vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Conn's, Inc.
State: NC

Complaint narrative:
Conns XXXX XXXX Repeatedly calls despite being told that the person who they are trying to contact does not live at this address. Spoke to someone XX/XX/2019 XXXX Asked them to stop calling, the previous day I told them to stop calling and earlier on the XXXX my mother also told them not to call. On the XXXX a man told me he could not remove my number from the account and there was some sort of process to take the number off. After that have received several calls ; XX/XX/2019 : XXXX XX/XX/2019 : XXXX, XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XXXX XXXX I was scammed by XXXX different people with XXXX different PayPal transactions. I purchased a good and they both did not send them to me and so I paid money and got nothing. Now, I have no way of contacting them or getting my money back because they blocked me. They took {$21.00} from me and also {$24.00}. I have attached the people who scammed me along with how much they scammed me. Please I just want my money back. To make matters worse I opened XXXX cases with PayPal and they said they could do nothing about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I got this letter / bill in my mail box stating : Dear XXXX your account was sold to XXXX XXXX XXXX XXXX. Your bank or creditor made a business decision to sell your debt. We purchased your account on XX/XX/2014, that was 5 yrs ago. A letter is coming to my address when XXXX died XX/XX/2014 all creditors were previously notified in writing and with a phone call. Its very disturbing to get a letter like this concerning a loved one who is deceased. Capital One the original debtor was notified. Before collection is done they perform skip tracing and check XXXX, it shows if the person is deceased, date of death, etc. I know because I used to do collections. I truly believe this company bought this debt knowing XXXX was deceased thinking family members who are not responsible will pay. They need to be fined for deceitful debt collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 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:
On XX/XX/2019 I have received an email regarding a new credit inquiry under my name for a XXXX XXXX XXXX card/service. 

I have immediately contacted XXXX to dispute the inquiry and they directed me to contact Equifax to dispute it. 
I have contacted Equifax and they requested that I send them a letter with information to verify my identity and request to dispute the inquiry. I have mailed the letter and all the information to them on the same day. 

Since I haven't heard back form anyone and it's been almost 3   months I have decided to contact Equifax today and check the status of the dispute. 
They confirmed that they received my letter. 

They told me that they can't do anything about it without XXXX sending them a letter saying that they agree to remove the inquiry. 

I have called XXXX to request that they will do that and they said that the only way for them to help is if Equifax will contact them directly to request this information. 
I called Equifax again and they said that they don't contact anyone, " the only hold information ''. I called XXXX again to let them know that Equifax don't contact anyone and that I need them to contact Equifax or send me something that I can then transfer to Equifax and they said they won't do it and the only way that it works is if Equifax will contact them. 

XXXX agree that they don't have any authorization from me to run this credit inquiry, yet they won't help me fix this fraud. 

I have been trying to speak to 5 different reps and managers at Equifax and 5 different reps at XXXX to try and resolve this, sent letter, verified my information, spent hours on phone call and I am still stuck between this two with no one to help me. 


PLEASE HELP ME! 


Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: First Financial of Columbia, Inc
State: SC

Complaint narrative:
I have a loan at First Credit in Florence and I have XXXX XXXX app on my phone which allows me to get alerts. This company ran my credit in XXXX for no apparent reason and I didnt give them permission. It was used because I wasnt answering my phone while at work so they took upon themselves to run my credit. Same thing happened to my Husband XXXX XXXX but they ran his 3 times within 5 months and this is not right

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 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: FL

Complaint narrative:
THE DISPUTED ACCOUNT DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. PLEASE INVESTIGATE THIS MATTER AND HAVE MY CREDIT REPORTING ITS ACCURACY. THIS ACCOUNT HAS BEEN OPEN FRAUDUTLENTY AND I WOULD LIKE TO HAVE IT OFF MY CREDIT FILE.

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 2019-10-01 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: NM

Complaint narrative:
RE : EQUIFAX REPORT CONFIRMATION # : XXXX CONFIRMATION # : XXXX I have called numerous times to get XXXX accounts taken off my credit report. 
1. XXXX XXXX XXXX , XXXX. ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX . XXXX XXXX XXXX, TX XXXX Opened : XX/XX/2019 Amount : {$580.00} ( See copy of enclosed letter ) 2. XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX  XXXX XXXX, TX XXXX Opened : XX/XX/2019 ( They called my phone asking what credit card I would be using for a payment!!! ) 3. XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Opened : XX/XX/2019 These are not my accounts, YET THEY KEEP SHOWING UP INDICATING THAT THEY ARE MINE. THEY ARE NOT!!!! These belong to a lady named XXXX XXXX. My name is XXXX XXXX XXXX. I never go by XXXX, and it's always XXXX XXXX, NOT XXXX. I am told by Equifax that they can not remove them and to contact the companies. The companies tell me to contact Equifax. I am just getting the run around. I recently retired and am in the process of paying off all my debts and having someone else 's accounts on my credit report is not helping!!! I also have alot of hard inquires listed that are NOT mine!!! 
1. XXXX, XXXX. 
2. XXXX XXXX 3. XXXX  XXXX  4. XXXX XXXX XXXX First of all, i have NEVER borrowed money at a finance company, nor would I ever step foot in a XXXX XXXX   store.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
This complaint submission is in regards to a false credit report by LVNV FUNDING LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX. I have made attempts to rectify this matter with them directly as they have now been unresponsive. I spoke with a few representatives who were all extremely rude and refused to give me any information reguarding this alleged debt. I then spoke with another representative who gave me their company 's fax number so I could forward them a Debt Of Validation letter, which was sent on XX/XX/2019. It was confirmed through fax confirmation that LVNV FUNDING LLC representative had received the files ; however, after 30 days of notifying them, still no response. At this point in time LVNV FUNDING LLC has failed to provide any proof of debt and/or anything in signature or judgment by law stating I was obligated to pay them the total of ( {$13000.00} ). I have never made any agreement with them or with the original creditor to pay anything nor was I properly notified of this false reported debt. After several attempts to rectify this matter, LVNV Funding then sent my personal information to a 3rd party referred to as ( XXXX XXXX XXXX ) who claimed to represent the company. At that point, they began demanding more personal information and stated I need to pay them in regards to the debt owed. I am firmly requesting LVNV FUNDING LLC immediately remove me from their systems and update all 3 major Credit Bureaus ( XXXX XXXX XXXX XXXX ) on this action. At this point they have failed to provide any competent evidence or any legal obligation. LVNV FUNDING LLC is currently in violation of the Fair Debt Collections Practice Act, 15 USC 1692g, and if this report is not updated immediately I will be taking legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC
State: FL

Complaint narrative:
Westlake finiacal showing a balance of XXXX owed when car was totaled in XXXX paid them off I havent had the car in 4months I need it removed off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 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: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2019 I have received an email regarding a new credit inquiry under my name for a Citibank Home Depot card/service.

I have immediately contacted Citibank to dispute the inquiry and they directed me to contact XXXX to dispute it. 
I have contacted XXXX and they requested that I send them a letter with information to verify my identity and request to dispute the inquiry. I have mailed the letter and all the information to them on the same day. 

Since I haven't heard back form anyone and it's been almost 3   months I have decided to contact XXXX today and check the status of the dispute. 
They confirmed that they received my letter. 

They told me that they can't do anything about it without Citibank sending them a letter saying that they agree to remove the inquiry. 

I have called Citibank to request that they will do that and they said that the only way for them to help is if XXXX will contact them directly to request this information. 
I called XXXX again and they said that they don't contact anyone, " the only hold information ''. I called Citibank again to let them know that XXXX don't contact anyone and that I need them to contact XXXX or send me something that I can then transfer to XXXX  and they said they won't do it and the only way that it works is if XXXX  will contact them. 

Citibank agree that they don't have any authorization from me to run this credit inquiry, yet they won't help me fix this fraud. 

I have been trying to speak to 5 different reps and managers at XXXX and 5 different reps at Citibank to try and resolve this, sent letter, verified my information, spent hours on phone call and I am still stuck between this two with no one to help me. 


PLEASE HELP ME! 


Thank you.

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 2019-10-01 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:
equifax and XXXX XXXX data breach caused my credit to have th XXXX  account ftc that was removed and put back on fcra violation

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: IN

Complaint narrative:
While reviewing my checking account online XX/XX/19, I discovered I had incorrectly mailed my mortgage payment to my utility company and my utility payment to US Bank Home Mortgage. Despite my check being made out to XXXX and noting my utility account number on the memo line, and the check amount of {$250.00} not matching the payment amount noted on the returned tear-off, US Bank submitted the check to XXXX XXXX XXXX for payment. However, because the deposit wasn't enough to cover my monthly payment, the funds were not applied to my account. Well, US Bank asserted the funds were in my account, it was just 'suspended. ' Upon discovering the problem, I contacted my bank and was told the funds had already been distributed to US Bank and could not be recalled according to their policy. Most of that day I was making phone calls to my utility company and the various entities who I believed had jurisdiction over them. At the end of the business day, I received a collection call from US Bank collections department. I explained the mistake I had made and asked how could US Bank fraudulently present a check for payment that was not written to them and then hold those funds without applying them to my account. I was told payments are processed through an auto processing center and besides, I mailed the check to them. I asked why they had not called me on XX/XX/XXXX. I believe the response was they didn't have a department to handle such scenarios, that there was no way they could call customers every time a partial/incorrect check is received. Despite explaining my struggle with the utility company 's delay in refunding the stolen monet, I received another collection call Friday! After securing a short-term loan from my bank today, I asked the collections department to waive the {$15.00} late fee. However, they refused stating they had already waived the {$11.00} fee for processing a payment with a representative over the phone. I asserted had they given me the courtesy of a phone call on XX/XX/XXXX, I could have resolved the issue before the XXXX of XXXX late fee deadline.

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 2019-10-01 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: TX

Complaint narrative:
XXXX and capital one data breach caused my credit to have th XXXX account ftc that was removed and put back on fcra violation

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: NJ

Complaint narrative:
Sir/ Madam I am XXXX XXXX , had a mortgage with Dovenmuehle Mortgage Inc , loan no is XXXX. I refinanced my mortgage with another lender and closed Dovenmuehle 's mortgage on XX/XX/2019 as per their pay-off letter which is attached with this complaints. 
My new lender paid {$500000.00} on XX/XX/2019 as per payoff letter for principal and interest on remaining days. 


But after the closing, they over charged unethically against my escrow balance. These are the charges. 

1. Mbs pool settlement charge as {$1000.00} on XX/XX/2019 ( It is not mentioned in payoff letter ) 2. Mip/pmi mortgage insurance as {$360.00} on XX/XX/2019 ( PMI for 2 months ). 

They already paid one month PMI insurance on XX/XX/2019 as {$180.00}. Please see the attached loan activity statement. 

They took unlawfully {$1400.00} from me, it is not an ethical and professional actions from Dovenmuehle Mortgage Inc to very good standing customer such as me. 
My loan originating date with Dovenmuehle Mortgage Inc is XXXX. 

Please kindly take necessary action to Dovenmuehle Mortgage Inc for refunding {$1400.00}. 

Yours Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX Attachments 1.  Payoff Letter from Dovenmuehle Mortgage Inc 2. Loan Statement

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP
State: OH

Complaint narrative:
I opened a US Bank Business Cash credit card when opening my business checking account. I was shown a pamphlet outlining all the various credit cards the bank has and was asked to pick which one best fit my needs. The credit card I picked had a bonus offer of {$500.00} statement credit after {$4500.00} spend. I asked the banker if I would get the bonus and was assured that I would. This is the standard new card member bonus that is advertised on all US bank credit card material. This material can be found in branch, on the website, on social media. It's literally advertised on every piece of promotional material I've seen about this card. 

Upon meeting the minimum required spending I waited for the statement to close. When the welcome offer was not awarded I called the bank to inquire about the issue, this is when I was informed that this offer was not linked to my account. I asked the bank to please resolve this matter, and was instructed to send in copies of the offer I received and cited during the application process. I faxed those in to card member service and received a latter today XX/XX/30 that they are unable to add the offer due to applying in branch. I spoke with my banker and they escalated the issue up the chain, but I assume this is why I have received this letter. This is not a targeted or special invitation offer, this is the standard welcome offer that is advertised everywhere. 

I have been a US Bank customer for quite some time and have 2 other credit cards open with the bank. Both of those cards were opened in branch with a banker and both of them have had the same type offers advertised. I had no trouble getting the previous welcome bonuses, so I do not understand the issue now.

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 2019-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been trying to get my security freeze lifted from Experian for 60 plus days. I have sent letters to three P.o. Boxes, the letters have been returned undeliverable. I have sent letters over the past 9 months to XXXX. XXXX  XXXX the required XXXX XXXX for security freeze lift request with proper verification. Experian has not complied, has not sent me a copy of my credit report in 9 months. All I'D is valid and verifiable. I have 8 letters of Denial from banks and credit card companies that pulled Experian credit report that state Unable to locate credit report or state there's a restriction on my credit report, other creditors state Unable to verify credit score. I have filed a complaint with the XXXX  and have had no success. This is hindering me from obtaining credit, a mortgage, and verifying my Experian credit score. I have called every toll free number for Experian and can not get a live operator, can not obtain credit reports using annualcreditreport.

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 2019-10-01 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
The amount {$1400.00} was charged on my personal checking account on XX/XX/19 for a business auto loan is 13 days late without authorization from me. The customer service representative said that these charges were because of a collection. I was never notified that this collection had occurred.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 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: NM

Complaint narrative:
RE : XXXX REPORT CONFIRMATION # : XXXX CONFIRMATION # : XXXX I have called numerous times to get three accounts taken off my credit report. 
1. XXXX XXXX XXXX , XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX . XXXX XXXX XXXX, TX XXXX Opened : XX/XX/2019 Amount : {$580.00} ( See copy of enclosed letter ) 2. XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, TX XXXX Opened : XX/XX/2019 ( They called my phone asking what credit card I would be using for a payment!!! ) 3. XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Opened : XX/XX/2019 These are not my accounts, YET THEY KEEP SHOWING UP INDICATING THAT THEY ARE MINE. THEY ARE NOT!!!! These belong to a lady named XXXX XXXX. My name is XXXX XXXX XXXX. I never go by XXXX, and it's always XXXX XXXX, NOT XXXX. I am told by XXXX that they can not remove them and to contact the companies. The companies tell me to contact XXXX. I am just getting the run around. I recently retired and am in the process of paying off all my debts and having someone else 's accounts on my credit report is not helping!!! I also have alot of hard inquires listed that are NOT mine!!! 
1. XXXX, XXXX. 
2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX XXXX First of all, i have NEVER borrowed money at a finance company, nor would I ever step foot in a 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