vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I have asked for proper valiadation from Portfolio Recovery stating that I owe a debt. They have not sent me the proper documents such as signed contract with my signature, just photo copies of statements that do not show i ever opened an account. The law clearly states that in order to validate a debt they are trying to collect they have to prove the account is mine and they have not proven that. I was a victim of fraud my ex took out accounts in my name im assuming and i had no knowledge of these debts. I have tried many times to receive proper validation and this company has yet to do so which is against the law. I am a XXXX XXXX  and this negative reporting is negatively affecting my credit and causing me a great deal of stress because i cant rent an apartment of my own because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
This company is telling me they have no knowledge of this open account. it was opened on XX/XX/2016. I'm trying to request a new card and it isnt showing up in their system. This account is showing up on all my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-15 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Dowler Law Firm, PLLC
State: AR

Complaint narrative:
XXXX XXXX XXXX ( XXXX ) The Dowler Law Firm XXXX XXXX XXXX, XXXX XXXX, AR XXXX ( XXXX ) XXXX Supposedly Representing the Board Of Trustees for the University of XXXX d/b/a University of XXXX for Medical Sciences. 

I paid the bill for {$130.00} on XX/XX/2019. I called the University of XXXX and told them the bill had been paid. The University said there would be no court date since the bill was paid. The XXXX proceeded with a judgement against me and illegally put a garnishment on my paycheck although I had paid the bill months before. The garnishment was placed on my paycheck indicating that I had been on strike with the XXXX XXXX School District and I did not strike. The withdrawal was held up until that paycheck was disbursed. Deducting amounts from my paycheck and illegally making it look like I did not pay the bill. I paid the bill and he sued for his fees. XXXX XXXX XXXX did not give me time to pay him his attorney 's fees and he carried out an illegal process with the help of the District Court of XXXX, Arkansas. The withdraw from my check, public humiliation to me with my employer garnishment was not needed when I had already paid the bill. He meaning XXXX XXXX XXXX carried out a defemation of character with my employer about me. Harrassment comes in different forms ad unfortunately this was one form. The law firm needs to be in trouble and the process of University of XXXX Medical Sciences. This was deliberate in nature to lower my credit score. Personal Vendeta.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 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: IL

Complaint narrative:
I was a victim of identity theft and was also in the Experian Data breach. I recently printed a copy of my credit report was distressed of the inaccurate information that is reporting on my report. There were a few accounts on my report that I was unaware of and did not authorize as follows : XXXX XXXX XXXX acct : XXXX XXXX  XXXX XXXX  XXXX acct : XXXX XXXX XXXX  acct : XXXX XXXX XXXX acct : XXXX XXXX XXXX acct : XXXX This company also has my name as XXXX XXXX when that is not what is on my identification. 

These companies have nothing barring my signature for accounts. I have attached FTC report pertaining to these false accounts.

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 2020-01-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Citi Bank failed to link the correct account to my auto bill pay, thus the payment was returned and attempted to be made again, multiple times. I spent hours on the phone with Citi, correcting this issue. I was even credited fees back due to this being an error on their end. However, I just received notification that they have slashed my limit in half, due to returned payments, that were their fault. I have never missed a payment, the error was ONLY on Citi Bank and their completely incompetent customer service agents.

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 2020-01-15 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: AZ

Complaint narrative:
XXXX XXXX and on XXXX XXXX they pull our credit and put DELINQUENT Account my Score was about XXXX now its gone down more to XXXX My score would of been up to 550-575 And i could got Rifi! Now on my credit report XXXX XXXX XXXX pull my credit Four Times give me more Inquires so on XXXX saying iam Delinquent and Trans Union , XXXX  , ... 
Our Payments are Not due tell XXXX of each Month Plus we got 10 days Grace period.We have upto XXXX, to get our payment in ... XXXX XXXX put 4 Marks on my Credit Report that should Not be thier.My Credit Union said they could RiFi at lower Rate about 18 % is Better then 26 % we have to pay crooked people ... 
.Iam XXXX from XXXX in XXXX XXXX Utah XXXX.Me my wife fell down got hurt.She fellXX/XX/XXXX i XX/XX/XXXX we tried working one light duty but XXXX Ast Manager over work us, and Workmen Comp says we have to stay working for XXXX to get paid.

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 2020-01-15 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: AZ

Complaint narrative:
XXXX XXXX and on XXXX XXXX they pull our credit and put DELINQUENT Account my Score was about XXXX now its gone down more to XXXX My score would of been up to 550-575 And i could got Rifi! Now on my credit report XXXX XXXX XXXX pull my credit Four Times give me more Inquires so on XXXX saying iam Delinquent and XXXX XXXX XXXX Experian XXXX ... 
Our Payments are Not due tell XXXX of each Month Plus we got 10 days Grace period.We have upto XXXX, to get our payment in ... XXXX XXXX put 4 Marks on my Credit Report that should Not be thier.My Credit Union said they could RiFi at lower Rate about 18 % is Better then 26 % we have to pay crooked people ... 
XXXXIam unemployed from XXXX in XXXX XXXX Utah XXXX my wife fell down got hurt.She fell XXXX XXXX i XXXX XXXX we tried working one light duty but XXXX Ast Manager over work us, and Workmen Comp says we have to stay working for XXXX to get paid.

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 2020-01-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
On XX/XX/2019 an unknown person used my personal account information to order furniture and other items from XXXX for {$2100.00} and charged the purchase to my XXXX credit card. The charges are as shown on XXXX XXXX # XXXX. Wayfair chard is back by Comenity Bank. 

At no time did I give any person permission to use my XXXX card and did not authorize any of these charges. The address associated with the order is XXXX XXXX XXXX, XXXX, CA XXXX. The phone number listed is XXXX. The phone number or address is not mine. 

In response to the order XXXX sent a confirmation email to my email account which I noticed on XX/XX/XXXX, XXXXThat same day I contacted XXXX by phone to report the fraudulent activity and received an email confirmation of my call. The email further instructed me to contact Comenity Fraud Department which I did. ( see attached Email from XXXX ) Comenity indicated they would investigate the charges. 

Within the next several days I received calls from other merchants with whom I hold credit cards ( XXXX, XXXX, XXXX  ) and in one case a new account someone was attempting to open.The activity suggested fraud and all were all flagged and terminated. 

As a result I contacted all 3 credit reporting agencies, initiated a fraud alert, and initiated a 7 year fraud notification. 

On or about XX/XX/XXXX I began to receive calls from delivery companies about attempts to deliver XXXX products per the order above. I contacted XXXX again and learned that the goods were never cancelled and were still showing on my account. 

I then contacted both the XXXX  and XXXX Police departments, and filed identity theft and fraud reports with XXXX Police Department and and the Federal Trade Commission. ( see attached XXXX report ) XXXX XX/XX/XXXX, I received a letter from Comenity dated XX/XX/XXXX indicating that the bank finds no basis to support the fraud claim and finds me liable. ( see attached omenity Letter ) On XX/XX/XXXX I again contacted Comenity and after 30 minutes was unable to speak with anyone that would address or resolve this matter. 

I did not authorized, condoned, or allowed any person to use my personal information/account/credit card to purchase anything from XXXX/Comenity. 

I ask that CFPB immediately investigate and resolve this matter on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NVR INC.
State: FL

Complaint narrative:
The mortgage company NVR, involved in the financing of the home I'm having built, has informed me that my credit report shows I have paid off an existing loan. Which has caused my credit rating to drop from XXXX to XXXX. I find this unexceptionable. This has increased my down payment on the new home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: MS

Complaint narrative:
I moved out of a house at the end of XXXX. The landlord walk the house in XXXX and sent what I had to pay to the collections company at the end of XXXX on XX/XX/XXXX they put it on my credit report. Never got a letter from the landlord to see if I will pay them it just went straight to collections. The Pro Collections People are so rude and want send me a break down of what I have to pay. Plus the amount they put on my credit report was wrong and now I having a hard time getting a place.

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 2020-01-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
SPS purchased my mortgage from XXXX mortgage a little more than a year ago. Every month I pay more than double the amount do to apply it to my principal. On two occasions ( XX/XX/2019 and XX/XX/2019 ) they have taken the payment as a prepay for the next month and not deducted it from my principal. When I made the next months payment they would accept it as that months payment like normal. They owe me {$500.00} in additional principal reduction for these actions. Additionally they wait until way after my payment is received to process the payment to collect more interest. If I could fire them I would but I am stuck with these thief 's!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Westcreek Financial
State: TN

Complaint narrative:
This company is up to their tricks again. Reported twice on my credit report late when I paid off this loan from what I borrowed. 

I also believe it's a retaliation of all of the call complaints I filed against this company. 

PLEASE SHUT THIS COMPANY DOWN. They are thieves. I financed {$2900.00} and they wanted me to pay back {$6200.00} approximately. This company is worse than a payday loan. 

SHUT THIS COMPANY DOWN.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harpeth Financial Services, LLC
State: TN

Complaint narrative:
I have a balance at XXXX XXXX. I've written several times about the high interest and fees regarding this loan. 

I would be happy to pay {$100.00} per month or whatever is agreed upon as I told them before. 

I received a letter from XXXX XXXX XXXX regarding this. The reason I haven't been paying on it is the interest and fees HAVE NOT STOPPED ACCRUING. 

I want the interest and fees to stop accruing from the time I made my last payment, whenever that may have been. 

Now I received this letter from the law firm and they are trying to charge me {$500.00} in attorney 's fees. ARE YOU F KIDDING ME? They are out of their mind if they think I am paying them one dime to write a two paragraph canned letter where they changed the amount and my name and took them 5 minutes. 

I would like to know the total amount of obligation WITH ZERO ATTORNEY 'S fees so I can start paying on the balance WITH NO INTEREST OR FEES from the time I made my last payment a few months ago. This was XXXX 's decision to send this to the attorney. So often, they send it over and laugh about it, then charge the consumer. 

I am also tempted to turn in this law firm to the Bar Association in TN due to this gouging of a payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On credit reports of all three agencies. Disputed once for incorrect information. Tried to dispute again with a different reason : account too old to be on credit report. XXXX  XXXX XXXX  XXXX. Opened XX/XX/XXXX. Last reported and closed XX/XX/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 2020-01-15 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:
I am a victim of identity theft. I pulled my credit report and discovered there is a fraudulent account in my credit report. I did not open XXXX XXXX credit card in XX/XX/2007. This is a result of identity theft. I contacted the credit reporting agencies and they deleted the fraudulent accounts from my credit reports. However, Experian credit bureau reinserted the XXXX XXXX account back to my credit report ( please see attached deletion letter from Experian ). I insist that XXXX XXXX XXXX XXXX account is fraudulently opened and I have no knowledge of this account.

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 2020-01-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC
State: FL

Complaint narrative:
On XX/XX/2017 I closed on my home, XXXX was the mortgage holder per the paperwork signed. I was then notified that I would make payments to Planet Home Lending, which I did from the vary beginning. 
Last year my mortgage increased by {$400.00} per month because they stated that they had an escrow shortage due to an increase in my taxes. Not being able to afford that I requested a FHA streamline refinance. 
I received a letter with another individuals Name Address and  Social Security number on it. At that point I was very concerned that my personal information may also be given out to other Customers of this company. 
I called Planet Home Lending to complain and they stated that my refinance was denied. 
I started to research my escrow account only to find that what I paid at closing was not the amount Planet Home Lending started my escrow account with. I paid a total of $ {$1400.00} per my settlement sheet and Planet Home Lending started my escrow account at {$670.00}. 
I contacted XXXX XXXX who explained that this was a net loan and the mortgage company was not paid from the Title Company, but instead deducted the escrow and paid the Title Company the difference ( Never heard of such a thing ). I then contacted Planet Home Lending who told me that XXXX owned my original mortgage and I would have to speak to them. They are out of Business.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am a victim of identity theft. I pulled my credit report and discovered there is a fraudulent account in my credit report. I did not open Wells Fargo credit card in XX/XX/2007. This is a result of identity theft. I contacted the credit reporting agencies and they deleted the fraudulent accounts from my credit reports. However, XXXX  credit bureau reinserted the Wells Fargo account back to my credit report ( please see attached deletion letter from XXXX  ). I insist that Wells Fargo Card Services account is fraudulently opened and I have no knowledge of this account.

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 2020-01-15 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On credit reports of all three agencies. Disputed once for incorrect information. Tried to dispute again with a different reason : account too old to be on credit report. XXXX XXXX XXXX  XXXX. Opened XX/XX/XXXX. Last reported and closed XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On credit reports of all three agencies. Disputed once for incorrect information. Tried to dispute again with a different reason : account too old to be on credit report. XXXX  XXXX XXXX  XXXX. Opened XX/XX/XXXX. Last reported and closed XX/XX/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 2020-01-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I disputed Midland Funding LLC with all three credit bureaus. I disputed the charge for the amount of {$710.00}. I have no knowledge of the account. I have never had an account with this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-15 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
A online store - amazonstorecard.com - uses unethical finance charges to gouge customers. An example is they neglect and refuse to honor good faith late payment fees i.e XXXX dollars for the first month regardless of any payments made. For example a XXXX dollar item with coupon was billed XXXX dollars after 3 month. This lending company is a scam. My credit score is fair due to a XXXX dollar item. 

Please respond, P

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 monetary relief