vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pendrick Capital Partners
State: KY

Complaint narrative:
In XX/XX/XXXX, I received a collections notice from Affiliate Asset Solutions LLC stating that they had bought/sold Pendrick Capital Partners LLC debt for amount referenced below. 
The original account, not belonging to myself is as states. 

Patient : XXXX XXXX Original account number : XXXX Original creditor : XXXX XXXX XXXX XXXX Date of Service : XX/XX/XXXX Balance Due : XXXX Upon receipt of this letter, I sent a reference letter and dispute to Affiliate at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX GA, XXXX. 
I have received no correspondence and now this reflecting on my credit reports. 

I, XXXX XXXX, was not treated for any condition on XXXX XXXX. If I was, it would have been in KY, where I reside and would have been covered by KY XXXX which I received for many years. Beside the fact that this is an inaccurate debt, any treatments disclosed in the itemized bill sent to the creditor would have violated HIPPA. 

This debt was not incurred by me and does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AmWest Funding Corp.
State: TX

Complaint narrative:
Dear XXXX, I'd like to report inappropriate business conduct from my mortgage company, specifically, a broker by the name of XXXX XXXX XXXX XXXX XXXX. The broker edited my banking statement without getting me or my bank 's authorization. I wasn't aware of this until the lending company sent us the loan refusal notice. You can tell by comparison of the bank statements ( see attachments ). The XXXX statement 's date was illegally tampered with by computer software or other means when compared to the XXXX statement. Even the banker 's signature is in the exact same spot as the other statement. When I questioned Mrs. XXXX ( broker ) about this, she didn't admit it. There was no one else who could possibly do this other than her or her team. My closing date was delayed due to this issue. I also had to extend my lease because of this. 

I was shocked, frustrated, and shaken by what I had experienced. How difficult was it to just ask for permission to get a new bank statement from the bank? How could a professional team do such unprofessional work? At this point, it is dishonesty and fraud. She displayed ignorance, cynicism, and uncivil attitudes throughout the whole process. Even with the forged bank statement, she displayed zero remorse or regret. I feel like I should report this, so others will not fall victim to her dishonest, fraudulent, unfair, and unethical conduct. 

Here is the information about the Mortgage Company : Name : XXXX XXXX. 
Address : XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX TX XXXX NMLS  ID : XXXX TX License ID : None Contact : XXXX XXXX Contact NMLS  ID : XXXX Contact TX License ID : None Email : XXXX Phone : ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 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: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX  XXXX XXXX, Toyota Motor XXXX, and XXXX XXXX. The Account Opened is XXXX  XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is Toyota Motor XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8600.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 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: IL

Complaint narrative:
I am disputing accounts on my credit report due to wrong accounts and 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 2021-02-18 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Waypoint Resource Group, LLC
State: OR

Complaint narrative:
I'm trying to buy a home this year and I found out about a XXXX debt of XXXX dollars that I'm trying to settle. I have tried calling over 50 times and sent an email with my information so they could reach out to me and nothing. The company is Waypoint Resource and the only phone # I can find is XXXX XXXX XXXX XXXX and I cant get through to them. 

I am trying very hard to better my credit and its unacceptable that this company is failing to do their job and even be contacted to do their job. I have the money to settle, this is needed to move forward to get pre approved for my mortgage and I didn't even this was affecting my credit negatively. If you could please assist me with moving forward and settling this debt I would be very appreciative. 

XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
To whom it may concern, I have contacted Capital one bank about the serval charges and sent in all of the proof for these charges all of the mercharcants sent physical documents stating that I would be refunded and I never received a refund I filed a dispute with the reps and they were extremely rude, Been experienced reps yelling and saying to me that its my fault and its disgusting how a bank has zero fraud liablity but still takes no responsibility. ATTACHED YOU WILL SEE THE PROOF AND THE EMAIL CHAINS THAT OCCURRED. 
e : Claim XXXX for account ending in XXXX We're working hard on these disputed transaction ( s ) : Transaction Date ( s ) and Amount ( s ) XX/XX/2020 - {$110.00} - XXXX XXXX XXXX XX/XX/2020 - {$49.00} - XXXX XXXX XXXX XXXX XXXX Mon, XX/XX/XXXX, XXXX XXXX  ( 10 days ago ) to XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please review Capital one claim # Re : We need some more info for your dispute [ REPTRCKR : XXXX ] << Reference ID : XXXX >> Your Order Number : # XXXX Order # : XXXX Order # : XXXX Hi I placed an out back in XXXX I am missing skinny jeans, oatmeal bodysuit, skirt, and grey top. Is their another shipment? I told them Not to resend me another shipment. Now you guys did under this order Your XXXX XXXX : # XXXX. I reached out to XXXX XXXX  over 5 times via email was told by a XXXX in chat I will be getting a refund within 24-48 hours. I filed a dispute with my financial institute Capital one now they have said they contacted you and XXXX XXXX says order is valid. I been dealing with over now 3 months where is my stuff!! You guys resent items supposedly under the replacement after I told you guys I didnt receive it. Ive now paid over XXXX dollars and I contacted my bank and you guys are lying. I need a response to this ASAP my bank is included in this email as well.. 
For order : XXXX you guys been well Aware that I didnt receive this the tracking details clearly says incorrect My response that Im looking for is a refund and a apologies for the inconvenience that I been put through. 
I can be reached via email or XXXX Sincerely XXXXXXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-18 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: TX

Complaint narrative:
The account XXXX XXXX XXXX  is not my account. The account does not belong to me. This means that I was not the person which had this account with XXXX XXXX XXXX. XXXX XXXX XXXX  has reported this account to my credit report but this account was not opened by me. I did not give authorization for anyone else to open this account. Therefore the XXXX XXXX XXXX  account must be deleted from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 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: TX

Complaint narrative:
The account XXXX XXXX XXXX  is not my account. The account does not belong to me. This means that I was not the person which had this account with XXXX XXXX XXXX. XXXX XXXX XXXX  has reported this account to my credit report but this account was not opened by me. I did not give authorization for anyone else to open this account. Therefore the XXXX XXXX XXXX  account must be deleted from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Maury Cobb, Attorney at Law, LLC
State: GA

Complaint narrative:
I had service with XXXX  but was unable to keep it due to lack of funds. In XXXX I was able to start paying down my balance which was {$240.00}. I paid {$48.00} to XXXX with the understanding that I would pay each month thereafter until the bill was paid in full. I then paid on XX/XX/XXXX another {$50.00} leaving a balance of {$150.00}. On XX/XX/XXXX I got a letter from an attorney, Mr Cobb stating that I had 30 days to dispute or pay a discounted amount by XX/XX/XXXX. Then upon checking me credit reports I find that a collection agency named XXXX XXXX XXXX in Alabama on behalf of XXXX advised the three credit bureaus that I have a collection account for {$150.00} which has negatively affected and impacted my credit reports. I was never told by XXXX that my account was being handled by a collection agency and they XXXX continued to accept my payments in XXXX and XXXX instead of letting me know that my account was being handled by any collection agencies. The attorney 's letter, Mr. Cobb, I received was the first time I found out that anyone was trying to collect from me since I was paying XXXX myself. I never got a letter from the XXXX XXXX XXXX  nor XXXX  stating that they would be placing this info on my credit reports as even the attorney 's letter gave me time to dispute or pay and them within a certain time period. Of course if I didn't do anything within 30 days I would expect it to go on my credit reports. However, like I said I have paid XXXX  and I had a right to know their intentions of putting it on my credit report before they did it and before sending it out to collections since I was already paying my account down myself. My intentions were to pay it off so I could resume service with XXXX as soon as my balance was paid. They neglected to notify me that even though my account was closed and they were in fact accepting payments from me that they had in fact sent my account out to bill collectors as if I were not making any payments to them and then it was placed on my credit reports making it look like I had owed XXXX  monies that XXXX  could couldn't collect from me and that simply is just not true.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am receiving notices on my credit score from a JP Morgan Chase credit reporting app that is stating I made 6 late payments even though I have never missed a payment or accrued interest. I believe my credit score is misrepresented and I desire a dispute to have this misconception amended and my credit score brought up. 

Further, I am receiving many more credit inquiries than I have agreed to. For example, XXXX XXXX sent me a card saying I was preapproved, so I agree to have the card and they made a credit inquiry and did not send the card. I have seen similar tactics from XXXX XXXX  and JP Morgan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pendrick Capital Partners
State: KY

Complaint narrative:
In XX/XX/XXXX, I received a collections notice from Affiliate Asset Solutions LLC stating that they had bought/sold Pendrick Capital Partners LLC debt for amount referenced below. 
The original account, not belonging to myself is as states. 

Patient : XXXX XXXX XXXX account number : XXXX Original creditor : XXXX XXXX XXXX XXXX Date of Service : XX/XX/XXXX Balance Due : XXXX Upon receipt of this letter, I sent a reference letter and dispute to Affiliate at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX GA, XXXX. 
I have received no correspondence and now this reflecting on my credit reports. 

I, XXXX XXXX, was not treated for any condition on XXXX XXXX. If I was, it would have been in KY, where I reside and would have been covered by KY XXXX which I received for many years. Beside the fact that this is an inaccurate debt, any treatments disclosed in the itemized bill sent to the creditor would have violated HIPPA. 

This debt was not incurred by me and does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 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: NY

Complaint narrative:
I am receiving notices on my credit score from a XXXX XXXX XXXX XXXX XXXX app that is stating I made 6 late payments even though I have never missed a payment or accrued interest. I believe my credit score is misrepresented and I desire a dispute to have this misconception amended and my credit score brought up. 

Further, I am receiving many more credit inquiries than I have agreed to. For example, XXXX XXXX sent me a card saying I was preapproved, so I agree to have the card and they made a credit inquiry and did not send the card. I have seen similar tactics from XXXX XXXX  and 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 explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: OH

Complaint narrative:
On XX/XX/2021 I, sent a debt validation letter, as well as a cease and desist letter via certified mail to XXXX XXXX XXXX in regards to an alleged debt from ORIGINAL CREDITOR ( XXXX ). XXXX XXXX XXXX DID NOT or simply COULD NOT validate the alleged debt so they removed it from my credit file with the BUREAUS. On XX/XX/2021 the same alleged debt/collection from ORIGINAL CREDITOR ( XXXX ) reappeared on my credit reports under a different Collection Agency name : Receivables Performance Management. On XX/XX/2021 a debt validation letter and cease and desist letter was sent to Receivables Performance Management via certified mail. Violation ( 1 ) Pursuant to 15 USC 1681i ( 5 ) ( A ) ( i ) Treatment of Inaccurate or Unverifiable Information In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; Violation ( 2 ) Pursuant to 15 USC 1692g of the FDCPA Validation of Debts ; Violation ( 3 ) Pursuant to 15 USC 1681i ( 5 ) ( C ) Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumer 's file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ) ). Violation ( 4 ) Pursuant to 15 USC 1681i ( 5 ) ( B ) ( i ) Certification of accuracy of information. If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the the information is complete and accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I opened a XXXX  Credit Card For XXXX XXXX XXXX  on XX/XX/XXXX, for XXXX XXXX XXXX XXXX. We were forced to shut down in XX/XX/XXXX by the Government, due to the Covid-19 Pandemic. When the XXXX  was operating the office manager was responsible for monitoring payment monthly. If you review my credit history with this Credit Card, you can see that I never had any late payments before Covid-19 Pandemic. Due to the Covid- 19 pandemic we were not able to return to the office until XXXX. As soon as I saw there was a late payment, I paid the balance off completely in full. My credit is very important to me and if it wasn't for a global shut down there would be no late payments. I asked Chase to stop reporting late payments to my credit bureaus as this was not a typical situation and XXXX XXXX was strongly affected by Covid, as it was forced to shut down.We live in XXXX XXXX, which was and is the epicenter for Covid. Our business was forced to close for almost 7 months.I have XXXX XXXX XXXX and are prone to XXXX, there for I was scared to leave my house. I ask you to please help with removing the late payment from my credit asap, as it is strongly affecting us obtaining a mortgage. We want to purchase a home that is more isolating and more safe during such scary times, my credit score is solely being impacted by the late payment from the XXXX  Chase credit card, and is making it impossible to get approved for a mortgage. I appreciate your help with this matter Thank you XXXX XXXX SS # XXXX Chase XXXX CC # XXXX Open on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 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: HI

Complaint narrative:
My card had been on restriction due to suspected fraud and unusable for a couple of months. On XX/XX/XXXX my secured credit card deposit was released into my card balance for what I thought was my request after 45 months of on-time payments. I called to confirm ( XXXX ) and was directed on how to un-restrict my card and be able to use it again with another agent. A remaining balance of XXXX was informed to me by 2 CapitalOne agents that when I cleared would set my card to XXXX balance and I was only waiting for document verification to release my card access. Through a third party I viewed my credit and saw that my card was status closed. I called CapitalOne ( XXXX ) to resolve, he said he spoke with another agent that was more able to assist me and got transferred to the next agent ( XXXX ) without any notation, so she was confused and finally decided to share the truth, that my account was closed back in XXXX and apparently nobody wanted to inform me of this and I was provided false information in all previous interactions, which I feel was to coerce funds from me. I was lied to and am in a worse place because I was cheated.

Company response to consumer: Closed with explanation