vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect
State: MI

Complaint narrative:
Dear Collector : Please be advised I XXXX XXXXXXXX state this letter is a demand for validation pursuant to the Michigan Consumer Protection Act and the FDCPA, made by XXXX XXXX. Your failure to respond may trigger an action for damages brought by an individual consumer against Americollect INC, for violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692 et seq., and the Michigan Collection Practices Act ( State Act ), MCL 339.901 et seq., which prohibit debt collectors from engaging in abusive, deceptive, and unfair practices. Furthermore, FCRA Sections 623 ( a ) ( 5 ) ( A ) & ( B ) stipulates what a collection agency must do to attempt to determine the date it must provide to a consumer reporting agency for calculating a seven-year period. This date is a key to ensuring that collection accounts, even when transferred from one collection agency to another, do not result in a change in the calculation of the seven-year period for retention of adverse information. 
Be advised THIS IS NOT MY DEBT! Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692 ( g ) : I XXXX XXXX state that your claim is disputed, and validation is requested. During this period of dispute, consistent with the requirements of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692 et seq., you are required to stop all efforts to collect this  alleged debt and remove any negative reporting to any credit reporting agencies or be held accountable for the ensuing liability and penalties arising under the FDCPA. Further consistent with the requirements of the FDCPA, 15 USC 1692g, please verify the debt you are seeking to collect, in writing, in the following particulars : What the money is owed for ; Explain and show how you calculated what you say is owed ; Provide copies of any papers that show the amount claimed to be owed was agreed upon ; Provide a verification or copy of any judgment if applicable ; State if you purchased this debt from the original creditor ; Prove the Statute of Limitations has not expired on this account Show proof that you are licensed to collect in Michigan Provide copies of your license numbers and Registered Agent Your failure to satisfy this request within the requirements of the Fair Debt Collection Practices Act will be construed as your absolute waiver of all claims against myself, and your tacit agreement to compensate : XXXX XXXX for costs and attorney 's fees. If after careful review of this debt, you find you have no valid reason to further your interest with me, please delete any negative information you are reporting to the credit bureaus and send us written verification this account has been deleted and closed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
CapitalOne is reporting inaccurate information on my credit report. They are reporting late payments from XX/XX/XXXX thru XX/XX/XXXX. All other late payments prior to XX/XX/XXXX should not be reporting late because o was in a medical payment plan program and I faced extreme financial hardship due to my medical condition since XXXX. I have tried to correct all the late payments history that has been reporting to XXXX  but has not received any assistance. The account has been deleted with XXXX and however my XXXX And XXXX credit score would s suffering due to this inaccurate reporting, at this time Im requesting that this account be deleted permanently from my credit report because of this account I have not been able to obtain a new job because of this account and I have not been working due to COVID 19 and my medical condition.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 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: FISERV FINXACT CORE
State: MI

Complaint narrative:
On or about XX/XX/XXXX I went to check my account balance on my XXXX  moneynetwork pay card from and noticed that there were numerous charges ( 241 charges for {$2.00} ) that started on XX/XX/XXXX and subsequently reduced my account balance to one cent. There were also 12 charges for {$2.00} but they were refunded back to my card after reporting the charges to both XXXX XXXX and XXXX as fraudulent charges. The 241 charges for {$2.00} have not as yet been returned to my account balance and were taken from my bank account via the debit card XXXX, yet there is nothing listed in my XXXX XXXX   transaction history to suggest I made these purchases. Nor does anyone besides me have access to my account information. I reported the multiple {$2.00} charges to both my bank and XXXX XXXX, but one or both of them denied or concluded it was not necessary to return the funds to my bank account. The fraud division at XXXX indicated that there was " inconsistent conflicting information '' as the reason for denying my fraudulent charges claim and I have since filed an appeal against their denial and await the results of their investigation. I also resubmitted a fraudulent charges request to XXXX XXXX and am awaiting the results of the review. Note : Update regarding XXXX XXXX : They claim to have invested it and have found nothing to support my claim. I honestly fail to see how they can fail to find sufficient information to support my claim when each of the {$2.00} charges were indicated to have been taken via XXXX XXXX nonstop for 56 hours in 10-20 second intervals until there was only the aforementioned one cent left in my account. I additionally submitted a police report on or about XX/XX/XXXX when I discovered the fraudulent charges.

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 2020-08-17 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: NY

Complaint narrative:
I obtained an Auto Loan from Capital One Auto Finance in XXXX of XXXX. To the best of my knowledge, I was the primary Borrower on the account, and XXXX XXXX was the co-signer. As a direct result of the acts of Capital One Auto Finance, my name was not on the vehicle title. As a result of such, several years ago, I was arrested and accused of XXXX XXXX XXXX. I provided documentation showing that I purchased the car, and I was released. The charges against me were eventually dismissed. 

I contacted Capital One Auto Finance, and they could not assist with having my name added to the title. Regardless of such, payments were continuously being made, and in XXXX the loan was paid off in full. 

Despite the facts above, Capital One Auto Finance has refused to correct the erroneous information on my credit report, which is drastically affecting my credit score. Capital One Auto Finance reports Debt included in or discharged through Bankruptcy, which is incorrect. Capital One provided a payoff letter back in XX/XX/XXXX, proving by its own account the loan was satisfied/paid-in-full. 

Capital One has continued to falsely report this information even after I've filed over a half dozen disputes with the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 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:
My XXXX card was paid off in full and was never late this account is close and have a negative mark on my credit report also my XXXX XXXX   card is also showing negative on my credit report which I also paid this card off in full and the only reason I was late was because of frude on my account so I was disputing that but my account was always paid on time and both accounts are closed so I dont understand

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 2020-08-17 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: Harris & Harris, Ltd.
State: IL

Complaint narrative:
XX/XX/2020 HARRIS & HARRIS, LTD Agency number XXXX has placed a debt on my credit file fraudulently and it is negatively affecting my credit. I have written this collection agency numerous times asking for VALIDATION of this debt with no proper response to my request under the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b }. The amount that is said to be owed is  {$150.00}. I have no knowledge of this debt or have never entered into any agreements with this company. I would like for this tradeline to be removed from my credit file as soon as possible. The original creditor number that is listed is XXXX. 
This erroneous and illegal tradeline is damaging my credit greatly! Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
In regards to the previous claim, CFPB should not close the case as the problem is not solved, I would not accept the decision that the company had responsed. 

Several bad practice had came to me by the company : 1. The company only contacted me once, and I missed the phone call, this is pretty common and the company should call for the second time at least, as other banks do, but they don't, kind of abnormal. 

2. Their wording " reserve the rights to close the account for any reason '' is a type of bully behavior as they can always make up the terms good for them and we consumers can only eat it. If it does not affect me who will want to use your credit card for the bank can that easily close a customer 's account. Closing my account had reduced my well established credit line and causing the credit score to  change, also, affecting my financial plan. 

3. In their response they played with the wording " return check could mean different things '', but in my account it literally just because I don't have enough money in my account, by accident, and no dishonest behavior to the bank as I made it up right away. The bank had no loss, but I had a great deal. 

4. Please noted, such odd term of closing your account had never been communicated before, don't tell me you wrote it somewhere in the card agreement with a billion words, you can write everything in, you can also made things up. I'm only talking about if this term is acceptable or not. 

5. Even this is a critical term which you guys believe, it should be communicated the first time I had experienced a returned check, by saying something like if second time your account will be closed, but I did not receive any notice like that. 

6. In general, I tried to fix it and make up the payment by using other resources right away after I noticed a rejected payment, my attitude towards the issue is very serious, but the bank is doing nothing on our communication and even on the response of the CFPB complaint, they just explained the same thing and nothing had really been investigated and they don't check if their way of doing things are fair enough. 

7. I had a total of roughly 10~15 credit cards open and had no issues with them ever, similar things happened before, other banks may charge you a fee rather than closing your account. I have a well-established credit line with no late payment ever, and that's me experiencing a bank incredibly closing my account. My great credit profile had turned this banks behavior into a joke ....

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 2020-08-17 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: William D. Meeker Enterprises, Inc.
State: NJ

Complaint narrative:
On XX/XX/2020 i got a notification from XXXX XXXX saying some mortgage lender has performed a credit check on my account. when i logged in XXXX XXXX i see the agency name as CIC Credit. 

i started inquiring recently about rates in XXXX XXXX, XXXX XXXX   but i never game my son or date of birth or provide authorization to run my credit. now XXXX XXXX says i have 12 days to find a mortgage lender to avoid degradation in my score. 

can you please look into the inquiry asap since i didn't not provide consent for sure. if you have any questions i can be reachable. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
Last week my husband was booking a beach vacation for 3 days for our family. The person scammed us by asking for payment via XXXX and then disappeared. The amount was {$860.00} and we contacted the bank and they said we authorized the transaction and are unable to do anything for us. This is considered fraud and TD bank should refund the money. Please help us. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 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: NY

Complaint narrative:
I obtained an Auto Loan from XXXX XXXX XXXX XXXX in XXXX of XXXX. To the best of my knowledge, I was the primary Borrower on the account, and XXXX XXXX was the co-signer. As a direct result of the acts of XXXX XXXX XXXX XXXX, my name was not on the vehicle title. As a result of such, several years ago, I was XXXX and accused of XXXX XXXX XXXX. I provided documentation showing that I purchased the car, and I was released. The charges against me were eventually dismissed. 

I contacted XXXX XXXX XXXX XXXX, and they could not assist with having my name added to the title. Regardless of such, payments were continuously being made, and in XXXX the loan was paid off in full. 

Despite the facts above, XXXX XXXX XXXX XXXX has refused to correct the erroneous information on my credit report, which is drastically affecting my credit score. XXXX XXXX XXXX XXXX reports Debt included in or discharged through Bankruptcy, which is incorrect. XXXX XXXX provided a payoff letter back in XX/XX/XXXX, proving by its own account the loan was satisfied/paid-in-full. 

XXXX XXXX has continued to falsely report this information even after I've filed over a half dozen disputes with the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 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 obtained an Auto Loan from XXXX XXXX XXXX XXXX in XXXX of XXXX. To the best of my knowledge, I was the primary Borrower on the account, and XXXX XXXX was the co-signer. As a direct result of the acts of XXXX XXXX XXXX XXXX, my name was not on the vehicle title. As a result of such, several years ago, I was XXXX and accused of XXXX XXXX XXXX. I provided documentation showing that I purchased the car, and I was released. The charges against me were eventually dismissed. 

I contacted XXXX XXXX XXXX XXXX, and they could not assist with having my name added to the title. Regardless of such, payments were continuously being made, and in XXXX the loan was paid off in full. 

Despite the facts above, XXXX XXXX XXXX XXXX has refused to correct the erroneous information on my credit report, which is drastically affecting my credit score. XXXX XXXX XXXX XXXX reports Debt included in or XXXX through Bankruptcy, which is incorrect. XXXX  XXXX provided a payoff letter back in XX/XX/XXXX, proving by its own account the loan was satisfied/paid-in-full. 

XXXX XXXX has continued to falsely report this information even after I've filed over a half dozen disputes with the credit bureaus.

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 2020-08-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: WA

Complaint narrative:
I have been trying for over a month to apply for a 6-month mortgage forbearance plan ( as allowed under the Federal Cares Act ) with Lakeview Loan Servicing c/o XXXX. If you go to their website to apply, it doesn't matter if you are on a mobile device OR hard wired laptop OR desktop computer, it will not actually let you apply for a forbearance. When you submit, it says " CRITICAL ERROR ''. Clearly, with just a handful of items they ask you to fill out, there is no critical error and no reason that this would be happening. It is impossible to actually apply for a forbearance online with them. 

My wife has not been working for almost an entire year. She was recently on Washington State Paid family leave due to the birth of our daughter, and she was slated to go back to work about the exact time that the COVID mess started. She has now been out of work since XXXX and is obtaining minimal unemployment at this point. I truly do have a hardship related to the COVID pandemic and Lakeview Loan Servicing is not allowing me to apply for a forbearance as allowed  with XXXX XXXX loans via the federal CARES act.

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 2020-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have contacted Experian multiple times regarding this issue and they refuse to correct the problem. This is the first step XXXX a taking to get this account addressed though complaints and unfortunately if they are still unresponsive I will have no choice but to get the courts involved. There is a XXXX XXXX Account ending in XXXX on my credit report that shows charged off and that i still owe money, but i have paid my debt to that company and they informed me my account is settled and they will remove the account from all three bureaus. Experian is the only one that still have not taken any action towards this matter. I have documentation from the company stating this information and they still refuse to remove the account. Also There is another account recently got added to my credit report from XXXX XXXX account number : XXXX I have already disputed this item and Experian removed it but for some reason they keep adding it back to my credit report without providing any new evidence showing this account belong to me. which is against the law. Experian continue to break the law and I will not stand for it any longer. If i can not get this issue resolved I will have no choice but to get the courts involved.

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 2020-08-17 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: Choice Recovery, Inc.
State: OH

Complaint narrative:
I have a loan with CHOICERECOV ( Original Creditor : XXXX   XXXX XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX CHOICERECOV ( Original Creditor : XXXX   XXXX XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 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: LA

Complaint narrative:
i provided my info to someone via XXXX  who said they do in house mortgages back in 2014 and they have opened accounts in my name the XXXX  page is no longer available nor a contact namber

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 2020-08-17 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: LA

Complaint narrative:
i provided my info to someone via XXXX who said they do in house mortgages back in 2014 and they have opened accounts in my name the XXXX page is no longer available nor a contact namber

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 2020-08-17 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: LA

Complaint narrative:
i provided my info to someone via XXXX who said they do in house mortgages back in 2014 and they have opened accounts in my name the XXXX page is no longer available nor a contact namber

Company response to consumer: Closed with explanation