vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Waypoint Resource Group, LLC
State: TX

Complaint narrative:
After viewing a copy of my credit report, I noticed a collection account placed on my credit report from WAYPOINT RESOURCE GROUP in the amount of {$420.00}. First and foremost, I have confirmed that the debt collector, WAYPOINT RESOURCE GROUP is not licensed in the state of Texas to collect on this debt. Secondly, WAYPOINT RESOURCE GROU Pviolated FDCPA rules and regulations when they failed to send me a written debt validation notice including the amount of the debt, name of the creditor, and notice of the consumers right to dispute the debt within 30 days ( see 15 U.S.C. 1692g ( a ) ). Third, what obligation do I have at all to WAYPOINT RESOURCE GROUP? I have never heard of them, have no written contract with them and have never received any benefits from them, WAYPOINT RESOURCE GROUP has submitted negative information to all three credit reporting agencies ( XXXX, XXXX and XXXX  ) against my name and social security number and is demanding payment from me in the amount of {$420.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 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: TX

Complaint narrative:
I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report. XXXX  XXXX {$11000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 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:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name CHAPTERXXXX BANKRUPTCY DISCHARGED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY 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 2020-07-10 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:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name CHAPTERXXXX BANKRUPTCY DISCHARGED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY 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 2020-07-10 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: VA

Complaint narrative:
During the investigation into Dispute Confirmation # XXXX, Equifax refused to accept my official documents showing my first delinquency that showed an account was outdated due to the negative information reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
XXXX XXXX I filed a dispute with Experian in regards to a debt with The loan servicer, XXXX. In my dispute I argued I've never taken a loan out with XXXX, I don't know them and never signed a contract with them for a student loan. 

To this day, the debt still remains on my credit report as deferred because XXXX supposedly reported certified information to Experian as accurate. Therefore the information was not changed. I'm not sure what certified information they could have used to show the information reported as accurate however I have yet to see any such information. It is clearly false information since I have never heard of, seen or signed any legal documents with XXXX. 

The loan amount balances : 1. {$54000.00} 2. {$4000.00} 3. {$2200.00} 4. {$4400.00} 5. . XXXX XXXX. {$670.00} I have no idea why these loans exist on my credit report, however I would like to resolve this issue as quickly as possible. This is a case of stolen identity.

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 2020-07-10 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: OH

Complaint narrative:
I want to link my bank account with XXXX XXXX  to buy stock. However, following the app, PNC has made a change that prevents me from being able to link my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
This is an extension ( additional information ) of a previous complaint filed with you : Compliant ID # XXXX Please note information from previous complaint - I had mistakenly paid {$15000.00} ( paying off the loan to a XXXX balance ) when i intended to only pay {$10000.00} I requested they refund the {$5000.00}. the following business day after making the payment ( XX/XX/XXXX ) i've spent hours and hours on the phone with them. -- -- Currently on XX/XX/XXXX Capital One Auto Finance did indeed finally re-instate the loan and say they are sending me a refund in the amount of {$5000.00}. However, instead of the loan indicating I now owe {$5000.00}. they re-instated the loan for the entire amount that i had paid and it now says i owe {$15000.00} ( with a 'missed payment ' indicated a fee for a missed payment and states i owe a double payment of {$560.00} today ( XX/XX/XXXX ) it also appears they charged me {$46.00} interest, both going and coming with the money. 
I'm very concerned. They were paid {$15000.00} - they are refunding me {$5000.00}. but are indicating that i owe {$15000.00}!! 
I still don't have the {$5000.00}. they say they refunded me on XX/XX/XXXX, but they either need to refund the entire amount ( NO late fees - NO additional charges ) and pick back up with the loan - OR refund the {$5000.00}. as requested and indicate the proper balance due of {$5000.00}. ( NOT {$15000.00} ) or ... IDK but this couldn't have been messed up any worse if they'd actually been TRYING to mess it up. 
I also need to make SURE they are not going to report me as having missed a payment. I did not miss a payment! Good Grief. This is incredibly ridiculous.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-10 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: DE

Complaint narrative:
All information XXXX  ( a subsidiary of XXXX XXXX XXXX, also called XXXX )  is reporting to the credit bureaus is inaccurate for the following reasons. (  Each number below is an inaccurate statement given to one or more of the 3 credit reporting agencies. ) 1. DATE OPENED : XX/XX/XXXX - I did not open an account with them on XX/XX/XXXX as I had no relationship with XXXX ( a subsidiary of XXXX XXXX XXXX, also called XXXX ) prior to XX/XX/XXXX. XXXX XXXX purchased my mortgage from XXXX in XXXX upon XXXX filing for bankruptcy. 
2. DELINQUENCY FIRST REPORTED : XX/XX/XXXX - I could not have been delinquent with XXXX XXXX on XX/XX/XXXX as I had never heard of them or had any obligation to them prior to XX/XX/XXXX. I did, however, make my XX/XX/XXXX mortgage payment in full to my lender at that time, XXXX XXXX. ( XXXX later merged with XXXX. ) ( I have provided proof of payment to all three credit reporting agencies. ) 3. ACCOUNT STATUS : Included in Bankruptcy This account was not even opened during the bankruptcy proceedings in XXXX. Additionally, the bankruptcy documents show that I intended to continue paying my mortgage to the lender at the time, XXXX, which I did. I have never missed a mortgage payment. Not once in the 18 years I have lived in my home. 
4. ACCOUNT CLOSED This account was opened XX/XX/XXXX when I made my first payment to them and I have continued to make my payments on time every month so its actually not closed at all. They simply choose not to report my payments and erroneously state the account is closed as a punitive measure because of the bankruptcy proceedings which did not include them and had no impact on them. 
5. MONTHLY PAYMENT - {$0.00} My monthly payment with XXXX XXXX is currently {$1600.00} which included taxes and escrow. 
6. NO PAYMENT HISTORY This account is open and active since XX/XX/XXXX. I have made every payment on time. 
7. DATE CLOSED : XX/XX/XXXX I did not even begin paying XXXX until XX/XX/XXXX ( so it couldnt be closed in XXXX ) when they purchased my mortgage from XXXX and I have continued to make my payments on time every month so its actually not closed at all.

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 2020-07-10 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: DE

Complaint narrative:
All information XXXX ( a subsidiary of XXXX XXXX XXXX, also called XXXX ) is reporting to the credit bureaus is inaccurate for the following reasons. ( Each number below is an inaccurate statement given to one or more of the 3 credit reporting agencies. ) 1. DATE OPENED : XX/XX/XXXX - I did not open an account with them on XX/XX/XXXX as I had no relationship with XXXX  ( a subsidiary of XXXX XXXX XXXX, also called XXXX ) prior to XX/XX/XXXX. XXXX XXXX purchased my mortgage from XXXX in XXXX upon XXXX filing for bankruptcy. 
2. DELINQUENCY FIRST REPORTED : XX/XX/XXXX - I could not have been delinquent with XXXX XXXX on XX/XX/XXXX as I had never heard of them or had any obligation to them prior to XX/XX/XXXX. I did, however, make my XX/XX/XXXX mortgage payment in full to my lender at that time, XXXX XXXX. ( XXXX later merged with XXXX. ) ( I have provided proof of payment to all three credit reporting agencies. ) 3. ACCOUNT STATUS : Included in Bankruptcy This account was not even opened during the bankruptcy proceedings in XXXX. Additionally, the bankruptcy documents show that I intended to continue paying my mortgage to the lender at the time, XXXX, which I did. I have never missed a mortgage payment. Not once in the 18 years I have lived in my home. 
4. ACCOUNT CLOSED This account was opened XX/XX/XXXX when I made my first payment to them and I have continued to make my payments on time every month so its actually not closed at all. They simply choose not to report my payments and erroneously state the account is closed as a punitive measure because of the bankruptcy proceedings which did not include them and had no impact on them. 
5. MONTHLY PAYMENT - {$0.00} My monthly payment with XXXX XXXX is currently {$1600.00} which included taxes and escrow. 
6. NO PAYMENT HISTORY This account is open and active since XX/XX/XXXX. I have made every payment on time. 
7. DATE CLOSED : XX/XX/XXXX I did not even begin paying XXXX until XX/XX/XXXX ( so it couldnt be closed in XXXX ) when they purchased my mortgage from XXXX and I have continued to make my payments on time every month so its actually not closed at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 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: DE

Complaint narrative:
All information XXXX  ( a subsidiary of XXXX XXXX XXXX, also called XXXX ) is reporting to the credit bureaus is inaccurate for the following reasons. ( Each number below is an inaccurate statement given to one or more of the 3 credit reporting agencies. ) 1. DATE OPENED : XX/XX/XXXX - I did not open an account with them on XX/XX/XXXX as I had no relationship with XXXX  ( a subsidiary of XXXX XXXX XXXX, also called XXXX ) prior to XX/XX/XXXX. XXXX XXXX purchased my mortgage from XXXX in XXXX upon XXXX filing for bankruptcy. 
2. DELINQUENCY FIRST REPORTED : XX/XX/XXXX - I could not have been delinquent with XXXX XXXX on XX/XX/XXXX as I had never heard of them or had any obligation to them prior to XX/XX/XXXX. I did, however, make my XX/XX/XXXX mortgage payment in full to my lender at that time, XXXX XXXX. ( XXXX later merged with XXXX. ) ( I have provided proof of payment to all three credit reporting agencies. ) 3. ACCOUNT STATUS : Included in Bankruptcy This account was not even opened during the bankruptcy proceedings in XXXX. Additionally, the bankruptcy documents show that I intended to continue paying my mortgage to the lender at the time, XXXX, which I did. I have never missed a mortgage payment. Not once in the 18 years I have lived in my home. 
4. ACCOUNT CLOSED This account was opened XX/XX/XXXX when I made my first payment to them and I have continued to make my payments on time every month so its actually not closed at all. They simply choose not to report my payments and erroneously state the account is closed as a punitive measure because of the bankruptcy proceedings which did not include them and had no impact on them. 
5. MONTHLY PAYMENT - {$0.00} My monthly payment with XXXX XXXX is currently {$1600.00} which included taxes and escrow. 
6. NO PAYMENT HISTORY This account is open and active since XX/XX/XXXX. I have made every payment on time. 
7. DATE CLOSED : XX/XX/XXXX I did not even begin paying XXXX  until XX/XX/XXXX ( so it couldnt be closed in XXXX ) when they purchased my mortgage from XXXX and I have continued to make my payments on time every month so its actually not closed at all.

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 2020-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: FL

Complaint narrative:
There is a collection listed which is inaccurate I have this same company as my current service provider at my home. If I owed them money I would not be allowed to have service currently REMOVE THIS MISTAKE ASAP ENHANCED RECOVERY COMPAN Reported : XX/XX/2020 {$510.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have sent numerous letters to XXXX  regarding the inaccuracy being reported under my Wells Fargo account. What doesn't make sense is that IF the data furnisher is reporting this accurately for XXXX   and XXXX, why isn't is being reported accurately for XXXX. The payment status is WRONG. The status should be Current as it was not late when the account was closed. How is it that the same account was challenged and resulted in different outcomes IF the account was investigated by Wells Fargo?

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 2020-07-10 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: GA

Complaint narrative:
I was a victim of Identity Theft, I submitted an ID THEFT AFFIDAVIT and POLICE REPORT in regards to the fraudulent accounts that have been listed in my name ... per Section 605B, these accounts should BE blocked and or removed during the investigation process, yet all 3 bureaus continue to report these items furthering the damage already done to my financial future.

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 2020-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: MI

Complaint narrative:
My Pnc account is not connecting to my XXXX  credit application. This restricts me from submitting my application for a future purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Conn's, Inc.
State: NM

Complaint narrative:
I bought a table at Conns XX/XX/XXXX. In XX/XX/XXXX I purchased a washer and dryer. They canceled my first contract and made a new contract total was XXXX. A month later the washer broke down they would not fix it. I called waited a long time until I whent to the store and spoke to XXXX the store manager. He told me to pick up a new set, I did, he told me to not pay anything until the new washer and dryer were added to the contract and the non functioning washer and dryer were taken off. I did as I was told. They called said my payment wasnt due until XX/XX/XXXX that meant I wouldn't pay XXXX  or XXXX and be counted as current do to them canceling the old contract making the new one. I get on XXXX XXXX about a month and a half later and 80 points had been deducted. I was going to purchase a vehicle a week later!!! This was shocking showed on there Conns reported me late. I called about 100 times and I was given different answers every call and different reasons, spoke to many managers no one did anything. This really affected me. One agent told me that the old washer and dryer were never taken off, in other words I was paying for 2 washers and 2 dryers and the table and chairs. I've called this company so much its ridiculous. Every single person gives me different answers!!! I've kept paying even after they scammed me, to raise my credit because I was given no solution. I'm trying to buy a home this year for me and my children and Conns is making it a night mate! I called XXXX of XXXX and they said my balance was almost 7,000!!! I'm was speechless how is this possible. The washer and dryer that were replaced costed almost 1,500 dollars less than the original? At that time my payoff was XXXX??? How am I owing XXXX more if I received cheaper sets. Were has my money gone since XXXX that I bought the table in 2 years that's a huge amount. Those negative remarks I'm showing on my credit from XXXX have never been removed, they promised to fix them it's been more than a year and still showing. This company is a fraud and caused tragic moments of success for me. I've never been late I was always responsible and here I am stuck. I want answers, I refuse to pay them anything not even a penny until I get an answers. I have emails I sent to the manager about my credit also.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I've recently got divorced and in our divorce agreement my ex-husband was responsible for our credit card that he maxed out when he left. I have repeatedly told the Suntrust collection that he is responsible and gave them his number I can see on my credit where he has been paying it on time every month up till this XXXX and now the collection calls me 4-8 times a day after I have explain the situation gave them his number and have told them do not call me again over this matter.

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 2020-07-10 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 that should be on the report is missing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
There are several things which need to be corrected. First of all, I do not remember submitting for a Consumer Credit Report but I have one that was mailed to me and one that the employer gave me before I was terminated from work. The other problem is I want a copy of a CRA that was signed by me for any job I have applied for or have had in the past. The other issues are the data that was provided is not correct and lacks information which should have been there but wasn't. There is only one issue on the CRA 's that I have but it is incorrect. If the CRA is going to put down an issue it should have given the employers sought a correct copy of the report with the correct issues. If these issues aren't taken care of as soon as possible I will commence a lawsuit against this CRA and another whom I have evidence regarding the employment issues which have led to my not receving any offers of employment. These employers are XXXX XXXX, XXXX, XXXX XXXX XXXX, and. XXXX XXXX  XXXX just to name a few. There are many employers which I know of but can't access their reports of why I can't get hired.

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