vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-12 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: AZ

Complaint narrative:
XX/XX/XXXX Account XXXX XXXX XXXX XXXX original owner Capital One vs. XXXX XXXX My goal is to omit this debt on an account I NEVER opened or knew about until I checked for issues regarding the XXXX Data Breach last year. XXXX XXXX XXXX and the original owner Capital One are becoming criminals at this point. I have tried calling, certified letters, the CFPB, and other avenues to no avail. The printed documentation is well over an inch thick. The list is lengthening regarding their negligence on this matter simply because I am the little guy. It took over 14 reply letters alone and several agencies to even receive the requested validation items on this account. Capital One can not even supply me with the original application for this account that was opened under my name without my consent. 
Abbreviated Correspondence List Below : Five CFPB complaints ( ignored ) Two FTC dispute letters ( ignored ) Two validation letters ( ignored ) Received 20 and counting unreliable and incomplete reply letters from Capital One and misc. companies regarding this account.

I sent several dispute letters to all three credit bureaus, which ( successfully removed all debt from the credit agencies ).

Recorded Audio : I tried to negotiate on XX/XX/XXXX and was insulted by the $ amount XXXX wanted to demand me to pay with no credit report incentives. There seems to be no working with XXXX XXXX XXXX for a fraudulently opened account for removal on a fair amount. 
Capital One can not provide me with the original online contract. However, they had stated that all of the information was correct. How would they know if they do not have the documentation to refer to? This sort of fraud leads me to believe that there is NOT the correct information in the original appliacation. However, now we will never know. 
The original debt information per the records sent to me was left at only a total of {$58.00} that is actually owed on this account. The debt for this account had increased due to interest and charges not of my neglect. A {$120.00} payment with the terms requested is above and beyond an acceptable amount for this account. 
Two certified pay in full letters XXXX XXXX and one to Capital One XX/XX/XXXX and XX/XX/XXXX ( ignored ) Reply letter Capital One this letter said nothing and was incredibly stupid regarding nothing meaningful about the account again. They opened an account without my knowledge then sold it to different entities. 
XXXX XXXX XXXX 's reply letter was the same regurgitated letter they always send.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Grant & Weber
State: CA

Complaint narrative:
I have previously reported this account several times I have previously disputed this account several times the last time I did dispute by mail I did not receive a response I disputed again online and now I can see a dispute underway. This account is only {$280.00}, I would pay it, but it really is not mine and I am not responsible for it. Please help me with this account thank you so much.

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 2021-03-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: ALLIANT CREDIT UNION
State: AZ

Complaint narrative:
On XX/XX/2021, I submitted an application with Alliant credit union for their Visa platinum rewards credit card. Initially, I got message that I was approved for {$2500.00} of credit pending submission of documents about my residency status. 
I've been in the XXXX for over seven years now, initially 5 years on a XXXX visa and now I'm in XXXX of 6 years in XXXX status. Because the visa needs to be extended after the initial XXXX period, Alliant denied my application, arguing that I had less than XXXX year left on my visa. Because the visa is only going to be extended at the end of the first XXXX period, I'm not able to provide a " proof of extension '' that was requested by Alliant until XXXX. 
While it is lawful to consider immigration status to determine credit-worthiness according to the Equal Credit Opportunity Act ( ECOA ), Alliant stated that they generally do not lend to applicants with short-term immigration visas or work visas that don't have enough time remaining. This practice does not adequately consider that XXXX visas are usually extended up to 6 years ( at the end of the XXXX period ) and often result in application for permanent residence, not does it consider community involvement/duration of residency and thereby the applicant 's likelihood of repayment. 
In Alliant 's case, they don't even use residency status to factor it into their loan decision, but generally exclude applicants based on residency status, which is a clear violation of ECOA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 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: MO

Complaint narrative:
Upon review of my credit reports with XXXX XXXX, and XXXX, I noticed an account that did not belong to me. I immediately disputed this account via USPS certified mail ( dated XX/XX/2020 ) with the three credit bureaus. XXXX deleted said account. XXXX  and XXXX responded that the account was verified, but did not provide proof of how it was verified, or what was provided to them to verify the account. 

Portfolio Recovery Associates, LLC then contacted me via mail on XX/XX/2020, claiming that they had completed their investigation and determined the debt to be valid, attaching only a billing statement as proof. I responded to Portfolio Recovery Associates, LLC by USPS certified mail on XX/XX/2020, asking them to validate this debt with viable evidence bearing my signature, and they have failed to do so. 

Their subsequent responses have included, again, billing/account statements, and most recently, a copy of a document with a signature on it. However, I have never seen this document before, and can not determine 100 % whether or not it is authentic or if it contains my signature. It seems that Portfolio Recovery Associates, LLC is trying to take advantage of consumers ignorance by trying to collect and report debts to credit bureaus that they have no legal right to collect, let alone report. 

I have contacted my attorney, who has advised me to move forward with a lawsuit. This is my final attempt to resolve this matter with Portfolio Recovery Associates, LLC. If they do not request the removal of this account from my credit reports, and if they continue to pursue collection activity, we will have no other choice than to move forward with litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Twice now my auto finance company, tdautofinance.com, in XX/XX/XXXX and again on my statement in XX/XX/XXXX, has listed payments i have made, on time in the full amount listed, incorrectly as less than my check states. Both times my checks were read incorrectly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: HGREG.com
State: FL

Complaint narrative:
I previously sent this dealership HGREG XXXX XXXX XXXX a cease and desist as well as an Affidavit of Truth on or about XX/XX/2020. I received NO response from this dealership so I am resubmitting this case to them through certified mail, process server and through this CFPB portal. 
HGREG XXXX XXXX XXXX has committed several violations of Federal Law most importantly violating the 15 USC 1601 Truth In Lending Act [ TILA ] by having practices that are inconsistent with the Truth In Lending Act. 
HGREG XXXX XXXX XXXX has communicated with me through text on my work phone ( without my consent ) in an attempt to threaten me and unlawfully seize my property ( Which I have proof of ) AFTER receiving my cease and desist prior to. ( Which I have proof of ). I Notified the agent ( who would not give their name ) not to text me and about my cease and desist order yet they still attempted to harass and threaten to seize my property. I do NOT owe this company ANY alleged debts, HGREG XXXX XXXX XXXX has unlawfully placed a lien on my property that I have already paid for via my credit card ( social security card ) and my open end consumer credit plan. 
HGREG XXXX XXXX XXXX used material misrepresentation to deceive me as a consumer, and intentionally omitted vital information preventing me from ascertaining the true facts of my purchase with this company. 
HGREG XXXX XXXX XXXX engages in practices that are not consistent with the requirements from the 15 USC 1601, Truth In Lending Act, which prevents me as the consumer involved from conducting consumer credit sales/transactions that are equitable to me. I am making a dedicated and detailed record of all HGREG XXXX XXXX XXXX unlawful practices should I need to take further action against them. In the mean time I am enforcing my rights and demanding that they cease and desist these unlawful attempts to threaten, XXXX XXXX XXXX XXXX including attempting to unlawfully seize my property, which is mine by right as a Federally protected consumer and natural person. 
I have also included the XXXX XXXX that was sent a Cease and Desist order due to XXXX of the employees attempts to impersonate an attorney through text in order to defraud me and unlawfully attempt to seize my property.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2021 I tried to un-freeze my Experian credit report so that I can make a large purchase. I logged into my Experian account, there is NO WHERE on the Experian home page, or any other page, to un-freeze my credit. I searched on the internet and found a page to unfreeze my account but the system would not accept my PIN. I'm out of town trying to make a purchase and Experian, because of their negligence, won't allow me to complete my transaction. I tried calling them but you can not reach a person to speak with and their web pages are useless. EXPERIAN IS HORRIBLE!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I received a letter from Midland credit management inc, stating that I owe them an alleged debt. So I send them a letter asking to validate the alleged debt they claim I owe. In my letter, I asked them to provide me the following : 1. Name and address of alleged creditor.

2. Name on file of alleged debtor.

3. Alleged account # 4. Address on file for alleged debtor 5. Amount of alleged debt.

6. Date this alleged debt became payable.

7. Date of original charge or delinquency.

8. Was this alleged debt assigned to a debt collector or purchased?

9. Amount paid if debt was purchased.

10. Commission for alleged debt if collection efforts are successful.

In my letter I also ask for the -Agreement with their client and grants Midland Credit Management Inc. the authority to collect this alleged debt. 
-Signed Agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt Collector. 
-Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor. 
-All statements while this account was open. 
-Have any insurance claims been made by any creditor regarding this account? 
-Have any judgment been obtained by any creditor regarding this account? 

In my letter I also ask for the name and address of the bonding agent for Midland Credit Management Inc. in case any legal action becomes necessary. 

I also stated in my letter that if Credit Midland management inc fails to provide me with any of the above request, then all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. 

On XX/XX/2021. I received a respond from Midland credit management to my request of validation letter. They did not provide me with any of the above request I asked and all they responded was that their records are accurate. Since they can not validate this alleged debt, they were not able to prove that this alleged debt belongs to me and therefore, this alleged debt must be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 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: Granite Bay Acceptance Inc.
State: OH

Complaint narrative:
My complaint is against Granite Bay Acceptance Co of XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. This company has made several unsolicited and unauthorized checks of my credit over the last year. I live in Ohio, this company is in California. To my knowledge, I have not conducted any business with this company at any time. I have not applied for any loans or financing from this or any other company during the last 12 months, and have received no letters denying me credit with this organization as the financier, and therefore deem their inquiries as illegal. This regular checking of my credit has caused my credit score to drop, which I found during my regular annual review of my credit reports. 

They illegally checked my credit on XX/XX/2020, XX/XX/2020, and again on XX/XX/2020. I contacted them by email to find out the purpose of their inquiry, and to request they cease and desist, and have not received a reply. I do see upon XXXX search that there is existing litigation against this company for allegedly violating consumer privacy laws by checking credit and selling the information to third parties, and fear that the same may be occurring with me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 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: BBVA FINANCIAL CORPORATION
State: MA

Complaint narrative:
BBVA has closed my auto loan account with the status of " charge-off '' for a past due amount of {$2900.00} in error. BBVA has already received payoff for the loan, as shown by the three attachments : 1 ) loan payoff receipt from BBVA ; 2 ) loan payoff guarantee for {$48000.00} from BBVA ; and 3 ) loan payoff confirmation from XXXX. Feel free to reach out to XXXX directly at XXXX referencing my claim # XXXX and ask for the manager, XXXX XXXX. We have already attempted to resolve the issue with BBVA through several phone calls on these dates : XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20, and XX/XX/20. We have e-mailed them as well. However, BBVA has been unresponsive. Also, they no longer have a phone number, only an address, listed for credit report disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 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: GA

Complaint narrative:
On XX/XX/2021 I contacted Experian by mail and on XX/XX/2021 they were contacted by phone regarding a fraudulent account. This company attempted to place this collection on XXXX six months prior and I provided documentation showing a police report had been filed surrounding identity theft. The item was deleted and now it has reflected on Experian.

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 2021-03-12 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: Central Portfolio Control Inc.
State: GA

Complaint narrative:
On XX/XX/2021 I contacted XXXX by mail and on XX/XX/2021 they were contacted by phone regarding a fraudulent account. This company attempted to place this collection on XXXX six months prior and I provided documentation showing a police report had been filed surrounding identity theft. The item was deleted and now it has reflected on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 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: AMERICAN HONDA FINANCE CORP
State: MI

Complaint narrative:
I purchased Honda XXXX in XX/XX/XXXX. I received a mail explaining how to set up online payment which I did follow all the steps given. I previously owned XXXX Honda XXXX which was always paid on time and had an existing Honda finance account. I reset my password and setup the payment for the new vehicle purchased. But for some reason the payment did not go through and I have not received any communication from Honda Financial Services. They say they called me and mailed invoices. I never received any in mail as I chose paperless communication. I got a notification from my XXXX account about the late payment. Then, I logged in to Honda and figured out that the payment was not done. 
The profile had my old phone number and previously lived address. I was surprised that they communicated to the old information. I updated every information in every tab and made sure the scheduled payment setup shows up in the account. I double checked if the amount was deducted from my bank account. 
When I requested Honda to remove the derogatory mark, they said that they can not do it as they did not receive the payment and the communications they did to my old contact was just for courtesy and it is my responsibility to pay on time. I am responsible and I set up the payment by choosing a payment date as well on XX/XX/XXXX. The setup did not get saved or there could be system error etc.. 
As soon as I knew this, I did the payment and making sure the payment process continues without any delays or errors. The communication preferences with Honda Finance are really the worst. For me, it was not user friendly. They do not provide information in the email. We need to go back to the Honda finance account to view any kind of data about the statements or letters or setup information. Who does this these days? People completely rely on emails and the content in the emails. No body remembers passwords to login to each account to review information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: AFNI INC.
State: MD

Complaint narrative:
Since XX/XX/XXXX I have been receiving repeated and frequent telephone calls from AFNI a company engaged in the practice of debt collection. They calls have increased in intensity and caller identification information indicates that AFNI is calling on a frequency of two to three times a day. The alleged debt is unknown. I filed a previous complaint with CFPB against AFNI on XX/XX/XXXX. At the time, I indicated an issue of communication tactics. Despite a previous complaint regarding their communication tactics the company continues the harassing behavior. To repeatedly call on a daily basis for over four months is harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: PNC Bank N.A.
State: VA

Complaint narrative:
I sold my car and the loan on it I had with PNC was closed on XX/XX/XXXX. On XX/XX/XXXX an additional payment of {$640.00} was sent from my bank ( XXXX XXXX XXXX ) to PNC and cleared my checking account. After 5 phone calls to PNC, I was told to fax proof of payment to PNC and I would be refunded the money since the loan was closed. It has been a week since the funds left my account and PNC has not returned my money. I have called them another 2 times today. I was on hold one time for over 20 minutes and then was transferred to XXXX without any notification. I then provided my social security information to that company without knowing I was even transferred. I am now on hold for another 20 minutes and still no progress or help from PNC. I would not trust them with any of my accounts or loans.

Company response to consumer: Closed with explanation