vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-10 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: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
I have a loan with XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ), XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX - XXXX ), and CB/XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ), XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX ), and CB/XXXX   with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 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: LendUp Loans LLC
State: MO

Complaint narrative:
I have a loan with LENDUP, XXXX XXXX, and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXXXXXX XXXX, XXXX, LENDUP, XXXX XXXX, and XXXX with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: WA

Complaint narrative:
I pray CFPB will investigate and put this wrongful foreclosure attempt to rest. Please read the attached letter for CFPB and all the documents after. 
Rushmore Loan Management Services ( RLMS ) is committing fraud, theft, perjury and extortion, in an attempt to foreclose on my property. 

They have neither mailed a certified letter, a phone call, or notice posted on my door every since they acquired the transfer of the alleged debt from XXXX XXXX XXXX who I have complained to the DOJ, FBI and Wa. State Attorney general RLMS violated the Fair Debt Collection Practice Act, Fair Debt Billing Act and countless other laws pertaining collecting debt.

Questions that need an answer 1 - I need to see the Wet Ink Original Note to see if the proper chain of title and endorsements 2 - I want the names, address and phone numbers of the investors that bought the note 3- UCC 9-210 ( e ) ( 2 ) provide mailing address and all assignee or successors 4- Verification and Validation of the alleged debt 5- Did RLMS pay to acquire alleged debt and how much 6- What contract if any must be provided to authenticate alleged debt 7- The amount of debt RLMS claim is owned

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 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: Bliksum, LLC
State: MO

Complaint narrative:
I have a loan with XXXX, LOANME XXXX, and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX, LOANME XXXX, and XXXX  with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 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: TD BANK US HOLDING COMPANY
State: MO

Complaint narrative:
I have a loan with XXXX, XXXX XXXX, and NORDSTM/TD. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX, XXXX XXXX, and NORDSTM/TD with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: MS

Complaint narrative:
This company has been notified on multiple occasions that the account balance is incorrect on this account. They have been notified through mail and verbally. These are direct violations of the FDCPA and the FCRA

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 2020-08-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
An accidental transaction occured with company XXXX where I have tried to work with them, but are completely unresponsive in this matter. 

An accidental booking occured on XXXX XXXX for XXXX. Which was for a booking on XX/XX/XXXX. I advised them this was an accident and I could not afford this charge. I spoke to the host of the listing, who was willing to refund me afteXXXX XXXX noted the cancellation. I cancelled on XX/XX/XXXX. However XXXX  never did note cancellation and every call I made to XXXX had " promised '' a call back I never received. 

As I do not have these funds. My bank denied the charge. However Paypal is constantly trying to withdraw this money where XXXX  has advised a " delivered service ''. This is not true, as it was cancelled before delivery. Where they refuse to cancel the charge. 

Paypal has closed my cases without my input.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I paid off my balance, with the agreement XXXX XXXX XXXX would report to all credit bureau. They report to only one. The account was resolved. They promise they would report, I'm unable to obtain credit because they failed to report to all credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 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: CITIBANK, N.A.
State: TX

Complaint narrative:
In XXXX, my father opened a credit card with AT & T Universal Citibank for his business. I was added as an authorized user when I became more active with his company to purchase materials, pay bills, etc. I was never responsible for the account or the balance due. According to my parents, the account was closed by my mother with a balance still owed in XXXX. I was told by a loan officer that ran my credit report that I have an AT & T Universal credit card with a large balance listed. After doing some research, I figured out it was my father 's card. The credit card company said they are not able to remove me as an authorized user on a closed account. They also explained that my name is not listed on the account, just my parents. This debt is not mine and its negatively effecting my score and my ability to buy a home. Please assist 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 non-monetary relief
Consumer complaint received 2020-08-10 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: Convergent Resources, Inc.
State: LA

Complaint narrative:
I have a loan with CONVERGENT OUTSOURCING ( Original Creditor : XXXX XXXX ), XXXX XXXX, and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, CONVERGENT OUTSOURCING ( Original Creditor : XXXX XXXX ), XXXX XXXX, and XXXX with no successful resolution. There was definitely an error on their part.

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 2020-08-10 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: AZ

Complaint narrative:
A collections notice on my credit report was reported to the credit bureaus on XX/XX/20 by Capital  Accounts. Unbeknownst to me, I was unaware of any such claim or attempt to collect a debt, and I never received any documentation from Capital Accounts stating I could dispute the collections claim or was I granted any proof of bill or records showing proof I was delinquent in payment to the original creditor. I do not owe any past due debt to the creditor. 

I disputed the collections notice on XX/XX/2020 with each separate credit bureaus and requested for Capital Accounts to submit proof of bill and any records validating their fraudulent claim. It has been nearly 60 days and I have yet to receive any notification of proof from Capital Accounts. I have attempted to reach Capital Accounts via telephone and receive their automated voice message. My most recent attempt in communication with Capital Accounts is XX/XX/20 and I have phone records to indicate this attempt. 

Upon investigating my account number on Capital Accounts website, under their records for my account they have my fathers private XXXX telephone number listed as my phone contact and my mothers personal email as my contact email. They have fraudulently stalked my family members personal information and have used this information to attempt to collect a debt from me that they have not provided any proof or validity of their claim. 

Capital Accounts is in violation of Fair Credit Act and Fair Debt Collections Practices Act. My parents are elderly and Capital Accounts business practices has caused my family great XXXX XXXX  with fear of potential identity theft being acted upon by the company. 

Capital Accounts has also begun to fraudulently add interest to the debt of which they have not provided any proof of records or billing from creditor or was I given due-process to dispute the collection claim, amount or validity prior to the credit bureaus being alerted. There is no contract or record of agreement from the creditor stating that interest will be accrued and Capital Accounts can not keep adding fraudulent charges that increase on my credit report. Capital Accounts is in violation of Fair Credit Reporting. 

I will not be a victim to Capital Accounts misuse of debt collections and practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 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: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
I have a loan with XXXX XXXX ( Original Creditor : XXXX XXXX ), SYNCB/CARE CREDIT, and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ), SYNCB/CARE CREDIT, and XXXX with no successful resolution. There was definitely an error on their part.

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 2020-08-10 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GLA Collection Company, Inc.
State: KY

Complaint narrative:
I have 6 Accounts with GLA Collections XXXX XXXX XXXX XXXX, Kentucky XXXX on my Credit Bureau Reports. I have expressed to them two other occasions where they did indeed remove the accounts. But without success I am unable to communicate to them that these six accounts are also under the exact situation with insurance as the two that were removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
XX/XX/2020 Amount : - {$4100.00} They Suspended my account after I received unemployment benefits from TN government

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ResidentCollect, Inc.
State: OH

Complaint narrative:
I have attached a copy of the letter I mailed off to Innovative Recovery over a month ago. I also have proof that they did receive my letter because it was sent certified mail and required a signature upon delivery. I have not received any response from them about the investigation regarding the alleged debt. They have avoided my CFPB Complaint that was submitted XX/XX/2020 as well as my letter I sent late XX/XX/2020. I feel that they have had much time to respond to either of these mediums, yet they have failed to make any contact whatsoever. They are ignoring my inquiries and I am just trying to get to the bottom of this situation because the alleged debt that is reporting on my consumer report is negatively impacting me, especially during this pandemic. They have not proved the account belongs to me and they have had about 2 months now to reply to me with the results of their investigation, which personally, I believe that they have not even considered to look into.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 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: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I been with American Express sence XXXX. America express has Destroyed my credit. By the COVID 19 program.. I enter in there program so I could catch up on my business loan. So I could pay down some bills ... they said they would consolidate all my payments into one payment for {$240.00}. They said it will report to the credit bureau 's as paid as agreed.This was a lie it's not true they report to the credit bureau 's as Partial payment. The credit bureaus perceives partial payment as late payment they gave me 30 day late and 70 late payment ... this is not true I payed my bills on time and never pay late ... American express drop my credit score from XXXX. To XXXX, that's not right and not fair I never been late paying my bills on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$8500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

2. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8500.00} -This is not my 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 2020-08-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Check into C XX/XX/2019 inquiry

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 2020-08-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I have a loan with XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, and BANK OF AMERICA. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, and BANK OF AMERICA with no successful resolution. There was definitely an error on their part.

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 2020-08-10 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: GA

Complaint narrative:
I have a loan with WELLS FARGO DEALER SVC,  XXXX XXXX XXXX, and XXXX XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, WELLS FARGO DEALER SVC, XXXX XXXX XXXX, and XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part.

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 2020-08-10 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I have a loan with XXXX XXXX XXXX XXXX, PORTFOLIO RECOV ASSOC, and XXXX XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, PORTFOLIO RECOV ASSOC, and XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I have a loan with XXXX XXXX XXXX XXXX,  XXXX XXXX XXXX, and NAVY FEDERAL CU. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and  NAVY FEDERAL CU with no successful resolution. There was definitely an error on their part.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I have a loan with BANK OF AMERICA, XXXX XXXX XXXX, and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, BANK OF AMERICA, XXXX XXXX XXXX, and XXXX XXXX with no successful resolution. There was definitely an error on their part.

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 2020-08-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XX/XX/2018 XXXX  XXXX  Did not show me proof 609 act They responded but no proof with my name according to the 609 act

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