vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
CREDIT COMPANY DROPPED MY CREDIT SCORE 77 POINTS. TWO COLLECTIONS WERE REMOVED AND THERE WERE NO OTHER CHANGES SO WHY DID MY CREDIT SCORE DROP AFTER I CALLED AND MADE A COMPLAINT. IN ADDITION I REQUESTED TO HAVE WRONG INFORMATION REMOVED FROM MY REPORT. 

XXXX XXXX XXXX-listed as sent to another credior does not have updated information about account. account is not mine was sent back as verified without any verfication sent to me from transunion. it shows that i have 1 account in collection but does not show the one account listed. I have no collections at all.

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 2020-10-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
On XXXX XXXX received an email from work that Asset acceptance was to garnish 25 % of my wages again, same thing happened in XXXX. I requested a hearing and filed at court a notice saying I made less than XXXX a week They canceled the process in a week or two. Now I get it again, went to court and did the same thing. I dont remember what year I asked for them to identify the debts and they never did. Some time between XXXX I do not know if this is legal. Non of that shows in my credit report. What to do? They will keep doing this every other year? They never mail me anything but they mail it to my job. 
The Final Judgment entered on XX/XX/XXXX in the amount of {$8100.00}. Statutory interest accrues in accordance with Section 55.03, Florida Statutes, from the date of the Judgment until the Judgment is paid in full.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital one auto finance Has denied request to move payments to end of the loan due I have been out of work due to Covid and waiting on unemployment since XXXX saying that I have to pay even with representatives calling at XXXX and XXXX at night

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
on XX/XX/2020, I deposited a check into my checking account, due to a miscoding error made by my bank none of the checks in my checking account cleared and were returned for insufficient funds {$41.00}. That was not the case, I had more than enough money to pay my bills. I have been a Macy 's credit card holder in good standing for 42 years with no problems with an excellent credit history. 
Due to the returned check XXXX XXXX is being beyond unreasonable and has put a hold on my credit card and no orders will process. This is unbelievable and unfair business processes.

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 2020-10-26 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: TN

Complaint narrative:
i have now ask these companys to remove the accounts now 7 times they have not provided any proof that these accounts belong to me and i have let them know that my information was stolen and use to open accounts without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TCF NATIONAL BANK
State: NM

Complaint narrative:
I initially filed a complaint with consumerfinance.govXXXX and following this TCF/Chemical Bank did close my loan on XX/XX/XXXX, but did not refund the overpayment or reach out to me with any type of communication. I sent a follow up email to customer service at TCF Bank : '' I am writing to bring your attention to an outstanding credit on this account that is still due. This property was sold on XX/XX/2020 and the payoff check was cashed by TCF bank on XX/XX/2020. 
I have reached out to TCF customer service multiple times and although no formal response was ever provided, the loan was finally closed with posting of at least a portion of the payoff check on XX/XX/2020. 
After the loan was closed, my TCF account shows a reversal of the previous mortgage payment + extra principal payment from XX/XX/2020, however, to date this reversal has not been credited to my bank account. 
As the attached ledger of my account and posted ledger of both my TCF account and bank account clearly show, TCF Bank still owes me {$1400.00} Im not sure if it is still possible to credit the {$700.00} to my XXXX account but as it has been over a month since the sale of the property and over 10 days since TCF Bank closed my loan, I am asking for your immediate attention to this matter. Please send a check for the outstanding balance {$1400.00}. If I dont receive clear evidence that the credit due has been sent to me by XX/XX/2020, I will follow up with a new complaint to the Consumer Financial Protection Bureau. Thank you in advance for your immediate attention to this matter. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX Cell : XXXX '' I also attached both my TCF loan status and my own checking account status showing that my last payment had not been credited back as indicated on the TCF status. It has been a long time since I paid off this loan and at this point I am asking for your help in reaching out to TCF/Chemical bank to immediately send me a refund for {$1400.00}, the amount I have overpayed to close this loan. Thank you in advance for your help. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
CREDIT COMPANY DROPPED MY CREDIT SCORE 50 POINTS. TWO COLLECTIONS WERE REMOVED AND THERE WERE NO OTHER CHANGES SO WHY DID MY CREDIT SCORE DROP AFTER I CALLED AND MADE A COMPLAINT. IN ADDITION I REQUESTED TO HAVE WRONG INFORMATION REMOVED FROM MY REPORT. 

I have four inquiries from XX/XX/2018 that are still on my report and need to be removed. 

also after submitting court documents from XXXX account that's states " charged off XXXX dollars '' it still is listed on my account. Negative XXXX account is pass the 7 year mark as well and needs to be removed. 

Ever single time i call to speak to someone they hang up on you. You can never talk to a representative at experian which is really unfair. You have to keep putting in disputes and waiting 30-60 days to see if its deleted. they only send back paperwork stating that the debt is verified without any proof of how they are claiming its verified.

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 2020-10-26 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: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
On XX/XX/2017 a collection was reported on my account Letter sent to me, PortFolio recovery added a derogatory mark on my credit report Per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. The Debtors creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accussed debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. Accordng to the FCRA, PortFolio Recovery has violated my rights as a consumer and I am requestion legal action to remove this account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have a fraudulent auto loan reporting on my credit that I did not apply for nor give anyone else permission to do so. I have never conducted business with this particular company under no circumstances. Someone apparently has gotten a hold to my personal information and took it upon themselves to conduct frivolous activities. I have reason to believe that I am a victim of identity theft based on the evidence I have gathered.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 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: TN

Complaint narrative:
i have now ask these companys to remove the accounts now 7 times they have not provided any proof that these accounts belong to me and i have let them know that my information was stolen and use to open accounts without my consent.

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 2020-10-26 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: TN

Complaint narrative:
i have now ask these companys to remove the accounts now 7 times they have not provided any proof that these accounts belong to me and i have let them know that my information was stolen and use to open accounts without my consent.

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 2020-10-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Federal Adjustment Bureau, Inc.
State: OH

Complaint narrative:
On XX/XX/2019 a collection was reported on my credit. 
No Letter sent were sent to me, FABCO added a derogatory mark on my credit report. Per XX/XX/XXXX Upon, further research, this account was transferred/sold and I am no longer responsible for the account. The Debtors creditor did not verify this collection. Also, there was NO written from of communication, contract, or signature for this accussed debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. Accordng to the FCRA, FABCO has violated my rights as a consumer and I am requestion legal action to remove this account immediately.

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 2020-10-26 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: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
On XX/XX/2020 a collection reported on my credit report. 
A Letter sent was sent me, PortFolio Recovery Associate added a derogatory mark on my credit report. Per XX/XX/XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. The Debtors creditor did not verify this collection. Also, there was NO written from of communication, contract, or signature for this accussed debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. Accordng to the FCRA, Portfolio Recovery Associate has violated my rights as a consumer and I am requesting legal action to remove this account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-26 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I ordered two diecast cars that were featured on XXXX which you pay for through PayPal. The company posed as a US based company, but was actually from XXXX. When the cars arrived they were nothing like the add. They were for all practical purposes junk and not worth half of what the advertisement showed. 
I complained to PayPal and they gave me a bunch of steps to follow and told me to send the merchandise back to the seller. I asked them how would I get my money back? I don't speak or understand XXXX. It took some five days for them to send me the information in English. So I sent the merchandise back to the seller. Never heard anything from them and I kept contacting PayPal asking them for information about my refund. They never said anything about honoring their guarantee, so I reminded them. They didn't respond to that statement at all. Just blew me off and started making everything my fault. I did as they asked. They made up some time frame that they said I didn't follow so they closed my case. I responded that I did everything that you asked and then some, but they still tried to put it on me by saying that I took to long to send it. First you said nothing of a time frame and second as soon as you gave me the information in English so that I could fill out the customs forms I mailed the package back to the seller. I submitted that information four times. They kept saying that they didn't get it. When they finally did, they paid me for part of the return shipping to XXXX.

So if they acknowledged that the item was shipped now where is my refund? Now they put everything on me to make it all my fault as to why the case was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
My problem is with Capitol One. 
When I received my XXXX Statement there was a charge of {$39.00} which I did not authorize. I reported it to Capitol One and they responded by Canceling the Credit Card. I waited 2 weeks but received no response. So I paid Capitol One my balance of {$500.00}. I have to this Day not received any response from Capitol One except they send me bills. The charges are a fraud. I could not have used the card because Capitol One had closed the account as of XXXX. 
Please help me. I am XXXX XXXX old living on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 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: URS Holding, LLC
State: AZ

Complaint narrative:
XX/XX/20. This date was the last time of many times they called my parents who are in there XXXX. They posed as knowing me and wanted information about me. My dad asked them questions they couldnt answer so he hangs up. Very troubling for my parents.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 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: MERCANTILE ADJUSTMENT BUREAU, LLC
State: OH

Complaint narrative:
On XX/XX/2020 a collection reported on my credit report. 
A Letter sent was sent me, XXXX XXXX XXXX added a derogatory mark on my credit report. Per XX/XX/XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. The Debtors creditor did not verify this collection. Also, there was NO written from of communication, contract, or signature for this accussed debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. Accordng to the FCRA, XXXX XXXX XXXX has violated my rights as a consumer and I am requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
Portfolio Recovery Added two derogatory mark on my credit report Per XX/XX/XXXX. Upon, further research, these accounts were transferred/sold and I am no longer responsible for the account. The Debtors creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accussed debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, PORTFOLIO RECOVER ASSOCIATES has violated my rights as a consumer and I am requesting legal action to remove this account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I've seen no changes for the accounts that I have filed last month. I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
XXXX XXXX Added two derogatory mark on my credit report Per XX/XX/XXXX. Upon, further research, these accounts were transferred/sold and I am no longer responsible for the account. The Debtors creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accussed debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, XXXX XXXX XXXX has violated my rights as a consumer and I am requesting legal action to remove this account immediately.

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 2020-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: SUNRISE CREDIT SERVICES, INC
State: OH

Complaint narrative:
XXXX XXXX Added two derogatory mark on my credit report Per XX/XX/XXXX Upon, further research, these accounts were transferred/sold and I am no longer responsible for the account. The Debtors creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accussed debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, XXXX XXXX XXXX has violated my rights as a consumer and I am requesting legal action to remove this account immediately.

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 2020-10-26 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:
XX/XX/20. This date was the last time of many times they called my parents who are in there 80s. They posed as knowing me and wanted information about me. My dad asked them questions they couldnt answer so he hangs up. Very troubling for my parents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-26 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:
Inaccurate account on 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 2020-10-26 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: AZ

Complaint narrative:
I have reached out to Transunion in regards to fraudulent inquiries being listed on my credit report. I have been battling fraudulent activity on my report for quite some time and I am in need of immediate action. I was a victim of 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 explanation
Consumer complaint received 2020-10-26 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
There is an unauthorized inquiry on my report that I would like removed. I am unaware of its source and request it be deleted from all three credit bureaus. Inquiry dated XX/XX/2019 XX/XX/2019

Company response to consumer: Closed with non-monetary relief