vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
The items found within my credit report that I have listed below are not related to any transactions I made. I am alleging that a person or company -without authorization or consent- used my personal identifying information to apply for good, services, or money, and, was successful in creating some accounts. I did not authorize nor benefit from the following fraudulent and inaccurate inquires. Please block, delete, and remove the following from each Bureau 1. XXXX XXXX  XX/XX/XXXX 2. Capital One XX/XX/XXXX 3. XXXX XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX. XXXX  XXXX. XXXX XX/XX/XXXX {$820.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-28 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
You are reporting inaccurate information on this account. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 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:
My name is XXXX XXXX and I am submitting this complaint on my own behalf, and there is no third party involved. I have been violated as a federally protected consumer, natural person and original creditor under 15 USC Chapter 41. Equifax has violated 4 laws, as outlined in the attached materials that I've uploaded in my Affidavit of Truth. 14 days ago, I mailed Equifax my notarized Affidavit of Truth, my supporting exhibits, and my invoice with clearly defined terms and have not heard back from them on this matter, nor have I received my certified mail return receipts from them- so I have included screenshots to prove their receipt of my letters. I am demanding that all 4 of these fraudulent hard inquiry accounts be removed off of my credit report immediately, and that Equifax send me the invoice that I am owed for their illegal and discriminatory behaviors against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I have consistently paid my mortgage on time and in advance on good occasions. When Covid hit, my job went into part time, and I was now on unemployment, but still trying to pay my mortgage. 

In XX/XX/XXXX my statement from the company newrez was balanced. I paid two checks one for the mortgage and one for partial payment to the next month. I continued trying to make my payment in advance. 

In XX/XX/XXXX I was paying XX/XX/XXXX payment or part thereof. I got a statement showing I was owing for XX/XX/XXXX. 

Could not get a resolve from the company. At the end of XX/XX/XXXX I got a letter stating to send the XX/XX/XXXX payment to a new address. My loan had changed hands. My XXXX and XXXX payment had already been paid. 
There after the company began to become hostile. The dollars were adding up on my loan. No one to talk to due to Covid and the long wait on the line. 

I then realized that my monthly payment had changed. It went up. That shocked me. I was not notified of this change. 
I wrote a letter to the company on XX/XX/XXXX when I submitted my mortgage payment. Again on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX asking that they please correct the error in my loan and bring it to the correct balance if I owe them, but they are showing I owe over {$10000.00} in mortgage payments which is not correct. THE COMPANY SHELLPOINT HAS ALSO THREATEN ME WITH FORECLOSURE OF MY LOAN. 
I ask them to please provide me the following for reconciliation of my loan : 1 : What month date and year the loan changed hands as my payment could have gone elsewhere.

2 : Why did my loan payment changed or rather increased my loan is a fix rate.

3 : What was the first payment the new company received from me 4 : To provide a list of payments they received.

5 : To rerun my loan amortization table for the last 36 months to determine the error. 
I got a letter from the lenders insurance department. I told them I have had the same insurance company since I bought the house. The policy is always paid yearly. I checked with the insurance broker. They said they have not received a call from my lender or anyone else. My policy has never lapsed. 
The representative of shellpoint asked my insurance company name and number and I gave it to them. 

I need help please in fixing this mess as Shellpoint is not operating ethically. something is not correct, including my monthly payment balance. 
Please help me to resolve this.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WV

Complaint narrative:
I am submitting this complaint because I am being extremely affected by Capital One National Association. They are being completely unfair and I dont know how to get ahold on them but through this portal. 

I was a XXXX XXXX and XXXX XXXX and late payments happened during XXXX and I was working and also XXXX  XXXX. 

I would be very happy if the company accepted my request. This would help me a lot. I believe that we can continue to have fruitful relationships in the future, I am very happy with your services. 

Please see the document attached : -Medical ID My account information is : Account number 1 : XXXX Account type : Credit Card Date opened : XX/XX/XXXX Account status : Open Balance : {$0.00} Account number 2 : XXXX Date opened : XX/XX/XXXX Account type : Auto Loan Account status : Open Balance : {$9400.00} Regarding my credit card Capital, the card was paid off in full and Capital One added interest after account was paid off, and this cause the late payment. 

Solution : For my Credit Card delete the XXXX late payment XXXX from my account or delete the account from all credit bureaus. On my Auto Loan I am requesting delete the XXXX late payment XXXX or delete de account and waive the balance. 

Thannk you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-28 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: CA

Complaint narrative:
The first date of nonpayment on this account was in XX/XX/XXXX. As of writing this it is XX/XX/XXXX. The original creditor was XXXX. The account was then sold to XXXX XXXX  who was the second creditor. XXXX XXXX then sold the account to XXXX XXXXXXXX XXXX  who is now the third creditor. The account is a collection and is now in the hands of a third creditor who is strictly a debt collector. The account is reported as " Open '' which is inaccurate and should be updated to " closed '' or removed immediately. There is no credit being extended by XXXX XXXXXXXX XXXX nor was any extended by XXXX XXXX. There is no active loan and no payments are being made and there has been no settlement made. At this time the account is inactive and should be listed as " closed '' yet there is a collection for {$1200.00} on my credit report listed as an " open '' account. 

I contacted XXXX XXXX, and equifax regarding this matter and asked them to change the account to " closed ''. They have stated that they are in FCRA compliance. I do not believe this to be compliant. The account is certainly inactive and closed. 

Is this FCRA compliant? If so why is the account not closed and when is an account in collections considered closed? If this is not FCRA compliant can you please compel XXXX XXXX and equifax to remove this account or update it to " closed ''. 

Additionally the original creditor is listed as " XXXX XXXX ''. They are not the original creditor. The original creditor is " XXXX  ''. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 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: CA

Complaint narrative:
The first date of nonpayment on this account was in XX/XX/XXXX. As of writing this it is XX/XX/XXXX. The original creditor was XXXX. The account was then sold to XXXX XXXX  who was the second creditor. XXXX XXXX then sold the account to XXXX XXXX XXXX who is now the third creditor. The account is a collection and is now in the hands of a third creditor who is strictly a debt collector. The account is reported as " Open '' which is inaccurate and should be updated to " closed '' or removed immediately. There is no credit being extended by XXXX XXXXXXXX XXXX nor was any extended by XXXX XXXX There is no active loan and no payments are being made and there has been no settlement made. At this time the account is inactive and should be listed as " closed '' yet there is a collection for {$1200.00} on my credit report listed as an " open '' account. 

I contacted XXXX experian, and XXXX regarding this matter and asked them to change the account to " closed ''. They have stated that they are in FCRA compliance. I do not believe this to be compliant. The account is certainly inactive and closed. 

Is this FCRA compliant? If so why is the account not closed and when is an account in collections considered closed? If this is not FCRA compliant can you please compel XXXX experian, and XXXX to remove this account or update it to " closed ''. 

Additionally the original creditor is listed as " XXXX XXXX  ''. They are not the original creditor. The original creditor is " XXXX ''. 

Thank you

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 2021-09-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc
State: MD

Complaint narrative:
On XX/XX/2021, I received a debit card ( XXXX  ) from Chime in the mail. It has my name written on the back of the card and was sent to my name and address, but I did not open account and have never opened an account with Chime. Accordingly, on the same day, I called the customer service number listed on the card ( after verifying the phone number online ). I was directed twice by customer service ( once via automated service and another time by a live agent ) to email the company to 1 ) let them know about the incident ; 2 ) ask that the account be closed ( or at least locked until the matter is resolved ) ; and 3 ) a fraud investigation be opened. I did so, and received a response both times to email Chime from the email address associated with the account or send a copy of my driver 's license AND SSN ( last 4 digits ) via email for further resolution. I do not have an email address associated with the account because I did not open it, and I do not believe it is safe to send more personal information ( DL and SSN ) when I am calling about fraud/identity theft in the first place. After a third call, I was told I would be contacted about the matter within 24 hours for further resolution. I have yet to hear from them and have no confidence that the account will be closed and a fraud investigation opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Federal Credit Control, Inc.
State: OH

Complaint narrative:
On XX/XX/2021 a validation of debt letter was sent to First Federal Credit Control XXXX. I asked to send any and all information they had that would prove i owed a debt with them. Which would show the date each debt was established, a breakdown of all fees and some type of agreement between us saying that i owe each debt and i agreed to pay. They sent out a few pages with a company name of hospital but no real validation. They failed to show any documentation with a breakdown of the alleged debt that is owed. What i mean by breakdown can be example : Physical on inserted date amount owed {$50.00}. I do not Validate their " proof '' of validation and since i am the consumer i am the only one who can say if the debt is valid I'm saying this debt is NOT valid. In the amount of {$300.00}, {$110.00}, {$210.00}, {$99.00}, {$77.00}, {$100.00}, {$100.00}, {$160.00}, {$160.00}, {$110.00}, {$200.00}, {$140.00}, {$69.00}, {$96.00}, {$72.00}, and {$210.00}. I am unable to upload documentation but upon request i can email or fax my letter of validation and their response of proof.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Berlin-Wheeler, Inc. (Kansas)
State: CA

Complaint narrative:
This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company was trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. I didn't authorize this company to have my information nor, did I authorize this account. This account was placed on my credit from a fraudulent account that I didn't authorize and I demand that it's removed.

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 2021-09-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have been trying to contact Transunion since XX/XX/2021 about a few inaccurate accounts reflecting on my report. They have been ignoring my request to verify and delete the inaccurate information they are reporting causes me great distress. I have not received any correspondence about my concerns.

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 2021-09-28 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 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: GA

Complaint narrative:
XXXX, TransUnion and XXXX are reporting some fraudulent accounts on my credit report.. here are the list of fraudulent accounts : DEPT OF EDUCATION/ XXXX : {$4500.00}, {$3500.00}, {$2700.00}, {$2100.00} {$2000.00}, {$1800.00}, {$1000.00}

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 2021-09-28 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: GA

Complaint narrative:
XXXX, XXXX and Equifax are reporting some fraudulent accounts on my credit report.. here are the list of fraudulent accounts : DEPT OF EDUCATION/ XXXX : {$4500.00}, {$3500.00}, {$2700.00}, {$2100.00} {$2000.00}, {$1800.00}, {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 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: EQUIFAX, INC.
State: CO

Complaint narrative:
your agency reported this derogatory account without following the federally mandated procedures, your agency has bypassed your mandated allotted timeframe to respond and failed to validate the debt, as well as the several other violations mentioned above. Reportthatthedebtisdisputed and remove this account from my credit files. I will file civil lawsuit against any and all companies and/or agencies that assist XXXX in continuing to violate my Consumer Bill of Rights, Fair Debt Collection Practices Act and the Fair Credit Reporting Act that cause undue, unjust and derogatory effects to my credit. I will bring acivil lawsuitagainst XXXX XXXX statecourt. I will prove XXXX XXXX violatedtheFDCPA. I will collect {$1000.00} in statutory damages, and more since you have negatively affected my credit score after I have been diligent in maintaining a high credit rating and have suffered harm from your violations. This account has been removed 4 times and has bypassed the allotted timeframes. They never validated this debt and can not come back 5 collection agencies later and multiple collection agencies at the same time and still attempt to collect an an incorrect amount with an incorrect account number with incorrect information with invalidated information. This is ridiculous to do this every year. Mind you all these letters are certified and proof that your agency removed this account MULTIPLE times in 5 years And keep adding it back

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I received a vehicle loan with Bank of America for a used vehicle in XX/XX/XXXX. This loan was paid off in full XX/XX/XXXX. I wait a couple of weeks for the title. I do not receive and I call. They tell me that they sent it. I ask for the address and they sent it to a completely made up address despite having my address on file and that they can not send me a new title. I tell them to send me a new title ASAP as I need it. On XX/XX/XXXX, instead of sending the title they send lien release notice. I then tell them this state does not accept anything but the title. They have me submit a request for title which is done by XX/XX/XXXX and I receive an automated response that this takes 12 or so days. It is now XX/XX/XXXX and I still have yet to receive my title.

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 2021-09-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ADIR INTERNATIONAL LLC
State: CA

Complaint narrative:
On XX/XX/2021 @ XXXX XXXX  ( PST ) I the natural person/consumer spoke with a customer service representative who identified herself as an employee representing the entity operating as a debt collector that goes by the name " XXXX XXXX XXXX dba XXXX '' I demanded on this date that this company cease all communication in regards to this alleged debt UNTIL the company was able to provide me with legal notarized validation of this alleged debt. The representative agreed and the call was ended. Please note that these calls are " monitored and recorded. '' I have attached a screenshot of my call log from my XXXX from the date XX/XX/2021 that shows one of this companies MANY phone numbers they use to harass me, along with a screenshot of the excessive amount of harrassing and offensive voicemails left by " XXXX '' and lastly I have attached a screenshot of the email that was sent to me today XX/XX/2021 @ XXXX ( PST ) exactly two days after I declared a cease in communication in regards to this alleged debt. Please note that at the bottom of this email screenshot the company has written " This is an attempt to collect a debt by the original creditor, and any information obtained could be used for that purpose '' which is a clear violation of federal laws under USC title 15 chapter 41, subchapter 5 " Fair Debt Collections Practices Act. '' The purpose of this act is found under 1692. Congressional findings and declaration of purpose ( a ), ( d ), ( e ) Below I have referenced 24 federal violations brought forth onto me who is in fact, the Natural person/ consumer and the original creditor.

1692b. Acquisition of location information ( 1 ), ( 2 ), ( 3 ), ( 4 ), ( 5 ) 1692c. Communication in connection with debt collection ( a ), ( 1 ), ( 3 ) 1692d. Harassment or abuse ( 2 ), ( 5 ), ( 6 ) 1692e. False or misleading representation ( 8 ), ( 10 ) 1692f. Unfair practices ( 1 ) 1692g. Validation of debts ( a ), ( 1 ), ( 2 ), ( 3 ), ( 4 ), ( 5 ), ( b ), ( c ) 1692h. Multiple debts ( any payments made to this alleged debt, I am demanding to be returned back to me the natural person, consumer who is the original creditor ) 1692j. Furnishing certain deceptive forms ( a ), ( b )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation