/XXXX XXXX XXXX opened XX/XX/XXXX, XXXX/XXXX XXXX   XXXX XX/XX/XXXX. Every one of these loans are for the same loan causing clutter and damage to my credit report. I reported this to XXXX and XXXX but nothing has been done. Please help me remove these student loans from my report and update my current loans with the US Department Of Education.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-22 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: Comerica
State: CA

Complaint narrative:
This alleged company ( XXXX XXXX   ) state thati have a banking account with them although I don't I have no idea on where this bank is located at, I've sent in my ID, certified affidavit form, with a police report, and ftc identity report, I've reported this to my credit bureaus and yet its is going 3 months of a constant investigation every time its gets to the 30 day mark is just automatically re-investigate and take my credit score down please assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-22 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:
After reviewing my credit file I have come across information reported from Department of Education/XXXX that is incorrect. On XX/XX/XXXX I spoke with XXXX at XXXX Department of Education and was informed that all my accounts were current in the amount however an account in the amount XXXX and XXXX has never been late because it does mot exist.XXXX also stated that XXXX has not reported anything to either credit agency yet I have negative incorrect possible fraud accounts from there company listed.XXXX also informed me that it would be updated within 24 hours. On XX/XX/XXXX I spoke with XXXX and XXXX and they both informed me that these 2 account never existed however the ones that I do have are current and never been late. Yet all 3 credit reporting agencies are still reporting this inaccurate and based on XXXX and XXXX fraud info. I myself have never known about an account in the of XXXX and neither have I known of one in the amount {$6500.00} and I also know I HAVE NEVER EVER BEEN LATE ON ANY ACCOUNT THAT I MAY HAD. Please remove these accounts from my credit file immediately. As I have never ever been late on a student loan the loans I have are being paid on time and these loans do not exist or could be a result of identity theft as I have been a victim of. EQUIFAX CONTINUES TO REPORT INACCURATE INFORMATION ONTO MY CREDIT FILE THAT THEY ARE NOT EVEN VALIDATING. DEPT OF ED/XXXX COULDNT HAVE POSSIBLY VALIDATED OR VERIFIED THIS INFORMATION WITH YOU BECAUSE THEY CANT VALIDATE IT WITH ME. I WILL BE FORCED TO PURSUE LEGAL ACTION AGAINST EQUIFAX IF IT IS NOT REMOVED

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX I noticed a new collection account had posted on my credit report and it was by a National Recovery Agency. The collection amount was for {$330.00} and it was said to have been opened/service sometime in XX/XX/XXXX. The collection first showed on my report in XX/XX/XXXX but was first reported in XX/XX/XXXX. I initially spoke with National Recovery Agency on that same day, XX/XX/XXXX. On that day I was told by a representative and a supervisor that the company could not tell me the nature of the debt. They also could not tell me what service I was supposed to have used during the said service period. I told NRA the debt was not mine for the simple fact that I NEVER had signed up for any of XXXX 's services. NRA could not give me any answers so they referred me to speak with the original creditor, XXXX. 
After spending over a half an hour on the phone with NRA, I called XXXX. Speaking with XXXX was worst because I spent over 4 hours speaking to a rep. in every single department within XXXX. XXXX had no recollection of me having service during the said period in XX/XX/XXXX. XXXX has an old account under the name XXXX XXXX but it was paid off, with a {$0.00} balance back in XX/XX/XXXX. Everyone I spoke to, in every single department refused to give me anything in writing. They also refused to tell their own hired company NRA to stop reporting me. 
I spoke to NRA again on XX/XX/XXXX and asked again for something in writing about this debt and again they refused.

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 non-monetary relief
Consumer complaint received 2018-07-22 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: IL

Complaint narrative:
I am requiring that Equifax get physical verification ( i.e. Consumer Contract with my signature ) for these accounts XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX ; and XXXX XXXX XXXX. If these companies can't provide physical verification that these accounts are mine, section 602 of the Fair Credit Reporting Act requires they be removed from my report. 
I am disputing these accounts because I am a victim of Identity Theft. The aforementioned accounts are fraudulent. The other credit reporting agencies have removed these accounts. Their Investigation has been over 30 days. Equifax has not gotten physical verification from these companies. They are accepting verfication without physical evidence. Simply stating based on the creditor 's word, the account is verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
XXXX XX/XX/2018 my money is being held due to my opening deposit of XXXX being return do to bank error I had two other deposit to enter the account from debit transfer and USBank is refusing to give me my money and is holding my money

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 2018-07-22 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: ECMC GROUP, INC.
State: CA

Complaint narrative:
I have 2 student loans with the U.S. Department of Education. I am currently doing the loan forgiveness program. The loan amounts total is XXXX. My loans have been transferred to many different companies causing duplicate information for the same loans on my credit report. Ive tried asking each company to remove the duplicates from my file without any luck. My credit is suffering considerably. The companies listed on my file are XXXX XXXX XXXX opened XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX, US Department of ed/XXXX/all opened XX/XX/XXXX, US Department of ed/XXXX/XXXX opened XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX, ECMC opened XX/XX/XXXX, ECMC opened XX/XX/XXXX, ECMC opened XX/XX/XXXX, ECMC opened XX/XX/XXXX, Dept of education/XXXX   opened XX/XX/XXXX, Dept of education/XXXX opened XX/XX/XXXX, XXXX XXXX XXXX/XXXX opened XX/XX/XXXX, XXXX/XXXX XXXX XXXX opened XX/XX/XXXX, XXXX/XXXX XXXX   XXXX XX/XX/XXXX. Every one of these loans are for the same loan causing clutter and damage to my credit report. I reported this to XXXX and XXXX but nothing has been done. Please help me remove these student loans from my report and update my current loans with the US Department Of Education.

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 2018-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have 2 student loans with the U.S. Department of Education. I am currently doing the loan forgiveness program. The loan amounts total is XXXX. My loans have been transferred to many different companies causing duplicate information for the same loans on my credit report. Ive tried asking each company to remove the duplicates from my file without any luck. My credit is suffering considerably. The companies listed on my file are XXXX XXXX XXXX opened XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX, US Department of ed/XXXX/all opened XX/XX/XXXX, US Department of ed/XXXX/XXXX opened XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX, XXXX opened XX/XX/XXXX, XXXX opened XX/XX/XXXX, XXXX opened XX/XX/XXXX, XXXX opened XX/XX/XXXX, Dept of education/XXXX   opened XX/XX/XXXX, Dept of education/XXXX  opened XX/XX/XXXX, XXXX XXXX XXXX/XXXX opened XX/XX/XXXX, XXXX/XXXX XXXX XXXX opened XX/XX/XXXX, XXXX/XXXX XXXX   XXXX XX/XX/XXXX. Every one of these loans are for the same loan causing clutter and damage to my credit report. I reported this to Experian and XXXX but nothing has been done. Please help me remove these student loans from my report and update my current loans with the US Department Of Education.

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 2018-07-22 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: AES/PHEAA
State: CA

Complaint narrative:
I have 2 student loans with the U.S. Department of Education. I am currently doing the loan forgiveness program. The loan amounts total is XXXX. My loans have been transferred to many different companies causing duplicate information for the same loans on my credit report. Ive tried asking each company to remove the duplicates from my file without any luck. My credit is suffering considerably. The companies listed on my file are XXXX XXXX XXXX opened XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX, US Department of ed/XXXX/all opened XX/XX/XXXX, US Department of ed/XXXX/XXXX opened  XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX, XXXX opened XX/XX/XXXX, XXXX opened XX/XX/XXXX, XXXX opened XX/XX/XXXX, XXXX opened XX/XX/XXXX, Dept of education/XXXX   opened XX/XX/XXXX, Dept of education/XXXX opened XX/XX/XXXX, XXXX XXXX XXXX/XXXX  opened XX/XX/XXXX, AES/XXXX XXXX XXXX opened XX/XX/XXXX, Aes/XXXX XXXX   XXXX XX/XX/XXXX. Every one of these loans are for the same loan causing clutter and damage to my credit report. I reported this to XXXX and XXXX but nothing has been done. Please help me remove these student loans from my report and update my current loans with the US Department Of Education.

Company response to consumer: Closed with explanation