vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-03 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: MA

Complaint narrative:
Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BBVA FINANCIAL CORPORATION
State: AZ

Complaint narrative:
This is tied into complaint XXXX In order to give me access to the billpay service without a cellphone, a BBVA employee put in I'm guessing his or her cellphone number to bypass the system and activate the billpay. 

I was gravely concerned by this and contacted BBVA many times to get information on this number that was added to my profile that is NOT in anyway shape or form my number. I was ignored. 

I immediately stopped my direct deposit, and withdrew all my funds to protect myself from a loss because I was worried that the BBVA employee that put in his or her number on my account may quit the bank and then clean out my account. 

BBVA has now closed the billpay service and the checking account, but that false number is still there in my overall profile and now attached to my credit card. I'm not so worried about anyone stealing money from my credit card because I have enormous consumer protections from Reg Z, but BBVA might be worried about taking a loss because of FALSE information in customer profiles that was made up by its own employees. 

I emailed customer service on XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, and XXXX. 

I've received useless responses especially from XXXX XXXX who pretty much said a whole lot of nothing, and then refused to respond to my final three desperate attempts to get this problem fixed. 

I want the FALSE information removed from my account profile. I'd do it myself, but the system sends a text message to the number that's not mine and has never been mine so I can enter the code and delete it, and I suspect if I could, it would want me to put in a new cellphone number. 

I have NO phone service at this point of any kind : no land line nor cellphone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I have attempted to use my card since XXXX that the Bank of America issued on behalf of the State of CA for XXXX. The bank states that they needed information from CA in regards to fraud. CA stated that they have not issued any blocks on my card. I have been back and forth so many times and have spent over 6 hrs on the phone one evening. No one is taking responsibility. Finally, the other night an XXXX employee told me the only solution was to file a complaint with the CFPB.

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 2021-04-03 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: MO

Complaint narrative:
PayPal has permanently locked me out of my account when I have done nothing wrong and submitted all the required documents and I have XXXX sitting in limbo and need access to MY MONEY!! The email linked to the account is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 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: TN

Complaint narrative:
XXXX XXXX Transunion both have a debt listed on my credit report as " XXXX XXXX XXXX  '' or " XXXX ''. These are medical debt that have previously been removed from my report and marked as identity theft -- The original creditor, XXXX XXXX, was informed and subsequently removed the accounts from my report. 

However, the debt was sold ( again XXXX and now the new debt collection agency ( XXXX XXXX listed the items on the credit report. When attempting to dispute the items XXXX  correctly removed the debts, but Transunion and XXXX both XXXX  verified the information as accurate ''. 

In my dispute I CLEARLY asked for proof of debt as per section 609 of the Fair Credit Reporting Act-a creditor or collector must provide you with a copy of the original, signed consumer contract, sales agreement, or other initiating documentation XXXX financial responsibility agreement for medical bills ) once it is demanded by a consumer. Not only did they not provide this documentation -- they simply left the information on my report. 

This is also a potential HIPAA violation. Providing said documentation would be a direct HIPAA violation- as it would disclose medical diagnoses and test performed to whomever the actual owner is!

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 2021-04-03 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: TN

Complaint narrative:
Experian XXXX XXXX  both have a debt listed on my credit report as XXXX XXXX XXXX XXXX  '' or " XXXX ''. These are medical debt that have previously been removed from my report and marked as identity theft -- The original creditor, XXXX XXXX, was informed and subsequently removed the accounts from my report. 

However, the debt was sold ( again XXXX and now the new debt collection agency ( XXXX  ) listed the items on the credit report. When attempting to dispute the items Equifax correctly removed the debts, but XXXX XXXX Experian both " verified the information as accurate ''. 

In my dispute I CLEARLY asked for proof of debt as per section 609 of the Fair Credit Reporting Act-a creditor or collector must provide you with a copy of the original, signed consumer contract, sales agreement, or other initiating documentation XXXX financial responsibility agreement for medical bills ) once it is demanded by a consumer. Not only did they not provide this documentation -- they simply left the information on my report. 

This is also a potential HIPAA violation. Providing said documentation would be a direct HIPAA violation- as it would disclose medical diagnoses and test performed to whomever the actual owner is!

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 2021-04-03 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: LA

Complaint narrative:
The accounts listed on my credit aren't mine! Please remove 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 2021-04-03 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: LA

Complaint narrative:
The accounts listed on my credit aren't mine! Please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My experian.com membership was logged into, the type of account was changed, and my account is now a XXXX, {$26.00} per month billed account. I am being asked to pay {$26.00} past due balance if I want to access the experian.com online account. They have also added addresses, and other personal information which are not mine. I can no longer check to see what they have added last. The telephone customer service line disconnected me after I entered my social security number several times by phone. They are accessing my account to cause credit issues, add addresses, theft, and stalk through transaction activity online. There have also been changes to my open accounts.

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 2021-04-03 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:
There are accounts on my credit report that are not mine. Please remove 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 2021-04-03 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:
There are accounts on my credit report that are not mine. Please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 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: FL

Complaint narrative:
MY CHILDREN HAVE A CREDIT REPORT, THIS IS FRAUD AN EQUIFAX DOESNT SOLVE THE PROBLEM

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 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: NJ

Complaint narrative:
I've been contacting Transunion off and on for a while now regarding errors on my account. I currently have some accounts on my report that do not belong me and needs to be deleted.

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 2021-04-03 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: NJ

Complaint narrative:
I have 2 accounts that were purchased by a collection company and they, opened the REAged the debt. The collection agency has re-ors date of first delinquency. Experian has not removed off my credit report even after I disputed. 
1 ) XXXX XXXX XXXX  Account Number XXXX Reported I Opened XX/XX/XXXX INCORRECT DATE I opened in XXXX. Collection amt {$450.00} also this co. 
2 ). XXXX XXXX, XXXX Acct XXXX reported I opened XX/XX/XXXX NOT TRUE. XXXX WAS opened in XXXX. 
Please have them remove this. These accounts were NEVER OPENED IN 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 non-monetary relief
Consumer complaint received 2021-04-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital one ran two hard inquiries for a secured credit line, bringing my credit down 17 points, devastating as the secured credit card is for helping build credit and the creditors take zero risk as I cant spend over my own deposit,. This act is predatory and no reason for two hard inquiries for a credit line that was excepted? was also told it would be a soft i inquiry as its a secured credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIDELITY CAPITAL HOLDINGS, INC
State: TX

Complaint narrative:
A medical XXXX company is trying to collect a debt for services that I nor anyone in my family received. We do not nor did I or my family live in the state durning the time they are trying to say they provided services. We have asked the 3 major credit reporting companies for a couple years now to please dispute this, if we could call in or provided documentation of us living in another state. We have bought a house, car major bills all in another state for years and durning the time they are saying we had services. This is ruining my credit. I want to know how else I can personally ally prove this is not me. Everytime I dispute with the credit bureaus they never ask us for any proof they just say the company came back and said this is our bill and the collection will remain. This company has started to call random people they think we know and give our personal information out and we know that is illegal in an attempt for us to call and pay them. I will not pay for a service that was never provided.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
I contacted Capital One about removing a CLOSED fraud account from my credit report thats dated seven years ago. I had been taken through so many obstacles with them just to continue to tell them I never opened the account. I submitted a complaint and without contacting me or even investigating the issue, Capital One closed my current account and contacted the credit agencies to remove it. I immediately contacted them to notify them that an extremely serious error had been made on their part. I told them that they closed my open account instead of doing what I reported and asked multiple times. I requested for them to reverse everything that they had done because this was no fault of my own. I got no resolution. I was told whoever I needed to speak to was unavailable. They told me the department that I needed to talk to doesnt accept phone calls. This has been the worst experience and now Capital One is responsible for damaging my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
My closing costs have increased over $ 6k more than originally qouted when I started my loan. I filed a complaint about my 3 month closing time frame taking over 6 months and not being able to get in contact. They responded to the complaint quickly ( XXXX ) but now have taken over a month to get new paperwork to finally close. Once we got our new paperwork they increased our closing costs by over $ 6k compared to the paperwork last XXXX. Seems like they are holding me responsible for the time to close when they where nonresponsive for so long. 

My credit has now been run 3 times for this loan. The 3rd time on XX/XX/2021 without my authorization. This is now a hard spot to be in. They have dragged me on so long I can't go to a different company because of the recent increase in rates. I have been paying additional interest on a loan with a higher rate when I was suppose to be closed over 100 days ago. I am not sure at this point if my loan will close. This is such a waste of time to deal with company. I have not signed my documents because of the large increase in closing costs. I emailed everyone that I have dealt with on XXXX  XX/XX/XXXX quickly after receiving my new documents and have not received an answer. At this point I want my loan closed. I don't want them trying to up my fees to make up costs or running my credit again to find a way out. This is so time consuming and draining. Multiple credit pulls shows it is negatively affecting my score on my XXXX XXXX app. Hopefully someone at Penfed can figure this out since my last complaint says resolved but I am still experiencing the same issues with Penfed.

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 2021-04-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GLA Collection Company, Inc.
State: KY

Complaint narrative:
On XXXX I received a Letter from this collection agency in response to a Debt Validate Letter. The information that they provided was unverifiable and the alleged debt is invalidated. They did not include proof of legal right to collect on these debts, nor proof of contracts bearing my signature, nor proof of licensure and nor proof they are within the states statue of limitations. Under the Fair Credit Reporting Act and other consumer protection acts, it is my responsibility to investigate and ensure that the details being reported to the credit bureaus are accurate. I am distressed that the company has not provided me with what I have asked for. I demand these debts to be deleted from my credit file and cease all collection activities immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
This issue occurred today, XX/XX/2021. 

I am unable to obtain a bank statement for a single account while holding multiple accounts with Capital One 360. This functionality appears to be available on the bank 's website but is not working. 

I called the bank to obtain the necessary statement - showing the single account without information for other accounts at Capital One. I spoke first to XXXX, employee ID XXXX, followed by XXXX, a supervisor and part of Capital One Management Team, employee ID XXXX. 

I was informed that Capital One has discontinued providing statement for individual accounts and that there is no way to obtain such a document. I expressed my concerns over the privacy of my financial information in having to share data for multiple accounts rather than a single account with another financial institution in response to a request. 

XXXX indicated ( 1 ) that other customers had expressed concern over the inability to obtain statement showing data for only one account and ( 2 ) Capital One had no intention of considering these concerns or providing the necessary statement. I was informed that there was no one else at Capital One that I could speak with in attempt to remedy the issue. Eventually XXXX enter a customer support request which he was insistent would take 20 days to receive a response, could not be expedited, and would not result in obtaining the necessary statement for my account. 

In holding multiple accounts with this institution, I am left with the undesirable options to either compromise my financial privacy by providing data for unrelated accounts or not provide the necessary financial records to qualify for a mortgage. 

Financial institutions should be mandated to provide clients with separate statements for each account they hold with the institution upon request.

Company response to consumer: Closed with explanation