vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Cannon & Cannon Firm PC
State: UT

Complaint narrative:
XXXX XXXX XXXX ( XXXX ) has sold debt to XXXX XXXX XXXX on XX/XX/XXXX. This is the 3rd or 4th time XXXX XXXX has sold this same debt. 

I have sent XXXX XXXX XXXX a DEBT VALIDATION REQUEST on XX/XX/XXXX pursuant to the FDCPA 15 USC 1692g Sec. 809 ( b ). it was sent certified mail receipt # XXXX. XXXX XXXX XXXX has continued to call me from numerous out of state phone numbers. 

PRIOR to this, I was contacted by a debt collector about this debt - a debt which is owned by XXXX XXXX XXXX. This OTHER debt collector is named XXXX XXXX, XXXX located at XXXX XXXX XXXX, XXXX XXXX Ohio, XXXX. I ALSO sent a DEBT VALIDATION REQUEST to XXXX XXXX on XX/XX/XXXX pursuant to the FDCPA 15 USC 1692g Sec. 809 ( b ). XXXX   XXXX  DID NOT RESPOND to this debt validation request whatsoever. 

Instead, XXXX contracted to XXXX XXXX  CANNON LAW ASSOCIATES  of XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX Utah XXXX. I ALSO SENT A DEBT VALIDATION REQUEST TO XXXX XXXX CANNON on XX/XX/XXXX by certified mail pursuant 15 USC 1692g Sec. 809 ( b ). XXXX XXXX Cannon did not respond in writing. Instead, XXXX XXXX Cannon sent a CD which was not readable and in DID NOT COMPORT to a written response to validate the debt pursuant 15 USC 1692g Sec. 809 ( d ). 

This debt is owed by XXXX XXXX XXXX - yet XXXX XXXX CANNON LAW ASSOCIATES ( XXXX ) continues to make unwanted contact after being requested in writing on XX/XX/XXXX to both CEASE CONTACT and VALIDATE A DEBT pursuant the legal statutory USC of the FDCPA. 

Today is XX/XX/XXXX. XXXX XXXX CANNON LAW ASSOCIATES attempted to serve a summons at my home address DESPITE NO LEGAL OR LEGITIMATE CLAIM FOR DEBT COLLECTION ON BEHALF OF XXXX XXXX. Further, XXXX XXXX CANNON LAW ASSOCIATES has both inflated the value of the debt, refused to comply with a XX/XX/XXXX written request under the FDCPA to validate the debt and prove they are the owners of the debt on behalf of XXXX XXXX XXXX. 

I did not accept the service of the " SUMMONS '' at my residence. Instead, I witnessed the process server go to my neighbor 's house and tell them I owed a debt before the process server left the summons on my doorstep- invalidating the process. 

MY COMPLAINT : XXXX XXXX CANNON LAW ASSOCIATES is initiating legal service to collect a debt that is not owned by XXXX XXXX XXXX and which there is no obligation. XXXX XXXX CANNON LAW ASSOCIATES refused to validate the debt and continued to make contact -has improperly and illegally filed a summons for a debt owed by XXXX  XXXX XXXX . 

This is harassment and an abuse of process to deliver a summons to collect a debt that is not owned or serviceable by XXXX XXXX CANNON LAW ASSOCIATES or XXXX XXXX CANNON LAW ASSOCIATES client, XXXX   XXXX 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 2020-07-11 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: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
There were issues with my American Express card on XX/XX/XXXX when I tried to make a payment on the card. There were re-occurring deputed charges that kept reappearing on the account since XXXX. The charges would be disputed and credited back to the account then the charges would be added back to the account again by the merchant. When I spoke to a American Express representative on XX/XX/XXXX, he or she said, " They wasn't sure what amount I needed to pay because of the disputed charges were on the account and to call back in a couple of days once the account was adjusted ''. Therefore, I did not make a payment. 

Also, at that time, the representative did not inform me American Express no longer had the deferred payment plan and had a new payment plan for those who were still experiencing hardship due to the Coronavirus CoVid-19 that I could enroll in. 

I also have been affect by the Coronavirus CoVid-19 due to loss of work/unemployment. I should have been told about the new payment plan on XX/XX/XXXX to enroll in it to avoid a negative credit reportings. 

While American Express was straightening out my credit card account with the re-occurring deputed charges, which no payment was made on the account, American Express reported my account 30 days late on my credit file. This could have been avoided if I was told about enrolling in the payment plan program that was offered to those being affected by the virus. 

I have always been in good standing with my American Express card until I kept being charged by a vendor who were located in XXXX and I did not received the items when I should have received them. It took over a month to receive the items because XXXX was being affected by the virus, which the U.S. did not know. I also kept being charged by another vendor ( XXXX ) until American Express put a block on the account from the merchants. 

I asked American Express, " To removed the 30-days late from my credit files ''. I was told, " I needed to contact the credit reporting agencies ''. American Express need to remove the 30-days notice from my credit files had I was told/informed by the representative that American Express no longer had the deferred payment and that they had a new payment program to help those being affected by the virus, the 30 days late on my credit files could have been avoided. 

I was told about the new payment plan after my American Express Card had already reported my American Express Card late to the credit bureaus. 

I already being affected and tremendously impacted by the Virus, my credit does not need to be impacted also when this could have been avoided.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11 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: MI

Complaint narrative:
Experian has open XXXX XXXX accounts from someone with the same name in a different state on my account. I corrected this 2 years ago when I bought a house but I had help from my mortgage company. When it showed back up a year later I tried to correct it myself with Experian but their investigation found it to be accurate. It is not. I do not have an XXXX Account and Ive never lived in that state. 
The other two credit reporting agencies corrected the error but Experian refuses to. Ive spent hours on the phone trying to correct this, but I cant prove its not mine because XXXX XXXX cant release someone elses information to me, so there is no way to get documentation proving it isnt mine.

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 2020-07-11 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ID Analytics, Inc.
State: MD

Complaint narrative:
I contact sage stream online for a security freeze they sent me out paperwork with asking me to send my proof of address and identity and I tried no response there email address is sagestreamll.co and called XXXX XXXX XXXX please help me fime a complaint on them they never answer phone after I filed for a freeze

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
On XX/XX/XXXX, I have disputed and requested investigation through XXXX credit reporting Co about complaints of re-aging a negative and erroneous collection report from Portfolio Recovery A ( collection agency ). XXXX  and Portfolio Recovery A has not provided my consumer disclosure file under FCRA Section 609 ( a ) ( 1 ) and has not provided me with the date of first delinquency, nor the FCRA compliance date and the name of the party who reported the date of first delinquency ) The original creditor XXXX acct ending in XXXX is showing a balance of {$510.00}, which XXXX had reported first delinquency date before XX/XX/XXXX. However, ( Portfolio Recovery A ) continues re-aging an erroneous first delinquency date that should have been deleted from my XXXX credit report this year on XX/XX/XXXX. Portfolio Recovery A ( the collection agency ) has re-aged this account again and is showing that the original creditors ( XXXX ) date of first delinquency has been revised to XX/XX/XXXX, which is erroneous and harmful. I am requesting a deletion of this account immediately and am filing a formal complaint against Portfolio Recovery A and XXXX  credit reporting Co for illegal re-aging practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I did not authorize XXXX  XXXX XXXX Auto Financing Companies to run a hard inquire credit check. I was not even in the country - for the dates the inquire was made ( Please see the attached docs ). Please have XXXX XXXX remove all inquiries appearing on my credit history.

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 2020-07-11 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I did not authorize XXXX  XXXX XXXX Auto Financing Companies to run a hard inquire credit check. I was not even in the country - for the dates the inquire was made ( Please see the attached docs ). Please have XXXX XXXX remove all inquiries appearing on my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I did not authorize XXXX  XXXX XXXX Auto Financing Companies to run a hard inquire credit check. I was not even in the country - for the dates the inquire was made ( Please see the attached docs ). Please have XXXX XXXX remove all inquiries appearing on my credit history.

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 2020-07-11 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: NV

Complaint narrative:
These are not my accounts, unauthorized inquiries, nor did I live at these addresses.

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 2020-07-11 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: NV

Complaint narrative:
These are not my accounts, unauthorized inquiries, nor did I live at these addresses.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11 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: NV

Complaint narrative:
These are not my accounts, unauthorized inquiries, nor did I live at these addresses.

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 2020-07-11 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XX/XX/2020 XX/XX/2020 Sent 609 letters for verification for old debts and wanted them to be removed due to it being incorrect and old

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
Citibank. Cut my limit from XXXX to XXXX I owe XXXX was never late and never missed a payment since having the card they hurt my credit rating and caused undo stress in these hard times this happened on XX/XX/2020 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 2020-07-11 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: EQUIFAX, INC.
State: MN

Complaint narrative:
on XX/XX/XXXX I was at XXXX XXXX inquiry on vehicle as questions I was told they would do soft inquiry to see about pre approval amount that I may Qualify for. I was amazed on XXXX XXXX these Inquires on my credit report that I have no knowledge of. Here is list of Inquires XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX slap in face if I would of known they were going to run Hard Inquires with out my permission I would of done this my self at Banks I prefer to go through.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
I have a credit card account with Barclay Bank, and I have been calling them since XXXX to speak with someone in regards to cancelling a transaction I did not approve. Just this week I had another transaction I did not approve. I have been trying to cancel the card since no one ever answers the phone. I have called them several dozen times and wait on hold and have never been responded to. I wait up to an hour at times and no answer. 

When I call Barclay Bank and enter my credit card number it says the credit card information is not recognized. I have tried several different Barclay phone numbers in hopes of getting in touch with someone, but it continues to lead to wasting my time and further frustration.

I tried to log in online to contact them and it won't allow me to. It has nothing to do with account information, password, etc. I know my accounts well. I have been trying all day so far even calling their regional offices and I even tried XXXX and XXXX to get someone. I am beyond frustrated and am worried about my account, but they just don't get back to you. I don't know what to do at this point I am dealing with a company with horrendous customer service and need assistance.

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 2020-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
The company XXXX XXXX ( XXXX at XXXX XXXX ) has an account on my credit file that is 7 years old that has been sold to multiple companies removed and placed back on my file.

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 2020-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Atlanticus Services Corporation
State: NY

Complaint narrative:
Received a letter from them stating I had applied for credit and requested documentation. 

Original Pay Stub Copy of Social Security Card Copy of last tax return Original recent utility bill I have never head of this company or applied fro credit from them. I haven't applied for any credit since XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Real Time Group, Inc.
State: DC

Complaint narrative:
Real Time Resolutions Inc. have been dishonest in their reporting and collection practices regarding a mortgage loan that was closed and charged off by XXXX XXXX on XX/XX/2012 and then it was transferred to Real Time. Acct XXXX. XXXX XXXX sold the loan to Real time and now I am a victim of Real Time false and misleading representation and false Debt Collection Practices. I have filed complaints thru all credit bureau and real time continues to report that the loan is Active ... and I'm 120 days delinquent. However that loan has been closed since 2012, charged off, and past the statue of limitations to collect. I'm in severe hardship thru this pandemic and real time erroneous reporting has caused me adverse hindrance because I have tried to refinance my current mortgage and was denied due to them. Please help me by making them remove from my reports because it's also 7 years past the date of last payment. I don't owe this close and charged off debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX. Cut my limit from XXXX to XXXX I owe XXXX was never late and never missed a payment since having the card they hurt my credit rating and caused undo stress in these hard times this happened on XX/XX/2020 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
As of XX/XX/20, PNC bank will has made a change [ to my account ] that prevents you from being able to link accounts. The app Im trying to link online banking to is XXXX. I was asked if Id like to file a complaint and I am.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: V and H Portfolio
State: GA

Complaint narrative:
I sent a letter to this company dated XX/XX/20 to verify this debt. I received the attached reply back dated XX/XX/20, but it did not supply all of the requested information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital one says I owe 2 credit cards in the amount of {$940.00} and {$1100.00}! If they dont get these off my credit report. I will sue them for false reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XX/XX/2020 XX/XX/2020 Sent 609 letters for verification for old debts and wanted them to be removed due to it being incorrect and old

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 2020-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XX/XX/2020 XX/XX/2020 Sent 609 letters for verification for old debts and wanted them to be removed due to it being incorrect and old

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 2020-07-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
on XX/XX/XXXX I was at XXXX  XXXX  inquiry on vehicle as questions I was told they would do soft inquiry to see about pre approval amount that I may Qualify for. I was amazed on XXXX XXXX these Inquires on my credit report that I have no knowledge of. Here is list of Inquires XXXX XXXX, XXXX   XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX slap in face if I would of known they were going to run Hard Inquires with out my permission I would of done this my self at Banks I prefer to go through.

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