vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Prosper Marketplace, Inc.
State: NY

Complaint narrative:
I am filing this complaint cause there is a loan in my credit that is fraudulent. I have tried to get this matter resolved by filing a police report and a identity theft report with law enforcement and have not bee able to get anyone to help me get this removed

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 2021-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I the consumer was affected by XXXX and had some financial hardship and had a late payment placed on my consumer reports by CAPITAL ONE in XX/XX/XXXX. Because of the uncertainty of the given pandemic which caused me to be unempolyed I removed all of my credit cards and other accounts off of auto draft to be able to remain stable during the pandemic. I called each company including CAPITAL ONE to ask for an extension on the payments. After receiving an alert from XXXX XXXX stating that I had a missed payment I immediately call CAPITAL ONE to correct the issue. After speaking with the representative they said that I called in a day after the payment was actually due which made me 30 days late. I explained the situation to CAPITAL ONE and told them that I thought I called in on time and if they would please update the information. They stated that they could not because it was technically late. I then explained that I have never been late on any payment with them in 6 years since I had my account started in XXXX. They said I had to 1st bring the account current then they could " potentially '' remove the late payment. I paid them immediately that day even though I was in a financial hardship to keep my payment history in tact. After making the payment and waiting 30 days nothing changed. This is highly unreasonable considering I was affected by the pandemic financially and I explained to them what happened and how I thought I called in time along with me making a payment that day even though I really could not afford to and in 6 years of no late payments ever they refused to update this information on my credit reports. I have reached out several times over the last 11 months in an attempt to clear this matter up along with writing them a letter asking for them to remove the late payment in goodwill due to my perfect payment history with them for the last 6 years. I'm coming to the cfpb because I need help and I know that due to covid-19 that there has been exceptions and grace extended to those who were impacted by covid-19 and encountered financial hardship. Please help me resolve this issue as it is impacting my reputation, character and credit standing. I have attached a copy of the goodwill letter that was sent in to CAPITAL ONE headquarters on XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-31 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: PA

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 of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 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:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 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: AZ

Complaint narrative:
Hello. I am writing this complaint because Equifax has failed to complete an investigation or have failed to communicate back any status of an investigation. On XX/XX/XXXX I sent a letter disputing a few inaccurate items found my credit report as well as a notarized id letter, my drivers license, and bank statement for proof of address. I wish I could have known about them before a lot of my recent financing. I never heard back after my first letter. After some online research I know it is against FCRA to take longer than 30 days. Due to covid I just submitted a Follow up letter, that was on XX/XX/17. I wanted to involve the CFPB because its now been almost 45 days and I do not want my disputes neglected. Please deleted these inaccurate items from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Disputed account with all 3 credit bureau and have not received any type of verification stating that I'm the owner of such account in question, also this negative unverifiable account is hurting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Disputed account with all 3 credit bureau and have not received any type of verification stating that I'm the owner of such account in question, also this negative unverifiable account is hurting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 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: TX

Complaint narrative:
To whom this may concern, About a month ago, I received a notification from XXXX XXXX how my scored had changed in the Equifax report. I noticed a collection was added of almost {$200.00}. I looked up the company and have never heard of them. I quickly pulled an Equifax credit report and the collection charge was still there. I reached out to Equifax customer service and a great representative gave me some clarity and also agreed that it may be a mistake. XXXX XXXX ( the Equifax representative ) told me to give him a call in a few days for an update as he began an investigation. Few days later, I call and receive a different representative. They have a lot more trouble pulling up my account. I gave them my full name, DOB, SSN, etc. Nothing was working. After a good 15 minutes of being on the phone, they tell me they a supervisor and places me on hold. I then get disconnected. I want to think they did not hang up on me, but I expected a call back since they did know my phone number. I was never reached. Today ( XX/XX/30 ), I call again. First of all, the representative does not say they are Equifax customer support, so I am already skeptical that I even called the right phone number. The person then says they represent Equifax. This rep is also having issues pulling up my information. Roughly around 15 minutes, they put me on a hold and I get disconnected. This is the second time this has happened so they must be hanging up on people when they are struggling to help a person. Of course I did not receive a call back. I called again shortly after and I ask for XXXX XXXX immediately since he has been extremely helpful since the start. I get transferred and although he also struggled to find me ( he said he had to look me up through the collector ), he never hung up on me. 

So I have two issues at hand here : 1 - Equifax is showing a collections debt from another person. The charge is for the same name but that person has a different date of birth and different address. XXXX XXXX states that an SSN is not even present. XXXX  does not show any of this. 
2 - Equifax customer representatives are hanging up on people. 

Please get in contact with me as I need an update on this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
On XX/XX/XXXX, I underwent a botched dental procedure through a representative employed by XXXX XXXX XXXX in XXXX, Ohio. After examination by an Independent Dentist recommended by my Insurance company at this time, XXXX XXXX, and XXXX  investigation of the procedure and the bad faith practice of having me sign financial documents while I was in a traumatic state ; XXXX XXXX ordered XXXX XXXX to reimburse XXXX for the funds paid to them since, the procedure had to be completed again. 

The overage of the cost was financed through XXXX XXXX. These documents were presented to me for signature at the end of my eight hour, routine XXXX  restoration. It was unknown to me what I was signing and in the end, all funds had to be reimbursed. 

On XX/XX/XXXX ; I was served with a Subpoena. XXXX XXXX  was suing me for the funds in which the financial documents were signed without my knowledge. 

On XX/XX/XXXX, I filed an Answer to the Complaint, representing myself in the matter of : Case No. XXXX ; XXXX XXXX  vs. XXXX XXXX XXXX. In the XXXX XXXX XXXX. XXXX, Ohio. 

I filed a Statement of Issues with the XXXX on XX/XX/XXXX. A Pretrial Hearing was scheduled for XX/XX/XXXX. 

On XX/XX/XXXX ; evidence was reviewed and the case was dismissed. 

XXXX XXXX  then sold this debt, which was dismissed by the XXXX by Magistrates signature entered on XX/XX/XXXX ( attached ) ; to what appears to be several debt collecting companies. Yet, LVNV Funding LLCs name is what keep appearing on my credit report. I receive mailings from them. I used to get hard-collection calls from them. I have filed several disputes with all credit reporting agencies only to have my disputes declined because LVNV is showing proof that the debt is owed. Im sure these Agencies are not aware that this case was dismissed in XX/XX/XXXX. 

LVNV has fraudulently made claims on this debt. They continue to ruin my credit and have been since the fraudulent purchase thereof. My husband and I had to refinance our mortgage because I have not worked in two years. Due to this and LVNV, I could not have my name on our new Mortgage thus, I am now vulnerable. 

LVNV Funding has and continue to hurt my credit. They are giving misleading statement and untruths because, this matter was Dismissed therefore, the Debt is not Owed. 

Im attaching the Court records and, XXXX  XXXX  Exhibit which is a statement that shows two Adjustments which, was the credits back to XXXX XXXX. On my current credit report LVNV us showing them as payments made. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Disputed account with all 3 credit bureau and have not received any type of verification stating that I'm the owner of such account in question, also this negative unverifyable account is hurting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paramount Recovery Systems, L.P.
State: NY

Complaint narrative:
Im filing this complaint cause Paramount is reporting a medical debt on my file and I have never visited XXXX XXXX. Someone used my identifying information to get treatment in a hospital in XXXX I filed an identity theft report and police report and I am attaching for your records

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 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: CITIBANK, N.A.
State: NY

Complaint narrative:
This is a unique problem and none of the options offered exactly covered it ... 

In autumn XXXX, deposited a check into my checking account at Citibank in the XXXX CT branch. The machine did not take the deposit and I got a strange message that something was wrong. I went to the teller who put me in touch on the phone with someone at Citi who said that an investigation would have to be done, which would take some time ( 45 days I remember, but I am not sure ). It took at least two months, but finally I received a call from someone at Citi who said that the check was there and my account had been credited. 

However, during some part of that period, the account was somehow frozen, and automatic payments such as ones to my mortgage company and an insurance company were not made. When they got the first failure, they were not able to debit funds from that point onward. I only found out in early XXXX when the mortgage company called and asked if something was wrong. I believe 5 months or so of unpaid mortgage payments had accumulated by that point. I paid the entire accumulated balance right away. However, there have been some lasting effects. First, my FICO score suffered greatly, which raised my mortgage payments ( it is a floating rate mortgage ), and even today there is a record of " serious delinquency ''. Second, an insurance policy that was paid out of this account was cancelled for nonpayment of premiums and there was no way to resolve this. 

My mortgage company said that they would happily tell the credit bureaus that this was an error if they got a " credit update '' from Citi acknowledging that the failure to make the payments was through an error on their part. I have talked to many people at Citi and it has not been resolved. They basically don't even call back.

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 2021-03-31 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: IN

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
On XX/XX/XXXX I applied for higher credit limit ( currently {$110.00} ) on my JCPenney card ( Synchrony Bank ) but was denied. When I received the denial letter it had incorrect information by XXXX. 

The letter reflected the date of XX/XX/XXXX with a score of XXXX. My XXXX  score was not XXXX on the date of request XX/XX/XXXX and additionally my XXXX  score on the same date range was/is XXXX. It appears that the creditors and/or XXXX  are deliberately trying to negatively impact scores by not updating their system when the account balances are paid down. 

I have another pending complaint against XXXX  for the same type of issue. 
COMPLAINT ID XXXX

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 2021-03-31 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
I made a purchase using the XXXX XXXX. The item cost more than the balance of the XXXX XXXX so I used my credit card to pay the remaining balance. I ended up returning the item I purchased and all of the money went back onto the XXXX XXXX. The card was locked by the company and they refuse to give me access to the funds claiming it was fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: TX

Complaint narrative:
Disputed account with all XXXX credit bureau and have not received any type of verification stating that I'm the owner of such account in question, also this negative unverifiable account is hurting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
I opened a online bank account citi bank in XXXX 2021 transfered XXXX from XXXX XXXX my bank on XXXX XXXX XXXX before my transfer was approved the new account fruad departmemt locked the account on XXXX XXXXXXXX i call citi my transfer was still pending i try to cancel the frasfer with XXXX XXXX but they told me citi needed to cancel so i called citi told them to cancel the transfer but because the account was locked they would not cancel now i call citi and they are asking me for a cell phone Number that will regester to me through public records I don't even have a cell phone nothing registered to me in public records therefore they will not unlock my account close my account let me get my money or anything even though I transfer that money into the account from another bank XXXX XXXX that is also in my name i have my social security number ATM XXXX card my pin number my driver 's licence must birth certificate and they still will not release my account and keeping my money because they will let me have my money there telling me that there's nothing more they can do to help me at this point i need to calk back whem i get a cell numbee that will verifie me in public recoreds im not gon na get a celk phone any time soon please can you help me get my money out they i would like to take close the account get my money back it is my goverment funds i live on very littel momey this was my stimulas payment this has been going on for XXXX months now im visoting my family in XXXX i wemt to a XXXX and they tties to find my account amd i was told the account does not exsit there is no account so where is .my momey

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 2021-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I presently live and own a home in XXXX Florida and Wells Fargo ( WF ) holds the mortgage on this home. In XX/XX/2020, in preparation for the sale of my prior home which was located in XXXX Florida, I engaged WF staff to assist me in applying proceeds from the sale to recast my present loan. WF representatives did not correctly post my principal payment and though I have followed the instructions of the WF staff, explicitly, I find myself, now, in a position that I have been erroneously charged late fees, erroneously reported to credit bureaus for missed or late payment and still have not received written confirmation of the loan recast. I have neither missed a mortgage payment nor been late in making a payment. I have been diligent in documenting my communication with WF staff and following the directions of WF staff and have found that I must consistently re-initiate action and follow through to confirm actions are being taken by WF to resolve this matter.

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 2021-03-31 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: AZ

Complaint narrative:
I am submitting this complaint because Equifax has not completed an investigation or have failed to communicate back any status of an investigation with me since my dispute submission. On XX/XX/XXXX I sent a letter disputing inaccurate items found my credit report as well as a notarized id letter my driver license and bank statement. I never havent heard anything at all from XXXX. I understand with covid things may be a little backed up, but we are now over XXXX days since my request, and I havent heard a thing. I even sent a Follow up letter on XX/XX/17. I am now involving the CFPB because it now seems you are neglecting a dispute and is against the FCRA. You had legally required time of XXXX days. Please deleted these inaccurate items from my report. Attached is a copy of everything I have sent as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I have allays had my account set to automatic payments for 'statement balance ' and somehow they got switched to min payment. I have tried contacting Bank of America multiple times and can never talk to someone. I tried updating it on my own, after multiple tries I got it updated myself. I noticed that I had been charged {$18.00} in interest ( I am a balance payer ). Again I made multiple attempts to reach BofA and finally got someone on the phone. Explained situation, specialist in a nice way insinuated that I was in error or lying. Told me he would put in request to refund fee, put me on hold for XXXX min and then told me they would not refund. 

They are using unfair and deceptive practices.

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