vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
Hi, I was actually talking to a representative from Portfolio Recovery Associates  and they mentioned that as long I pay the collection account, they will report and demand the credit bureaus remove the entire tradeline from my file. They actually direct me to their website to look under FQA section where I screenshot and copy below.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
I had received a letter from XXXX  XXXX  XXXX  regarding a credit/ debit bank account that was supposedly opened under my previous name XXXX XXXX XXXX from a bank in Nevada which I in fact NEVER had opened. I called the bank explaining the collection letter I received, they had searched high and low using my social security number my married name and my maiden name all which could not be found anywhere in their system..what I was told was to contact the fraud.gov and explain my situation and how these letters are trying to impersonate a company by saying they had an account when In Fact no such account has been opened and they are asking for the customers to repay the banks back giving discounts if we could pay back the money by a certain date.. I have not not will I pay anything to these scammers

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: KY

Complaint narrative:
Jefferson Capital System account number XXXX states that I owe {$8000.00}. I disputed this online through XXXX, XXXX, and XXXX. I received no validation information from them of the accuracy of this account that it belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 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: CA

Complaint narrative:
I have disputed these same accounts last month. These accounts are not mine. Please remove them. I am not a credit repair company nor a mortgage company.

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 2020-12-23 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I currently have two student loans with Sallie Mae i graduated in XX/XX/19. I am working with XXXX XXXX to help me fix my credit. In XXXX my credit scored was XXXX. I am first generation American single mother of two. I went to college to end my cycle of poverty. I fell behind on my student loan payments. i was effected by the pandemic and other life factors. I called sallie mae and informed them that I sent a notice from XXXX XXXX informing them about my financial hardship. I am trying to purchase a cheap condo to no longer pay rent and obtain an asset for my children and myself. Sallie Mae sent negative reports to the credit bureau and my score dropped over 100 point back to poor. when i called to follow up on the notice i sent, i was told they did not receive it. Why is sallie mae reporting late payments to the credit bureau when the country in the middle of a financial crisis?. I plan on paying my student loans. i will be getting evicted from my apartment soon. I need my credit score to move. Now i will have to go into a shelter until my credit improves. They should not be reporting late payments to the credit bureaus during these times. listen i am not here to get pity or sympathy, my story is my story. My ex boyfriend hit me and stole rent money from me and i also lost my job. I have worked and studied hard and sacrificed alot to empower myself, and sallie mae just crushed a goal/dream of mine. this is emotionally distressing and extremely reckless and unreasonable on sallie mae 's behalf. please help me rectify this. i know i am not alone

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NJ LENDERS CORP
State: NJ

Complaint narrative:
Please take a look at the attachment. At this point NJ Lenders has no record of paying XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX  has no record of being paid. 
I am not looking for the document that is title Mortgage and " Stamped Cancelled of Record '' that has no proof of satisfaction, no proof of lien release and no discharge recorded. 

I NEED TO KNOW IF XXXX XXXX XXXX XXXX WAS PAID. 
THE NJ LENDERS DOCUMENT NOTE CONTAINS THE LANGUAGE " IN RETURN FOR A LOAN I RECEIVED I PROMISE TO PAY U.S. {$130000.00} '' PLEASE ANSWER THE QUESTION : ARE YOU SAYING THAT I WAS PAID {$130000.00}? 
I NEVER RECEIVED THE NJ LENDERS CHECK AND WAS NOT PAID THE MONEY. 
1 ) DID NJ LENDERS PAY XXXX XXXX XXXX XXXX? 
2 ) DID NJ LENDERS PAY XXXX XXXX? 
3 ) WAS ANYONE PAID? 
ITS IS VERY IMPORT THAT WE GET THIS MATTER RESOLVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 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: MI

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 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: MI

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies.

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 2020-12-23 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: CA

Complaint narrative:
These are not my accounts. This is a second request. Please remove them. I am not a credit repair company nor am I a mortgage company.

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 2020-12-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I had 2 credit cards in my name from Capitol One due to identity theft. They erased one and said that it matched the fraud I reported. The other card they are refusing to delete because they state the address and information used to obtain the card is correct. The credit cards both had the same address and information used to open the cards so how can one be fraud and one not be? I have argued with them for a year and they will not fix this issue so I will be going to every length I can to have them fix this. The credit card in question has a balance of XXXX dollars and was opened XXXX both I do not have the information to the fraudulent card they cancelled but they were both opened around the same time using my same information and either of them are mine. They refuse to delete this one and it is wrongfully effecting my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 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: CA

Complaint narrative:
These are not my accounts. This is a second request. Please remove them. I am not a credit repair company nor am I a mortgage company.

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 2020-12-23 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:
These are not my accounts. This is a second request. Please remove them. I am not a credit repair company nor am I a mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 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: GA

Complaint narrative:
I have sent in several letters to transunion, XXXX, and XXXX  to verify bankruptices that are on my credit report and to show proof of verifcation and how exactly did they verify it. They refuse to show how they verified the bankruptcies to prove that they are mine. As a result it is affecting my credit score and causing damage to my reputation. I also sent in a letter from the courthouse to each bureau which states they do not release any information to third party companies.They still refuse to show how they verified the bankruptcies that are reporting to my credit report and damaging my reputation. This is willing negligence on their behalf and a violation of the FCRA. If they can't show proof of how they verified the bankruptcies are mine they should remove them immediatly as I have told them at least 3 times already.

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 2020-12-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: OneMain Finance Corporation
State: PA

Complaint narrative:
This is not my account I have contacted them multiple times

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: AL

Complaint narrative:
They could authenticate me with my real address because they have an address supposedly thats mine will not let you talk to someone in USA and a supervisor is never around said they called and couldnt leave a message which is a lie they have XXXX XXXX XXXX XXXX  as and address which I have a state issue Id that says otherwise

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 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: CA

Complaint narrative:
These are not my accounts. This is a second request. Please remove them. I am not a credit repair company nor a mortgage company.

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 2020-12-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kohn Law Firm S.C.
State: IL

Complaint narrative:
Kohn Law firm acting as an agent for XXXX XXXX hasnt 2 collection files both with agreements to pay {$100.00} per file each month which went in effect XX/XX/XXXX & XX/XX/XXXX. 

The payments have been made online via the collection website. In XX/XX/XXXX the bank account number was transposed and the check was returned. I explained that it was an error and resubmitted immediately. Unfortunately the same thing happened with the XX/XX/XXXX payment. I was contacted by the XXXX XXXX XX/XX/XXXX regarding the returned item. I explained that I double checked and that I would resubmit the payment later that night. He informed me that they would ONLY accept certified funds from me because of the return checks. I explained that that would be a hardship because now I have to pay additional funds to get the funds to pay AND with the US postal system being back logged the payment most likely would not make it in a timely manner and this would result in them harassing me for something I have no control over. I informed Mr. XXXX that if they wanted the funds certified then dont call me when the payment is late. Again the backlog of the XXXX has been in the media for months. I requested to speak to a manager & was transferred to XXXX XXXX who basically said the same them. I explained that Im not trying to run off, I owe the debt and want to make the payments. His said he would forward to the attorneys for the review and then hung up. 

Every demand I have submitted to, again I know I owe the debt and HAVE been making payments and WANT TO CONTINUE to make payments without undue hardship, burden or exposure.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). plainly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2020-12-23 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). plainly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 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: CA

Complaint narrative:
There is a name on my credit report of XXXX  XXXX. I donot recoginize that name or ever used it. 

2. Experian web site is broken, they force us to go to your site for help. 

3. XXXX XXXX  dealer services should say ok on the payments. The other two credit reporting agencies has corrected this, but Expeirian wants to be hard nosed and not correct it.

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 2020-12-23 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: PNC Bank N.A.
State: NC

Complaint narrative:
my brother stole my credit card, i own a fence business and had my brother working for me, well i guess he would get my card use it then put it back and kept doing this for i dont know how long, i only get my bank statements every 3 months so when my secretary was going over them she noticed all these that she knew i wouldnt never use she ask me and i went to my bank PNC in XXXX NC so i told them what happened she told me she would dispute them well a few days later i call she tells me they deny it. I call customer service to PNC and the woman there told me she must not have wanted to do her job, was very nice and we disputed them again, along with the mugshot of my brother in XXXX XXXX XXXX  and along with a police report, my brother also stole my company truck and some tools, so again i waited a few days called back they denied it again. I know for a fact that i did not authorize or do these transactions that i have disputed and i need my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On my Bank of America EDD debit card, there where two fraudulent withdrawals on XX/XX/XXXX from an ATM for {$420.00} and XX/XX/XXXX for {$980.00} from and atm as well. On XX/XX/XXXX I made contact with b of a regarding the fraud, after getting a automatically generated letter disregarding my claim, I made contact on XXXX once again with Bank of America to re open my claim. The bank claimed they would send a letter regarding what is happening and reimburse me. It is now XX/XX/XXXX and no more correspondence currently.

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 2020-12-23 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
I was illegally served Wages garnishment They never contacted me about this

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-23 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown information on my credit report. Its been 40 days and I have not received a response yet. I feel like my disputes are being ignored and I'm being taken advantage of. In section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. I demand that these accounts be promptly deleted or I will file for litigation due to the stress you've caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 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:
These are not my accounts. This is a second request. Please remove them. I am not a credit repair company nor a mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Between XXXX and XXXX, I got myself in a bind and fell behind on my credit card payments with capital one. For the last 46 months, I have made 100 % of my payments on every account I own. Capital one agreed to remove the late payments once my account was in good standing. My limit has been increased multiple times. I recently sent a letter asking for the late payments to be removed on both capital one accounts. Due to my excellent payment history Im am asking for assistance in having the late payments removed from both accounts.

Company response to consumer: Closed with explanation