vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-18 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX XX/XX/XXXX Capital One Financial Corp Re : Fraudulent XXXX Charges XX/XX/XXXX Capital One employee XXXX ID XXXX did her best to assist me today in rectifying this situation but was unable to do so. I am reaching out to you with the facts to get help. 

1. I requested a replacement card online because mine was misplaced. 
2. On XX/XX/XXXX I received a text asking if I was at that moment charging items on my Venture One card at XXXX XXXX & I replied NO. 
3. I then called customer service & told them I had NOT received the replacement card that was being used and I NEVER shop at XXXX. 

4. I was told they would investigate the charges and I asked if the charges were done at a local XXXX because I was concerned that the missing card had been removed from my mailbox. They responded that Fraud investigation would get that information. They also said they would send a replacement card. 

6. I then received a replacement card which surprisingly was ALREADY ACTIVATED and required no security call at all. 
7. I now have received a letter from Customer Fraud Protection saying that there are no indications of fraud because the person had the card. Obviously the person using the card stole it from my mailbox or it never even got into the mail. Please investigate further - I am NOT responsible for these charges which have now been put on my replacement card. 

There is serious fraud in this instance and I am upset and also angry on how this situation has unfolded. I have been a customer for a long time and am highly disappointed in how this is being handled.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: IL

Complaint narrative:
XXXX employed XXXX XXXX XXXX to collect a debt from XX/XX/XXXX. We received a collection letter in XXXX of that year and replied that the debt was not ours. I researched the info and described why the debt was not ours and to requested them to cease all collection efforts on us. A few months later XXXX hired XXXX  XXXX to collect this same bogus debt. Again a cease and desist letter was sent to XXXX with an explanation. A letter was also sent to XXXX asking them to cease and desist in this harassment. Now in XX/XX/XXXX we received another collection letter. XXXX has apparently hired a third firm, AFNI, to collect this same bogus debt. A third letter is being sent to AFNI. 

This is the second complaint filed against XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 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: CO

Complaint narrative:
Equifax ; XXXX  and XXXX are reporting incorrectly a collection/charge-off in the amount of {$3800.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) XXXX XXXX no longer owns this account as it was sent to an attorney. This account needs to report a {$0.00} balance. Since the default Judgment was issued this account can no longer be reported to the credit bureaus and can only report to XXXX XXXX. This false reporting of a collection/charge-off is a violation of the Fair Credit Reporting Act and these line items need to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 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 — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XX/XX/2020 my XXXX  applied for a XXXX XXXX  Card issued by XXXX XXXX for me for {$1100.00}. The application was approved for {$1100.00}. I received the card which was maxed out with no available credit. XX/XX/2020, I received an alert from Experian which stated, " New Account XXXX/XXXX. '' Then on XX/XX/2020 I received another alert that said " Inquiry - XXXX. '' Another alert on XX/XX/2020 that said " XXXX Fico Score down 52 points. '' The last alert reads " Credit Rating decreased Fair. '' I have one negative item on my credit report. The 52-point decrease by Experian is excessive. It is twice the amount of XXXX  and XXXX XXXX. XXXX  decreased my score by -27 points and XXXX XXXX decreased my score by -22 points. My score was XXXX now it is XXXX. I believe Experian is participating in unethical behavior to get consumers to enroll in their Boost program in hopes of raising their Fico score. I have been inundated with ads and popups from Experian about their Boost program. I submit this complaint to have Experian investigated. How many consumers have had Experian drop their scores excessively and then enroll in the Boost program out of desperation? Why is Experian 's decrease in scoring twice the amount of the other bureaus?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX   XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX   XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX XXXX : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 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: CO

Complaint narrative:
XXXX  ; XXXX  and Transunion are reporting incorrectly a collection/charge-off in the amount of {$3800.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) XXXX XXXX no longer owns this account as it was sent to an attorney. This account needs to report a {$0.00} balance. Since the default Judgment was issued this account can no longer be reported to the credit bureaus and can only report to XXXX XXXX. This false reporting of a collection/charge-off is a violation of the Fair Credit Reporting Act and these line items need to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 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: CO

Complaint narrative:
XXXX  ; Experian and XXXX  are reporting incorrectly a collection/charge-off in the amount of {$3800.00} on the XXXX XXXXXXXX partial account number XXXX. ( Please see page attached from my credit report. ) XXXX XXXXXXXX no longer owns this account as it was sent to an attorney. This account needs to report a {$0.00} balance. Since the default Judgment was issued this account can no longer be reported to the credit bureaus and can only report to XXXX XXXX. This false reporting of a collection/charge-off is a violation of the Fair Credit Reporting Act and these line items need to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Finance of America Holdings LLC
State: GA

Complaint narrative:
I had closed refinancing my home loan on XX/XX/XXXX XXXX. As part of the closing I paid XXXX USD towards Prepaid for Homeowner 's Insurance Premium. 

This amount is neither paid to my Homeowner 's Insurance ( XXXX XXXX XXXX ) nor is it transferred to my existing Escrow account serviced by Load Care. 

In XX/XX/XXXX, The Homeowner 's Insurance Premium was paid from my current escrow account. 

I had raised this issue with my current escrow account service provider on XXXX, XXXX and I have not got any reply. 

I raised this issue with the Lender at the time of closing which is Finance of America Mortgage in XX/XX/XXXX. And they said its handled by the Title company ( XXXX XXXX XXXX ) I have raise this issue with XXXX XXXX XXXX and there is no reply. 

Prepaid amount of XXXX USD is missing

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I received a letter from capital one showing they have no record of an account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: OPORTUN FINANCIAL CORPORATION
State: TX

Complaint narrative:
After several loans I've payed off, since last loan of {$1000.00}, I was wrongfully evicted, Relocated 5 hours north in rural XXXX  tx!!! No way to make payment over phone due to lack off their call center personnel don't understand English!!!! Contact number I have in my cell rings in XXXX!!!!! After several attempts over phone and giving routing and checking info to do a draft? No body can answer my questions!!, Can't speak to English speaking personal to discuss possible options? And when payments that were made. I don't speak XXXX and didn't get this loan in XXXX, was in XXXX Texas!!!! And, I'm a XXXX XXXX  veteran who pays his bills, haven't I been through enough? if any investigation into this, my cell phone records will show when my problems started with Oportun, and issues didn't start with these XXXX until XX/XX/2019, when I moved into my new home!!!!! Thank you XXXX!! I've repeatedly tried to pay using my visa debit cards, they don't work with XXXX XXXX XXXX!!! Not my problem! Been with XXXX  over 10 years so. Do some Phone forensics you will see I've tried. I question the amount they say I owe! and I am questioning the employees they hire to answer there phones! in a outsourced sweat shop of a building abroad in the XXXX or XXXX, I know I pay my bills!!! I want this matter addressed or resolved, or wiped out!!! I can't get in touch with anyone who works for them in the United States ever!??? International Phone centers answering calls somewhere!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s )  below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 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: FL

Complaint narrative:
I am requesting to remove all accounts which I listed in Identity Theft which does not belong to me. All of them are paid in full and have {$0.00} balance and I have never opened them before. Some one used my personal information. Please remove all of them from credit bureaus because its going to destroy credit history. 
I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: MN

Complaint narrative:
I was contacted ( unsolicited ) by XXXX XXXX who claimed to be representing my mortgage loan servicer " Freedom Mortgage '' about refinancing at a much lower rate. I told him to send me information via email since I did not want to agree to anything over the phone. The email he sent from had a domain name XXXX, which does not appear to be affiliated with Freedom Mortgage. This appears to be an attempt to gather personal information. 

When I received the " documents '' to sign, I was asked to " login '' using only my State, First and Last name. No account setup at all nor was I directed to logon to " Freedom Mortgage 's web site. The person contacting me also did not have access to send me a message within the Freedom Mortgage site, which is a strong indication that it is a scam. 

Please post and share that cold calls for a refinance are nearly 100 % a scam and should not be entertained.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with accounts listed under National Credit Systems. I requested a validation on XX/XX/XXXX as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate these accounts as correctly belonging to me despite my credit report reflecting that the account is disputed and therefore a 2nd validation letter was sent out on this day. I do not believe the account belong to me nor do I believe that the creditor has authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the accounts belong to me and all information is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 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: UT

Complaint narrative:
Equifax ; XXXX and XXXX  are reporting incorrectly a repossession on the XXXX   XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I purchased a truck from a dealership and within a day, when the vehicle was running, large amounts of smoke was coming out of the tail pipe. I took it to the auto shop and they said that the engine would need to be replaced. The warranty that I purchased only covers half of the expense and my estimated out-of-pocket would be around {$5000.00} to {$6000.00}. I returned the vehicle back to the dealership within the time from for the vehicle to be under the Lemon Law. The dealership assured me that they would fix the vehicle. Shortly thereafter, the dealership told me that they had to trash the vehicle because they couldnt fix it. They offered to sell me another vehicle however, I was not going to purchase another vehicle because the one I did purchase I was assured would be fixed. I returned the vehicle within the time frame allowed. This line item is being coded as repossession and this coding is false. This account also needs to report a {$0.00} balance. This false reporting of a repossession is seriously harming my credit score and this line item needs to be either be removed or coded correctly. It is a violation of the Fair Credit Reporting Act to report inaccurate information. I have contacted the bureaus to remove this, but I have not been successful.

Company response to consumer: Closed with explanation