vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-18 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: ME

Complaint narrative:
In XX/XX/XXXX we received a response from XXXX XXXXXXXX XXXX ( " XXXX '' ) concerning the length of time the company reported a negative item on our credit reports. I have attached a copy of the company 's response. We submitted a complaint to your agency on XX/XX/XXXX and XXXX responded that this is a duplicate inquiry. However, this is a new complaint. XXXX confirmed that the negative item ( late payment ) first appeared on our credit reports in XX/XX/XXXX. 

According to Section 605 - 15 U.S.C. 1681 c ( a ) ( 1 ), ( 4 ), ( 5 ) and ( c ) ( 1 ) ( Fair Credit Reporting Act '' ) an adverse item shall not remain on a report for more than 7 years beginning on the date it was first reported. We are now past the 7 year period and BoA continues to report the negative item on our credit reports. When we filed our initial complaint in XX/XX/XXXX, the 7 years had not fully lapsed. We are now over the 7 year mark and the negative item remains on our credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc.
State: NY

Complaint narrative:
I've disputed this debt collector 's charge of 1., I never opened an account with this debt collector on XX/XX/2018, 2. I already have the original creditor XXXX on my credit report for the same amount. 3. This XXXX failed to validate ownership by bill of sale. This debt collector is placing false information on my creditor report. 
Account Details Last Reported XX/XX/2018 Collection Agency EOS CCA Original Creditor 10 XXXX Status Open Opened Date XX/XX/2018 Closed Date -- Responsibility Individual Balance {$1700.00} High Balance {$1700.00} Remarks Account information disputed by consumer, meets FCRA requirements

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I learned looking at my recent credit report from Equifax that an account that had been deleted off of credit file as reappeared. I received no notice from Equifax stating that this account would be placed back on my file. This account was disputed in 2017 and was removed in 2017. The account from XXXX XXXX and XXXX XXXX was removed then reappeared without anything being sent to me is against the law. This happened when I called Equifax. They had two accounts for me then they combined them and now it separate again. I would also like that to be fixed as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
A company I paid off in XXXX named Portfolio Recovery Associates ( they were called XXXX XXXX at they time ) continues to call me from phone number XXXX. I have called this company 5 times and was told my name is not in their system as owing any money to them but I continue to receive calls. I even had them send me a paid in full notice to prove I don't owe them anything. On XX/XX/XXXX at approximately XXXX I received yet another call. I called the company back and spoke to XXXX XXXX who told me they have no record of their system calling me but she found my phone number ( XXXX ) under someone else 's name. XXXX made it sound like I was lying about receiving the call. This has become harassing because I work from home and the calls disrupt my daily workflow when I'm on conference calls. 
Please help, I don't know what else to do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Caliber Home Loans, Inc.
State: PA

Complaint narrative:
I am a customer of Caliber and have been for XXXX XXXX years. I need to express my disappointment and reach out to you regarding an issue I am hoping you can correct. 
We purchased a home back in XXXX of XXXX. We applied and were approved for a 30 year mortgage. 5 days before we closed we received a call to let us know our score dropped due to the consultant pulling out credit too many times. XXXX to be exact and needed to come up with XXXX or go to a 15 year mortgage to be approved. 
We accepted the 15 year and have been making payments on time ever since. Recently we ran into some medical issues for our son and contractor issues. Because the payment has us on a pretty tight budget we wanted to see what Caliber could do for us. They suggested we apply for a forbearance. We were approved for 6 months and a lower payment. The paperwork was confusing so we called to find out what this would do to our credit. We have a stellar payment history and did not want this to affect it. 

We were told by several associates that it would show up as a forbearance not a XX/XX/XXXX etc day late. We were told it would not impact our credit that way. We decided to do it. Made our first payment and were reported 30 days late. 

We have acquired the money to get caught up and we are canceling our forbearance and paying the balance this week. I want caliber to remove this 30 day late due to the incorrect information given to us by your staff. We would have never entered into this agreement if we were given correct info. 

XXXX ID XXXX was one of the reps we spoke to last Wed. 
We also had a recent issue with our XXXX fees not getting paid. We have been chasing caliber since XXXX. We have XXXX late fees with our XXXX company. We finally received a letter saying it was paid. The amount of {$48000.00}. Our HoA fees are {$180.00} a year!! They paid someone elses bill out of our escrow. Im furious. 
Im so disappointed in this company. There seems to be issue after issue. 
I want this late removed!!! 
I have emailed and Am waiting on calls back from supervisors in customer service but they never respond. 
Caliber is an unethical and not looking out looking out for their customers best interests.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-18 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:
XXXX XXXX Sent letter To you CFPB Case # XXXX Please check it, Portfolio recovery I sent letters 4 times disputing this as not mine to all 3 CRA and to portfolio Recovery enclose the letter from XXXX  XXXX stating not my account and bought it back from portfolio recovery the 3CRA investigated 4 times claiming portfolio recovery verfied account even tho they all received that letter for them to state they had no idea is false portfolio recovery CFPB case # XXXX states this. In my email reply to you CFPB MOnday XX/XX/XXXX XXXX pm Are 2 pdf response to this claim I am making now PDF XXXX XXXX you closed my case so I file another My rights are being violated and I feel there should be fines imposed for this 6 month fight i have been going through as a consumer they have damaged my credit embarressed me and my family I even wrecked my car thinking about this dispute the emomtional efects its had on me I want this removed NOW they have did enought damage .I have shown they were stalling and playing games

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
You are hereby under provisions of Public Laws 95-109 and 99-361, also known as the " Fair Debt Collections Practices Act, '' notified that your services are no longer desired. 

You and your organization must CEASE & DESIST all attempts to collect the debt. Failure to comply with this law will result in my immediately filling a compliant with the Federal Trade Commission and the Texas Attorney General Office. I will pursue all criminal and civil claims against you and your company. 

Let this letter also serve as your warning that I may utilize telephone recording devices in order to document any telephone conversations that we may have in the future. 

Furthermore, if any negative information is placed on my credit bureau reports by your agency after receipt of this notice, this will cause me to file suit against you and your organization, both personally and corporately, to seek any and all legal remedies available to me by the law. 

Since it is my policy to neither to recognize nor deal with collection agencies, I intend to settle this account with the original creditor. 

Lawyers acting in the capacity of " Debt Collectors '' three or more times a year are considered " Debt Collectors. ''

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 2018-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc
State: CA

Complaint narrative:
a collection Agency ( Hunter Warfield ) tries to collect a Debt from a Company ( XXXX XXXX ) that doesn't exist and failed to verify the Debt to my person! The company still threatens me and damaged my Credit

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
On XX/XX/2018 I have shown proof to all three credit bureaus that thechapter XXXX bankruptcy was reported in accurately and i get a response stating they have verified this in XX/XX/2018 which isnt possible because the bankruptcy information to call to find out is the wrong number. I also asked whom did they speak with to verify this information XX/XX/2018 and i didnt get a valid response. Also, I have sent in proof that XXXX XXXX is reporting i owe XXXX dollars when i only had a credit card with them for XXXX and I dipute to have that removed XX/XX/2018 and the credit bureaus wont remove it. On XX/XX/2018 I also dispute the fact that XXXX XXXX and capital one were sold accounts and they are still reporting late payments which shouldnt be. Im trying to clear these things up to try to get a home eventually. Also, I just disputed XX/XX/2018 that the new chapter XXXX dates are all wrong and its not reporting accurately and Its no way they have verified thisw information with the courts because I myself couldnt speak to a person. The law states you have to speak with a indivdual to verfiy the information being reported and im just being toss aside.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Lloyd & McDaniel, PLC
State: KY

Complaint narrative:
I received a wage garnishment notice, but this was the first I had heard about it. The company had my wrong address the whole time. I contacted them to stop the garnishment and set up payments once I found out what was going on and they refused to work with me, even though they had the wrong address the whole time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX ACCOUNT # XXXX I have been completely ignored by these companies when it pertains to my rights as a consumer so concerning my credit so I decided to file ANOTHER COMPLAINT to provide that my rights are being violated. I am no longer able to file disputes on their websites so I have to send all of my disputes in to XXXX, Exquifax and XXXX. This account as been disputed mulitple times for inaccuracies and ALL 3 BUREAUS HAVE MULTIPLE -INFORMATION THAT IS INACCURATE AND UNVERIFIED. Yet they have all said that in previous disputes where I have certified reciepts that this was verified as accurate. Did they all contact different companies? 
-DOFD IS NOT CORRECT. 
NO HIGH BALANCE OR INACCURATE AMOUNT EQUIFAX EVEN HAS A MONTHLY PAYMENT REPORTING ON AN ACCOUNT THEY ARE REPORTING IS SOLD TO ANOTHER PARTY. 
LAST PAYMENT RECEIVED IS ALSO INCORRECT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX ACCOUNT # XXXX I have been completely ignored by these companies when it pertains to my rights as a consumer so concerning my credit so I decided to file ANOTHER COMPLAINT to provide that my rights are being violated. I am no longer able to file disputes on their websites so I have to send all of my disputes in to Experian, XXXX and XXXX. This account as been disputed mulitple times for inaccuracies and ALL 3 BUREAUS HAVE MULTIPLE -INFORMATION THAT IS INACCURATE AND UNVERIFIED. Yet they have all said that in previous disputes where I have certified reciepts that this was verified as accurate. Did they all contact different companies? 
-DOFD IS NOT CORRECT. 
NO HIGH BALANCE OR INACCURATE AMOUNT XXXX EVEN HAS A MONTHLY PAYMENT REPORTING ON AN ACCOUNT THEY ARE REPORTING IS SOLD TO ANOTHER PARTY. 
LAST PAYMENT RECEIVED IS ALSO INCORRECT.

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 2018-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/2018 I have asked Transunion to please updated my address with only the address listed on my drivers license. And yet there are still addresses I dont recognize o n my report. Please help me in getting the only address listed on my valid license listed on my credit 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 2018-09-18 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
We submitted a valid payment to our account, as we have since we opened the card. The bank has suddenly decided that they have a new policy of not crediting valid payments for some indeterminate period of time ( each time I call I get a different number of business days ). They have independently and manually verified, with me on the line, that the payment is valid, but have continued to shrug and tell me that despite possessing thousands of their dollars, their new policy does not allow them to credit the payment to our 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 2018-09-18 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: OH

Complaint narrative:
On XX/XX/XXXX I purchased a bike from XXXX XXXX XXXX in california. On XX/XX/XXXX I contacted XXXX  XXXX XXXX and requested a full refund. They told me by email that it would take 24 to 48 business hours to process. Than I got another email saying that it will be 7 to 10 days. I waited than I co tacted netspend and they informed me that they didnt receive the right information to release my funds. So I got what they needed and contacted XXXX  XXXX XXXX. They said we have sent numerous emails and faxs to the company. Finally on XX/XX/XXXX my fiance called netspend and spoke to a supervisor and did a three way call to XXXX XXXX XXXX and had a supervisor on the line ... the netspend people told XXXX  exactly what to do. XXXX said they have done this so many times and will do it one last time. Unfortantley, i received an email that says the documents we received was not an approved document. My fiance called netspend today, 3 weeks later and netspend customer service said the document is being reviewed ... .I ont understand why they just cant contact each other via phone and take care of this matter once and for all.

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 2018-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Portfolio Recovery Associates/Services ( goes by either name ) has been illegally re-aging a collections account on all three of my credit reports ( XXXX, XXXX, and XXXX ). Although I dispute the validity of the underlying debt ( related to an old incident of identity theft ), I note that the underlying account 's date of first delinquency was some time between XXXX - XXXX, and therefore rapidly approaching the point at which it would be removed from my credit reports regardless of its validity. 

Portfolio Recovery has re-aged this account to reflect it as having opened in XXXX, thereby extending the credit reporting time limit by 3 - 4 years -- effectively doubling the legally allowed credit reporting time limit. I have repeatedly requested that Portfolio Recovery rectify this matter to no avail ; Portfolio Recovery has ignored my requests and continues to fraudulently misrepresent my account information. 

IN ADDITION, Portfolio Recovery represents this account as an " open '' installment account. This is patently untrue. It is a severely aged charge-off that Portfolio Recovery purchased the rights to. 

Portfolio Recovery is grossly non-responsive to requests to remediate the matter and is only reachable when they are harassing myself or family members and associates in aggressively attempting to collect on this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: DC

Complaint narrative:
I am receiving debt collection calls every day from PayPal Credit to pay a debt that I incurred when making a {$3000.00} charitable donation through PayPal. The donation was intentionally made on XX/XX/2017 and was not fraudulent. However, I have been disputing the nearly {$500.00} in finance charges and fees that accrued during a 6-month XXXX percent interest period and that continue to accrue while I work towards a resolution. The current balance is XXXX. I have spoken with PayPal Credit 's disputes department and, as suggested by the disputes department, written a letter to PayPal Credit to try to resolve this. Their responded by email and said that their review was completed, but offered no other explanation. In reviewing my balance since then, no finance charges have been removed and new finance charges and fees have accrued. 

I am disputing this because I never intended to use PayPal Credit to make the donation. As is always my intent, I intended to use the credit in my PayPal balance. I presume that I may have accidentally used PayPal Credit since there is hardly a distinction on the PayPal app between the two.  They use almost the same logo and " PayPal Credit '' sounds exactly like it is a credit on my PayPal balance. 
This is the first and only time that I have ever used " PayPal Credit ''. After asking about my history with this line of credit they informed me that they used to be called " XXXX XXXX XXXXr '' and that I opened the account at a time when they were still using the name " XXXX XXXX XXXX  ''. At some point, they switched their name to " PayPal Credit '' and kept my account open, which explains why I did not even know that I had a line of credit with PayPal Credit. 

I suspect that part of the reason why they changed their name and logo to mimic that of PayPal the service was so that they could mislead customers into using PayPal Credit thinking that they were actually using a credit on their PayPal 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 2018-09-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/XXXX I ordered a bedroom set from Kohls. I received everything but the dresser that for some reason never shipped. I have contacted Kohls repeatedly to get a refund for the item. They have opened multiple tickets to investigate and keep coming back saying yes you never received it, we will issue a refund. I am told anywhere from 2-7 days and I never get it. I have made multiple phone calls as well as emails communications over this issue. I called again today and was told they will not issue a credit until the third party vendor they used says why they didn't ship it. I don't care why they didn't, they didn't and I want the money back. The items was XXXX. During one of the calls I told them I still need a dresser so they placed a 2nd order for the item again at XXXX. I did receive the 2nd one and was told at that point I would get the credit back for the 1st about the same time I got the 2nd dresser. Again this has been going on since XX/XX/XXXX and as of today there is still no refund. Here are the dates I have called, I believe there are a couple more early in the process but honestly didn't think I needed to be to tracking that closing. 
XXXX, XXXX. Email communications are from XXXX thru XXXX.

Company response to consumer: Closed with monetary relief