vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
On my reports there is a closed account with huge amount of missed payments. CAPITAL ONE BANK USA NA # XXXX, Date Opened : XX/XX/2015. Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA CAPITAL ONE BANK USA NA has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
On XX/XX/XXXX {$680.00} was loaded onto my Nevada unemployment card. I went and purchased cigarettes from a XXXX down the street from my house in XXXX, NV and went to bed. In the morning, when I went to use the card, all of the money had been removed from an atm in XXXX XXXX, NY. I immediately contacted Bank of America and notified them of the fraudulent charges. They closed my card, ordered a new one and opened a claim to look into the fraud. When I received the new card on Friday XX/XX/XXXX, I was unable to activate it as my entire account had been closed due to fraud and there was no way for me to reopen it. I was instructed to contact unemployment. I called unemployment, they instructed me to send a copy of the front and back of my driver 's license and social security card to them and that one of their investigators would look into the issue and that I would not be getting paid but to keep filing. They could not tell me why I had been flagged as fraudulent or how long it was going to take. I called back today, XX/XX/XXXX as a payment was in fact released to my account for this week and I wanted to know where it would go. The gentleman informed me that I would have to wait for their system to recognize I was due a paper check which could take 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 monetary relief
Consumer complaint received 2021-02-22 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Hello, I had disputed some accounts to be removed from my credit report by all three credit bureaus between on XX/XX/XXXX through XX/XX/XXXX. I have already contacted all three credit bureaus as well as the company that is reporting on the accounts. Please refer to the attachments. The original account names were XXXX XXXX XXXX XXXX| Account Number XXXX XXXX XXXX XXXX XXXX| Account Number XXXXxxx XXXX / XXXX / XXXX Account Number XXXX PORTFOLIO RECOVERY ASSOCIATES| XXXX XXXX XXXX xxxxxxxxxxxx XXXX XXXX XXXX XXXX| xxxxxxxxxxxx XXXX XXXX xxxxxxxxxxxx XXXX I have reached out to these companies stating that these accounts have nothing to do with me. They once again are charging me for it. I have sent proof and notarized letters to all three-credit bureau. Please help me out. I have reached out to XXXX, XXXX and XXXX. They are not wanting to help even with the proof that has been provided. I am even having issues with XXXX XXXX XXXX  Account Number XXXX**** over my school loans, I attended XXXX XXXX  from XXXX, they made me take put loans and even promised me internships and jobs but did not deliver. The school closed down and none of the credits are transferrable to other colleges. They even made my mother take out a separate loan, were still stuck trying to figure out how we ended up with multiple loans. Once again please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Hello, I had disputed some accounts to be removed from my credit report by all three credit bureaus between on XX/XX/XXXX through XX/XX/XXXX. I have already contacted all three credit bureaus as well as the company that is reporting on the accounts. Please refer to the attachments. The original account names were XXXX XXXX XXXX XXXX| Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX ADS / Community / XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX xxxxxxxxxxxx XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX have reached out to these companies stating that these accounts have nothing to do with me. They once again are charging me for it. I have sent proof and notarized letters to all three-credit bureau. Please help me out. I have reached out to XXXX XXXX  and XXXX  They are not wanting to help even with the proof that has been provided. I am even having issues with XXXX XXXX XXXX Account Number XXXX over my school loans, I attended XXXX XXXX from XXXX, they made me take put loans and even promised me internships and jobs but did not deliver. The school closed down and none of the credits are transferrable to other colleges. They even made my mother take out a separate loan, were still stuck trying to figure out how we ended up with multiple loans. Once again please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Conn's, Inc.
State: TX

Complaint narrative:
While I made every effort to pay my debts and fulfill my responsibilities, in this instance XXXX XXXX was unfortunately unable to do the same. I have since gotten any letters through mail or email stating this debt has been paid in full and the account will be reported to all three-credit bureau. I've spoken to several of their representatives such has XXXX XXXX on XX/XX/2020 & XXXX XXXX on XX/XX/2020 about my account and both ladies took notes and gave accusation such as : on XX/XX/2020 the account will be officially closed on their end and give 21 days afterwards for the updates/process. I was also supposed to receive a call from their Attorney XXXX XXXX after speaking with another representative on XX/XX/2020 and to allow 24 -- 48 hours to hear for a response. Also, on XX/XX/2020 a representative stated it does " shows in their system that an attorney is aware that nothing has been filed or sent out ''. On XX/XX/2020 I spoke with XXXX XXXX and again nothing was resolved, I couldn't get any answers as to why my account hasn't been updated. Now I know that everything has been delayed due to the pandemic/Covid-19 but do not give a customer false information/misworded information if you are not going to meet the accommodation. The loss of customer respect/trust has been ruined. I just want to know why hasn't there been any information reported to " Conns Credit Corp '' about this account and why haven't I yet receive a letter about the account being resolved? We are in a new year and it going on 1 year since anything has been done about this account. I need answers and i need them now. I've learned this the hard way once any company sell your debt to a collection agency, they also write off your debt on their taxes which write off your obligation to pay. You can dispute the transaction via dispute.XXXX along with any other collection agency owned items lingering on your report. Your dispute reason is " contract was cancelled '' and write " no contract '' in the dispute comments. Peace and love to all! Knowledge is power! : ) I hope this help someone in the future I basically got scam out of {$1300.00} to a company i should have never paid to begin with. : )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: HYUNDAI CAPITAL AMERICA
State: VA

Complaint narrative:
A check for the pay-off amount was sent to Hyundai Motor Finance on XX/XX/XXXX, it was received by the company on XX/XX/XXXX and the funds were posted on XX/XX/XXXX. I called on XX/XX/XXXX to determine how long it would take for the payment to be reflected. I was advised the check could not be located. I confirmed with my financial institution the funds were released and the payment was processed by Hyundai Motor Finance. I continued to call every week at least 2 times a week for the next 2 weeks but each time I was told the check could not be located. On XX/XX/XXXX, I was told by Hyundai to file a missing payment request by fax. I went to XXXX XXXX and faxed a statement of the situation along with the front and back of the processed check. XXXX XXXX then noticed that the account number on the draft did not match my account number. I was told by Hyundai to wait 2-3 business days for the fax to be reviewed. On XX/XX/XXXX I called with a XXXX XXXX agent on the line with me. We were told that the check was located and that the situation was being researched and to wait 3-5 business days. When I called back on XX/XX/XXXX I was placed on hold for over an hour so I called back on XX/XX/XXXX. I was then told that there was not update on the missing payment and that my account was now past due and incurring late charges. When calling on XX/XX/XXXX, I was then told to wait an additional 3-5 business days for the research to be completed. Each time that I call the company I am placed on extremely long hold periods and then after waiting the line disconnects. This entire time period I am carrying 2 loans for the same vehicle and it is impacting my credit. I am not getting any assistance from Hyundai to resolve this issue and I am at a loss on how to get this resolved before it begins to severely impact my credit.

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 2021-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
According to American Express, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX has unlawfully changed the mailing address on my American Express account ending in XXXX on 5 different occasions since XX/XX/2020. These address changes were executed without my authorization and outside of my knowledge. Account statement including sensitive information about my identity and financial account were sent to an address starting with XXXX XXXX XXXX ( the rest of the address was redacted ) on 5 occasions during the past 90 days causing me harm and costing me countless hours of work trying to remedy the issue with both XXXX and American Express to no avail. The unauthorized address changes keep happening. For the record, XXXX is a debt collection company, however, my American Express account is current and not in arrears so the the reason why XXXX has access to my account is unknown.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX '' It has been 180 days i received an email to withdraw my funds but they are not letting me add my debit card to withdraw my funds. 

They need to restore my account so i can withdraw my funds

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
MY MORTGAGE COMPANY LOANCARE IS CONTINUING TO TAKE MONIES FROM ME I DO NOT OWE. IN XX/XX/XXXX MY HOMEOWNERS INSURANCE WAS DUE. MY INSURANCE COMPANY PEOPLES TRUST WAS PROPOSING TO CHARGE ME {$2800.00} FOR INSURANCE. I MADE ARRANGEMENTS WITH MY MORTGAGE COMPANY TO LET ME PAY A MONTHLY AMOUNT UNTIL THE INSURANCE INCREASE AMOUNT WAS PAID. THE AMOUNT WOULD BE {$20.00} MONTHLY. AFTER I CONTACTED MY INSURANCE AND AFTER MY HOME WAS INSPECTED THE INCREASE DID NOT TAKE PLACE. MY INSURANCE DECREASED TO {$2100.00} FOR THE YEAR. MY MORTGAGE COMPANY CONTINUES BILLING ME FOR THE {$20.00} UP TO KNOW. I HAVE CALLED SEVERAL TIMES. I FILED A XXXX COMPLAINT ON XX/XX/XXXX .I WAS CALLED ONCE SINCE THEN I WAS TOLD MY ACCOUNT WAS BEING LOOKED INTO. I KEEP CALLING LOANCARE .NO ANSWER THE MESSAGE IS LONG WAIT TIMES TO GO TO THE WEBSITE. I HAVE NOT BEEN ABLE TO GET INTO THE ONLINE ACCOUNT SINCE XX/XX/XXXX WHEN THEY BECAME MY MORTGAGE COMPANY. I CANT SEE WHAT I OWE ON THE HOUSE .I CANT SEE MY PAYMENTS TO MATCH WITH MY BANK STATEMENTS. I WANT MY ACCOUNT UPDATED .I WANT TO BE ALE TO GET INTO THE ONLINE SERVICES. I WANT MY MORTGAGE AMOUNT CORRECTED. PLEASE ANY HELP YOU CAN PROVIDE WILL BE GREATLY APPRECIATED. 

THANK YOU

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 2021-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have been with Bank of America for 29 yrs. They have targeted me the last 3 yrs vying for me open up a Business Checking Account with a {$750.00} cash bonus for a balance of XXXX in new deposits and 5 qualifying electronic payments within 75 days. I tried unsuccessful at 2 branches before getting into XXXX XXXX branch in XXXX. I was told by XXXX XXXX the Small Business Consultant and XXXX XXXX that transfers between my personal checking and the new Business Checking would count towards the 5 qualifying electronic payments. I was very specific with asking both of them how I needed to meet the requirements for the bonus. For that was the only attraction for me to bring in XXXX of new money. I also would have never done the transfers for any other reason other than meet requirements, for my balance was always above XXXX. I am seeking the {$750.00} bonus that was promised and would like Bank of America to deposit into my Business Checking within 30 days. For I tried to make a appointment with XXXX to discuss, but when I arrived for the appointment she didn't have time for me, for unexplained reason! Ultimately the Branch Mgr said he would call by end of day and never did. I am deeply troubled that I wasted my time opening the account only to be mislead by 2 employees at the branch, who were confident in telling me the transfers would count towards bonus achievement.

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 2021-02-22 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: Global Lending Services LLC
State: GA

Complaint narrative:
Hello Seems like some one else ( a female person ) has or is using my SSN

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 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: IL

Complaint narrative:
This is regarding a debt with Midland Credit Management. It stated in a letter the original creditor was XXXX XXXX. I sent a letter to Midland Credit Management last year via USPS mail asking for validation of the debt. As of today, I have not received any legitimate validation. I have know knowledge of this debt and disputing this debt. I understand its a pandemic, and things are a little slower, but its been almost a year since I asked for this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 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: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX - XXXX Inquired on XX/XX/XXXX, XXXX/XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION
State: SC

Complaint narrative:
Employer suspended, or separated me from the company due to a Flag on third party background check. I have personally called the background check company First Advantage and properly filed a dispute. I have provided them the court summary letter and expungement record signed by a Judge and stamped stating so. They have claimed that they are reporting this information from the court house. I have personally called the court house along with XXXX, and XXXX, which they claim to have no record in there database.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rozlin Financial Group, Inc.
State: CA

Complaint narrative:
This collection company ( ROZLIN FINANCIAL GROUP ) is trying to collect on a fraudulent debt ( {$25000.00} ). I NEVER agreed to this debt ( {$25000.00} ) and have no idea on where the amount they are trying to collect on is from. I have asked numerous times to show proof of debt and they refuse to provide any proof i owe this debt. I have disputed through the credit bureaus ( XX/XX/2021 ) as well with no resolve.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 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:
There is an XXXX XXXX on my Experian credit report that is not mine - this card was not opened by me and does not appear on my report for any other credit bureau. I only have one account open with XXXX - I have paid it off entirely and never been late. The other card that I don't have any information for, thus is evidently fraudulent is overdue and maxed out. They are alerting me that the company ( XXXX ) said it is mine, so after the initial dispute they put the card back on my acct ; however, at this point, it is evident that it is fraudulently opened with my social security number. I need to have this account removed and investigated for fraud.

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 2021-02-22 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: NY

Complaint narrative:
I DID NOT AUTHORIZE THESE COMPANIES TO RUN MY CREDIT I NEVER WENT TO THEM FOR AN ACCOUNT THIS IS FRAUD AND NEEDS TO BE REMOVED ASAP FROM MY CREDIT REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 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: NY

Complaint narrative:
I DID NOT AUTHORIZE THESE COMPANIES TO RUN MY CREDIT I NEVER WENT TO THEM FOR AN ACCOUNT THIS IS FRAUD AND NEEDS TO BE REMOVED ASAP FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I AM XXXX XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF. 

I have been disputing incorrect information on my credit reports since XX/XX/2020. I have been disputing continuously with all three bureaus on multiple occasions. I still have not received a response from them most of the time, this is unacceptable! XXXX, TransUnion and XXXX need to respond to my disputes as well as needing to have these items removed from my report as this is inaccurate information.

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