vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Velocity Portfolio Group
State: OH

Complaint narrative:
the collection company summonsed me to come to the court in XXXX  county court. and judge dismissed there claim and did charge the summon. the collection company still holding me hostage on this account in consumer credit reporting agency. i sent the copies of court decision to all three buraus but they are still keeping that account in my file. I want this to be removed from report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: AMERICAN HONDA FINANCE CORP
State: OH

Complaint narrative:
I moved from XXXX  to XXXX  and the State of XXXX  needs Honda to provide them information or transfer title to another state in order to register my vehicle in the new state. Honda hasn't responded and I'm unable to reach anyone at customer service. I've spent 30-40 hours on hold the last 3 weeks and no one ever answers. I've tried calling local dealers and they can't help. XXXX  law says my vehicle must be registered within 30 days by law and I'm not past this timeline and in violation of state law. I've tried faxing, mailing, and calling without any prevail. I need someone to help me, so I can register my vehicle in my new state of residency and be compliant with state laws. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-08 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: Exeter Finance, LLC.
State: NY

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/2020, EXETER FINANCE CORP add a hard inquiry on my credit report per XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Mercedes Benz Financial Services
State: FL

Complaint narrative:
I have been a with MERCEDES-BENZ FINANCIAL customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payments on the above referenced account ( XX/XX/XXXX, XX/XX/XXXX ). Since that time I have been an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: TX

Complaint narrative:
I had XXXX XXXX as my electricity provider. When another resident went to move out and call XXXX to transfer/cancel service from XXXX some how XXXX took my apt number and turned off my service with them. I did not authorize this and I was not moving and or switching service to anyone else. XXXX then turns around and informs me all total charges and my balance billing charges had to be paid upfront before I could continue my service with them. I spoke to supervisor after supervisor I've filed a complaint with the XXXX. I am still currently working with XXXX  on trying to from a resolution to this mix up and error that had occurred. Because another resident who was moving out gave the wrong apt number. Today this date I still have not been told by anyone or any collection company about this account going into collections I've never received any type of notices or anything about this account being charged off and sent to collections. But the collections company who took this account has decided to place this account on my credit report without giving me notice and or validation and before a resolution being provided by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/2020, XXXX XXXX XXXX and XXXX XXXX XXXX add a hard inquiries on my credit report per TransUnion. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2020-12-08 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: NV

Complaint narrative:
On XX/XX/2020. I used the automated phone number Direct Express and ordered one new card because my card ending in " XXXX '' was defective. I paid for the new card to come in 2 business days. The automated voice said my card will remain active until I get a replacement card. I called back to block the defective card ending in " and they cancelled the card but ordered me another card and asked did I want a 2 day shipment. They withdrew another fee for the 2 day shipment. So I am waiting for 2 cards to be delivered in 2 business days. A total of {$30.00}. Now my Direct Express card account is in the - negative now. 
On Tuesday XXXX, 2020 I talked to a lady who said she was a supervisor which I doubt, named XXXX. XXXX asked me for my personal account password pin information to my website account. I refused and told her this is a against the law to ask a customer for their personal PASSWORD TO Their online Accounts! Direct Express refuses to give my money back from one card fee of {$15.00}. 
Please help me and get my money back? I don't have money to give away. {$15.00} is a lot of money to me. Please Hopefully Direct Express will do the right thing and give my money back. It's against the law to take money that doesn't belong to you. I have copies of the 2 cards charges. 

Card holder XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Please see Complaint # XXXX, which was closed without any documentation showing that this account belong to me. The collector written a letter to the CFPB claiming certain events, but did not attach any proof that this account belong to me. I want this complaint reopen and the collection company immediately send me proof of this account with my signature on any charges for this credit card account. I am very disappointed in the CFPB in closing this complaint only on words from the collection company. You gave this company 60 days to respond and they written a letter with no documentation attached and you took their word. Thank god for a new administration maybe the CFPB will do their job like they did before this administration.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Bank of america has stolen {$5300.00} from my account that was returned by XXXX XXXX for money transfers paid in error by and of america in my name but was fraud. XXXX XXXX conducted a case investigation and came to a conclusion that the money was to be returned and refunded to my bank of america account. Bank of america received the funds with myself and XXXX XXXX being provided confirmation of bank of america receiving funds as well as ACH number on XX/XX/2020.

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 2020-12-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I sent " all items '' regarding this account not being mine due to ID theft. 
So far, I opened these issues with CFPB, XXXX, XXXX, XXXX. Capital One is no longer on my credit, but they still refuse to close this account. 
I want all information I have requested to come to me since you have neglected half of my request and then refuse to close the account with a paid in full. I will keep this up until this can no longer be a financial issue on my part ( total 7 years ) per law. 
You noted in your last reply that " you are unbale to determine that this account was opened without my permission '' is a cop out to XXXX over your customers. Then Capital One refused to provide me will all the information requested including the original application and this is not acceptable. You will receive another complaint every time you reply for several years if needed until this is resolved. I did not open this account, I have no idea who could have, and I am a victim of ID theft. 
Provide me with a paid in full letter to this account and I want this forever away from my credit this includes your frequent selling the id thefted debt to 3rd parties like you have done in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA

Complaint narrative:
Mortgagor : XXXX XXXX Complainant : XXXX & XXXX XXXX RE : XXXX XXXX XXXX XXXX XXXX GA XXXX Loan # XXXX Attention Sir or Madam : We sold and closed on property on XX/XX/2020 and had Suspense Account - {$6800.00} Escrow- {$2100.00} I verified with 3 PennyMac representatives and Escrow representatives and attorney XXXX XXXX XXXX that loan was paid in full and received by wire transfer on XX/XX/2020. 
I called today ( XXXX ) and was told that only {$100.00} was showing as a refund. Our complaint is we should be receiving a greater amount than this from PennyMac. 
Our refund should be {$6800.00} and no less than {$4100.00}. 
Please investigate and help us recover monies owed to us. 
My email is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 00:00:00
Product: Checking or savings account — 
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I noticed money was out of my account and quickly called my credit union 2-3 months ago. I realized some people took money from my account using XXXX XXXX, requested my debit card limit to be increased and applied for a loan in my name. I didn't get any notification or letter that these changes happened.They gave me steps on how to freeze my credit and stated that they would put in an application to the loan department saying I was a victim of fraud and request that I dont have to pay for the balance. They said I will get a call when the process is completed. Today, I received a letter stating the balance is pass due and that they are taking {$640.00} out of my savings/checking account. I called the loan department using the number the paper. The representative told me that the bank never contacted them, but they see the documents in the system stating I did report fraud. They called the bank and said that the application was denied because I could have gave somebody my information and had them call to set up a loan. I am an emotional wreck. When this first happened I was about to move out my sister house, but I couldnt becuase I didnt have the money for the deposit of the apartment. I just moved in with a roommate two weeks ago, becuase I thought everything was going fine. To hear that my case wasn't even looked for months and then denied after I did a followup is crushing. I need help, they want me to pay {$7000.00}. I dont have that type of money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 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:
A couple of days ago, I checked my credit report, some information is not mine. I think that I may be a victim of identity theft. I do not recognize these accounts inquiries and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. It could also be possible you are mixing up these accounts with someone that has a similar name as me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Prosper Marketplace, Inc.
State: OH

Complaint narrative:
the collection company summonsed me to come to the court in out county court. and judge dismissed there claim and did charge the summon. the collection company still holding me hostage on this account in consumer credit reporting agency. i sent the copies of court decision to all three buraus but they are still keeping that account in my file. I want this to be removed from report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 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: CA

Complaint narrative:
THIS ACCOUNT IS NOT REPORTING CORRECTLY AND NEEDS TO BE REMOVED FROM MY CREDIT REPORT. I'VE TRIED TO CONTACT TRANSUNION SEVERAL TIMES AND WAS TOLD BY THE REPRESENTIVE THAT THEY ARE WORKING FROM HOME.

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 2020-12-08 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: TX

Complaint narrative:
There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/2020 and I never received any reply. I then sent a follow-up dispute on XX/XX/2020. It is now XX/XX/2020 and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/2020 and I never received any reply. I then sent a follow-up dispute on XX/XX/2020. It is now XX/XX/2020 and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

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 2020-12-08 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: CA

Complaint narrative:
I am writing this due to non-compliance with the Credit Reporting Agencies ( Experian, XXXX, and XXXX. ) They have failed to remove information that was affiliated with personal details that were challenged in the past. 

Consistently reporting erroneous items is a clear violation of the law. The negative items on my credit report can not be authenticated to be certified under testimony to be true and accurate. 

I strongly believe they are in violation of the FCRA and are outright refusing to uphold the law.

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 2020-12-08 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: CarMax, Inc.
State: CA

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020, CARMAX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On, XX/XX/2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

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 2020-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 
I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.

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