vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-24 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: AR

Complaint narrative:
XXXX XXXX sent me a email that it looked like my personal data may had been compromised. I opened it up and reviewed everything and there was several unknown inquiries and accounts that certainly did not belong to me. I pulled my credit to make sure, and these accounts I am reporting are definitely not mine. Please remove these items from my report. 

XXXX XXXX XXXX {$460.00} XXXX XXXX XXXX {$1000.00} XXXX  XXXX {$510.00} XXXX XXXX XXXX XXXX {$180.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I am writing to request your help on my case. PORTFOLIO RECOV ASSOC is reporting false and erroneous information to the credit bureaus. This is affecting me in a huge way. I sent them my dispute notice on XX/XX/XXXX and they did not even mark the account as disputed or run the popper investigation. The accounts I am writing about are the following : This company has been committing multiple violations to the Fair credit reporting act. I am demanding a deletion letter from them. 

1. ) Account PORTFOLIO RECOV ASSOC # XXXXDate Opened XX/XX/XXXX-Original Creditor XXXX XXXX XXXX XXXX XXXX.-Original Balance {$690.00} 2. ) Account PORTFOLIO RECOV ASSOC # XXXXDate Opened XX/XX/XXXX Original Creditor XXXX XXXX XXXX XXXXOriginal Balance {$1300.00} 3. ) Account PORTFOLIO RECOV ASSOC #  XXXXDate Opened XX/XX/XXXX-Original Creditor XXXX XXXX XXXX  -Original Balance {$1500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CO

Complaint narrative:
SPS owns our loan. Since they purchased the adjustable mortgage loan they have decided to not a lot the money Ive noted for principal. This has happened in XXXX and XXXX. In XXXX, I sent a separate check notated for principal only for XXXX and a check for XXXX $ for the normal monthly payment. They yet again decided to split the XXXX check into 2 allotments. They notated XXXX of that for the next 2 payments instead of having it go towards principal. I called them and again asked for this to be reversed. When they owned this same loan a few years ago we went through the same issues. I have worked with a lot of loan companies and this is the only one that can not seam to put the principal payments towards principal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
On a DISPUTED charge of {$51.00} on my Visa Signature Capital One credit card acct. ending # XXXX on statement for period XX/XX/19-XX/XX/19 I withheld payment of that disputed item of {$54.00}. Thereafter C.O.Charged a late fee of {$25.00} on statement for period XX/XX/19-XX/XX/19 and a second late fee of {$38.00} on statement for XX/XX/19-XX/XX/19 in violation of Credit Card Act of 2009, 15 U.S.C 1665d, sec.149.Moreover on XX/XX/19 I mailed C.O. cert.mail r/r/r ( received by C.O. on XX/XX/19 ) factually disputing the charge and requesting all verification as designated in 940 C.M.R. 7.08 ( 2 ), Code of Mass. Regs. To date no response except continue to bill, add interest and furnished disputed amounts to Credit Reporting Bureaus.Previous to said letter had tele.  conversation with C.O. Consumer Service rep. ( On hold for early 15 mins. ) in which rep. stated I was not responsible for disputed amount ; but, I had to call another dept. I said you should call as I have already spent too much time on phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
On XX/XX/2020, I received a letter dated XX/XX/2020 from Synchrony Bank. This letter states that, My request for credit for a credit program with JCPENNEY, was reviewed and denied because, Existing account with our credit program. 

It is true that I already have an existing account for many years. However, I did not make an application for an account. 

Upon calling for assistance, I was informed that my account had not activity on it. When I states that it seemed as if somebody had my information and used that information to submit a second application, I was told I would be transferred to another department. I was transferred, and then promptly hung up on. 

From my perspective, it seems that my information was fraudulently used to submit an application. Perhaps this is by somebody outside of the bank who has obtained my information, or possibly by a bank employee who is using existing customer information to submit applications and artificially boost their numbers ( like the XXXX XXXX scandal ). Either way, it is unacceptable to me that I have not been given an explanation for what spurred the letter I received.

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 2020-03-24 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: CA

Complaint narrative:
Here is another Problem with Transunion - Credit Reporting, the last Complaint did Nothing COMPLAINT ID XXXX SUBMITTED ON XX/XX/2020 I Applied for a Visa Card from XXXX XXXX - and was refused Credit, Transunion reported to XXXX/XXXX  XXXX - XXXX that I had a number of Deliquiant Accounts and a Bankruptcy?? 

Transunion sent me a Report it shows No Delequincies, No Bankruptcy - but what they send to Creditors is something different Also showing a reduced Credit Score by 100 points because of these inaccuracies, compared to XXXX, and XXXX  Someone needs to look into this they have a Glitch in their system or something - I have called them, and their XXXX that answer do Nothing The CFPB needs to hold Transunion accountable - not to just take their word that there isn't any false information - the attached is proof

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
While I was checking the process of getting my credit score report records show some credit cards has been found unknown. {$570.00} from lvnv funding on XX/XX/2015. This credit card is unauthorized transaction and maybe identity theft is considered.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 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: NY

Complaint narrative:
Ive been victim a identity theft

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 2020-03-24 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: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I used my Ally Bank debit card to book an {$890.00} airline ticket with XXXX XXXX. But then, Coronavirus came, and I tried to call XXXX XXXX to refund this amount, as per the airline 's policy. During this process I fell victim to an online scam : 1 ) I searched XXXX for " XXXX XXXX contact info '' and saw the merchant 's deceptive ad ( screenshot attached ) with a phone number, which I had assumed to be XXXX XXXX ( it wasn't ). 

2 ) Merchant falsely represented themselves as a XXXX XXXX representative, but stated that " computers are down due to call volume due to Coronavirus '' so proceeded to ask me for all my information -- confirmation number, flight number, billing amount. Merchant said that they could then proceed to issue a refund, but would have to charge me a {$160.00} fee. 

3 ) I gave credit card details expecting to pay {$160.00} for a service that would cancel/refund my XXXX XXXX flight. I got a receipt from merchant stating " your flight has been cancelled '' ( screenshot attached ). 

4 ) Flight was not cancelled. I did not get service provided as documented on the receipt. Then realized that Merchant is not XXXX XXXX ... called the real XXXX XXXX who confirmed that this is a scam, and that this 3rd party could not cancel the flight on my behalf. 

5 ) Upon further research I found that merchant is using this same telephone number on a number of fraudulent domains such as " XXXX XXXX contact '', " XXXX XXXX contact '', many of which are based in XXXX ( XXXX ). (  screenshot attached ). 

I believe this to be an online scam where merchant phishes for people thinking they're contacting an airline, takes credit card information, and charges fees for fake service which they don't and can't provide. Merchant lies on the phone and falsely claims to be the airline in question. 

{$160.00} fee was originally billed as " XXXX, VA '' from some virginia address, but when the charge settled it changed to " XXXX XXXX IL '' ( Illinois ).

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 2020-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
TransUnion is in violation of reporting an account ( XXXX XXXX ) that is past statue of limitations. I've sent dispute letters ( with my identity ), follow up letters ALL certified and even called to have this account removed. They have yet to remove this account!

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 2020-03-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
While I was checking the process of getting my credit score report records show some credit cards has been found unknown. {$450.00} from portfolio recovery on XX/XX/2017.This credit card is unauthorized transaction and maybe identity theft is considered.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : CAPITAL ONE XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 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: FL

Complaint narrative:
since XX/XX/2019, I have sent severla letters to Equifax regarding medical collections that they are reporting as accurate. XXXX and XXXX have already deleted these items on their end because they could not verify the accounts, but yet Equifax is reporting them as verified. I have asked for documentation that shows my signature regarding these accounts. I do not remember having any accounts and Equifax is reporting it as valid. Time after time, they have not been able to produce such documents and only respond to me with a generic response. I want to see documents of what has been produced or how it was verified. i want to see my signature on these documents!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 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: Portfolio Recovery Associates, LLC
State: AR

Complaint narrative:
I recently filed a an identity theft report after realizing my identity had been compromised and submitted it to all three credit bureaus ( XXXX, XXXX, an XXXX. I have also reached out to collection agencies who have appeared to have ownership of the debt. For some reason this account is still displaying on my credit file and it should not be due to it being established through fraud or identity theft. It seems both the bureaus and collection agencies are violating the Fair Credit Reporting Act and the Fair Debt Collection Practice Act. The accounts in question are Portfolio Recovery Acct XXXX Bal {$400.00}, XXXX  # XXXX Bal {$130.00}, XXXX XXXX # XXXX Bal {$440.00}, and XXXX Bal {$150.00}. These accounts are all associated with identity fraud I have submitted supporting documentation for the 2nd time to the three major consumer reporting agencies to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-24 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: AR

Complaint narrative:
XXXX XXXX sent me a email that it looked like my personal data may had been compromised. I opened it up and reviewed everything and there was several unknown inquiries and accounts that certainly did not belong to me. I pulled my credit to make sure, and these accounts I am reporting are definitely not mine. Please remove these items from my report. 

XXXX XXXX XXXX {$460.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX {$510.00} XXXX XXXX XXXX XXXX {$180.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}

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 2020-03-24 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: AR

Complaint narrative:
XXXX XXXX  sent me a email that it looked like my personal data may had been compromised. I opened it up and reviewed everything and there was several unknown inquiries and accounts that certainly did not belong to me. I pulled my credit to make sure, and these accounts I am reporting are definitely not mine. Please remove these items from my report. 

XXXX XXXX  XXXX {$460.00} XXXX XXXX XXXX {$1000.00} XXXX  XXXX {$510.00} XXXX XXXX XXXX XXXX {$180.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}

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 2020-03-24 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 — Was not notified of investigation status or results
Company: Radius Global Solutions LLC
State: GA

Complaint narrative:
1. XX/XX/XXXX XXXX XXXX was billed in the amount of {$230.00} for alleged XXXX  2. Once billing received XXXX and XXXX XXXX provider were contacted multiple times with no success. XXXX promised to remove billing based on medical insurance EOB for the claim but never acted upon it. 
3. The doctor 's office on multiple occasions called medical insurance provider from XXXX - XX/XX/XXXX and XXXX during same period to get the erroneous billing removed/corrected with no success despite promises to correct 3.On XX/XX/XXXX the Collector/XXXX/XXXX   were contacted by XXXX XXXX XXXX XXXX, Attorney-At-Law to verify the debt ( see atatched ). No verification of the debt was provided to-date under Section 809 of Fair Debt Collection Practices Act. 
4. The collector unlawfully proceeded to report derogatory information on credit reports subsequent to XX/XX/XXXX, without providing a response or the required verification of debt to the legal counsel. 
5. The debt seems to be sold/transferred to different collection agencies to bypass legal responses to attorney to verify debt and buy time and then eventually reported as collection activity on credit files.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-24 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: AR

Complaint narrative:
My mom informed me that I received a letter in the mail from where I use to live stating that I owed child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Pollack & Rosen, P.A.
State: FL

Complaint narrative:
Several months ago I contacted XXXX XXXX on an old credit card bill that was charged off so I could help increase my credit score. The  amount was under {$1500.00}. It was agreed verbally that the payoff would be decreased to {$700.00}. I was able to pay {$500.00} that day and agreed to pay the remaining {$200.00} when I could over the next several months. They agreed on a recorded line and also sent me a settlement letter. Since that time, I can not find a copy of the settlement letter they sent me as it was in my briefcase stolen from my fiance 's truck when there were break ins in our neighborhood in XXXX County ( they also stole his laptop and we have proof of all this/the thieves were apprehended ). That being said, this past week I have been receiving letters from several lawyers that a class action suit has been filed against me by XXXX XXXX - at least 5 letters came. I called XXXX XXXX 's customer service number but it only asks me to please hold and then a law firm picks up. I explained to them that I had reached a settlement agreement with XXXX  XXXX but they refused to listen, stating I owed over {$1400.00} and needed to produce the settlement letter to prove this. I told them I needed to speak to XXXX XXXX because the call was recorded and I did not have a copy of the letter, and asked if there was another number I could call. The first staffer I spoke to stated I needed to speak to XXXX XXXX directly but I told them I keep getting transfered over. He couldn't help me. The second staffer I spoke to stated the same - you owe {$1400.00} and at that point I got very upset and stated I was not hanging up until they put me in touch with XXXX  XXXX or gave me a number to call them - so she hung up on me. I feel this is fraud and they are trying to collect money that is not owed. I payed the {$500.00} and only owe {$200.00} but how can I prove this if I can't get through to XXXX XXXX? This law firm is blocking me from getting through to XXXX XXXX to get the legitimate information which is my right. They are demanding money that is not owed and this is in no way fair

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 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: AR

Complaint narrative:
My mom informed me that I received a letter in the mail from where I use to live stating that I owed child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items 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 2020-03-24 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: NY

Complaint narrative:
Ive been victim a identity theft

Company response to consumer: Closed with explanation