vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: TX

Complaint narrative:
My name is XXXX XXXX and I am a victim of identity theft. I contacted the debt collector IC System and disputed the alleged debt pursuant to the FDCPA and FCRA. As of this complaint I have not received any proof or validation of this alleged debt. I did NOT incur this debt. I am attaching my identity theft notice/report from the FTC in an effort to have this item removed 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 2021-11-17 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/ I sent a dispute to Transunion regarding a public record of bankruptcy reporting on my consumer report. I received a response on XX/XX/ stating that it was verified when I spoke to a representative, i was told that it was verified through XXXX XXXX. I then called XXXX XXXX and they verified that there are NO bankruptcy records for me in there records. XXXX XXXX provided me with a copy of my report and it shows no bankruptcy records as well .I also contacted the court and they informed me that they did not report to any 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 2021-11-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I, Consumer XXXX XXXX entered a consumer credit transaction at XXXX XXXX XXXX for household and personal use and received no benefit. Sold and furnished my personal and private information to Capitol One as the lien holder and Converted to a " loan '' In accordance with the FTC, TILA, FDCPA, and FCRA is in Violation pursuant 12 USC 4502 ( 25 ) consumer rights pursuant 18 USC 242 deprivation of rights under color of law pursuant 16 CFR 444.1-3 and 16 CFR 433.2 preservation of consumer claims and defenses unfair and deceptive acts or practices. Billing error Pursuant 15 USC 1666 and 12 CFR 1026.13 Billing error resolution pursuant 15 USC 1692 e false and misleading representations pursuant 15 USC 1692 j Deceptive forms and obscene and profane language pursuant 15 USC 1692 d harassment and abuse.Any debt allegedly owed pursuant 18 USC 8. 15 USC 1635 right to rescission as to certain transactions, only recieved right to cancel did not disclose my right to rescind.15 USC 1692j furnishing deceptive forms. 15 USC 1605 Finance Charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 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: OR

Complaint narrative:
In XX/XX/ I paid off the account in full and then capital one enrolled me into a Covid relief program I didnt agree to for 9 months the account was paid off in full and now it is suspended and they add {$27.00} per month to the balance claiming it is a Covid relief program I didnt enroll for and how is adding {$27.00} per month to a card with no balance Covid relief they need to remove my account from this program and remove the {$27.00} per month since XXXX to a XXXX balance I will not pay for something I didnt purchase or enroll in

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: TX

Complaint narrative:
BBVA was bought out by PNC bank. We were assured the transition would be seamless. However over the bank transition weekend we had no access to our accounts online. I was unable to access my accounts for several days afterward resulting in overdrafts and fees. Once I was able to regain access my accounts were no longer linked and I was not able to transfer money between them online or through the app but had to either go to a branch or withdraw cash from one account at the atm and deposit it to another ( which didnt always work depending on the status of the atm ). I tried getting help at the local branch but received different responses and no solution. Customer service never answered phone calls. I did not receive help until I posted complaints on social media where I was advised to complete an account linking form and was told the problem would be resolved by the following week. That was XX/XX/XXXX and the problem has not been resolved. The leadership of PNC has failed to acknowledge the distress and inconvenience this transition has caused. I have contacted PNC twice since the XXXX to check the status of my request and have only been told I have to wait for the process to be complete. This process was something I had and appreciated as a BBVA customer and was assured that it would be available to me as a PNC customer. I didnt not ask for this merger to occur and it caused me weeks of emotional distress and extreme inconvenience as a small business owner that continues to occur.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am apply under the Cares act - because of the pandemic I lost my job and unable to maintain the payment to this account XXXX XXXX XXXX Account number XXXX. Please remove the account from all three of my credit bureaus so I may proceed to improve my financial situation. I am requesting relief under the 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 2021-11-17 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: TX

Complaint narrative:
I am apply under the Cares act - because of the pandemic I lost my job and unable to maintain the payment to this account XXXX XXXX XXXX Account number XXXX. Please remove the account from all three of my credit bureaus so I may proceed to improve my financial situation. I am requesting relief under the Cares act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Checkr, Inc
State: TX

Complaint narrative:
On XX/XX/ Checkr initiated a background check for pre employment for a company that I intend to work. I spoke with someone and was informed that they are waiting for background information from the state of Georgia. I explained to the rep that I have never lived in Georgia and no affiliation to that state. Checkr just completed a background check less than a year ago for the state that I currently reside and Georgia wasnt even listed. I am not sure where they obtained a Georgia address but the information they have is inaccurate. I have reached out to the company twice to no avail. I am seeking a resolution and I insist they remove the erroneous information that they obtained immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
Requests for method of verification of bankruptcy listed on my credit report were sent to Experian on XX/XX/21, XX/XX/21, XX/XX/21 and XX/XX/21. As of yet, I have not received any description of the method used to verify this account nor who verified this account. 

It has been 7 months and Experian has denied me my right as a consumer to copies of documentation associated with this public record. 

Experian is in violation of section 609 ( a ) ( 1 ) ( a ) of the Federal Credit Reporting Act. Under this law, Experian is REQUIRED to verify-through physical verification of the original signed consumer contract and/or judgment ( s ) - all accounts and public information that you post on anyone 's credit report. You leave your consumers vulnerable to fraudulent adn erroneous information being reported on their credit reports when you do not follow protocol set forth by the FCRA. 

Experian has failed me as a credit reporting agency. At this point, it is doubtful that you have completed an acutal investigation otherwise I would expect that I'd have the documentation that I not only requested but what is owed to me as a consumer.

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 2021-11-17 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: PNC Bank N.A.
State: NJ

Complaint narrative:
In XXXX I opened a checking account at PNC Bank. I added another person to my account in XXXX of XXXX. The proper papers were signed, scanned and are on file with PNC Bank. In XXXX I inquired about how to add my son to the account, but I was told that the other person on the account would have to be present to sign papers. At that point, I decided not to add my son to my account. In XXXX of XXXX, he was added to my account with no authorization.. 

In XX/XX/XXXX, my bank account was levied by a collection agency trying to collect a debt owed by my son. On XX/XX/XXXX my son attended online court with proof that none of the money in the account was his. He showed my paystubs with matching deposits. The judge ruled in his favor and the levy was lifted. 

In XX/XX/XXXX, my account was levied again by the same collection agency. I didn't get the necessary paperwork to the court on time, so on XX/XX/XXXX, my money was taken from my account ( {$750.00} ). 

Since my son is on my account without any authorization, and none of the money taken from my account was his, I would like PNC to refund my money and remove my son from my account. 


Attached PDF includes : Page 1 - copy of my federal tax return Page 2 - copy of my state tax return Page 4 - copy of my bank statement showing deposits of tax returns and first stimulus check Page 5 - bank statement showing deposit of my second stimulus check.

Page 6-8 - bank statements showing no further deposits Page 9 - bank statement showing {$750.00} taken from my account on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I sent a dispute to Equifax regarding a public record of bankruptcy reporting on my consumer report. I received a response on XX/XX/2021 stating that it was verified when I spoke to a representative, i was told that it was verified through XXXX XXXX. I then called XXXX XXXX and they verified that there are NO bankruptcy records for me in there records. XXXX XXXX provided me with a copy of my report and it shows no bankruptcy records as well XXXX also contacted the court and they informed me that they did not report to any credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
After sending a Notarized Affidavit of Validity, Midland Funding failed to verify this alleged debt. This company is furnishing deceptive information and forms pursuant to 15 U.S.C 1692j on me a Natural Person whos Federally Protected. I am a Consumer whos never authorized nor autographed any agreements with midland funding, Which is a clear indication of Aggravated Identity Theft according to 18 U.S.C. 1028A. This company is violating my consumer rights and reporting false and misleading information and representation 15 U.S.C. 1692e of an alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
CITI CARDS/CBNA - XXXX is not reporting my account to XXXX. This account not being included on my XXXX credit report is negatively impacting my credit scores. This error needs to be fixed. 

XXXX XXXX XXXX - XXXX is not reporting my account to XXXX XXXX This account not being included on my XXXX credit report is negatively impacting my credit scores. This error needs to be fixed.

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 2021-11-17 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I sent out several letters in regards to a few accounts reporting on my credit report that did not look accurate. I asked for them to review everything and confirm these accounts that I'm not familiar with. I have not heard anything. 

I sent a letter on XX/XX/2021 and XX/XX/2021 these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANKERS HEALTHCARE GROUP LLC
State: FL

Complaint narrative:
I applied for a loan with Bankers Healthcare Group LLC in XXXX of 2021 I was denied for unknow reasons didn't receive adverse letter until day 30. So I applied for another one of their products which was a business credit card I was also denied saying they couldn't verify my identity which is untrue because my personal and business credit was pulled by XXXX  that caused an hard inquiry on my credit report. 

The reason given for the credit card application was " unable to identify my identity '' and was told to call XXXX, which I did and they said there was no reason for the company not able to identify me because all my personal information is up to date. 

So I feel that the company is violating my ECOA because they are not giving my a vailed in-depth reason for the denial so I can fix the problem to reapply in the near future.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
My sons father used my social to her car insurance thru XXXX. He opened account in XX/XX/2021. He owes {$420.00} I filed a report, i disputed it with fraud, i called XXXX, i got fraud alert on my credit. Next step is police report

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 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: MD

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve. Regardless of the written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXXBalance {$0.00} XXXX {$8100.00} XXXXXXXX XXXX****-Balance {$49.00} ( Original Creditor : XXXX XXXX ) XXXXBalance {$420.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I was benefiting from a program called the bi-weekly mortgage program with my previous servicer AmeriHome Mortgage from XXXX until XXXX. The main benefit is to cut short my repayment plan so I can own my home sooner, saving me in interest. My loan was sold and transferred to XXXX XXXX I believe at the end of XXXX. Because my loan was sold to XXXX XXXX, my participation in the bi-weely mortgage program was disrupted and I was unaware and was not notified that I was no longer in it. I called customer service and they told me that I could continue in the program but I would need to submit additional paperwork in the mail. I never received the paperwork to do so. Now as of XX/XX/XXXX, my loan was sold and transferred to PHH Mortgage. I called them and asked if they had such a bi-weely mortgage program. They said they no longer offered it and was discontinued some time ago. 

My issue is that people such as myself who were benefiting from the bi-weekly mortgage program, have suddenly lost this benefit through no fault of their own because the investor decided it was best for them to repackage others ' and my loan to be sold of to another servicer. Is it fair that I can no longer benefit from a program I was in because some anonymous investor without consent decides to transfer my loan to another servicer who doesn't provide the same level of service? 

I am asking you for guidance if their is something in the law or directive to rectify the matter? Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XXXX XXXX - XXXX is not reporting my account to XXXX. This account not being included on my XXXX credit report is negatively impacting my credit scores. This error needs to be fixed. 

JPMCB CARD SERVICES - XXXX is not reporting my account to XXXX XXXX This account not being included on my XXXX credit report is negatively impacting my credit scores. This error needs to be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX - XXXX is not reporting my account to Equifax. This account not being included on my Equifax credit report is negatively impacting my credit scores. This error needs to be fixed. 

XXXX XXXX XXXX  - XXXX is not reporting my account to Equifax XXXX This account not being included on my Equifax credit report is negatively impacting my credit scores. This error needs to be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Velocity Portfolio Group
State: MN

Complaint narrative:
I contacted XXXX XXXX for the debt owed on my XXXX XXXX account back in XXXX of 2021. At this time, it was reporting negatively on my credit report but had not yet shown up as collections on my credit report. XXXX XXXX were not willing to negotiate the debt at all and had informed me that it had been sent to collections, XXXX to be exact. I contacted this company by calling XXXX and set up arrangements for a settlement to be paid in full on XX/XX/XXXX. I explained that I was getting ready to purchase a home and it was important to me to get things cleared up quickly and before any collections hit my credit report. The lady I spoke with assured me that they would contact the credit reporting agencies within XXXX weeks of receipt of payment to report the debt as paid, settled in full. They drafted {$510.00} from my checking account on XX/XX/2021 and I received a confirmation letter shortly after confirming the debt had been paid. 
Today, XX/XX/2021, I checked my credit report as I WAS supposed to be applying for a home loan next month and XXXX showed up on my credit report as owing a balance of {$330.00} on an original balance of {$840.00} to XXXX XXXX. I called the company to see what happened and they stated that there was a mix up in communication and the settlement was never reported to anyone, and not only that, but on XX/XX/2021 XXXX reported this debt that had been paid, as collections to the credit reporting agencies. Over 45 days AFTER the debt had been paid, they reported as collections, even though it had been paid. I am very upset and asked the person I spoke with at XXXX, since they knew it had been paid in XXXX and then still reported in XXXX if they could correct their error and contact the credit reporting agencies and have the collections account removed. They said they would not and was adamant that the information currently being reported was correct. I have PROOF this account was paid and have a letter from XXXX confirming receipt of payment and settlement of debt and they STILL WOULDN'T do anything to remove the account. 
I would like this debt to be completely removed from all three credit bureau accounts, as well as the original creditor to be reflected accurately, as it still shows that it's in derogatory status and unpaid.

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