vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Trident Asset Management, L.L.C.
State: CA

Complaint narrative:
Dated XX/XX/XXXX with this account number - XXXX and this collection date of XX/XX/XXXX. The debt is a Returned Check for the Amount of {$510.00}. It was placed on my credit report by TRIDENT ASSET MANAGEMEnt for the Original creditor of XXXX XXXX. The Contact information listed is XXXX XXXX  XXXX XXXX, XXXX, GA XXXX, ( XXXX ) XXXX. Disputed at least 4 times with no help from the credit agencies. I want this false information taken off my credit report. Here is my story : I did not bank with XXXX XXXX in XXXX. In fact my account with them was closed in XXXX. 
I have disputed this at least 4 times and I've asked them to send me a copy of this check. I've gotten no reply from the company and 've gotten no help from the credit companies, ie, XXXX XXXX and XXXX. I want this false information taken off my credit report. 

I'd also like to know why the credit agencies make the consumer prove the information showing on their report is wrong. Why isn't the company placing the negative information on a consumer 's credit report responsible for showing the accuracy of the complaint? An example is the complaint I am submitting. I've asked them at least 4 times to remove this information and have told them the company refuses to send me information so that I can verify this debt. If the company putting an outstanding debt on someone's credit report can't submit proof of the debt why are they allowed to put it on there? Why are they not required to show proof of the debt before being able to put it on a person 's credit as a bad debt? Especially since a credit report can make or break a person 's life? Why is it that the consumer is always considered wrong in this process? Companies aren't exempt from making errors. If people are denied employment because of the information placed on their credit reports, why isn't that company required to prove that debt before the credit agencies just blindly put it on there. I think we are working with antiquated processes in the 21st century. Maybe this whole credit reporting should be looked at and updated to the way we live now days. If the consumer is disputing something and the company that put it there can't prove it, it should automatically taken off. Please advise.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
We were on the unlimited package and never had any extra charges, but XXXX XXXX claims, that we accumulated over {$1200.00} worth of internet use for 3 days. How is this possible?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
On or around XX/XX/XXXX I called into Quicken loans ( XXXX ) to inquire about potentially refinancing my VA mortgage. At the time, the agent who assisted was asking for details around my finances, home value and taxes. The agent also inquired about my credit situation at the time. As she was collecting my information she expressed that she needed more information, so I provided it. The information involved personal demographics and my social security number. At no time did the agent apprise me of a credit bureau inquiry and I did not think she would pull a hard inquiry. But she did. And since then it has had an undesired effect on my credit worthiness. 

Any time I have refinanced my VA mortgage, I have not had to endure a hard inquiry but have always needed to provide my social security number. 

On XX/XX/XXXX, I called Quicken Loans ( XXXX ) to request having the inquiry removed. I was followed up with on XX/XX/XXXX by XXXX XXXX, and advised that providing my social security and other information was implied consent, and the company had every right to do the inquiry - at that time. He also informed me that ( at that time ) this was an acceptable practice at the company but their policy has since changed as of XXXX of XXXX. As of then, he informed me, they must have express consent prior to pulling credit. I asked XXXX to pull the call to validate the non-authorized inquiry. However, he explained to me that there are only six months of call recordings available before they are deleted. 

I would like to have this complaint on record and request that this be further investigated since Mr. XXXX admitted to me that this has been a historical issue within his employer and its business practices and on the basis that these records are disposed of before a reasonable time frame. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 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: TX

Complaint narrative:
I went to XXXX XXXX XXXX to shop for a ATV. As I was getting ready to pick the one I wanted I sat with my sells men. He told me I had to get my credit pulled to see if I was able to finance the ATV. We took a look at my credit report and none of the items listed on my report are mine. Please remove the items listed previous from my report and the ones listed below.

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 2020-04-22 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: TX

Complaint narrative:
I went to XXXX XXXX XXXX to shop for a ATV. As I was getting ready to pick the one I wanted I sat with my sells men. He told me I had to get my credit pulled to see if I was able to finance the ATV. We took a look at my credit report and none of the items listed on my report are mine. Please remove the items listed previous from my report and the ones listed below.

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 2020-04-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: FIRST NATIONAL BANK OF OMAHA
State: IN

Complaint narrative:
I received a letter from from First Bankcard C/O First National Bank of Omaha stating that they had decreased the credit limit on my account DURING the National COVID-19 Pandemic. The change was made prior to any communication or notice period to me. The change has negatively impacted my credit score which in turn could potentially create undue financial hardship. As a consumer, I am appalled that while other financial organizations are trying to help consumers - First Bankcard is harming its consumers. 

The letter stated that they pulled my credit report. They did not have permission to do so. The account has been paid as agreed since it was opened. Never one late payment. The account has been paid off 2-3 times during the same timeframe. All payments have been above the minimum payment. 

I believe they limited my credit line because I was not utilizing the credit. Now - because they decreased the credit line to the exact, current balance - it shows as if I am maxed out on the account when it fact, they manufactured this result.

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 2020-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
Decided to make a big move in buy my first home. I knew I wanted to go into a first time home owners program, due to them being able to help you financially. As I was sitting with my mentor she said my credit needed to be pulled. I knew I had good credit so I was not worried about that being the first step. Out of surprise a big list of accounts I have never seen or heard in my life showed up. Those fraudulent accounts do not belong to me. Please remove these things from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Io, Inc.
State: VA

Complaint narrative:
The company reported to the credit bureau that I still owe on a debt in which I submitted payment for. 

Through CFPB an agreement was reached that XXXX would satisfy full payment of a debt owed. I submitted the XXXX to the company, however, the company reported to credit bureau that I now owe {$61.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: SC

Complaint narrative:
My mortgage payment increased XXXX dollars as of XX/XX/2020 and despite speaking with several customer service representative, no one can explain why. 
I spoke with XXXX, XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 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: Selene Holdings LLC
State: FL

Complaint narrative:
I closed on my house on the XXXX XXXX and had a settlement statement shown paid to Selene Finance. After numerous attempts to have them report this to my credit they have not. 

Throughout the loan which the purchased from XXXX they added amounts even up to to {$190.00} late to payment on the final amount. 

They are draconian and should be reprimanded. 

They have invalid late payments on my record also. 

Please have them report paid and closed and remove bad invalid reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I called this company today ( XX/XX/20 ) because they have been calling me non stop at all hours of the day and week. They've called past XXXX XXXX  and they've called me as early as XXXX XXXX on a Sunday. When I called them today to find out why they were calling they were claiming I owed money on an account that I show as being paid off for years. I asked for the address to send a cease and desist letter and she refused to give me the information. She just kept telling me about the money I owed. I advised her I wanted proof and again she refused to tell me and eventually she hung up on me because we were both raising our voices and she again was refusing me the information to prove tminactuaoly owe this debt. Company is called Portfolio Revovery Associates in VA. Not to mention they are calling me this many times on a debt during a supposed state mandate in MA that says they shouldn't be doing this. She also mentioned this was going to court and legal action. After she hung up I did call back and finally got their address and fax to send the cease and desist, but even then this other guy had to ask permission to give out that information. They are located in XXXX VA. If anything this creditor owes me money as they continue to take money out of my account each month for a card thats paid off. I'm elderly and I feel that they are taking advantage of that fact. Shameful that they are doing this during a medical crisis as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-22 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
My vehicle was hit in 2016 and totaled, my insurance told me they would handle it all. I never received a call, email or letter in the mail of the difference of my balance not being paid by my insurance. The only way I knew I owed {$1000.00} is because I paid to view my credit report. I called Credit Acceptance today to see what I could do to resolve the balance of {$1000.00} that they submitted to my credit report and they told me I owed over {$1700.00} to them because they are still accruing interest at 19 % since 2016. I asked why my credit report doesn't reflect this difference and the rep couldn't give me an answer. I asked to be transfer to a supervisor but I was told he was on another phone call. I don't think what they are doing is fair or legal since they have sent the balance to collections already

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
For the last five years I've been trying to get Equifax to remove an extended fraud alert they placed on my file without my authorization. I've called them dozens of times spending countless hours on hold only to be told their systems are unavailable or to be disconnected by agents in foreign countries. I've sent six letters with the appropriate documentation requesting it to be removed and it just never gets done. The latest confirmation I was given on XX/XX/20 was XXXX and was told it would be removed within 4 hours. It's almost 5 days later and its still not removed. 

This problem and their failure to act has resulted in several hundred hours of lost time for me spent dealing with issues because companies can't verify my identity, inability to open accounts online, inability to manage my social security account online, being challenged about my identity every time I apply for credit, being denied credit as a result and more. 

It's ridiculous how a company can create this kind of havoc in your life without any penalty or accountability and as a consumer we have zero recourse. How did they get all the power and we end up with none. Powerless. It's frustrating and demoralizing. This after they compromised my personal data. They still haven't made changes to their business to rebuild trust with Americans. Same XXXX  service, failure to follow through, inaccurate information in credit reports that so many systems rely on.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 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 true Identity theft ) I am a victim of identity theft XXXX   confirmation # XXXX XXXX XXXX XXXX XXXX # XXXX {$180.00} LIMIT {$400.00} Opened:XX/XX/XXXX TransUnion file number XXXX XXXX XXXX XXXX XXXX # XXXX {$180.00} LIMIT {$400.00} Opened:XXXX XXXX  Report Number : XXXX XXXX XXXX XXXX XXXX # XXXX {$180.00} LIMIT {$400.00} Opened:XXXX My personal information was exposed in a data breach. i started receiving information not for me, i checked online & found out about the data breach i looked up my credit report i found inaccurate, false and fraudulent information that don't belong to me i contacted my local police made a report they also told me to make a report with FTC because of jurisdictions ive listed as many fraudulent accounts as i could thank you for your help THESE ADDRESSES DON'T BELONG TO ME XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX   XXXX, GA 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 2020-04-22 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:
Decided to make a big move in buy my first home. I knew I wanted to go into a first time home owners program, due to them being able to help you financially. As I was sitting with my mentor she said my credit needed to be pulled. I knew I had good credit so I was not worried about that being the first step. Out of surprise a big list of accounts I have never seen or heard in my life showed up. Those fraudulent accounts do not belong to me. Please remove these things from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 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:
Decided to make a big move in buy my first home. I knew I wanted to go into a first time home owners program, due to them being able to help you financially. As I was sitting with my mentor she said my credit needed to be pulled. I knew I had good credit so I was not worried about that being the first step. Out of surprise a big list of accounts I have never seen or heard in my life showed up. Those fraudulent accounts do not belong to me. Please remove these things from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 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: MD

Complaint narrative:
My son, who is in XXXX, used a Vending machine with his Capital One Credit card.He used it 4 times at this machine. 
XX/XX/XXXX : His purchase was XXXX and Capital One charged a cash advance fee of {$10.00} XX/XX/XXXX : His purchase was XXXX and Capital One charged a cash advance fee of {$10.00} XX/XX/XXXX : His purchase was XXXX and Capital One charged a cash advance fee of {$10.00} XX/XX/XXXX : His purchase was XXXX and Capital One charged a cash advance fee of {$10.00} He never entered a PIN. He never authorized the card to be used as a debit card but yet it was charged as a Debit transaction.He received no cash advance. But was billed {$40.00} for using the card. I requested a reversal of fees as he had no way of knowing of this was being charged as a debit transaction. 

Capital One states that they charge a minimum of 3 % or {$10.00} whichever is greater. This is an absurd charge. Capital One is getting the bulk of this fee. They are taking advantage of a consumer who had no idea of this excess charge. I recommended that they speak with the merchant and reverse the charges but they said no ( as they have no incentive to do that ). 

I spoke with XXXX ID # XXXX. I would appreciate your intervention into this matter and wish to have this matter settled with an official response in writing from someone in Capital One.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-22 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 downloaded XXXX XXXX yesterday for the first time and I noticed I had several accounts that didn't belong to me. So I decided to pull my report and noticed several accounts that are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 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: MA

Complaint narrative:
I called this company today ( XX/XX/20 ) because they have been calling me non stop at all hours of the day and week. They've called past XXXX XXXX  and they've called me as early as XXXX XXXX  on a Sunday. When I called them today to find out why they were calling they were claiming I owed money on an account that I show as being paid off for years. I asked for the address to send a cease and desist letter and she refused to give me the information. She just kept telling me about the money I owed. I advised her I wanted proof and again she refused to tell me and eventually she hung up on me because we were both raising our voices and she again was refusing me the information to prove XXXX  owe this debt. Company is called XXXX XXXX XXXX in VA. Not to mention they are calling me this many times on a debt during a supposed state mandate in MA that says they shouldn't be doing this. She also mentioned this was going to court and legal action. After she hung up I did call back and finally got their address and fax to send the cease and desist, but even then this other guy had to ask permission to give out that information. They are located in XXXX VA. If anything this creditor owes me money as they continue to take money out of my account each month for a card thats paid off. I'm elderly and I feel that they are taking advantage of that fact. Shameful that they are doing this during a medical crisis as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 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: FL

Complaint narrative:
I closed on my house on the XXXX XXXX and had a settlement statement shown paid to XXXX XXXX. After numerous attempts to have them report this to my credit they have not. 

Throughout the loan which the purchased from XXXX they added amounts even up to to {$190.00} late to payment on the final amount. 

They are draconian and should be reprimanded. 

They have invalid late payments on my record also. 

Please have them report paid and closed and remove bad invalid reports.

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