vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have made 3 attempts with XXXX XXXX XXXX XXXX by certified mail concerning their account number # XXXX for a debt in the amount of {$200.00}. I have notified them this is not my debt and asked how they are verifying this debt. I requested something with my signature instead they sent me an itemized bill. I have requested 3 times something how they are verifying this and something with my signature. They have yet to comply. I have requested the 3 credit bureaus to remove this from my credit file due to XXXX XXXX not providing me with undisputable proof. XXXX and XXXX  have removed it from my credit file. Equifax has responded with XXXX XXXX have verified it with them, but to this date Equifax has not has not or will not provide those facts with me. I want this removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Persolve, LLC - Legal - Series 2
State: GA

Complaint narrative:
XXXX XXXX XXXX is reporting a collection on my credit reports for a auto loan I do not owe. They have never contacted me about this debt or given me the opportunity to dispute the debt originally. I have disputed via the credit bureaus this collection and sent a letter requesting proof of debt. They have no signed contract between myself and them proving that I owe this {$10000.00} amount. Secondly the company that responded to my request for validation from XXXX XXXX XXXX is Persolve Legal Group, LLP my drivers License and social security card are being furnished to multiple companies without my permission and as a current victim of identity fraud which is noted in all of my credit reports this is a violation of my privacy and civil rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A.
State: GA

Complaint narrative:
I was impacted by a FEMA declared disaster " Hurricane Irma '' and my home was in the disaster area. PNC placed me on a 6 month disaster forbearance with promise of doing a streamline disaster modification at the end. Since my property insurance did not pay anything because our home was not damaged significantly but had enough damage to put us behind with out of pocket expenses from power loss, loss of food, trees fallen, debris everywhere, siding damage, the insurance company raised the deductible to 5 % of total value of the home at about {$10000.00} and my damage was under that amount so it was all out of pocket on a fixed income. I used the money to recover from the disaster. My wife and I are XXXX XXXX XXXX veterans who both served in war in XXXX. 
We were never late on our mortgage payments and were current for years ( about 10 year ) until the hurricane. Other mortgage companies assisted many in our area and even the other properties I own. But at the end of the 6 month term PNC would not help and I was left being 6 months due. I would have never accepted the " assistance '' from PNC had they not given a commitment to help bring my loan current. Now I am facing a foreclosure sale date of XX/XX/2019 in spite of having a complete loan modification application which is simply my VA award letters and bank statements. Not a whole lot but PNC made it very difficult to have a " complete package ''. In spite of " dual tracking '' being restricted per CFPB servicing guild lines PNC continues to have a sale date and active review in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
I have had an untroubled account with XXXX XXXX XXXX, acct id XXXX, for many, many years. Last year I lost my card, reported it, and they sent a replacement card with a new number. After having not used my card for a long time, months, I tried to make a small online purchase and it was declined. When I called to find out about the problem, I was told XXXX made an automatic purchase to my account for {$40.00}, and I was never notified. The payment due was late at that time with an additional {$27.00} late fee attached. I asked on the phone why was I not notified by mail or email. They had no answer. 

I filed a dispute. They required me to wait for their postal mail document. On XX/XX/XXXX, I received their mail-out and the due date was XX/XX/XXXX. On XX/XX/XXXX I received a letter from XXXX   stating that they tried to reach me by phone on XX/XX/XXXX, and since I did not answer the disputed amount {$39.00} will remain on my account. I did mail a completed and accurate dispute form as they required on XX/XX/XXXX. Apparently, it was too late for their unreasonable expectations. 

I did not authorize this purchase for virus protection for an old computer I rarely use. 

How is it possible that XXXX can put something on my card unbeknownst to me and I can't make one charge on my own card? I also had trouble getting onto their website to access my account. I CAN'T ACCESS IT BUT APPARENTLY ANYONE ELSE CAN. 

Also important to note is that I did not receive any postal mail or email about this illegit purchase UNTIL I told them about that over the phone. Suddenly I can receive all kinds of mail and email from them. My email has been the same for years. My phone number and mailing address has been the same since XXXX. 

On XX/XX/XXXX I called XXXX again and told them to close this account immediately. I assume they did. 

XXXX  sent me an email on XX/XX/XXXX telling me my payment is due XX/XX/XXXX. They have sent me no acknowledgement that they received my dispute. 

How can it be that someone, anyone can access my account and I can't? How can the CFPB allow credit card establishments to behave so unreasonably.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
In XXXX of 2018 my loan was sold to XXXX XXXX by CapitalOne. The notification did not reach me and I only found out after I called CapitalOne to find out why I could not log into their account to make sure my payment had been applied since my bank was not showing it as completed. They stated that the account was closed and the new servicer would be getting in touch with me with payment information and I would just pay the XXXX payment to XXXX XXXX. It was not until a few months later when I got a credit alert that my score was affected by a late mortage payment. I tried contacting XXXX XXXX to fix the error and they do not provide a way to do this. I tried disputing with the credit reporting agency XXXX and nothing ever happend. I am in the process of trying to qualify for a refinance and this is causing my score to be sub-par. I believe that this should not have been reported as late as the mortage was sold and I was not given the opportunity to pay the XX/XX/2018 payment to the company reporting the late payment. I would like this late payment removed from my credit file at all agencies. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Was offered {$400.00} sign up bonus from Citi for depositing $ XXXX into a savings account. Rep attempted to fund over the phone but wouldnt complete. Citi then sent me a form that needed my signature received 10 days later which I sent back next day. Debit card which was necessary to fund account was then shipped 9 days later. I received card 10 days after that. I funded my account the day it was received which took 3 days for ACH to complete. Citi will not honor bonus since account wasnt funded within 30 days. 

Deceptive and predatory offer practices by Citi to delay the process intentionally so the customer doesnt receive offered bonus.

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 2019-04-30 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: ProCollect, Inc.
State: TX

Complaint narrative:
On my credit report it shows I owe a balance of {$2900.00} to XXXX XXXX and it is in collections with ProCollections Inc. The problem is I've never lived here. I went to XXXX XXXX and they were unable to provide a lease, my signature or any information I am trying to find a place to live and this is a hindrance.

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 2019-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX I sent a {$300.00} down payment for parts and services to XXXX XXXX XXXX through Cash App. ( Square , Inc ). On XX/XX/XXXX I sent another {$120.00} to her boyfriend ( XXXX XXXX ). After weeks, then months of being lied to and misled, I filed a complaint with Cash app support on XX/XX/XXXX. They responded with sympathy and asked that I contact my bank and they would work directly with them to resolve the issue. My bank is another issue, but they did open a case for one of the transactions. My bank did inform me that the transactions are out of their time frame for a ruling in my favor. I right away ( XX/XX/XXXX ) contacted Cash app to discover they closed the case because they hadn't heard from me. They reopened the case and I went through the steps to reinitiate the complaint and they responded with and email saying my Cash App account is closed and I can no longer send or receive payments. I responded to the email asking how are the two crooks being held accountable, but they have ignored me. Can you please help me. I also sent money through XXXX to these crooks and they have already credited my account. Appreciated your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
credit reporting agencies still have not removed the inquires from my credit report!!!!!!!!

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 2019-04-30 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Riverwalk Financial Corporation
State: GA

Complaint narrative:
XXXX XXXX XXXX is reporting a collection on my credit reports for a auto loan I do not owe. They have never contacted me about this debt or given me the opportunity to dispute the debt originally. I have disputed via the credit bureaus this collection and sent a letter requesting proof of debt. They have no signed contract between myself and them proving that I owe this {$10000.00} amount. Secondly the company that responded to my request for validation from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX my drivers License and social security card are being furnished to multiple companies without my permission and as a current victim of identity fraud which is noted in all of my credit reports this is a violation of my privacy and civil rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
The credit agencies will not correctly update my credit report as XXXX XXXX XXXX credit card has been paid off.

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 2019-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On my credit report it shows I owe a balance of {$2900.00} to XXXX XXXX and it is in collections with XXXX XXXX. The problem is I've never lived here. I went to XXXX XXXX and they were unable to provide a lease, my signature or any information I am trying to find a place to live and this is a hindrance.

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 2019-04-30 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: FC HoldCo LLC
State: KY

Complaint narrative:
Account was paid in full by XXXX XXXX. Vehicle was totaled in accident. I also received a refund from over payment from 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
Consumer complaint received 2019-04-30 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: GA

Complaint narrative:
MY BANK ACCOUNT IS SUPPOSED TO REJECT ANYTHING THAT WOULD CAUSE OVERDRAFTS YET I HAVE A {$34.00} NSF FEE DATED XX/XX/2019 FROM A XXXX XXXX. I WANT THIS REFUNDED IMMEDIATELY AS I WAS NOT NOTIFIED BY YOUR OFFICE THAT THE FUNDS WERE NOT THERE AND MY BANK SHOULD HAVE BLOCKED THE CHARGE IF THE FUNDS WERE NOT COVERED. IF THIS IS NOT REFUNDED I WILL TAKE OTHER ACTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
LVNV Funding is a debt collection reporting on my credit. I disputed this information because the debt does not belong to me. Company has failed to validate debt. I attempted to call the company multiple times at the number XXXX and they are asking for personal information saying I won a gift.It appears to be a scam and they are reporting on my credit reports. They original creditor was contacted two years ago and informed that this account was opened fraudulently and was a result of identity theft. They closed the account and had me sign an affidavit attesting to that. Now this a collection has been showing on my credit reports in which I have disputed several times and well as sent debt validation letters to the company and credit bureaus with no response. They identity theft is noted on all of my credit bureau accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
My identity was compromised between XXXX ant XXXX. During this time several inquiries were made on my Transunion report. I demand that these items be removed immediately. 

XXXX XXXX. XXXX XXXX XXXX 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
Consumer complaint received 2019-04-30 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:
Equifax and XXXX are reporting incorrectly that I am 30 90 days past due on the XXXX XXXX XXXX and XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference page 2 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 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: KY

Complaint narrative:
Account was paid in full by XXXX XXXX. Vehicle was totaled in accident. I also received a refund from over payment from 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
Consumer complaint received 2019-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX  and Transunion are reporting incorrectly that I am 30 90 days past due on the XXXX XXXX XXXX and XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference page 2 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-04-30 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: ECMC GROUP, INC.
State: UT

Complaint narrative:
A woman named XXXX XXXX from XXXX ( ECMC ) is calling my ex-husband 4 times a day at his federal government office of employment. She will not stop calling. She will not call my attorney ( about an account that has nothing to do with him ). Both my attorney and myself have called her and XXXX will not acknowledge that I have an attorney. We spent years filling out " attorney '' forms with ECMC and they would just lose them. Please make her call my attorney. Her phone number is XXXX ext XXXX. My attorney is 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
Consumer complaint received 2019-04-30 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:
I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX 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 non-monetary relief
Consumer complaint received 2019-04-30 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 ITEMS DOES NOT BELONG TO ME. THOSE ACCOUNTS WERE INACCURATELY PLACED IN MY CREDIT FILE WITHOUT MY KNOWLEDGE. PLEASE INVESTIGATE THE ACCOUNTS AND HAVE IT REMOVE OFF MY 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 non-monetary relief
Consumer complaint received 2019-04-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
My identity was compromised between XXXX and XXXX. During this time several inquiries were made on my Transunion report. I demand that these items be removed immediately. 
XXXX XXXX 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