vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-01 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I've been going back and forth with this company about a inacurate bankruptcy being reported on my credit report in which they lied and said they verified it trough XXXX XXXX Thats not true because i reached out to XXXX XXXX and its not reporting on my report i also reached out to the court and they said they dont report such information

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 2021-11-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: KY

Complaint narrative:
Paypal sent {$120.00} ( {$120.00} ) with fees to XXXX XXXX. Which was a unauthorized transaction. I tried to ask XXXX for it back. She said she never received. Then paypal denied my request

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Around XX/XX/2020 i was shopping for the best rates for my car loan and as a result my credit reports have been hit multiple times within the given 14 day period. I thought the rule stated I woukd only be assessed one point? This bank hit my credit twice on separate occassions the same week.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Kikoff Inc.
State: KY

Complaint narrative:
I utilized Kikoff.com because they advertised they could improve credit by making small {$1.00} ( virtual currency ) payments that are paid automatically. They reported payments late to my credit report therefore damaging it. They claim auto was never set up. WHICH IS A LIE!!!! I reached out to them on XX/XX/XXXX asking them to correct the matter. They have refused. Their marketing and way of operating is quite confusing and misleading and their website is glitchy and not user friendly. The payments are supposed to be made automatically. This service is just another example of a predatory lender designed to prey upon the subprime market. They will not own up to their website possibly having issues that caused this unfortunate situation Im astonished and just wonder we keep letting companies like these harm us! I remained consistent and I was ignored eventually. What an insult!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Dear Sir or Madam : PLEASE ADD MY # Telephone : ( XXXX ) XXXX TO MY CREDIT FILE THANKS!!! 

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

1. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, NC XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX TENTH XXXX, NC XXXX 3. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. Identity Theft CAPITALONE Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. CAPITAL ONE Account Number : XXXX Please remove it from my credit report. 

9. XXXX XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

10. XXXX Account Number : XXXX Please remove it from my credit report. 

11. Account Number : XXXX Please remove it from my credit report. 

12. Account Number : XXXX Please remove it from my credit report. 

13. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, NC XXXX I appreciate your prompt attention to this matter, and await your reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
Dear Sir or Madam : PLEASE ADD MY # Telephone : ( XXXX ) XXXX TO MY CREDIT FILE THANKS!!! 

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

1. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, NC XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX NC XXXX 3. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. Identity Theft SECU Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

9. STATE EMPLOYEES CRED U Account Number : XXXX Please remove this inaccurate information from my credit report. 

10. XXXX  Account Number : XXXX Please remove it from my credit report. 

11. Account Number : XXXX Please remove it from my credit report. 

12. Account Number : XXXX Please remove it from my credit report. 

13. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, NC XXXX I appreciate your prompt attention to this matter, and await your reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
Upon reviewing my credit report after receiving an alert. MIDLAND FUNDING placed three ( 3 ) collection accounts on my credit report. MIDLAND FUNDING violated 15 USC 1692g and Fair Debt Collection Act section 809 ( a ) ( b ) by not giving me the right to dispute or request validation. I NEVER received any communication regarding this alleged debt. Not only did MIDLAND FUNDING violated my rights, MIDLAND FUNDING also violated 15 USC 1692e by reporting illegal debt that is not within the of the Statue of Limitation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I work for this XXXX, I made calls and was given to debt collector. Very rude and continued to give different people to call for an itemized statement of original bill. I have no knowledge of what this bill is, where it came from, or why I would this debt .... I requested that information on my original dispute. I was not provided that information only what the debt collection bill says EXPERIAN IS THE AGENCY AND I HAVE AN ACCT WITH THEM THAT I PAY FOR ... .. doesnt look like they are trying to truly provide me an investigation.

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 2021-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
1. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, DC XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX 3. CAPITAL ONE Account Number : XXXX Please remove it from my credit report. 

4. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. XXXX Account Number : XXXX Please remove it from my credit report. 

6. XXXX Account Number : XXXX Please remove it from my credit report. 

7. XXXX Account Number : XXXX Please remove it from my credit report. 

8. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


I appreciate your prompt attention to this matter, and await your reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
Upon reviewing my credit report after receiving an alert. PORTFOLIO RECOVERY placed three ( 3 ) collection accounts on my credit report. PORTFOLIO RECOVERY violated 15 USC 1692g and Fair Debt Collection Act section 809 ( a ) ( b ) by not giving me the right to dispute or request validation. I NEVER received any communication regarding this alleged debt. Not only did PORTFOLIO RECOVERY violated my rights, PORTFOLIO RECOVERY also violated 15 USC 1692e by reporting illegal debt that is not within the of the Statue of Limitation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SUNRISE CREDIT SERVICES, INC
State: DC

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
1. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, DC XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX 3. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. XXXX Account Number : XXXX Please remove it from my credit report. 

6. XXXX Account Number : XXXX Please remove it from my credit report. 

7. XXXX Account Number : XXXX Please remove it from my credit report. 

8. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


I appreciate your prompt attention to this matter, and await your reply.

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 2021-11-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
Capital One, XXXX did not contact me until my card had already been maxed out and then I tried to tell them my identity had been stolen and they never did verify the debt. I just wish some one would have let me know that this was happening before it got to be such a huge issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I work for this XXXX, I made calls and was given to debt collector. Very rude and continued to give different people to call for an itemized statement of original bill. I have no knowledge of what this bill is, where it came from, or why I would this debt .... I requested that information on my original dispute. I was not provided that information only what the debt collection bill says XXXX IS THE AGENCY AND I HAVE AN ACCT WITH THEM THAT I PAY FOR ... .. doesnt look like they are trying to truly provide me an investigation.

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 2021-11-01 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
My Name is XXXX XXXX - address is XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX. email address is XXXX. 

My mom recently died on XX/XX/XXXX, XXXXand we are in the process of trying to sell her home. My mom lived with my sister at her home for the last 3 years which is XXXX XXXX XXXX- XXXX, Michigan XXXX. 

My parents had taken an equity line out back in XX/XX/2010 and since that time the XXXX XXXX sold to Chemical Bank and then sold to TCF Bank and Huntington Bank just brought TCF Bank. 

Huntington Bank is giving us a payoff of {$14000.00} but refuses to state to the title company XXXX XXXX XXXX in XXXX, Michigan that this will take the lien off for the property located at XXXX XXXX XXXX XXXX, Michigan. This is causing a problem with the closing on the property. We need help with trying to get this bank release the lien. I have attached the documents pertaining to this Equity Line. 

Thank you in advance for trying to help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
On XX/XX/2021 I noticed that XXXX XXXX ( they finance my vehicle ) took a payment out twice. I notified Bank of America, they told me there was nothing they could do. My account clearly went negative due to this. No one has done anything for me. Ive been dealing with this ordeal since then and I need help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AG AH LLC
State: FL

Complaint narrative:
I contacted my mortgage loan servicer multiple times to inquire about dropping my PMI. 
I sent 2 messages through the website with no response or confirmation that my messages were received. 
I called on XX/XX/21 and spoke to someone on the phone. She let me know she would initiate a request and I would be contacted by someone with details on the process. The next day, XX/XX/21 I received a Borrower-Initiated MI Termination Evaluation Results letter. The letter stated that my LTV is 93.18 %. I emailed back and asked where the LTV percentage comes from. I wanted to know what figures were used to calculate this percentage. I sent another email on XX/XX/21 and XX/XX/21 requesting a response because I had still not received one. I then called on XX/XX/21 and spent 55 minutes on the phone with a representative and then a supervisor. The representative told me the LTV was calculated by taking my original loan amount divided by my unpaid balance. Then she told me it was calculated by taking my original loan amount divided by the value of my home. I stated that the letter I received stated the value of my home had gone up and the calculation was inaccurate. She then transferred me to a supervisor. The supervisor stated that my LTV was calculated my my original loan amount divided by my home 's current value. When I asked him to look at the letter I was sent so we could go over the amounts together he stated he does not have the letter. I asked him if I could speak to someone that did since the woman that transferred me did have the letter. He said I couldn't speak to someone else. He asked me to send them back the letter that they sent me so someone could review it and call me back. I emailed the letter back to the company on the same day. On XXXX sent a more detailed email of what information I was looking for. No response. I sent another email requesting a response on XX/XX/21. No response. I just want someone to review the PMI letter with me. If my LTV is, in fact, calculated by my original loan amount divided by my home value, the percentage is not correct based on the home value ( AVM ) listed in the letter sent to me by the servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: LDF Holdings, LLC
State: OH

Complaint narrative:
I have attempted to login multiple times on the site, only for the page to reload the login with no error of invalid data. I've called customer service on 3 occasions ( XX/XX/2021, XX/XX/2021, XX/XX/2021 ) for no one to ever answer. A prompt comes on after 15 minutes and states a representative will call back to the number calling from, but no one ever calls. I've tried to stop payment through my bank, but they've stated the lender can only stop the reoccurring payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 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/2021 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 AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 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: OH

Complaint narrative:
ON XX/XX/2021 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 AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.

Company response to consumer: Closed with explanation