vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
I sent Portfolio Recovery Associates, ( PRA ) a letter a few months ago. In part, it reads ; I do not believe that I owe this debt or what you say I owe. I have never had any business dealings with your company or talked to anyone. 
Pursuant to the Fair Debt Collection Practices Act, Section 809 ( b ), Validating Debts : I respectfully request that you provide me with the following : 1. the amount of the debt ; 2. the name of the creditor to whom the debt is owed ; 3. verification or copy of any judgment ( if applicable ) ; 4. proof of full history of the account. 
I am asserting my rights under the federal and state Fair Debt Collection Practices Acts and the Fair Credit Reporting Act, including these rights Because I have disputed this debt in writing within 30 days of receipt of your initial notice, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense. 
Any attempt to collect this debt without validating it violates the FDCPA. 
Also be advised that I am keeping accurate records of all correspondence from you and your company, including recording all phone calls, and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the Better Business Bureau. 


PRA in turn sends a 1 page letter. No history of anthing for me to validate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CIT BANK, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
In 2008 I received a mortgage loan from XXXX loan in the amount of XXXX. My loan was then sold to IndyMac bank. The loan was 10 year interest only then principal would start and because I was young and dumb. My first home I didn't really think about it much. I just assumed I would transfer it into a regular 30 year loan in a year or two. Little did I know that was going to be virtually impossible. Despite my financial circumstances changing IndyMac later switched to OneWest bank refused to provide any type of mortgage assistance or modify my loan. I have a ton of paperwork showing I qualified but they would not fix the problem then when it was almost 10 years my loan miraculously transferred to another provider. Now after 12 years of payments most over XXXX a month. I still owe XXXX on this mortgage and it was recently transferred to XXXX XXXX management. I feel like a XXXX just keeping getting XXXX by these lenders over and over again. And now due to Covid 19 I'm not working and only drawing unemployment. Please provide some type of guidance or assistance on who or where I can turn to for help. I think it's a major sin that this has occurred to me and continues to keep happening. I know I've been a victim of predatory lending. My primary issue are with Indymac Bank and OneWest bank for the horrible practices they put on me and my sick older mom.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Per Section 609 ( a ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ), you are required by federal law to verify any and all accounts posted on my credit report, and only report accurate information. I request all verifiable proof you have on file for the collection account listed on the following account. This delinquent account record is inaccurate and is not my account, I am a victim of identity theft. I request that the following account be promptly removed. My identity theft of my personal information is still ongoing and any credit that was issued out with out my consent must be removed. 

XXXX XXXX XXXX : {$910.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 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:
SOMEONE STOLE MY IDENTITY ABOUT A YEAR AGO AND OPENED UP CREDIT IN MY NAME. IT APPEARS THAT TWO OF THE ACCOUNTS WERE SOLD TO A COLLECTION AGENCY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 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: CA

Complaint narrative:
SOMEONE STOLE MY IDENTITY ABOUT A YEAR AGO AND OPENED UP CREDIT IN MY NAME. IT APPEARS THAT TWO OF THE ACCOUNTS WERE SOLD TO A COLLECTION AGENCY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 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: CO

Complaint narrative:
Transunion should not be reporting that I am ( 30 ) days late on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report along with a copy of my Drivers License and Utility Bill for identification purposes to investigate this complaint.  ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a zero dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
I refinanced my property in XXXX XXXX Texas on XX/XX/2020. The current Lienholder was paid in full and as of today has yet to file a release of lien with XXXX XXXX Texas or send me a copy of the release so I can file it myself. I have made over 20 phone calls about this and have had zero resolution. My loan number is XXXX and the NMLS for LoanCare is XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HOVG, LLC
State: CA

Complaint narrative:
My mother suffered a XXXX XXXX on XX/XX/XXXX which required an ambulance ride provided by a company named XXXX. The cost to her was {$200.00}. I received the bill on XXXX and paid the bill via check on XXXX ( I am the executor of the estate - she died on XX/XX/XXXX ). I received a debt collection letter from Bay Area Credit Services. I tried to contact them several times. Their phones are never answered. I contact XXXX and told them I had paid the bill. They made note. I then emailed Bay Area Credit Services and have not yet received a response. I sent the email via the information on their website : For Dispute email us at XXXX 

I sent the initial email on XX/XX/2020 : -- -- -Original Message -- -- - From : XXXX XXXX XXXX To : XXXX XXXX Cc : XXXX XXXX Sent : Wed, XX/XX/2020 XXXXXXXX XXXX Subject : BACS Account # XXXX /creditor Account : XXXX I have made several attempts to contact your company during your regular business hours. The message on the phone number provided by the notice sent to me states the offices are closed. 

This is in regards to a XXXX dollar payment owed to XXXX XXXX XXXX by the Estate of XXXX XXXX. You have incorrectly named it : Estate of XXXX XXXXXXXX. Please correct your records. 

I called and spoke to XXXX this morning. I spoke to XXXX. I informed her that payment was mailed to their company on XX/XX/2020. She stated she would make note of that information. The check was from my account and the check number is XXXX. 

Please indicate on your records that this bill has been paid. Please respond to me within 24 hours. 


NO ONE IS CONTACTING ME WITH ANY INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Does the Experian staff actually read the letters I send, or do they just blindly crank-out response-letters that have absolutely nothing to do with the items in dispute? 

Does the staff have the required training & knowledge to understand and comply with both FCRA 611 ( 5 ) ( A ) ( i ) and FCRA 611 ( 6 ) ( B ) ( iii )? 

Or, are they just overloaded, underpaid and really don't give a rip?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 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: PA

Complaint narrative:
I am a consumer in pursuant to 15 USC 1692 A3 Experian, XXXX and XXXX is in violation of 15 USC 805 Communication in connection with debt collection ( a ) Communication with the consumer  generally without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction a debt collector may not communicate with a consumer nor any 3rd party in connection with collection of any debt I never received notice from Experian, XXXX, nor XXXX nor consent to furnish my data I did not receive a notice from them giving me 30days to  dispute any debt in pursuant to 15 USC 1692e 807 A debt collector may not use any false deceptive or misleading representation or means in connection with the collection of any debt the following conduct is a violation of credit bureaus reporting without my consent created an profile in my name reported my name address and address with a false amount and no contract. They stole my identity this is a { {$1000.00} } violation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I paid XXXX XXXX {$95.00} to redo my dating profile. I sent her the money through PayPal. XXXX accepted the money through the family and friends option. She did this to avoid paying the fees to PayPal which is a violation of HIPPA Law and of PayPals terms of use. I am requesting that PayPal refund me my money because she did not provide a service instead she has kept my money. I also hope you would take action against this person because she can keep doing this to other people. I have contacted her several times this year and she continues to not do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 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:
Equifax and XXXX should not be reporting me as an authorized user on the XXXX  XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 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: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me. I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, ( the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the Fair Credit Reporting Act. 
Respondent, please have the following inquiries removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I have being making payment on my Capital One credit card for almost a year and none of this is being report on my credit report.My balance has come down. Im trying to fix my credit that is why I started an agreement with the agency to started monthly payment do I could get a fix on my credit but they are not holding up tethered end.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: NC

Complaint narrative:
Today, a collection agency named IC System just reported a {$550.00} collection account on my credit report. According to the Fair Debt Collection Practices Act, they are supposed to notify me of a possible debt, and give me 30 days to answer to it, before they report it on my credit report. I was not given that opportunity, otherwise I would have certainly contested it, because I have no outstanding debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 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: CA

Complaint narrative:
XXXX  and Transunion should not be reporting me as an authorized user on the XXXX  XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 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:
Equifax and XXXX  should not be reporting me as an authorized user on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/2020, days after my XXXX birthday, BBVA-USA abruptly and without legitimate reason cancelled my VISA credit card -- a card which I had subscribed to for 17 years. In this time period, I have never once tendered a late payment, the minimum amount required to pay, nor excised the card 's credit limits. On two occasions, BBVA, without my request or agreement, raised the card 's limits to {$8500.00} and subsequently to {$11000.00}. Late last year, BBVA reduced the limits back to {$8500.00} and shortly thereafter, a cancellation of my credit card. I am submitting this complaint to CFBP requesting an investigation into BBVA 's violation of my rights as a consumer alleging that they have determined that I am a credit risk, and a pandemic risk, all as a result of my age. I am attaching hereto my demand letter for the the production of information, documents or any other methods used to make the determination that after 17 years with an impeccable payment history, they chose to remove me from their business. BBVA,  illegally and without my consent, converted my balance into a " loan payable '' at 10 % interest upon the closure of my credit card. I'm also submitting the form letter sent to me identifying their reasons for the cancellation. BBVA, unequivocally, has violated my rights under the Federal Equal Credit Opportunity Act ( FECOA ) that, inter alia, prohibits discrimination based on age.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 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: CA

Complaint narrative:
XXXX  and Transunion should not be reporting me as an authorized user on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC.
State: FL

Complaint narrative:
Im filing a complaint against AFNI on a old XXXX  account. A representative from AFNI told me if I paid XXXX $ and settled a debt that they would delete this account from my report. That call was monitored and recorded and I would like a investigation to be done and for this creditor to stop tell consumers fans statements. This is horrible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
DOES ANYONE AT EXPERIAN KNOW HOW TO READ?????????????????????????? OR DO JUST LIKE TO IGNORE THE TRUTH AND LIE??????????????????????????? I DID NOT SAY THE INQUIRES WERE UNAUTHORIZED, THE INQUIRES ARE ON MY REPORT FOR MORE THAN 2 YEARS. SEE THE ATTACHED COPY OF MY REPORT. As of today, XXXX, Experian has failed to delete four inquiries from my credit report. All four credit inquiries are scheduled to be deleted at the dates specified by law. Experian is in violation of the FCRA. This is an ongoing and recurring problem with Experian. ( 1 ) - .XXXX XXXX XXXX - Bank Credit Cards XXXX Inquiry date : XX/XX/XXXX - Removal date : XX/XX/XXXX ( 2 ) XXXX XXXX XXXX Auto Financing Companies - Inquiry date : XX/XX/XXXX - Removal date : XX/XX/XXXX ( 3 ) XXXX XXXX - Credit Unions - Inquiry date : XX/XX/XXXX - Removal date : XX/XX/XXXX ( 4 ) XXXX XXXX - Bank Credit Cards Inquiry date : XX/XX/XXXX - Removal date : XX/XX/XXXX. Experian is in violation of the law. This is an ongoing and known problem with Experian,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 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:
How are you doing? Can you please help me? During this Covid-19 I been reviewing my credit report. This account is being reported inaccurately and incorrectly on my credit report. I see multiple 30 days late marks and one ( 1 ) 60 days late remark which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation