vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-20 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: National Credit Adjusters, LLC
State: TX

Complaint narrative:
On XX/XX/2019, National Credit Adjusters ( NCA XXXX added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold to multiple companies. I am not responsible for this account. I have attempted to dispute this information numerous times with all credit bureaus as an attempt to receive correspondence from the debtor with more information. The 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 that it belongs to me. According to the FCRA, National Credit Adjusters ( NCA ) has violated my rights as a consumer and I am requesting legal action to remove this account immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
XX/XX/20 XXXX : Dad & I went to Bank of America XXXX XXXX XXXX & met in-person with XXXX XXXX ( Manger ) to transfer funds from his Saving Account to a new Checking Account under my name ( I am responsible for nearly all his financial matters -- POA ). The above handled the whole transaction of nearly {$22000.00}. I have the paperwork & deposit slip. 
XX/XX/20 : I received 1st statement of new account. Beginning Balance : XXXX ; Withdrawals/Subtractions : XXXX ; and Ending Balance : XXXX. Attempted to contact anyone at BofA by phone & email -- no response. Called the XXXX number on the statement -- found that Dads Savings Account had XXXX  dollars & the new Checking Accoiunt also had XXXX dollars. 
XX/XX/20 : Attempted to contact BofA again by phone & email -- no resaponse. 
XX/XX/20 : Attempted to contact BofA by phone again -- no response. Later that am I had a voice mail from Manager -- does NOT know what happened to the money, how, or why. This was verified by me by phone -- I was told 'check-is-in-the-mail '. 
Neither Dad nor myself have received any communications from BofA by phone, mail, email, text. Nor do we know what happened to the nearly XXXX XXXX dollars. Neither of us has received any 'check-in-the-mail '. 
I believe an outside investigation needs to be done -- XXXX XXXX dollars is alot of 'missing ' money that can NOT be accounted for by BofA XXXX Since we were there in-person there should be video available. 
I would appreciate it if you could look into 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 2020-11-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: KBHS Home Loans, LLC
State: AZ

Complaint narrative:
Kb homes issued a pre-qualified that tied me up for months on a home they couldn't close now is priced XXXX higher than before. Now all homes are priced higher as a result of there negligence and I took a big lost.. they should have been honest from the start about the inability to close the deal they had very poor communication and I did everything in my part to make it possible. They kept telling me that the loan was okay and everything was fine to in the end canceling purchase.

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 2020-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I've been trying to unfreeze my Equifax account but is unable to do so online or via phone. I have my credit frozen due to Identity theft and these companies inability to secure information. I've always been able to do this online or via phone but for a couple of months now, I am unable to unfreeze my account either way. 
XXXX, XXXX it tells me to call XXXX to be able to log in. I've been logging in for years with no issue. I have then called at least XXXX times but each time, they have a different excuse from the database is being updated, please call again or I'm transferred to multiple people. No one could figure it out. I then called again today and talked to XXXX who said he can't find my account even after I verified all my information from my SS #, address, DOB, etc and he now wants me to send a copy of my ID, etc since he can't find my account in their database. I asked if the information to verify my account is available online but he said he can just tell where to send to this info. I explained that I need to check online and do just send a copy of any of personal information anywhere especially after being a victim of Identity thefts. 
I could really use some help since I'm at my frustrated on how to get this credit reporting agency to get their act together. I am unable to unfreeze my account and obtain credit. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 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: CCS Financial Services, Inc.
State: OR

Complaint narrative:
On XXXX XXXX, 2020, CREDIT COLLECTION SERVIC add a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA CREDIT COLLECTION SERVIC has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XX/XX/XXXX I was denied credit due to a newly reported, erroneous item on my credit report. I immediately used XXXX and XXXX online to get a free copy of the report and initiate a dispute directly with those services. 

TransUnion appeared to not have a way to do this, so I tried to get a free report via the XXXX but I somehow failed the verification process. After more XXXX I thought I found how to request directly from TransUnion and it made me create an account and provide a credit card number though didn't say what would be charged. Of course I passed their verification. 

Upon login it appeared I had been signed up for a XXXX XXXX/month service without my knowledge. I completed the dispute on my credit report, requested cancellation of the service which only provided cancellation of the auto-renew. 

After speaking with " XXXX '' in their overseas 800-customer service center he immediately said he would cancel the first charge on my credit card and insisted there was a way to sign up for a free account online that did not require a credit card number. 

A quick web search indicates that TransUnion has a history of doing exactly this and has agreed on a number of occasions to stop this deceptive process. They have not.

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 2020-11-20 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My official complaint is against Experian, XXXX and XXXX. 

I submitted in XXXX for inaccurate reporting to be removed as a result my company has suffered injurious financial harm. 

To avoid hefty attorney fees for a lawsuit which I will Win. IM CURRENTLY WAITING ON A recorded call where I absolutely 100 % understood of a WARNING I RECEIVED from an XXXX agent that made it SO CRYSTAL CLEAR TO ME upon getting on the Second chance program A LATE PAYMENT WILL STILL REPORT ON MY CREDIT UNTIL XXXX. I need to have the recording WHERE I 100 % AGREED TO THAT STATEMENT ... ... IT NEVER HAPPENED ... ..From my understanding I paid to get CURRENT, my credit restored because lates were put on the back of the loan. Which is the RIGHT THING FOR XXXX/XXXX TO DO IN A GLOBAL PANDEMIC. I disputed the late payment and made ON TIME PAYMENTS the loan itself was REMOVED OFF MY CREDIT AFTER MY DISPUTE IN XXXX. 
It mysteriously resurfaced XX/XX/2020 and XXXX/XXXX informed me they had nothing to do with its removal. So if Experian removed it. On what grounds did they remove it WITHOUT XXXX/XXXX  PERMISSION? 
PLEASE REVIEW ATTACHED DOCUMENTS OF THE INACCURATE PAYMENT AMOUNT which by LAW ALL REPORTING MUST BE ACCURATE WITHOUT COMPLETE ACCURACY the reporting must be REMOVED. XXXX CAN NOT PRODUCE AN ACCURATE {$98.00} PAYMENT STATEMENT SO WHY WAS THE REPORTING NOT REMOVED IN XXXX. This is INSANITY. MY COMPANY IS IN A {$10.00} XXXX DOLLAR RAISE. I PAID OFF XXXX AND I WANT THE NEGATIVE INACCURATE PAYMENT HISTORY REMOVED OR WHO AM I TO SUE EXPERIAN OR XXXX FOR {$100.00} XXXX DOLLARS? SHAME ON ALL COMPANIES FILING LATE REPORTING DURING THE 2020 PANDEMIC KARMA WILL GET YOU 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 2020-11-20 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: UT

Complaint narrative:
To Whom it may concern. It appears that numerous violations of the Consumer Protection Act may have occurred in connection with a debt Portfolio Recovery Associates has purchased from a creditor and has attempted to collect from me. The violations are as follows : Portfolio Recovery Associates continues to report debt to the credit bureaus that is too old to report as prohibited by the Fair Credit Reporting Act. The purported debts day of first delinquency occurred more than 7.5 years ago. The tradeline should be removed from my credit report. 
Portfolio Recover Associates may have retaliated against me for exercising my rights under the Consumer Protection Act when I disputed the debt in accordance with the FCRA in 2019. When I disputed the debt for being too old with XXXX  in 2019, instead of removing the tradeline due to age, Portfolio Recovery Associates updated the report to extended the date the derogatory trade would stay on my credit report by an additional ~1.5 years without explanation.

Portfolio Recovery Associates continues to violate the Telephone Consumer Protection Act by contacting my cellular telephone with an automatic telephone dialer without my prior express consent. 
Portfolio Recovery Associates has violated the Fair Debt Collections Act by placing telephone calls to my telephone before XXXX local time. 
Portfolio Recovery Associates may be in violation of Regulation Z by reporting the debt as late every month to the Bureaus without providing periodic statements within 21 days before payment is due.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION
State: PA

Complaint narrative:
My mother and I have reached out to Sallie Mae several times with no help. My loans were taken out when my parents were married they are no longer my mother is the co signer and neither of us can afford the payments on these loans. We reached out to them and the only thing they said they can do is offer a forbearance for 6 months and charge me to do it. We are unable to refinance these loans because instead of the balance going down it continues to climb with some of the rates being over 12 % I borrowed a total of XXXX that has turned into XXXX with making payments for 6 years. I am desperate and need help and these lenders especially now are predatory and not helping at all. I also cant release my mother from being a cosigner so this is affecting her as well. Please Help they call at least 10 times a day from different numbers to collect something we dont have and have told them this cant even find my loan agreement on the website

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC
State: PA

Complaint narrative:
They promised that my credit score will rise after mailing my inquiries to all the companies they to me to mail..my credit score is still the same score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Zarzaur and Schwartz, PC
State: AL

Complaint narrative:
XXXX XXXX and zarzaur & Schwartz PC ARE ATTEMPTING to garnish my wages when I wasnt served proper paper work and I have put in a dispute through XXXX XXXX  and when I asked for the original signed contract they were not able to provide it

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
On XX/XX/2020, I mailed a letter requesting investigation of inaccurate accounts that I saw on my credit report. It's been over 2 months and I still haven't received a response.

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 2020-11-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I, the consumer, disputed this debt in XXXX of 2020 with XXXX XXXX XXXXXXXX After an investigation, the credit bureau concluded that these accounts were incorrect, and sent notification to Midland Credit Management to cease reporting and trying to collect the erroneous account information. Despite notification and removal of the errors by XXXX XXXX, Midland Credit Management has continued to report the erroneous information to other credit bureaus, attempted to collect, and has continued to operate in violation of the Fair Credit Reporting Act, ss611.5Ai. I have resubmitted documentation to MCM, per their reluctant suggestion and would like the assistance of the CFPB in resolving this gross negligence in credit reporting. 

MCM Account numbers : XXXX, XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have checking and savings accounts with CapitalOne360, and online financial service for which I wanted to link an external bank in order to transfer funds between accounts. This has proven to be impossible due to poor systems used by the bank and live agents who can not resolve the issue. I just tried to transfer $ from my external bank, XXXX and the system would not allow it although it showed " already linked ''. I have spoken with two different agents and neither one could resolve the issue to transfer me to a supervisor

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 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: TX

Complaint narrative:
I have disputed an account on my credit file back in XX/XX/2020 that is showing up on Transunion only, and Transunion has failed to removed this fraudulent account off my credit report. As I have stated to them that is account is not mines and I didn't open this account. This account was apparently open without my consent. If Transunion can not provide me with the evidence from the creditor- XXXX XXXX XXXX XXXX XXXX That I Ms. XXXX XXXX willingly and knowingly authorize to open up this account, then Transunion need to remove this from my credit file. Why will I open up an account that gave me a {$13000.00} credit line and then close it 2 days later if I had indeed legally authorized this account to be open? ....

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 2020-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NH

Complaint narrative:
XX/XX/2020 Card purchase CASH APP*CHRISTIAN XXXX CA XXXX {$1000.00} Details Description : Card purchase CASH APP*CHRISTIAN XXXX CA XXXX Date : XX/XX/2020 Type : Debit I had an agreement for a rental that was sent with an agreement to sign. I discovered after that the rental was not autherized to be used under this person. They had me pay with XXXX and I issued a return within XXXX hours of doing so but the user declined. I never recieved this rental and I called my bank to dispute that very next day. The just now issued a credit reversal saying they can not confirm because of a XXXX party. I called police and gave them all the details as well. The user name was XXXX for XXXX. XXXX user - craigslist XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
Midland funding and XXXX XXXX XXXX XXXX ARE ATTEMPTING to garnish my wages when I wasnt served proper paper work and I have put in a dispute through XXXX XXXX and when I asked for the original signed contract they were not able to provide it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I, the consumer, disputed this debt in XX/XX/2020 with XXXX , XXXXXXXX After an investigation, the credit bureau concluded that these accounts were incorrect, and sent notification to Midland Credit Management to cease reporting and trying to collect the erroneous account information. Despite notification and removal of the errors by XXXX XXXX, Midland Credit Management has continued to report the erroneous information to other credit bureaus, attempted to collect, and has continued to operate in violation of the Fair Credit Reporting Act, ss611.5Ai. I have resubmitted documentation to MCM, per their reluctant suggestion and would like the assistance of the CFPB in resolving this gross negligence in credit reporting. 

MCM Account numbers : XXXX, XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-20 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
It was at the beginning of covid things were shutting down. I thought I had found a job but had to interview first. So the person said to talk on XXXX XXXX. It seemed legitimate he paid off my credit card or so I thought. The next day he had me go get a gift card from XXXX for XXXX $ and send him pictures of the card. I did as asked when I realized it was a fraud I had looked into the card online and saw charges for XXXX XXXX. I called capital one and they said they cant do anything about it that even though I was scammed it was my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
for the past 8 or 10 months Suntrust bank has either mismanaged my payments made by phone or can not give me a clear understanding of the interest charges on the loan. I complained to the NC banking commission about all of the issues but it seems they only refer it back to the bank to call or send me documents- not what I would expect from a regulatory agency. 
The latest phone call in response to my complaint came two days ago from this phone number XXXX XXXX. A female called to let me know she is sending a letter in response to my complaint, and when I pressed her to give me details about the letter she couldn't answer- another sign of a bunch of incompetent people posing as bank officials withouth having a clue what they're doing and certainly not serving their customers

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