vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capstone Credit & Collection, LLC.
State: FL

Complaint narrative:
I was notified in 2014 from this collection company that I had an outstanding debt from a apartment community. I advised them that I was living in a house in a different county. I then referred the matter to my family attorney. The attorney asked them to validate the debt. He received copies of the paperwork and found that the social security number didn't match mine. The debt was then taken off of my credit reports. I had my credit reports pulled several months ago and saw that they had put it back on there. I have tried disputing the charge but they still say that I owe the debt. I contacted another attorney because the one I had is now retired. The other attorney told me to file this first and if the matter is not resolved then we can take it to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 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: NY

Complaint narrative:
this involves XXXX  XXXX  XXXX  it all happen back in XXXX of 2020 when my business was mandatory shut down but the governor of new york my company was closed for 4 months with no income, XXXX  XXXX  offered me a 3 month forbearance plan, all good till then after the 3 months they gave me another fornberance plan but they never told me it was a month to month basis, all of the sudden i get a bill for {$2600.00} with late fees and interest charge and they reported my credit bureaus 30 days late when i found out i called them and they said they would put me on a 60month payment plan and once i made my first payment and accept the terms all this would go back to normal as of now i have made 2 payments and credit bureau is showing 120 days late if i knew this was going to happen i would if kept making my small minimum payment every month i had a XXXX credit score now because of them i have a XXXX credit score i don't think its fair what they did to 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 2020-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: MD

Complaint narrative:
I am requesting that a fraudulent debt in the amount of {$4000.00} be negated and removed from my Credit report. 

In XXXX, I was invited to join a XXXX XXXX XXXX. I attended a day long seminar describing what was involved. I accepted the membership, with the contingency that I could cancel within three days if I changed my mind. I did indeed cancel within the allowable period. Now, 5 years later, I see a collection in the amount of {$4000.00} owed on my credit report. It says that this amount was placed for collection in XX/XX/XXXX. 

I got in touch with the collection agency, Security Credit Services, who stated that I had taken a loan out with XXXX XXXX XXXX XXXX XXXX of whom I'd neither heard of nor done business with, ever. I asked Security Credit Services for loan paperwork in my name and anything signed by me, to show what this was for To date they have not complied. I called XXXX XXXX XXXX, XXXX and they stated that they have no record of me in their system. I disputed the validity of the debt with three Credit Bureaus. They have stated that the debt is " verified '' and meets FCRA requirements. 

I have neither received a loan in the amount of {$4000.00} nor have I received any merchandise or services in the like. I am therefore requesting that you investigate this issue so I can remove this debt from my name. 

Security Credit Services XXXX XXXX XXXX ( XXXX ) XXXX XXXX  XXXX  XXXX  XXXX XXXX XXXX IN XXXX ( XXXX ) XXXX Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
Capital One - XXXX is reporting erroneously on my credit file. I have called and sent in various letters to them stating that I am not an authorized user on this account and they need to remove it from my credit file. They refuse to. I do not have a contract with them or any type or agreement, I am just an authorized user and I actually never even had access to the account other than the authorized user title. I never made any transactions on this account, I never got a card for this account. I need this to be removed from my credit file. I AM NOT AN AUTHROIZED USER ON THIS ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2020 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 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: IL

Complaint narrative:
On XX/XX/XXXX, CITIBANK NA., BEST B add a hard inquiriy on my credit report per XXXX  .

On XX/XX/XXXX, XXXX 'XXXX  XXXX XXXX add a hard inquiriy on my credit report per XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA
State: SC

Complaint narrative:
My student loans were forgiven in XX/XX/2020 by fed loan servicing. For some reason the company intentionally or in error removed the loan completely as a trade line on my credit report. I asked them to please re report to the three credit bureaus reflecting paid in full, satisfied with no late or missed payments. The credit bureaus have no evidence fed loans has done this. In fact XXXX  said if they had in fact done this it would have posted same day. Fed loans is dragging their feet and not helping me and they made the error by removing not completely as a trade line. This affects my credit score. I simply ask that they resubmit showing paid in full, satisfied with no late or missed payments. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am submitting this complaint due to Capital One charging me for an unauthorized charge on my card and not refunding my money. 

In XXXX, 2020 I had used a translating service " The XXXX XXXX '' to translate two doucments for the agreed upon price of {$49.00} as the attached emails I have uploaded will clearly show. The lady who I was corresponding with ( XXXX XXXX ) knew that I had two degrees that i needed translated as the attached emails will show. However i received an email a few days later saying that I would have to pay another {$57.00} to have both degrees " Credential Evaluation Translated '' even though I had already told XXXX before I paid anything that i needed two degrees translated .Furthermore the XXXX XXXX told me that if I want to move forward with paying the extra {$57.00} that I have to respond back with the last 4 digits of my card number and I never did that. I sent a reply back saying that I would need them " Credential Evaluation Translated '' but asked them " shouldnt the credential evaluation academic equivalence been in the quoted price? '' not authorizing them to charge my card another {$57.00} that I never agreed to, however they moved forward and charged me anyways. All these emails can be seen from the files i have uploaded. 

I contacted The XXXX XXXX the following day to ask them why they charged me another {$57.00} when I did not authorize it. The lady i talked to on the phone said that she would have the billing deparmtment contact me which they never did. I disputed the charge on my credit card ( Capital One ) and they gave me a " provisional credit '' but later added the charge back to my card. So i faxed them over all the emails i had to prove i never authorized the {$57.00} but they responded back as " the case is closed ''. 


The extra chagred occurred on : XX/XX/2020 for {$57.00} The provisional credit was added on : XX/XX/2020 for {$57.00} The {$57.00} ( Purchase Adjsutment ) was added back on my card : XX/XX/2020 I faxed over all the evidence on XX/XX/2020. 

I received a " case closed '' letter that night on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 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: MN

Complaint narrative:
Mortgage from XXXX XXXX was opened in 2002 under my name. I fought for a long time to get it removed, however I no longer have the police reports. 

It looks like whomever stole my social security number has been making payments this entire time, which is why I never noticed it. I should have been looking at my credit reports yearly, but it was never an issue until I looked at buying a house. 

I've tried reaching out to XXXX XXXX but have gotten nowhere. 

XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, OH XXXX XXXX This mortgage is not being reported on either of the other two credit reporting agencies, so I assume back when this first happened, the other two actually removed it, as this is only showing up on the Equifax report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 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: KY

Complaint narrative:
There is an account from XXXX XXXX XXXX for {$100.00} reporting on my report that is not accurate.XXXX XXXX XXXX has agreed to have this account removed from my report and has ask all bereaus to remove the account but Equifax has not yet deleted the account fro my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
My Bank of America credit card had a charge which was listed as an ACH refund, but which was actually a charge for XXXX transaction date XX/XX/XXXX posting date XX/XX/XXXX. 

I received a letter from BOA dated XX/XX/XXXX stating that the above amount was credited to my account- only the account number wasn't mine. 

I immediately called and reported this fraud to BOA and have made numerous follow up calls without resolution. I was told that since it wasn't a merchant dispute that I should pay the entire card bill for that month and that I would get a refund once the case was solved. I have received no follow up correspondences from BOA. I am constantly transferred from one department to another and no one has been able to resolve this. I went to my local BOA in XXXX and they couldn't help 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 monetary relief
Consumer complaint received 2020-11-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: IMPAC MORTGAGE HOLDINGS, INC.
State: ID

Complaint narrative:
In XXXX, my mortgage with Cash Call was sold to XXXX XXXX. During that transaction, Cash Call erroneously debited by account for an extra mortgage payment ( {$910.00} ). I immediately contacted Cash Call, but the refund check was sent to my previous address. I have contacted Cash Call 5 times over the past 4 months. Each time, I am assured the check will arrive within 5 business days, but it never does. I have also been told 1 ) the check will be sent overnight, which it wasn't, and 2 ) they will apply the money to my next payment, which makes no sense as Cash Call no longer holds the mortgage. 

Impac Mortgage Corp., dba CashCall Mortgage XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: KY

Complaint narrative:
This apartment complex added Debit on my credit report for {$3400.00}. I never lived there in my life I never lived in that city were the apartment complex located. XXXX XXXX in XXXX Kentucky. I tried to dispute multiple times through my credit bureau. I have all evidence to support that Ive been living where I currently live for the past six years of my life. I need this removed please. Its affecting my credit score big time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
Capital One - XXXX is reporting a few lates on my credit file. When the pandemic happened I was put in a really tough situation and was unable to make payments for a couple months. After that have not been delinquent again. I have been a customer of Capital One for YEARS and have never been late on this account except for these couple of months because of the pandemic. It truly hit out of the blue and it was completely out of my control. I would of made my payments if I could to keep my perfect payment history with Capital One. I am asking as a long time customer that you please remove these late 's from my credit file. They are due to the pandemic and I was not able to financially support myself for a few months but we are back on track and hope to never be late again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-20 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America gave CD funds to wrong beneficiary. Bank will not allow me any information because my POA expired when my Mother passed away, but the CD was renamed to my Mothers Revocable Living Trust in 2009. 

After my Mothers passing, her Trust was not provided with CD funds. The Banker at B.O.A. would not provide me with any information regarding the CD even though I am the Trustee of the Trust!

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 2020-11-20 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: FL

Complaint narrative:
Greetings, I sent my round of letters to the credit bureaus because I have inaccurate information on my credit report that is affecting my score, and I want to solve this the fast as possible.

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 2020-11-20 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: FL

Complaint narrative:
Greetings, I sent my round of letters to the credit bureaus because I have inaccurate information on my credit report that is affecting my score, and I want to solve this the fast as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Peritus Portfolio Services II, LLC
State: FL

Complaint narrative:
on XX/XX/2020, I open my door to someone trying to ''repo '' my car, they refused to give me a name or allow me to verify the legitimacy for the repo order. After asking them 11 times to leave and notify them they are trespassing, they refused to do so, I called the police, when they arrived they notified them that they had to leave my property.meanwhile trying to drive off my property with me in the car and raising it on the tow truck less than 2 inches from my leg, with me in the car! 

The next morning i get on the phone with my finance company to address this issue, they advised me they did NOT authorize anyone to come out and repo the car, and that they do NOT condone such behavior, that same day i get a knock on the door, and non stop ringing on my doorbell from the company that came and tried to repo my car, they are looking in my windows and peering around my yard, this is harassment of the highest sort and i demand these people be held accountable

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-20 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: America’s Financial Choice, Inc.
State: IL

Complaint narrative:
I paid off this loan with two money orders a week ago and the regional manager XXXX told me she would make sure all was applied and any added fees they caused me reversed and she would make sure my paid off documents were mailed and to me today. I took the loan out in XXXX IL but because the manager their was so rude and unhelpful and trying to keep me from paying it off ( her name is XXXX ) I had to contact the regional manager XXXX and she had me pay it off with XXXX at the Mt XXXX IL location on XXXX XXXX while I was off work. I work for the XXXX XXXX XXXX XXXXXXXX. Now today XXXX called and left a message that she did not get into the XXXX  XXXX office as promised to reverse the fees and make sure the last payment posted and mail me the documents and claimed she was sick and would do it whenever she could! This is XXXX!! I am also filing a complaint with the IL Attorney General today!! I paid the loan off a week ago and they have not applied my payments, reversed the fees they caused me or mailed my paid in full contract!! I want it done NOW!!

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 2020-11-20 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: PA

Complaint narrative:
On XX/XX/2019, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2019, CITIBANK NA., BEST BUY add a hard inquiry on my credit report per XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 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: PA

Complaint narrative:
Reported an account was paid, Transunion failed to properly investigate this account was paid in full

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 2020-11-20 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: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
On XX/XX/XXXX, I submitted an online dispute with XXXX XXXX XXXX  regarding a credit card account from State Employee 's Credit Union of North Carolina ( SECU ). The account was discharged on XX/XX/XXXX through Chapter XXXX Bankruptcy ( the petition date for the Bankruptcy proceeding was XX/XX/XXXX ). 

Recently, SECU, inaccurately reported this discharged credit card account as discharged in XX/XX/XXXX. The evidence and facts from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX prove otherwise. I contacted my Bankruptcy attorney. He informed me that SECU has been similar actions in the last month. His advice was to seek consumer debt attorney to possibly sue under violations of the Fair Credit Reporting Act as well as potential violations of the bankruptcy discharge. 

For once, I would like SECU to get their act together and comply with the Fair Credit Reporting Act and stop misreporting information to XXXX and the other credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: TN

Complaint narrative:
I received notification that I owe this company a debt. I have checked my records and have not found that I have any outstanding debts that are not paid.

Company response to consumer: Closed with explanation