vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
After reviewing my credit report I noticed there were fraudulent inquiries on my credit file. I have no knowledge of these hard inquiries and they do not belong to me. I have a fraud alert on my credit file and was not notified of someone applying for credit in my name. My phone number is listed on my fraud alert and no one contacted me to validate if I was applying to extend credit. These are fraudulent and needs to be deleted immediately off my credit file. I reached out to the creditors and they were not able to provide me with any information on the inquiries or who attempted to get credit in my name. The inquires are listed below : XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, and XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R.M. Galicia, Inc.
State: AZ

Complaint narrative:
I am in need of assistance ensuring that the the debt collector Progressive Management/XXXX  XXXX XXXX and credit bureau XXXX  abides by the law, in regard to an issue with collection activity on my credit report. After exercising my rights under the FCRA Fair Credit Reporting Act, and countless letters sent certified mail via USPS, XXXX  who failed to properly validate and verify collection activity on my account. Dispute letters were sent directly to the debt collector Progressive Management/XXXX XXXX XXXX on XX/XX/2020 requesting validation of the debt trade line appearing on my credit report. In reference to the dispute letters sent on the date above, Progressive Management provided a response on XX/XX/2020 that attained PHI and HIPAA content pertaining to me without addressing proper validation/verification of the debt. 

Initially I sent the dispute letter to Progressive Management/XXXX XXXX XXXX requesting this validation/verification to further prove the debt was legitimate, which ultimately resulted into a security breach of unsecured PHI. I have no record proving that I have given Progressive Management/XXXX XXXX XXXX authorization to have sensitive information about my personal health concerns, nor has Progressive Management/XXXX  XXXX XXXX provided any such documentation bearing my signature. I then proceeded to send letters to XXXX on XX/XX/2020 disputing the trade lines on my collection report for Progressive Management/XXXX XXXX XXXX in reference to the unverifiable debt and HIPAA violation. A reinvestigation request was made to XXXX, with supporting evidence, to further investigate the HIPAA Violation in which they simply updated as accurate without disclosing any method of verification as requested. On XX/XX/2020 I received an email from XXXX  that the debt was simply updated without any further information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
To Whom it May Concern, Your firm has failed to send the legally required validation of the following debt : PORTFOLIO RECOV ASSOC XXXX PORTFOLIO RECOV ASSOC XXXX PORTFOLIO RECOV ASSOC XXXX PORTFOLIO RECOV ASSOC XXXX PORTFOLIO RECOV ASSOC XXXX You have sent me  copies of bills that is owned by other companies which is not validation. You have been notified that your actions are detrimental to me and that your firm has violated ( including but not limited to ) the Consumer Credit Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act. 
Your firm knew or should have known that the actions taken against me and the information collected about me was inappropriate and damaging to me. 
Failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. 
Communicated and are continuing to communicate incorrect and defamatory information to third parties including but not limited to : XXXX, XXXX, and XXXX XXXX. 
As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also very upset at your firm 's intentional infliction of emotional distress and at the other diminishes of the quality of my life. 
I am now demanding the immediate and complete removal of this trade line from my credit reports ( XXXX, XXXX, and XXXX XXXX ). 
As I am currently attempting to apply for credit, time is of the essence. Please understand that I am extremely concerned about the consequences of the actions your firm is having on my life. Please be advised that, if this matter is not resolved by XX/XX/2020, I will take any and all necessary steps to protect my rights. That is to file a lawsuit against this company. I have already had dialogue with an attorney on my rights. I have every intent to sue if the matter is not taken care of. 
Thank you in advance for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: World Acceptance Corporation
State: GA

Complaint narrative:
I noticed today ( XX/XX/2020 ) that WORLD FINANCE CO # XXXX has reported a Charge Off ( Account Number XXXX  XXXX ),  on my credit report with a Date Reported of XX/XX/2020. I have been enrolled in informed delivery with USPS for over a year now and have not tracked any correspondence from world Finance. 

If they claim the sent any correspondence, please PROVE this with a tracking number that I received such. Please note : A letter with a date is not proof as this can be generated at any given time. 

I have NOT received ANY communication from World Finance about this debt. World Finance is in violation of the Fair Credit Reporting Act ( herein described as " FCRA '' ), section 623 7 ( A ) ( i ). 

Furthermore, FCRA Section 7 ( B ) ( i ) states that ; The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency. 

I demand for this trade-line ( Account Number XXXX  XXXX ) to be remove immediately from any and all credit reporting agencies that they are reporting to, and do NOT reinsert this trade-line. 

I will also be filing a complaint with the FTC and Georgia 's Attorney General office. 

I will not hesitate to bring legal action against WORLD FINANCE for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character Yours truly, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
On Sunday, XX/XX/XXXX, I contacted Capital One and advised them of two transactions {$280.00} and {$510.00} mistakenly taken out of my credit card balance by XXXX XXXX XXXX. I specifically requested that I be capable of keeping my credit card ending in XXXX. The customer service representative advised me that she had not requested a replacement card. However, when I called back later during the day I was advised that my credit card ending in XXXX had been cancelled against my request. I then requested to speak with a manager who then indicated that the cancellation could not be reversed. I had planned to use my credit card on Monday and Tuesday of this week. Now that my credit card has been cancelled I will now have to wait until I receive the new card in the mail which has caused me extreme inconvenience. Since XXXX, I have been harassed by the FBI who is consistently using Section 702 to perform a warrantless search and seizure of my personal communications. Apparently, the FBI who has involved the City of XXXX in the unlawful surveillance is capable of monitoring and intercepting all personal call, text, emails etc. They have been intercepting my phone calls and impersonating individuals who work in companies in order to deprive me of my constitutional rights. As previously stated, I never requested or authorized the cancellation of my card ending in XXXX. I specifically advised the customer service representative to avoid cancelling my card by telephone on XX/XX/XXXX. I know that the cancellation was done by the FBI as they have all of my information and have and continue to interfere with my constitutional rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc
State: OH

Complaint narrative:
Ad Astra could not confirm the debt was mine and removed it from my XXXX  credit report. It remains on my XXXX  and XXXX  reports. This is illegal reporting practice and I will be filing a formal complaint in court within 30 days of this complaint if it is not removed from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07 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: U.S. BANCORP
State: CO

Complaint narrative:
I have contacted US Bank, filed CFPB complaints, starting with charges by " XXXX '' to my account. These transactions have been typically {$4.00} - sometimes more than once a month. I reported this last year, this year, last month, this month to US Bank. US Bank responded saying I reported this to them. US Bank stated " our fraud department would be in contact with you ''. No one has contacted me. Yesterday, another " XXXX '' charge appeared on my account. I am on hold now with the " US Bank Fraud Department ''. Have been on for 15 minutes. 
I see two charges from " XXXX XXXX XXXX '' on my account. I live and work in XXXX, CO. I do not know anyone in Oregon. Against my wishes, I will now have to cancel this account, which will cause direct payments from my account with valid organizations I have chosen, to be re-done with new card information. 
I demand a satisfactory reply from US Bank on my previous fraud complaints. I show no refunds made to my account. I show no refund of overdraft charges. I show no assistance from US Bank at all. 
Yesterday, I stood in line outside the US Bank branch at XXXX and XXXX  XXXX in XXXX, CO. As I stood there, I spoke to one old woman who had called that morning to find a branch which was open in the XXXX area. She was told there were 2- one off XXXX XXXX , and one off XXXX and XXXX  XXXX- She arrived at the XXXX branch to find the computers were down. She arrived at the location I was at to stand in line again. She had been at this for 3 hours that morning. When I got inside, there were 7 teller windows, but only 3 tellers. US Bank has shut down branches all over XXXX, and the only one open on XXXX is staffed by 3 tellers? Undeniably, US Bank is  one of the worst banks in the United States. 
XXXX XXXX, XXXX CO XX/XX/20

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 2020-09-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NC

Complaint narrative:
My mortgage company LoanCare LLc, will not allow me to have online access to my monthly mortgage statements. They say they have been sending them to my bankruptcy attorney, since filling a chapterXXXX, in 2015. 
Also while under the bankruptcy I am not allowed to have access to my account nor receive statements. 

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Minto Financial dba Minto Money
State: FL

Complaint narrative:
I took out a payday loan of {$370.00}. On their website, it was advertised as a 7 % interest rate. Looking at my checking account, I'm wondering why I've been paying {$100.00} every two weeks on a {$370.00} loan. I called the company in which then I was told it was an interest rate of 721 %! That is not what it was advertised as. Also, in the state of Florida, a lender can not legally use an interest rate over 304 %. So what this company has done to me is illegal. They have charged me {$100.00} on XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20, and XX/XX/20. This is way over my loan and almost over the legal interest rate in my state. This company deliberately advertises their interest rates lower then sneakily bumps it up once you sign. When I signed, it was 7.2 % interest. Not 721 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07 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 belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
After observing my credit report and receiving prior security alerts. I observed a inaccurate fraudulent account in my name and also a hard inquiry on my credit file. I have in the past been a victim of fraud, have had my information exposed and leaks on the dark web and also through XXXX  data breach. Which I am currently awaiting a claim lawsuit. The hard inquiry that was detected and is inaccurate and not authorized by me is by XXXX/XXXX  on XX/XX/2020. A fraudulent account from XXXX XXXX  XXXX XXXX is also listed on my credit file and this account was disputed in the past and reappeared.Attached is documents from XXXX XXXX advising that they found my information in a application and notice that it was fraudulently done and the unknown individual couldnt verify the correct identity to access my information. But an account was still openeded via web. I am requesting for XXXX XXXX XXXX  to be permanently removed from my credit file as this is hurting my score and was unauthorized by me.

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 2020-09-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Sent in disputes with proof of inaccuracies for several months with no change. Sent last disputes in XX/XX/2020. No changes. Credit report is showing accounts with wrong account numbers, wrong address, incomplete and inaccurate payment history, dates of accounts saying closed but still reporting negative over 2 years after the close date. Incomplete payment history dates. Accounts only 60 days late and is charged off. Payment recieved is higher than the high balance.

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 2020-09-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: RI

Complaint narrative:
I have an old account that went to collections for XXXX XXXX. The amount owed was {$1000.00} when it went into collections. When I received a call about this bill in XX/XX/2020, I was told that the bill was {$2100.00} ( which was never the amount owed ). 
Well because I am trying to increase my credit score I planned to pay all past due bills. The company assigned to the collection was XXXX XXXX XXXX XXXX. 
As I spoke with the rep, he explained to me that I could not negotiate a settlement or payment plan since they company is not licensed to collect in RI where I live. Please explain to me how this can not be disputed? I have disputed this numerous times but I am getting nowhere. The amount they are charging me is also wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capital Accounts, LLC
State: TX

Complaint narrative:
Capital Accounts called XX/XX/XXXX to collect a debt I was totally unaware of. Capital Accounts LLC had an old address on file that I had not lived at for over six months prior to the date the collection was filed which was XX/XX/XXXX. XX/XX/XXXX Capital Accounts LLC called to collect a debt, did not disclose the reason for calling before asking me my name, address, and phone number. Capital Accounts LLC had the wrong address on file and asked me to verify and correct information before disclosing who they were. I have since disputed Capital Accounts LLC with all three credit Bureaus, and they have been discharged from all three credit reports since XX/XX/XXXX. I have since spoken with several debt collectors from Capital Accounts LLC who continue to try to collect a debt that was successfully disputed and discharged. To no avail, I am still receiving calls from Capital Accounts LLC claiming I need to dispute with their administrators since I had them deleted. There is no reflection of Capital Accounts on XXXX, XXXX, and XXXX  as well as XXXX XXXX ( despite them not being a credit bureau ). I have informed Capital Accounts LLC multiple times since XX/XX/XXXX that I should not be receiving phone calls any longer yet I am still receiving seemingly harassing phone calls. I have asked for written documentation of the bill in XX/XX/XXXX and did not receive.

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 2020-09-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: WA

Complaint narrative:
In XXXX, our mortgage lender was noted as XXXX XXXX. On XXXX I made digital payment of {$2800.00} to XXXX XXXX via my Bank. During that same time, my payment was not properly transferred and get reported by the then new owning mortgage company DiTech Financial. 

As a result, I was informed by DiTech that I was in default of 30 days for not paying my loan. XXXX, I made 2 payments for {$5600.00} and shared my grievance for paying 2x. The call support agent filed a case but no action was taken to resolve the discrepancy in payment and accounting on their end. 

As of XXXX, my credit reports have been negatively effected by 2 credit unions as a result of this issue and I am in the process of buying a new home and would like assistance to correct this issue and receive a refund of the additional payment that was made that I never received back from DiTech. 

I have bank statements of all payments made as evidence of my account status. 

Best, XXXX XXXX XXXX : XXXX T : XXXX Address : XXXX XXXX XXXX XXXX, XXXX, WA, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Synchrony denied me merchandise credit of XXXX financing stating due to payments history with Synchrony. I have never been late or missed a payment

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 2020-09-07 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 have recently filed complaints against 2 companies listed on my credit report thru the Consumer Finance Protection Bureau. The 2 companies are XXXX  and XXXX  and XXXX XXXX. I have attached the complaints and the company responses to my concerns. XXXX and XXXX said this tradeline should be remove and XXXX funding sent me correspondence that clearly states I do not owe them this debt as this debt came from another collection agency and that collection agency got it from another company. I do not have a contract with XXXX. Please delete this tradeline for non factual reporting. Please see the attachments and delete immediately.

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 2020-09-07 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 — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: NH

Complaint narrative:
I called about these issues and the call was transferred to a not active line. 

I did not make any of these charges : XX/XX/2020 EXTENDED STAY XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX  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 monetary relief
Consumer complaint received 2020-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. Initial dispute sent on XX/XX/2020 and the 30 Day demand to comply was sent on XX/XX/2020.

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