vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-16 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: NY

Complaint narrative:
I called " Portfolio Recovery Associates, LLC '' on XX/XX/2020 and spoke to XXXX XXXX in regards to a debt they have under my name and in collections in the amount of {$3200.00}. After attempting to negotiate and work out a deal, he transferred me to his manager named XXXX and she spoke to me on available options. I listened, but explicitly mentioned several times that I could not accept their offer. Again, I said that to them multiple times given that I could not commit. Well, they went ahead and WITHOUT my permission entered me into an agreement to pay {$2400.00}. It states ( I have their documentation of this payment plan ... they sent to my home ). They basically put that I accepted her offer and placed me in a payment plan that I never accepted. This is a deceptive practice that preys on the vulnerable and without my permission puts me in a terrible predicament to defend myself. According to XXXX XXXX, I am ALLEGEDLY being sued and this debt is in civil court ( they didn't want to provide me with any proof ). Stating that I agreed to this payment plan sets me up to lose that case because if I didn't notice, they could have claimed that I failed to uphold my payment plan ... thereby I lose my case. I only found out about this payment plan because I called a few days later and their new agent informed me about it. This is lying and an ignoble practice.After calling them and telling them I did not consent to this payment plan and it is falsified, they still continue with it and just sent me a letter asking for payment. They aren't listening. 

My biggest concern is that if I did not call again I wouldn't have known about this plan they entered me without my consent. And if this matter is truly in court, this shows that I am in violation when in truth I never agreed to this deal. They have a recording of our call and I demand they be held accountable. 

They violated Sections 805, 807, and 808 of the Fair Debt Collection Practices Act. 

" Portfolio Recovery Associates, LLC should be held responsible for falsifying my consent into a payment plan. This is a deceptive practice, against the law, and intended to further implicate me in the debt. I look forward to pursuing this matter because the potential damage that could have been done shouldn't be taken lightly. I wonder who else have they done this to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 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: CA

Complaint narrative:
On XX/XX/2020 I went to my bank to apply for the Paycheck Protection Program offered by the government to pay my employees. On XX/XX/2020 I was denied because of negative remarks on my credit profile. After going over my credit report with my banker I found accounts that never belong to me. I never authorized these accounts to be opened in my name nor did I receive any type of money or benefits from them. There is also a bankruptcy under public records that does not belong to me. I have never filed bankruptcy and have never been in a position where I needed to file bankruptcy. I tried calling the bankruptcy courts to resolve this matter but have not received any response. On top of all these accounts someone has been running my credit as there are multiple auto loan and credit card inquiries. I did not authorize any of these inquiries. Please help me resolve this issue.

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 2020-05-16 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
SYNCB/XXXX  Has reported on an old account from XX/XX/2014 that they charged off {$48000.00} on my account when Im fact they sold the asset and collected almost {$32000.00} and tried to collect the {$16000.00} from me. The account is reflected fraudulently on multiple credit reporting agencies and I have tried to dispute and get it corrected. 

They have since charged off the {$16000.00} but show it still to be currently open and they consistently update it affecting my credit rating when every other account I have had both prior to and since this is in exceptional standing.

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 2020-05-16 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: CA

Complaint narrative:
On XX/XX/2020 I went to my bank to apply for the Paycheck Protection Program offered by the government to pay my employees. On XX/XX/2020 I was denied because of negative remarks on my credit profile. After going over my credit report with my banker I found accounts that never belong to me. I never authorized these accounts to be opened in my name nor did I receive any type of money or benefits from them. There is also a bankruptcy under public records that does not belong to me. I have never filed bankruptcy and have never been in a position where I needed to file bankruptcy. I tried calling the bankruptcy courts to resolve this matter but have not received any response. On top of all these accounts someone has been running my credit as there are multiple auto loan and credit card inquiries. I did not authorize any of these inquiries. Please help me resolve this issue.

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 2020-05-16 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: CA

Complaint narrative:
On XX/XX/2020 I went to my bank to apply for the Paycheck Protection Program offered by the government to pay my employees. On XX/XX/2020 I was denied because of negative remarks on my credit profile. After going over my credit report with my banker I found accounts that never belong to me. I never authorized these accounts to be opened in my name nor did I receive any type of money or benefits from them. There is also a bankruptcy under public records that does not belong to me. I have never filed bankruptcy and have never been in a position where I needed to file bankruptcy. I tried calling the bankruptcy courts to resolve this matter but have not received any response. On top of all these accounts someone has been running my credit as there are multiple auto loan and credit card inquiries. I did not authorize any of these inquiries. Please help me resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 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: OH

Complaint narrative:
I have requested the METHOD OF VERIFICATION multiple times with XXXX, XXXX, Transunion concerning this Bankruptcy that is reporting on my credit report. Per FCRA, Section 609 a ( 2 ) I am requesting to see what XXXX, XXXX, and Transunion used as proof to verify the bankruptcy. XXXX, XXXX, and Transunion has repeatedly sent me pre-made letters stating, " VERIFIED '' and the information was furnished to them through XXXX XXXX. This is impossible that XXXX investigated this situation due to the fact I spoke with a representative of XXXX XXXX AT XXXX and XXXX XXXX STATED THERE IS A FREEZE DUE TO IDENTITY THEFT ON MY REPORT AND THEY DID NOT VERIFY ANY INFORMATION WITH XXXX, XXXX, AND TRANSUNION. 

Also, Section 611, paragraph ( 6 ) ( B ) ( iii ) regarding procedures and results of investigation states " ... if request by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, in the business name and address of any furnisher of information CONTACTED, meaning a LIVE PERSON NOT A COMPUTER DATABASE in connection with such information and the telephone number of such furnisher if reasonably available ... '' Credit reporting agencies are required to conduct investigations of disputed items with the " FURNISHER '' of information. The Bankruptcy Court should be the furnisher of information not a third-party source such as XXXX XXXX. 

I will be sending a copy of this letter to the CEO of XXXX. I will not accept any more pre-made responses from 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 2020-05-16 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: OH

Complaint narrative:
I have requested the METHOD OF VERIFICATION multiple times with XXXX, Equifax, XXXX concerning this Bankruptcy that is reporting on my credit report. Per FCRA, Section 609 a ( 2 ) I am requesting to see what XXXX, Equifax, and XXXX  used as proof to verify the bankruptcy. XXXX, Equifax, and XXXX has repeatedly sent me pre-made letters stating, " VERIFIED '' and the information was furnished to them through XXXX XXXX. This is impossible that XXXX investigated this situation due to the fact I spoke with a representative of XXXX XXXX AT XXXX and XXXX XXXX STATED THERE IS A FREEZE DUE TO IDENTITY THEFT ON MY REPORT AND THEY DID NOT VERIFY ANY INFORMATION WITH XXXX, EQUIFAX, AND XXXX. 

Also, Section 611, paragraph ( 6 ) ( B ) ( iii ) regarding procedures and results of investigation states " ... if request by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, in the business name and address of any furnisher of information CONTACTED, meaning a LIVE PERSON NOT A COMPUTER DATABASE in connection with such information and the telephone number of such furnisher if reasonably available ... '' Credit reporting agencies are required to conduct investigations of disputed items with the " FURNISHER '' of information. The Bankruptcy Court should be the furnisher of information not a third-party source such as XXXX XXXX. 

I will be sending a copy of this letter to the CEO of XXXX. I will not accept any more pre-made responses from XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: DISCOVER BANK
State: TX

Complaint narrative:
I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries present in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least, they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries present in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least, they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I opened a PNC Bank Business account yesterday XX/XX/2020. I deposited {$500.00} cash I also deposited {$10.00} via XXXX XXXX. I was told my funds will be available today XX/XX/2020. When my funds of {$510.00} was available early in the morning on XX/XX/2020 I proceeded to deposit {$2100.00} into the same PNC business account which brought my account up to {$2600.00}. During the day while checking my account my account balance said {$0.00}. Then I called PNC Bank customer service to find out what was the reason for this they said my account was pending closure. Which no reason has been given why my account was closed and my funds were frozen. I was told to go to the branch and at the branch the same woman who opened up my business account the day before told me that there is nothing that can be done until Monday. Ive also called customer service multiple times today and Ive gotten the same answer no one has told me why my account was closed. Now I have no funds available funds that are used towards my business which is affecting my business and my customers. I need this resolved as soon as possible this is hurting my business and my brand I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: IL

Complaint narrative:
This complaint is about the student loan debt I acquired from XXXX XXXX XXXX in XXXX, Illinois. The school was a fraud school that lied to me about job placement if I attended there and graduated. 
I took out student loans in XXXX to XXXX to attend XXXX. in XXXX, Illinois, XXXX. 
After graduating from XXXX. I made several attempts to figured out what job they were going to find me, but all the attempts were met with lies of having to call back or being sent to the voicemail. 
I found out that U.S. XXXX XXXX XXXX has gotten involved and deemed XXXX XXXX XXXX a fraudulent school that lied to a lot of us. 
As of today XXXX XXXX is shutdown, because of the federal government and I'm stuck with student loans because there fraudulent practice. 
On XX/XX/XXXX I was made to take out {$9400.00} & {$4300.00} in student loans. 
I am making a complaint, because this school was a fraud. 
Please release from these student loans. 

XX/XX/XXXX for {$9400.00} and {$4300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
On XX/XX/XXXX, I made my final loan payment of {$260.00} to XXXX XXXX. The only amount that was left to pay was {$420.00} in late charges that had accumulated over the years. On XX/XX/XXXX, I notice that XXXX had not updated my account balance with any of the major consumer credit bureaus since XX/XX/XXXX so I filed a dispute with Experian. The dispute alleged that my balance was {$260.00} and not {$2400.00} as currently being reported. I uploaded to Experian a copy of a letter XXXX sent me dated XX/XX/XXXX that stated my principal balance was {$0.00} and late fees {$410.00}. However, upon resolution of the dispute on XX/XX/XXXX, the only thing that was updated was 30 days late payment in XX/XX/XXXX for which I will file a separate CFPB complaint for. Again, I filed another dispute on XX/XX/XXXX regarding the incorrect balance and again on XX/XX/XXXX, the resolution was the same as last time, no update to my current balance. Again filed another complaint another complaint on XX/XX/XXXX and the result have not come back yet. In addition, XXXX went so far as to change my XXXX  credit report from correct current balance of {$400.00} back to {$2400.00}.

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 2020-05-16 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have spoken with representatives from the company to resolve this issue and no action was taken further. The inaccurate items are affecting my credit score and hindering me from approvals.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
XXXX had deleted this account of my Credit report 3 times, 2 times with CFPB help, so after deleting it again 2 months ago a collection Company by the name of Portfolio recovery Purchased a Dead Account that did not belong to me. XXXX XXXX XXXX  deleted it because once again they say it was fraud. why do they keep putting this account for sale. for {$500.00} they are trying to get out of me also i lost 15 points instantly on my credit report. I want this corrected and removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 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: TX

Complaint narrative:
There are three late payments on my credit report from Capital One Bank on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I feel as though this reporting is incorrect because there were issues with me recieving my bills at this time and have attempted many times, via written letter, and emails, to get it removed and have been declined and given no proof as to why. I believed that these negative marks should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 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: NV

Complaint narrative:
I have requested the METHOD OF VERIFICATION multiple times with Experian and XXXX   concerning this Bankruptcy that is reporting on my credit report. Per FCRA, Section 609 a ( 2 ) I am requesting to see what Experian, and XXXX used as proof to verify the bankruptcy. Experian, and XXXX  has repeatedly sent me pre-made letters stating, " VERIFIED '' and the information was furnished to them through XXXX XXXX. This is impossible that Experian and XXXX investigated this situation due to the fact I spoke with a representative of XXXX XXXX AT XXXX and XXXX XXXX STATED THERE IS A FREEZE DUE TO IDENTITY THEFT ON MY REPORT AND THEY DID NOT VERIFY ANY INFORMATION WITH EXPERIAN, XXXX AND XXXX whom all are third party agencies. 

Also, Section 611, paragraph ( 6 ) ( B ) ( iii ) regarding procedures and results of investigation states " ... if request by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, in the business name and address of any furnisher of information CONTACTED, meaning a LIVE PERSON NOT A COMPUTER DATABASE in connection with such information and the telephone number of such furnisher if reasonably available ... '' Credit reporting agencies are required to conduct investigations of disputed items with the " FURNISHER '' of information. The Bankruptcy Court should be the furnisher of information not a third-party source such as XXXX XXXX. 

All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request. 

I am asking for this investigation because my credit score is important to me, and I believe it is being  unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 

I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record. 

Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 

I will be sending a copy of this letter to the CEO of Experian and XXXX  I will not accept any more template responses from EXPERIAN and 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 2020-05-16 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: GA

Complaint narrative:
I have spoken with representatives from the company to resolve this issue and no action was taken further. The inaccurate items are affecting my credit score and hindering me from approvals.

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