vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-21 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: NV

Complaint narrative:
I am writing this letter to bring to the attention of the Consumer Financial Protection Bureau of a recent dispute investigation which was completed recently updated with regards to XXXX XXXXXXXX XXXX XXXX account number XXXX, involving a closed charge off account that still reporting inaccuracies even after being investigated. I have attached a photo document which I obtain from Experian online dispute portal for reference. As you can see in the attached document, Experian investigation yield a number of errors which compromised the accuracy of my credit file. 

On XX/XX/XXXX thru XX/XX/XXXX, Experian reported that this account was 30 days late and on XX/XX/XXXX thru XX/XX/XXXX they reported the same account to be 120 days late. As you may already know, this is impossible and a " clear and unmistakable '' error since each month represent 30 days in itself. 

In addition, this account was charge off/closed on XX/XX/XXXX however, the amount displayed as past due represent interest or additional payments accrued over time which is illegal since the account is reported as closed. 

And lastly, the account number for this account are different and do not match as represented in the separate documents pulled from Experian online dispute information. Here are the two accounts that was generated 1. Account Number XXXX 2. Account Number XXXX this can be seen on the attached photo documents. 

Since Experian recent investigation Report Number : XXXX Date Generated : XX/XX/XXXX which they presented as an accurate account of of there investigation yield multiple errors with is a direct violation of the Fair Credit Reporting Act which is governed and enforced by both the State of Nevada and Federal Law instituted by the United States Congress and other governing bodies of our government. I ask that this account be removed/deleted from my Experian consumer credit file/report and any additional database or member affiliation which they may share information with. I ask that the process be completed as soon as possible and without delay under the authority of the CFPB also know as, the Consumer Financial Protection Bureau. Thank you for your aid and assistance concerning this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Confusing or missing disclosures
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo has failed to pay Civil court Number XXXX under the middle district of PA. Wells Fargo is named as a defendant.

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 2021-03-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Insikt, Inc.
State: CA

Complaint narrative:
I XXXX XXXX XXXX have been dealing with this debt collector for a few months now and they continue to violate the statutes I have listed below. 
15 US code 1681a # 4 - respect the consumers right to privacy, these companies have infringed my right to privacy after explaining to them that is not my debt they continue to update my credit report monthly.

15 US code 1692a- The term debt means any obligation or alleged obligation, i have explained to this company that this debt is not mine.

*15 USC 1692f- Communicating with a consumer regarding a debt by post card, post card in others words means to bring notice or attention to the public ( credit report ).

Company response to consumer: Untimely response
Consumer complaint received 2021-03-21 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: EQUIFAX, INC.
State: NY

Complaint narrative:
As of XX/XX/2021 my credit scores dropped from both Equifax and XXXX 17 points with out proper reason. This is a recurring problem due to the algorithms not waiting for the month cycle to complete which always shows that I have XXXX out my balances. 
These egregious errors can cause me to pay higher insurance rates and cost me more money to pay premiums. My credit scores should be well above XXXX across the board.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
As of XX/XX/2021 my credit scores dropped from both XXXX and Transunion 17 points with out proper reason. This is a recurring problem due to the algorithms not waiting for the month cycle to complete which always shows that I have XXXX out my balances. 
These egregious errors can cause me to pay higher insurance rates and cost me more money to pay premiums. My credit scores should be well above 800 across the board.

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 2021-03-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: IA

Complaint narrative:
This is the third complaint we have filed. This one is in response to complaint : XXXX as I was not able to respond via the online tool I am presenting a new complaint. 
In XX/XX/XXXX Community Loan Servicing responded to complaint XXXX but did not have the most accurate information regarding our loan modification and subsequent subordination of title to finalize the loan modification that should have been completed in XXXX of XXXX. 

1. The Broker Price Opinion provided in their response was NOT an appraisal. ( See attached document that was sent in Community Loan Servicing response ) ( 126 pages of excuses that are not accurate ) This document was sent to us ( XXXX XXXX XXXX XXXX ) by Bayview Loan Servicing and we sent it to XXXX. 
2. XXXX ( XXXX XXXX ) responded that the Broker Price Opinion was not sufficient and XXXX sent an email to Bayview with the correct documents required. ( See Attached email ) 3. I have reached out to the individual who did the appraisal that was/is required to finalize the subordination of title ( XXXX XXXX - XXXX XXXX ) and requested a copy of the appraisal he did in order to expedite the subordination process to finalize the modification of loan. XXXX 's response was that he CAN NOT send the appraisal to us as it was ordered via XXXX by Bayview, Bayview, now Community Loan Servicing has to send the appraisal they got from the XXXX to XXXX along with the other documents that were requested in the email from XXXX XXXX ) We are asking that Community Loan Servicing finish the original loan modification and have the title subordination completed in order to complete the loan modification. 
We are asking that Community Loan Servicing finish the original loan modification and have the title subordination completed in order to complete the loan modification. 
Basically do the job they are getting paid for. It has been over 2 years since this began for us and to this date Community Loan Servicing has not held up their end of the process, giving excuses after excuses and not returning phone calls. 
We spoke with XXXX, a customer service representative on XX/XX/XXXX who sent an email to XXXX XXXX and his supervisor XXXX XXXX - we were told we would receive a call regarding the loan modification and to this date have not heard from Community Loan Servicing via phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 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 — Problem with personal statement of dispute
Company: ERC
State: IL

Complaint narrative:
On XX/XX/2021, Enhanced Recovery Co add a derogatory mark on my credit report per credit karma Upon, further research this account was transferred/ sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was No written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA Enhanced Recovery CO has violated my rights as a consumer and Im requesting legal action to remove this amount immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
I XXXX XXXX XXXX have been dealing with this debt collector for a few months now and they continue to violate the statutes I have listed below. 
15 US code 1681a # 4 - respect the consumers right to privacy, these companies have infringed my right to privacy after explaining to them that is not my debt they continue to update my credit report monthly.

15 US code 1692a- The term debt means any obligation or alleged obligation, i have explained to this company that this debt is not mine.

*15 USC 1692f- Communicating with a consumer regarding a debt by post card, post card in others words means to bring notice or attention to the public ( credit report ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stern Recovery Services, Inc.
State: NC

Complaint narrative:
When I looked at my credit report, I noticed this account. It was listed as a derogatory mark. I don't have any medical bills and I've never did any type of business with these 3rd party companies.

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 2021-03-21 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: FL

Complaint narrative:
I disputed a fraudulent card opened in my name with XXXX XXXX XXXX with all three credit companies and I am not getting any result. I have never applied, received or used this card, so I will not pay.

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 2021-03-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
I XXXX XXXX XXXX have been dealing with this debt collector for a few months now and they continue to violate the statutes I have listed below. 
15 US code 1681a # 4 - respect the consumers right to privacy, these companies have infringed my right to privacy after explaining to them that is not my debt they continue to update my credit report monthly.

15 US code 1692a- The term debt means any obligation or alleged obligation, i have explained to this company that this debt is not mine.

*15 USC 1692f- Communicating with a consumer regarding a debt by post card, post card in others words means to bring notice or attention to the public ( credit report ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
Payday loan collection agreement was made with national credit adjusters on XX/XX/XXXX to make a payment totaling {$350.00} and {$45.00} for agreed settlement. The payments were made but national credit adjusters refuse to acknowledge the recorded agreement so that the collection can be removed from my credit report. Several Calls have been made to the collection agency with me being advised on a recorded line that the payment will be reported by XX/XX/XXXX but it has not been. I reported the collection to XXXX  as paid and the agency denied that it was. As of Now the collection still remains on my credit as unpaid. I spoke with XXXX # XXXX. Ref # for Payment is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
Midland Credit Management is reporting a collection account from XXXXXXXX XXXX  on my credit report. I have not received ANYTHING in the mail from this company advising of this account and my right to dispute. This company can not report this account on my credit report without first providing notice of the debt and my right to dispute it and ask for validation. This is against the law. I have not received anything from Midland Credit Management about this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 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: DE

Complaint narrative:
I was just looking over my credit report and found some inaccuracies that I am demanding you correct. This account is paid in full and the creditor agreed to delete the 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 2021-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Hey I was inquiring about an issue that I have with BB & T where there's was fraud committed on my account causing it to close/charge off for no apparent reason. I disputed this item and let them know multi times that fraud was done and they dismissed my claim with no real investigation and they told me that it was verified without providing any documents. This has cause my to owe XXXX plus dollars and I am unable to open any new bank 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 explanation
Consumer complaint received 2021-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: WI

Complaint narrative:
Signed up for 0 % APR balance transfer. 
I have all documents from promotions and official agreements. 
American Express customer service claims that other interest fees applied and charged me every month for interest that was not in the agreement. 
When attempting to resolve for the third month in a row, an official case was opened, and when they concluded they were right they put the balance back and then added 4 cents to the balance due to poor accounting. 

I also have all monthly statements and they do not keep accurate balances from month to month. With last month 's balance, interest charged, amount paid, and any other fees on the statement, they will create a new balance that does not match what should be calculated. 

When finally closing the account, the service representative said everything was paid in full and I would not be charged anything anymore. The next month they sent me one last bill for interest that I was promised would not happen. 

XX/XX/XXXX {$2.00} XX/XX/XXXX {$1.00} XX/XX/XXXX {$1.00} + {$0.00} XX/XX/XXXX {$1.00} + {$28.00} XX/XX/XXXX {$2.00} + {$0.00} XX/XX/XXXX {$2.00} + {$0.00} XX/XX/XXXX {$2.00} XX/XX/XXXX {$2.00} + {$0.00} XX/XX/XXXX {$2.00} XX/XX/XXXX {$2.00} + {$0.00} XX/XX/XXXX {$2.00} XX/XX/XXXX {$1.00} XX/XX/XXXX {$52.00} Totaling {$100.00} in additional payments due to American Express 's poor accounting and billing. 

I can also provide dates and times for calls to customer service to verify I tried to solve the issue and was lied to by their representatives that I would not be charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 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: DE

Complaint narrative:
I recently checked my credit report and noticed fraudulent accounts on my credit report.I reached out to the creditor to request the accounts to be removed and they have not removed it. These are fraudulent accounts and need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 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: PA

Complaint narrative:
I recently checked my credit report and noticed fraudulent accounts on my credit report.I reached out to the creditor to request the accounts to be removed and they have not removed it. These are fraudulent accounts and need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
i submitted my dispute on XX/XX/2021 with certified mail to ensure delivery i then waited the allotted time for a response then after 30 days with no response i sent a follow up letter on XX/XX/2021 certified again and still no response the total time for my dispute has been well over 60 days and no information or update

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 2021-03-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
On XXXX XX/XX/2021, I sold my digital asset- XXXX XXXX include transaction fee total amount {$6600.00} in XXXX dollar in XXXX with XXXX, the buyer used PayPal for payment, after I confirmed the fund was into my PayPal account, I released the digital asset to the buyer, after 3 hours later, the buyer file it as unauthorised transaction in paypal , I have provided PayPal all the proof that The goods have been released to customer, but end up PayPal said it is unauthorised transaction and took all my money and refund to the scammer, please help me, I have find both XXXX and PayPal XXXX XXXX freeze the scammer account but he already transfer out all the digital asset and they confirmed this is a fraud, for PayPal they just simply said I am not under seller protection and close case, I have made a police report to XXXX police force

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Lazega & Johanson LLC
State: GA

Complaint narrative:
Lazega & Johanson Attorneys at Law violated my consumer rights on XX/XX/XXXX 15 USC 1692b ( 5 ) and 15 USC 1692b ( 2 ). Which I have evidence of the incident. Lazega & Johanson Attorneys at Law violated my consumer rights again on XX/XX/XXXX 15 USC 1692b ( 5 ) and 15 USC 1692b ( 2 ). Which I have evidence of the incident. Lazega & Johanson Attorneys at Law are also in violation of my consumer right 15 USC 1692f Unfair Practices. The collection of any amount ( including any interest, fee, charge or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. Me being the consumer I did not agree to pay any fees outside of the debt and or interest and I would like all of my money back that is outside of the debt. The {$110.00} in interest, {$33.00} attorney 's fees and {$600.00} in litigation expenses. These fees or not included in the original debt and Me the consumer is not liable to pay this debt 15 USC 1692f and I demand my money back from Lazega & Johanson Attorneys at Law since they continue to violate my consumer rights.

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 2021-03-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: FL

Complaint narrative:
Caliber Home Loans was required to pay my property taxes via my escrow account in XX/XX/XXXX. As of today, XX/XX/XXXX, my property taxes are still outstanding. I have contacted Caliber three times and have been told they show that the taxes were paid on XX/XX/XXXX ( which is a violation, even if it were accurate, because they are required by regulation to pay in XX/XX/XXXX per Florida requirements ). I have now closed a refinance loan with another lender and had to pay my outstanding taxes ( again ) and the late penalty. I would like my escrow refunded as my taxes were never paid. Caliber Home Loans has not been responsive and I am concerned I will never get my escrow funds back. I have documentation showing the taxes were never paid, but that nearly {$4000.00} was withdrawn from my escrow account on XX/XX/XXXX. I also called the XXXX County Tax Collector who verified that my taxes were never paid on or around XX/XX/XXXX and that as of today they are still outstanding. These taxes will be paid soon by my new title company, however Caliber Home Loans needs to refund my escrow in the amount it withdrew plus the late penalty fees I had to pay due to their negligence.

Company response to consumer: Closed with explanation