vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
XXXX  XXXX  knowing let my XXXX  use my information to buy a car I did not sign a contract she had no power of attorney she went in to buy a car her credit didnt go through XX/XX/XXXX they allowed her to use my information sign the contract and drive off she returned the car XX/XX/XXXX was told they would give her the refund back and end contract only to denied it on XXXX I found out on that day I went in to dealership and informed them that I did not want said car and wanted out of contact they informed me that I gave them a verbal power of attorney which I did not and its not legal Ive let Capital One know what was happening and they are not helping either I just want out on this deal

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-30 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: Navient Solutions, LLC.
State: MD

Complaint narrative:
I submitted a dispute letters in order to have accounts deleted because the information reported was incorrect. Instead of deleting the accounts they claim they updated information. There is no information updated or changed with the accounts I am disputing they still have incorrect information listed. I want every closed student loan account deleted from my report. The information being reported is inaccurate when I sent my dispute letters I sent proof along with the info as to why they needed to delete the loans off my report. Nothing was deleted claim to have updated the info but everything is exactly the same. It is their responsibility to report every account with accurate information and they have failed in this department.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 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: MD

Complaint narrative:
I submitted a dispute letters in order to have accounts deleted because the information reported was incorrect. Instead of deleting the accounts they claim they updated information. There is no information updated or changed with the accounts I am disputing they still have incorrect information listed. I want every closed student loan account deleted from my report. The information being reported is inaccurate when I sent my dispute letters I sent proof along with the info as to why they needed to delete the loans off my report. Nothing was deleted claim to have updated the info but everything is exactly the same. It is their responsibility to report every account with accurate information and they have failed in this department.

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 2020-09-30 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: AES/PHEAA
State: MD

Complaint narrative:
I submitted a dispute letters in order to have accounts deleted because the information reported was incorrect. Instead of deleting the accounts they claim they updated information. There is no information updated or changed with the accounts I am disputing they still have incorrect information listed. I want every closed student loan account deleted from my report. The information being reported is inaccurate when I sent my dispute letters I sent proof along with the info as to why they needed to delete the loans off my report. Nothing was deleted claim to have updated the info but everything is exactly the same. It is their responsibility to report every account with accurate information and they have failed in this department.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Torres Credit Services, Inc.
State: NJ

Complaint narrative:
On XXXX, XXXX, after pulling my credit report, I notice multiple unknown accounts on it that did not belong to me, doing my own research and asking for some help from a friend of mine, he recommended me to to start disputing the inaccurate information, So I did. I started my journey of disputing the accounts that were not mine On/or about XX/XX/XXXX, as of now, XX/XX/XXXX, I had submitted my documents to the Credit Bureaus several times. I recently went to file an Identity Theft Police Report just as the Credit Bureaus requested. Just a few days ago, I received a collection letter from TORRES CREDIT SERVICE collecting on an alleged debt with XXXX XXXX XXXX, I definitely do not recognize this debt, it has nothing to do with me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 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: GA

Complaint narrative:
I submitted a complaint for belief in being a victim of identity theft and needed to have a list of documents I submitted a package via certified mail containing the documents needed to resolve this issue, via Section 605B of the Fair Credit Report Act. Their investigation has closed, yet those items are still on my credit report. Please block these items as soon as possible. I have attached the original documents showing when they were sent.

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 2020-09-30 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I submitted a complaint for belief in being a victim of identity theft and needed to have a list of documents I submitted a package via certified mail containing the documents needed to resolve this issue, via Section 605B of the Fair Credit Report Act. Their investigation has closed, yet those items are still on my credit report. Please block these items as soon as possible. I have attached the original documents showing when they were sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I have two checking accounts with Capital One Bank. One account I do not have a physical checkbook for shows a customer withdraw of {$2500.00}. I did NOT withdraw funds from that account in that amount, nor did my husband. I called the Capital One fraud department and they placed me on hold and transferred me multiple times, only to hang up on me and NOT call me back. I called once more and sat on hold for 30 min to find out the withdraw was a " bank error '' and that it was not fraud. I was told my funds would be refunded. This was suspicious to me so I called back. It seems as though a bank employee took funds from my account as they have NO explanation how the funds were withdrawn. Just stated bank error and they were NOT going to open an investigation and would NOT provide me with the withdraw slip or check that corresponds with the withdraw. This is highly suspicious. I want an investigation opened as to how the funds were withdrawn from my account. And, why could they not immediately credit back my funds. I am to wait DAYS to get money back from their supposed error. {$2500.00} is a lot of money to disappear from an account, especially the end of the month when I have bills due. Please help me open an investigation as to why these funds were withdrawn.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
On XX/XX/2020, I received a letter from PHH dated XX/XX/2020. I placed a call to PHH on XX/XX/2020. I introduced and verified my identity and told the representative that I am calling about the letter I received on XX/XX/2020. Then I introduced my daughter, XXXX XXXX, and asked if she can speak on my behalf. The representative spoke with my daughter and I about my concerns. While speaking with the representative, my daughter asked that she would like to know what can be done if we did not have the lump sum amount that will be due on XX/XX/2020. She also asked if I would be qualified for a modification or refinance. The representative told us that it was too early to determine any course of action. Then my daughter asked, when it would be an appropriate time to reach out back to the bank. The representative told us we should reach out to them in XXXX or XX/XX/2020. My daughter wrote the months down so we can remember to reach out to the bank. 

A second letter was received on XX/XX/2020, dated XX/XX/2020, and I reached out to them on XX/XX/2020. The representative stated that PHH is a Servicing Company and that PHH will not be doing a modification. They suggested that we should speak to the refinance department, which they tried to transfer me over but they were having trouble with the connection. Every time they transferred us over, the phone would hang up. However, I called back PHH to let them know that the call did not go through and they transferred me again but the call still could not go through. The representative had given me the number for the refinance department XXXX XXXX XXXX XXXX which I also tried calling but could not get through to them. 

On XX/XX/2020 the same day, after trying to get the issues resolved with PHH with no clear direction, I reached out to XXXX XXXX for help in resolving the issues and they have been in contact with PHH on my behalf since then. 

On XX/XX/2020 XXXX sent a complete package to PHH for them to consider a modification on the loan so that it will give me time to pay the amount that is due. However, they did not even review the information that was sent, they automatically rejected the document because they stated that I did not reach out to them until after six months.

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 2020-09-30 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: IL

Complaint narrative:
Experian and XXXX are fraudulent on my following accounts : XXXX XXXX XXXX XXXX XXXX is fraudulent on my Acct # XXXX. 
XXXX/XXXX is fraudulent on my Acct # 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 2020-09-30 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have disputed this account ( XXXX XXXX XXXX ) on my credit report several times with Experian dates are,XX/XX/XXXX Report Number : XXXX, XX/XX/XXXX Report Number : XXXX, XX/XX/XXXX Report Number : XXXX, XX/XX/XXXX Report Number : XXXX, XX/XX/XXXX Report Number : XXXX, XX/XX/XXXX Report Number : XXXX, XX/XX/XXXX Report Number : XXXX and each time they keep coming backed verified and when i asked how did they verified more than one representative said to me that they don't verify or investigate they only get a digital verifications from the creditor and that's what they use to verify an account. That account was not authorize by me nor did i approved my information to that company, i have tried asking this company several times to send me information showing my information that was used like ID, signature and address which they send over and signature which is not mines, no ID and the address they are showing they send my info too is listed in Texas but i been living in NJ for over 13 years and have never lived in Texas. I asked Experian to please investigate and verify my claims but yet still they are not and by law and the fair credit act i have a right to have and item investigated and removed if its not mines or not reporting proper information. The dates of the inquires don't add up on my credit report along with the account date open. I don't believe Experian are trying to do the right thing and they need to do a better job with verifying and helping the consumers. I would like to have this account deleted by Experian with no exception because they are not doing there job. I even send over supporting documents to them on XX/XX/XXXX by certified mail tracking # XXXX to support my claims and will be sending over to you as well. The fair credit act are there in place for consumers and by law we have rights but Experian is not following the law only making they own and allowing companies to report anything because they know Experian don't verify anything.

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 2020-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Navient financial continues to send me erroneous debt collection emails. I have repeatedly asked them to remove my email address and to cease all communication with me. 
I have no relationship with Navient and their continued threatening email is very unsettling. 

I just want their erroneous threats to stop. 

Below is the latest email I have received from them : Last Day to call this office XXXX by XXXX Regards, XXXX XXXX Team Lead Specialist Charge off Unit XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-30 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: EQUIFAX, INC.
State: CA

Complaint narrative:
This complaint is with Exquifax. On XX/XX/XXXX I sent a certified letter disputing the multiple hard inquiries on my account. Specifically the 3 inquiries made by XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I am also disputing the 2 hard inquiries made by XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. I believe that Equifax did not do a reasonable and thorough investigation of these items. I purchased a rental house XX/XX/XXXX other than that there does not seem to be any reasonable and legitimate business purpose to take out 5 inquiries. I have 2 major concerns. One is that there is someone who has access to my data. The other is that I will look like a poor credit risk to a lender because there are so many inquiries on my file. ( a total of 7 now )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payments on the dates below : JPMCB AUTO, Account : XXXX for XX/XX/2020. I was never 30 days late. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me or the Auto payment was and error on JPMCB end. I've called JPMCB and was told to call the 3 Credit bureaus about the errors reporting on my file

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I opened a PNC Account on XX/XX/XXXX giving the bank attendant my PA Drivers license that states my name, XXXX XXXX. The person who opened the account for myself, and my son stated that they ( PNC ) had me in their system from back in XXXX as XXXX XXXX, my then married name and that it would be easier if I kept my name as it was in their system even though I gave her my drivers license stating my name as XXXX XXXX. I called on XXXX XXXX, XXXX and asked to close my account since I had seen that my son had changed the overdraft protection on the account and that there was a negative balance of $ XXXX. I called the PNC Bank ( location XXXX XXXX XXXX, XXXX XXXX, PA XXXX ) asking if I could make an appointment to come in and pay off the negative balance and then close the account. They said I would have to bring my divorce decree showing the name change ...!!!???? I was divorced in XXXX and do not have such paperwork anymore nor should I have to since I didn't sign up as XXXX XXXX because that is not my name anymore! It was in XXXX but I opened this account in XXXX using my name XXXX XXXX. They won't let me close my account because of their own choice of what my name should be.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FC HoldCo LLC
State: AZ

Complaint narrative:
Flagship filed a false response to an earlier complaint stating we could have a one month extension. Yesterday, XX/XX/XXXX, I received a call from XXXX at Flagship staying we could not have an extension. The Flagship employees do not talk to each other. Obviously, XXXX and XXXX DO NOT know what each other is doing with our account. My new job start date was delayed due to the background check. I started on XX/XX/XXXX and will not receive my first check until XXXX. The co-borrower starts their new job on XXXX and will not receive their first check until XX/XX/XXXX. Hopefully, Flagship will not continue to constantly call so we will not loses these jobs and put us further behind!!! They are harassing us!!! We know we owe them!!! Our other car loan company has been very gracious and understanding - Flagship should take a lesson from them!!!

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 2020-09-30 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: IL

Complaint narrative:
XXXX  and TransUnion are fraudulent on my following accounts : XXXX XXXX XXXX  XXXX XXXX is fraudulent on my Acct # XXXX. 
XXXX  is fraudulent on my Acct # 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 2020-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: United Collection Bureau, Inc.
State: FL

Complaint narrative:
XX/XX/2020 To Whom It May Concern : On XX/XX/2020, I have received a communication letter from a collector agency indicating the account balance that I owed to a credit card {$220.00} ( by the way, the statements of the credit card never reached my apartment due to the credit card statements was missing my apartment number ). The account is already closed. I communicated with the credit card company and asked them if they know anything about it. The credit card company double checked and said that nothing was wrong with my new credit card. They don't know anything about the closed account or the balance that I owned. 
The account balance was {$220.00}, according to the collector agency. Then I disputed the charges writing a letter to the collector agency. The collector phoned me and asked my apartment number to send me those statements. 
I received the credit card statements and I saw my apartment number was missing. Because the apartment number wasn't there, I thought that maybe that was the mistake. I don't remember having that credit card number before. On XX/XX/2020, I sent a check paying the full amount of the debt, {$220.00} in one installment, according to the communication letter that sent me on XX/XX/2020, by the collector agency. As I said, the account is closed. I'm a low-income senior, so I have decided to check my Credit Journey with my bank, and my bank informed me that my credit passed from poor to Fair after paying the full amount of the debt. That was great news for me. 
Then I have received another communication letter stating that I still own a debt of the closed account. The debt corresponds to the interest amount of {$49.00}, and I should pay that amount by XX/XX/XXXX. I complained to XXXX, explaining that I paid the full amount of {$220.00} on XX/XX/XXXX and according to the communication letter received, and I don't owe anything anymore. XXXX  sent me a notification indicating that I will get an answer on XX/XX/XXXX. So, getting an answer from XXXX  after XX/XX/XXXX, means that I should pay more fees? What is the end of all of this? 

Best Regards,

Company response to consumer: Closed with explanation