vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-25 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Inaccurate late payments showing on XXXX XXXX card/XXXX/XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Medical Management, Inc.
State: PA

Complaint narrative:
This collection agency is reporting a debt to my credit report. I sent them a letter in XX/XX/XXXX requesting validation of he debt cause is not mine since is from XX/XX/XXXX and I always had medical coverage, and to be more specific I was pregnant at that time and my health insurance covered everything. The fist 30 days on this letter they dont reply. I sent them a second letter and they sent me medical bills with procedures that supposedly I got done. I sent this to the credit bureau for HIPPA VIOLATION since they didnt provide me a HIPPA released form signed by me. The credit bureau contact the agency and the were able to validate this debt. I once more contact the agency requesting the documents they use to validate this debt, and once more I don't have an answer from them. I need this to be removed from my credit report since I dont own this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I was mailed a letter dated XX/XX/XXXX from XXXX XXXX XXXXXX/XX/XXXX. In this letter its states that i owe a debt to Portfolio Recover Associates, llc. in the amount of {$1200.00}. 

on or about XX/XX/XXXX i called into Portfolio Recovery Associates, LLC. to inquire about the account and why they reached out to me. As per the rep on the phone she expressed that this company is a debt collection company attempting to collect a debt. 

on XXXX i mailed a letter of debt validation to XXXX XXXX XXXX XX/XX/XXXX. and Portfolio Recovery Associates LLC., Within the letter i requested detailed info about the alleged debt. such as a contract with my wet signature, itemized accounting of the account, etc. 

I received a letter from Portfolio informing me that they PURCHASED the debt from said creditor, also listing my name and alleged last 4 of ss # as additional information listed in the electronic file for this account and if i would like more details to call and request it, however i already requested this detail information in my 1st request of validation letter dated XX/XX/XXXX. 

I then received a letter dated XX/XX/XXXX and within it was a statement ( 1 pg ), along with a 2nd letter dated XX/XX/XXXX on XX/XX/XXXX.This letter which stated " that they already responded to a previous dispute. Meanwhile this was only my first attempt to dispute this account in question. 

On XXXX XXXX I mailed to them a 2nd validation letter requesting the same info and informing them of where i feel they failed to validate stated debt and what my rights are to obtain this requested info so that i can know if this debt is accurate or not. 

On XX/XX/XXXX I received in the mail the very first letter i received again not providing any of the requested info within either of my letters mailed to Portfolio.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have filed an Identity Theft report and asked the bureau to block the fraudulent information on my credit report. I have submitted the required documents including the FTC Identity Theft affidavit. In response I received a letter telling me they refused to block the fraudulent information. I have literally lost a job opportunity - DURING A GLOBAL PANDEMIC!!! - where the job offer was rescinded because of this fraudulent information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
On XX/XX/21 I purchased a used car from XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, MN, XXXX. Their phone number is XXXX. I wrote a check for payment-in-full for the vehicle, and was told the only way they could accept a check was if they ran a credit report, and that the credit report had to be over 700. They could have called the bank for confirmation of funds or asked for a cashiers check but the did not. I don't know why they had to run a credit report when I wasn't taking out a loan, but the said they did. I ended up with a 55 point drop in my credit score for a credit inquiry that didn't need to be run!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have had a on going problems with my account with kohls department store. My issues are that I am still not able to log into my account online, it shows a totally different account number, balance and late charges that are not related to my account that is tied to my card. The online account had my name, email, overdue amount, zero statements and I can't change anything on this account online, but I call my card and it reflects a total difference amount, its current, and the number reflects my card on the phone verification. So I have gotten letters from kohls, and it has not gotten resolved, I asked for them to fix it, I asked them to call me and ask questions to see why this is going on, I've called into customer service and they don't help, I email kohls and they don't respond back, so I don't know why or what to do next. I asked for help, and they don't help, or even respond back to my issues that are in my complaint. It's just here is the account, and we don't see anything wrong. But it showes it does, and to me that is sad they don't look at it to see why it's wrong and it clearly shows this huge difference and they say nothing is wrong and if I need help just to reach out and they will help. So I did and nothing happened. So I'm here again to see if I can get help with my issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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: NV

Complaint narrative:
On XX/XX/2021 I initiated a dispute with XXXX. One creditor shows incorrect dates as my first date of delinquency. I included billing statements and a receipt of payment validating my claim. When I disputed with XXXX it was instantly removed but after repeated attempts with XXXX and Equifax no change has been made. This was a joint account with my spouse and was removed last year from her XXXX and Equifax but not XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
There were four unauthorized transactions made on my checking accout with Bank of America.These four unauthorized transactions were taken by XXXX as a XXXX member fee from XXXX to XXXX. However, I have never applied as a XXXX member for XXXX. I have also never received any email from XXXX notifying me that I was a member, until two months ago when I received an email from XXXX asking me to renew my payment method by paying the membership fee. They took my money from my account without informing me, which is completey fraudulent and unauthorized. 

I have already made a claim to the Bank of America, however, they said that these four unauthorized transactions were over a year old, so they are unable to refund the money to me. This is unacceptable, as these were unauthorized transactions, which I possess the ability to dispute. I did not mean to delay my disputing since I did not know XXXX would take my money from my account without my permission, until I received the email two months ago. Bank of America should protect their customers and help me get my money back after it has been unethically taken away from me.

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 2021-03-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Supreme Lending
State: TX

Complaint narrative:
Home was flooded due to a burst pipe. Loan servicing provided incorrect information for insurance claim payment processing and endorsement. Causing delay in remediation and repair work so that I can return to home. Already one week behind with the delay in the turnaround of process. Should have disclosure of detail of process on website and be directed to it as soon as a call is made to service call center. Guidance completely opposite and different than process. I took notes and have it all written down. Very poor for this type of service.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: CITIZENS FINANCIAL GROUP, INC.
State: VT

Complaint narrative:
We were approved for pandemic related forbearance on our mortgage in Spring XXXX. In XXXX of XXXX we extended our forbearance through XXXX of XXXX. In XXXX we decided to pay the balance that accrued during forbearance and became current on our loan with no past due amount. 
While still in forbearance, we paid the approximately {$15000.00} outstanding amount and then requested that the forbearance be removed from our account. Despite all of these measures Citizens reported us delinquent and XXXX past due amounts now show on record with all 3 credit agencies. 
Citizens has provided us with a poorly worded letter acknowledging their mistake but with vague and incomplete timelines that risk further confusion and delayed resolution. And, the burden is on us to correct via dispute with each of the agencies. 
Citizens made this mistake. Citizens should directly reach the credit agencies to fix it and definitively tell them that we were never delinquent on our account. 
My credit score dropped from XXXX because of their error. As a small business owner during a pandemic this risks the financial security of my family and my employees. I am requesting that Citizens do everything possible to fix this mistake as fast as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I received a reply from you stay in that my verification on my credit report was frivolous. I assure you that in no way do I consider a matter of such importance to me as frivolous or a relevant. In fact they did not honor my original request to verify in remove the XXXX inquiries all my credit report that are unknown to me. I will list below all of the hard inquires any of them that I do not hold an account with and that are over 30 days old and that are duplicates I am asking for them to be removed. It is inaccurate and it is incomplete and it is a very serious error that you are reporting, and its effecting my credit. The following information therefore needs to be reinvestigated I respectfully request to be provided proof a di alleged investigation and I have these items listed deleted from my report as soon as possible UNKNOWN INFORMATION NEVER DID BUSINESS WITH THEM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX BXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My issues is with XXXX XXXX, XXXX XXXX  and Transunion. I have an acct from XXXX that was charged off that still shows late payments. It is reflecting that the account has been charged off twice. There are multiple inaccuracies that they continue report. My credit report does not reflect any notice of the multiple disputes that I initiated. The bureaus are not reflecting the correct date of last payment and last activity. All of the 3 bureaus are saying that they verified the information but all 3 bureaus are reporting different info. There is no original amount on some of the bureaus and there is no high balance. Failing to update means the account was never investigated. If it was investigated the status updated should be current. They have a lack of limit and XXXX  is showing that the account is open with Current payments after being charged off. 
XXXX I requested that XXXX XXXX XXXX and Transunion remove the XXXX account. I have even sent multiple letters to XXXX requesting that the debt be deleted due to inaccurate information listed on my credit report, XXXX has no credit limit or high credit amount. I have continued to reach out to the bureaus, the creditors and the collection agency. I have had no relief and had to suffer exorbitant interest rates, denial of employment, government benefits and even housing.

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 2021-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My issues is with XXXX XXXX, Equifax, XXXX and XXXX. I have an acct from XXXX that was charged off that still shows late payments. It is reflecting that the account has been charged off twice. There are multiple inaccuracies that they continue report. My credit report does not reflect any notice of the multiple disputes that I initiated. The bureaus are not reflecting the correct date of last payment and last activity. All of the 3 bureaus are saying that they verified the information but all 3 bureaus are reporting different info. There is no original amount on some of the bureaus and there is no high balance. Failing to update means the account was never investigated. If it was investigated the status updated should be current. They have a lack of limit and Equifax is showing that the account is open with Current payments after being charged off. 
XXXX I requested that Equifax XXXX XXXX and XXXX remove the XXXX account. I have even sent multiple letters to XXXX requesting that the debt be deleted due to inaccurate information listed on my credit report, Equifax has no credit limit or high credit amount. I have continued to reach out to the bureaus, the creditors and the collection agency. I have had no relief and had to suffer exorbitant interest rates, denial of employment, government benefits and even housing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Titan Receivables, Inc.
State: CA

Complaint narrative:
On XX/XX/2021 i seen an account on my credit report from a company called TITAN RECEIVABLES, INC account number XXXX and noticed that this account did not look familiar to me and did some research which this account does not belong to me and is the result of Identity theft. I have have applied for any type of auto loan with this company nor have i have given anyone permission to obtain a loan or vehicle there. please see attached supporting documents to delete this account from my credit immediately.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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: OneMain Finance Corporation
State: CA

Complaint narrative:
I have fallen victim to identity theft due to the 2017 XXXX breach. This has taken a toll on my mental heath and it has caused me a great deal of frustration and anxiety.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have filed an Identity Theft report and asked the bureau to block the fraudulent information on my credit report. I have submitted the required documents including the FTC Identity Theft affidavit. In response I received a letter telling me they refused to block the fraudulent information. I have literally lost a job opportunity - DURING A GLOBAL PANDEMIC!!! - where the job offer was rescinded because of this fraudulent information 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 2021-03-25 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I have fallen victim to identity theft due to the XX/XX/2017 XX/XX/XXXX breach. This has taken a toll on my XXXX heath and it has caused me a great deal of frustration and anxiety.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I have fallen victim to identity theft due to the XX/XX/2017 XXXX breach. This has taken a toll on my XXXX heath and it has caused me a great deal of frustration and anxiety.

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 2021-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
On XX/XX/21 I purchased a used car from XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, MN, XXXX. Their phone number is XXXX. I wrote a check for payment-in-full for the vehicle, and was told the only way they could accept a check was if they ran a credit report, and that the credit report had to be over 700. They could have called the bank for confirmation of funds or asked for a cashiers check but the did not. I don't know why they had to run a credit report when I wasn't taking out a loan, but the said they did. I ended up with a 55 point drop in my credit score for a credit inquiry that didn't need to be run!

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