vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
It shows on my credit report that on XX/XX/2019 a amount of {$710.00} is owed to ABILITY RECOVERY SERVI ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) .. I have reach out to the creditor multiple times asking them to remove the account out of my name because it doesn't belong to me ... the name that's on the account isn't even my full name.. I disputed it and even went and got a police report due to fraud.. and the creditor is still stating there is nothing that they can do because the account is sold to someone else ... It appears on my XXXX  and XXXX  Report. The debt was once removed and now its appearing back on my credit.

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 2019-11-13 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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I found out in XXXX that my Khol 's charge card was delinquent. After investigating further my wife noticed that on XX/XX/XXXX a payment of {$70.00} was paid through our XXXX  XXXX XXXX online banking checking account but, was posted to the wrong account. This resulted in Khols not receiving payment and negatively reporting to the credit bureaus that In XX/XX/2019 I was 30 days late. After contacting XXXX  XXXX XXXX they quickly figured out that the payment had posted to the wrong account and never got posted to my Khols charge. They stated it was a glitch in Their system. They mailed a letter stating this and asking that any negative reporting be removed by Khols on my credit report. I contacted Khols and was told to submit all documentation to the Cooperate office and that was the only way to reach the Cooperate office. I also did a XXXX search and emailed 3 people whos names appeared at the Cooperate office of Khols. I also disputed this twice with all three credit bureaus. Most recently XXXX  thought I was disputing XXXX  XXXX  XXXX and unnecessarily opened a dispute up for them as well as Khols. I spoke with them today XX/XX/2019. They also told me that there were two disputes for Khols and that Khols deleted an old account as a result of the dispute. This account was never late and closed for over a year. It had nothing to do with my dispute on my account ending in XXXX. I also received notification from XXXX. They didnt dispute Khols but, put in a dispute for XXXX  XXXX XXXX again, this was well documented and not a dispute with XXXX XXXX XXXX. This is the only negative mark on my credit report. Khols stil has me reported as 30 days late for XXXX and still has my last payment listed as XXXX when in fact I paid off this account in XXXX after finding out I was delinquent. I want Khols to update all three credit reports to reflect that I was not 30 days delinquent in XX/XX/2019. Khols removed an old account off of my credit report that was not the one in dispute or reported as negative. XXXX  XXXX XXXX is my checking account that all bills are paid from online. They had computer glitches and offered a letter to Khols explaining that a payment on XX/XX/2019 had been paid of {$70.00} but did not get posted to the right account. Please see documentation attached. Also, XXXX  and XXXX  made mistakes with my dispute by opening up disputes with XXXX XXXX XXXX. Causing the dispute to be prolonged and an unnecessary dispute to be put on my credit report. The more time as gone by the more it is affecting my credit. 
Thank You for you help with this matter! 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
EXPERIAN continues to report invalid data on credit report in reference to XXXX Loans. There are the following invalid error late payments being reported. Please remove the following invalid late pays XX/XX/2014 120 day late, XX/XX/2014 120 day late, XX/XX/2014 120 day late, XX/XX/2014 90 day late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Strategic Alliances, Inc.
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX I have requested several times to REMOVE my credit freeze from my file. I am looking to buy a car and they can't pull my file because of the freeze/block/Fraud alert on my file please remove it at once!! My SS XXXX DOB XXXX. I have attached my bank SS Card and DL for proof of ID

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 2019-11-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
XX/XX/XXXX i purchase Make Money program i thought it was great deal.Transaction went through both Paypal/Clickbank my instution DECLINE Transaction # {$17.00} and last 4-digits # XXXX and Transaction # XXXX was {$4.00} + {$0.00} tax = {$5.00} last 4-digits # XXXX But XXXX XXXX he set me up in XXXX XXXX  Ceo XXXX XXXX XXXX gave me Link for XXXX .So since XXXX XXXX Decline i went to XXXX purchase gift Card for {$50.00} went back in purchase Transaction # XXXX {$29.00} + Tax {$2.00} = {$32.00} from Visa last 4-digits # XXXX and Cash Juice link i Paid Upgrade for many different items was Bundle Deal XXXX {$4.00} + {$0.00} tax = {$5.00} and XXXX XXXX Suppose gave me XXXX Free Points i only got XXXX. i only used on XX/XX/XXXX between 8900- 9100, and Next Day they was completly all gone .Tried contacting XXXX XXXX No Luck , XXXX Ad Bar owner XXXX XXXX No infomation.They gave me Link for my website : XXXX_MakeXXXX but as i research it goes to redirect link opens different window.That same Day XXXX ran Decline payment from XX/XX/XXXX for XX/XX/XXXX {$4.00} Unauthoriza went through XXXX. and XXXX on XX/XX/XXXX {$5.00} Unauthorize went out of our account XX/XX/XXXX Then XXXX put {$5.00} back in out account, But on XX/XX/XXXX XXXX Unauthorize took {$5.00} out. Unauthorize.Paypal refuse me again to OPEN up Dispute i try today and yesterday they suppose to protect me but dont there thefts too.XXXX had No reason to debit my account, and my Credit card infomation supposed Not be on file.I never agreed for the to keeep on file only paypal.Transaction unauthorize..I want Refund for fraudulent transaction fees and i still keep my cashjuice account open, But XXXX XXXX said i make {$1000.00}. aweek not made anything .So i made couple day ago ftc.org complaint on everyone.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: GREAT LAKES
State: WI

Complaint narrative:
I noticed that my credit reported on XX/XX/2014 - XX/XX/2014 for my XXXX/XXXX  account of a total of XXXX. I want you to know that I understand my financial obligations, and if it werent for a job lost during the year of 2014, Id have an excellent repayment record. I made a mistake in falling behind, but since then, I have taken control of my finances and now that I have established a great understanding of being financial literate circumstances have changed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I have had a problem with Equifax in the past where my credit report has split into two because the file is too large. I am very concerned that this has happened again because there are large chunks of information missing from my credit report. If the file is too large they can remove the duplicate accounts I have told them numerous times are duplicates. Also, I see that there is a block on my credit report so I can't receive promotional offers. I never authorized this and want it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/2019, the plaintiff ( XXXX XXXX XXXX XXXX  ), voluntary dismissed the writ of garnishment Order. See attached herein. I contacted the garnishee ( JPMorgan Chase ), and provided the same. Chase is currently holding the amount of {$400.00} and are refusing to release. The dismissal of the garnishment is clear and in plain legal language. See paragraph 2 ) " Garnishee is directed to release any and all funds withheld to the Defendant or to the Defendant 's account and/or release any and all holds on any and all safe deposit box '' The dismissal of the writ was provided to Chase legal counsel on XX/XX/2019, yet Mr. XXXX XXXX failed to abide by the Order. See certificate of Service, the document was served via email.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX I have requested several times to REMOVE my credit freeze from my file. I am looking to buy a car and they can't pull my file because of the freeze/block/Fraud alert on my file please remove it at once!! My SS XXXX DOB XXXX. I have attached my bank SS Card and DL for proof of ID

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: TX

Complaint narrative:
Within the last week I contacted ERC to pay the my debt and ask for a letter of deletion. I was told that they were not able to give me a letter and to contact XXXX XXXX XXXX. I contacted XXXX XXXX XXXX and spoke to a man to pay my debt and he said he would be able to give me a letter of deletion so I paid the debt and after that I was transferred to another person. They said I would be able to get a letter from an XXXX XXXX XXXX store, so I went there and was told Im not able to get a letter. So I called back to XXXX XXXX XXXX and was told I need to contact ERC, because they sold the debt to them and XXXX XXXX XXXX does not deal with creditors. So I called ERC back and they told be XXXX XXXX XXXX should send me a letter since I paid them, and ERC will only give me a statement saying my debt was paid. Called XXXX XXXX XXXX and asked to speak with a supervisor and was told they do not have a direct line to a supervisor and could not give me a phone number to call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 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: NY

Complaint narrative:
upon viewing my credit report I have come across several discrepancies reflecting accounts that were opened fraudulently

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 2019-11-13 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: NY

Complaint narrative:
upon viewing my credit report I have come across several discrepancies reflecting accounts that were opened fraudulently

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One 's representative XXXX, employee ID XXXX confirmed today that at the management ( supervisor ) level, they were refusing to do anything to get my Walmart credit card application processed. I submitted my application 10 days ago now and they say it is in " pending '' status but refuse to tell me what is needed from me to verify information. They said 7-10 business days but, from what I understand from all representatives I've spoken with, nobody has even looked at the application ( meaning it is likely stuck somewhere ), and now that we are 10 calendar days out it seems impossible that they will get back to me in the timeframe quoted, yet XXXX confirmed nobody is going to do anything. Capital One has a responsibility to process applications. To date, I now have four inquiries on my credit reports from this one card. One inquiry is enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The following hard inquiries listed below were not authorized by me and were observed on my credit report on XX/XX/2019. I am requesting for the hard inquiries to be deleted from my credit file. XXXX and XXXX was also informed and have deleted these unauthorized and fraudulent inquiries. My information was possibly used to try and obtain good. 1 ) XXXX XXXX XXXX XX/XX/2019, 2 ) XXXX XXXX XXXX XXXX XX/XX/XXXX9 and XXXX XXXX XXXX- XX/XX/2019.

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 2019-11-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
Portfolio Recovery continues to not follow the laws of the FCRA and tries to collect debt from me they can not validate or verify. I am now owed {$1000.00} per report to each credit bureau under the FCRA. I have proved to XXXX and all bureaus that XXXX and XXXX can not proved an original contract, physical signature, recording by phone or video of me asking for a line of credit. The accounts have been removed from all bureaus. Portfolio Recovery continues to inform me they have a right to collect a debt they bought but 1 ) fail to report to me how much the bought the debt for ; pennies on the dollar, 2 ) continue to send me statements as proof of the account ; under the FCRA this is not proof that I ever owned an account with either company, 3 ) Letters from the company stating they sold the debt but were never able to validate the account  was every mine! Therefore, Portfolio Recovery is ILLEGALLY trying to collect an unvalidated/unverified debt they bought from a collector. Again, statements are not proof of an account under the FCRA. 

Portfolio and I do not have a contract, they do not have my physical signature asking for a line of credit with them, nor do they have video or phone surveillance of me every asking for a line of credit with them. 

I do not owe this money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: WV

Complaint narrative:
Co paid XXXX in tax to office in my town in which they never recieved. Money was taking on XX/XX/XXXX. I had to pay in order to close on the sale of my house on XX/XX/XXXX. Money was taken from my escrow account that came out of my monthly mortgage payments. 
The money taken from my escrow has not been refunded. I have called every week 2x per week for 4 months and spoken to numerous managers requesting the refund owed. I had company send me documentation that money was taken from escrow on XX/XX/XXXX but refund was never put back into my escrow and i have documentation from my tax office stating loan care called them 5 times to verify that I paid funds for taxes and that they never received the check that loan care said they supposedly sent. Loan Care put a stop payment on check back in XXXX and still has not refunded the money to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 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: NY

Complaint narrative:
I STARTED OFF ATTACK THESE INCONSISTENT ACCOUNTS IN XX/XX/XXXX A FEW CAME OFF BUT MANY REMAINED AND I FIND THAT INCONSISTENT WITH THE REPUTATION OF THE 3 MAIN  CREDIT BUREAUS ( TRANSUNION, XXXX, XXXX ) TO REPORT INFORMATION ON MY CREDIT REPORT THAT IS ACCURATE CONSISTENT AND VERIFIABLE HOWEVER MY CREDIT SCORE IS SUFFERING BECAUSE THEIR ARE MULTIPLE ACCOUNTS THAT IS PASSED MY STATES STATUE OF LIMITATIONS ON WRITTEN CONTRACTS.

WHICH MEANS NOT ONLY ARE THESE NEGATIVE ACCOUNTS INACCURATE BECAUSE THE WAY THEY ARE REPORTING BUT THEY ARE INACCURATE FOR EVEN BEING REPORTED AT ALL.

NEW YORK LAWS GOVERN THAT THE STATUE OF LIMITATIONS ON WRITTEN CONTRACTS IS SIX YEARS YET I HAVE PROOF THAT THE CREDIT BUREAUS ALLOWS THESE CREDITORS AND COLLECTION AGENCIES TO CONTINUE TO REPORT INACCURATE AND UNLAWFUL INFO ON MY CREDIT REPORT WHICH IS INDEED A VIOLATION OF THE FAIR CREDIT REPORTING ACT. 



Credit bureaus, if they refuse to correct information after being provided proof of inaccuracy FCRA Section 623 CUSHMAN, v. TRANS UNION CORPORATION US Court of Appeals for the Third Circuit Court Case 115 F.3d 220 June 9, 1997, Filed ( D.C. No. 95-cv- 01743 ).

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 2019-11-13 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: NY

Complaint narrative:
I STARTED OFF ATTACK THESE INCONSISTENT ACCOUNTS IN XX/XX/XXXX A FEW CAME OFF BUT MANY REMAINED AND I FIND THAT INCONSISTENT WITH THE REPUTATION OF THE 3 MAIN CREDIT BUREAUS ( XXXX, EXPERIAN, XXXX ) TO REPORT INFORMATION ON MY CREDIT REPORT THAT IS ACCURATE CONSISTENT AND VERIFIABLE HOWEVER MY CREDIT SCORE IS SUFFERING BECAUSE THEIR ARE MULTIPLE ACCOUNTS THAT IS PASSED MY STATES STATUE OF LIMITATIONS ON WRITTEN CONTRACTS. 

WHICH MEANS NOT ONLY ARE THESE NEGATIVE ACCOUNTS INACCURATE BECAUSE THE WAY THEY ARE REPORTING BUT THEY ARE INACCURATE FOR EVEN BEING REPORTED AT ALL. 

NEW YORK LAWS GOVERN THAT THE STATUE OF LIMITATIONS ON WRITTEN CONTRACTS IS SIX YEARS YET I HAVE PROOF THAT THE CREDIT BUREAUS ALLOWS THESE CREDITORS AND COLLECTION AGENCIES TO CONTINUE TO REPORT INACCURATE AND UNLAWFUL INFO ON MY CREDIT REPORT WHICH IS INDEED A VIOLATION OF THE FAIR CREDIT REPORTING ACT. 



Credit bureaus, if they refuse to correct information after being provided proof of inaccuracy FCRA Section 623 CUSHMAN, v. TRANS UNION CORPORATION US Court of Appeals for the Third Circuit Court Case 115  F.3d 220 June 9, 1997, Filed ( D.C. No. 95-cv- 01743 ).

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 2019-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The hard inquiries that were authorized by me with my consent are XXXX XXXX XXXX XX/XX/2019 and XXXX  XXXX XX/XX/XXXX and XX/XX/2019. All other hard inquiries were observed on my credit report recently and was not authorized by me and without my consent. These inquiries are listed below. 1 ) XXXX- XX/XX/2019, XXXX  XXXXXX/XX/2019, XXXX- XXXX XXXX, 2019, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX 2019. Also see a previous consumer dispute sent on XX/XX/2019 in reference to XXXX XXXX technical issue that was pulled my credit report back to back many times after one credit application. Which they admitted to the issue and tried to resolve it. The hard inquiries still havent be removed associated with it. All 7 hard inquiries were done without my consent and was reported to thier security department and fraud team. The only hard inquiry that was authorized by me from XXXX XXXX was done on XXXX XXXX, 2019. All other inquiries were not authorized and their was a glitch and security issue that created multiple credit pulls which resulted in back to back credit pulls from this company. Several tickets were sent for the error to be fixed and the account was notated by several managers.

Company response to consumer: Closed with explanation