vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-20 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: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I tried to correct payment with a credit card company belive it was XXXX. They couldn't retrieve or find an account they keep transferring me to different departments only to be told the same thing. Theirs a charge showing on collections for this charge. This charge keeps hurting my credit when i tried to straighten out. They should pull this charge from my account since they cant locate one never should have been sent to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lending Club Corp
State: TX

Complaint narrative:
The Lending Club NA has been reporting a Negative Record on my FICO report through XXXX XXXX, XXXX  and XXXX for a Charged Off amount of {$10000.00}. It was most recently updated by them in XX/XX/2021. This is hurting me tremendously by way of this negative record lowering my credit score, while I am trying to refinance my home. 

I have made attempts to contact them at XXXX XXXX XXXX XXXX. In my effort to gather details about this, agents at this phone number are stating that they do not have a record of this account because it has been sold to a company called XXXX. They provided a phone number of XXXX to gather details. When i called this company, they informed me that this account is NOT KNOWN to them. 

This is extremely frustrating. An account of this size reporting as a NEGATIVE to all three credit bureaus, is causing me great harm and needs to be DELETED FROM MY CREDIT REPORT AS QUICKLY AS POSSIBLE. 

These debt sellers and debt purchasers should not be allowed to abuse consumers in this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland Credit has been reporting this Collection Debt on my XXXX Report through XXXX XXXX, XXXX  and XXXX for an amount of {$5800.00}. The XXXX XXXX is XXXX XXXX XXXX. When I was last contacted by XXXX XXXX XXXX  my balance was about {$2400.00} XXXX not sure the exact amount but not more than {$2500.00} XXXX. 

Midland Credit is reporting that I owe {$5800.00}. This is incorrect. In my efforts to get them to accept a settlement for the amount I owed the original creditor, they continue to refuse to accept this amount. Additionally, on my FICO report, the show XXXX XXXXXXXX XXXX  as the Original Creditor when reporting to XXXX XXXX and XXXX  ; however, they put themselves as the Original Creditor on my XXXX. Not sure why they are claiming to be the Original Creditor but that is not true, nor accurate information. THIS IS HARMING ME AND MY FAMILY BY WAY OF LOWERING MY CREDIT SCORE. 

Creditors are not allowed to report incorrect information ; yet, Midland has been doing it for months ' on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: MA

Complaint narrative:
I woke up on XX/XX/2021 to check my account for my direct deposit only to find that I couldnt log in because it says it has been closed. They say my money will be sent to me within 30days but others whove had the same happen to them recommended to file with CFPB because of delays and attempts to not return money. They closed my account with almost no Pre warning or explanation. Im filing to ensure that all of my money is returned to me in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: OH

Complaint narrative:
I canceled my cellular service with XXXX XXXX XXXX in XX/XX/2020, I was contacted in XXXX regarding the debt and have been trying to work with them on settling the debt for a lesser amount, the bill collector has refused numerous tips to settle this debt. I dont feel that I should pay the full amount because I can disconnect the service due to false bills, poor service and them not meeting the standards that they set for when I first got the service.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paradigm Assets, LLC
State: CT

Complaint narrative:
This company adds a negative credit remark to my credit saying I owe them {$6000.00}. I contacted the company they had incorrect contact information and I disputed the account that I knew nothing of. I explained to them I had no knowledge of the account and they stated it was my problem. I asked for the account to be removed from my credit as it was not mine. They promised theyd send me written information and have not as of yet. They stated it had my name on it snd it was my issue and to make payment arrangements with them. I explained to the rep it was not my account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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: EQUIFAX, INC.
State: SC

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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: LA

Complaint narrative:
On XX/XX/XXXX, my Experian XXXX score dropped XXXX points. Nothing had changed except that I had filed a dispute against a lender for reporting over 90 days of missed payments for the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. My chapter XXXX bankruptcy was filed on XX/XX/XXXX, so this company should not have reported missed payments during bankruptcy. Experian did not take the time to compare its own data. After the dispute, the lender removed the missed payments, but reported that my bankruptcy occurred in XXXX of XXXX instead of XXXX of XXXX. This recent delinquency dropped my XXXX score by XXXX points. I am in the middle of negotiations for obtaining a mortgage, and this incorrect reporting could ruin my chances. Experian did not compare its own data before dropping my credit score. Additionally, Experian uses potentially missed payments as an excuse to drop scores. A couple of my previous lenders reported the XX/XX/XXXX Chapter XXXX bankruptcy, and Experian is counting each of those as a potentially missed payments. This is lowering my score. The report already includes the public record of my bankruptcy, why should each creditor get to lower my score even more?

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 2021-05-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
A collection company by the name of Bridgecrest have taken over a car loan that was bought at a company name drive time, at the time the loan was taken I was serving overseas in the military, apparently my son who went to purchase a car basically thought it was ok and used my documents together with his mom to purchase the car, the report since then have fallen of his credit, under no circumstance I should be responsible for something I have no knowledge about or was in the environment at the time it happened, Im asking that everything be done to assist me in having them delete that from my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am writing this letter to inform you of the Bankruptcy inaccuracies, HIPPA Violations, inaccuracies, errors, and Violations on my consumer report. I mailed the letters to the Bureaus ( transunion, equifax, experian ) on XX/XX/XXXX, 2021/XXXX XXXX, 2021/XXXX XXXX, 2021 and I have not received any response to this matter from XXXX, XXXX nor Experian. They havent responded nor input a Notice of Dispute within the 30 day time frame. Please assist in getting this matter resolve because they have not replied within 30 days. As a result, thats a violation. Thats protection under the FCRA Section 623 and that {$1000.00} fine.

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 2021-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: OR

Complaint narrative:
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Netspend Corporation
State: VA

Complaint narrative:
On XXXX XXXX, I received an email from Netspend XXXX by XXXX. The subject header on the email was Your account materials were returned. After reading the email I instantly became alarmed that my identity may have been stolen and someone was attempting to open an account in my name. I immediately forwarded the email to XXXX and Netspend XXXX customer service to inform them that I have never tried opening an account with either of these companies. I requested that the companies validate the legitimacy of the communication because it was either fraudulent activity or a phishing attempt. 

Netspend took 10 days to reply and brushed my concerns off by saying it was just an attempt at offering me an account. Then, had the audacity to ask me to chat about opening an account with their company with shady business practices. 

The original email was misleading and provided a false sense of purpose for contacting the two companies. If I had done what they requested in the email an account may have been opened in my name and because it is a prepaid card somehow the company would have likely tried to get money out of me on false assumptions. 

I request that CFPB investigate the marketing and advertising practices of this company to protect financial consumers across the country from this companies poor business practices.

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 2021-05-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
We have had our mortgage with Suntrust since XXXX and have never been late on a payment. We had moved money from our XXXX XXXX account on XXXX in the amount of {$4400.00} account to our SunTrust bank account. Are mortgage is to be pulled automatically of {$4300.00} and it had been set up that way since inception. They never pulled are mortgage even though there is a 15 day grace period and it was setup on auto payment. They claim auto payment tries once and then they cancel auto payment. 

In there response to us, they had emailed us to two different email addresses that were not accurate even though we had changed our information through the bank, they never updated our email information with Suntrust mortgage. They claim they emailed us at : XXXX where she hasn't worked since XXXX and XXXX which is my email and I parted ways with the same bank in XXXX meaning they knew I wouldn't receive that email. 

Those emails per them were not sent until XXXX XXXX when there would already be a 30 day late payment meaning Suntrust didnt try to actual call there clients and let them know that they stopped the auto payment that has been fully working properly from XXXX. 

I emailed XXXX, who we were told is the head of suntrust mortgage, to try to have a conversation with him or someone in management and didn't receive any response from him or management. 

Then, On Friday XX/XX/XXXX, We got an email from CFPB that SunTrust closed complaint detailing the same information that they tried to notify us with wrong information of our correct email addresses. 

Then, an hour later, my wife got a call from SunTrust from XXXX, who said SunTrust was still working on this case even though we had gotten word from CFPB that they had closed it out. XXXX said he wasn't aware of any close out and would call us back later that day to see what is going on. 

This didn't happen and we never heard back. 

We then emailed XXXX a second time and left a voicemail with no call back or communication. 

We are now convinced that SunTrust didn't want, in good faith, to actually make things right with a client that has been with them with two different mortgages since XXXX. They are claiming that they tried to reach out and that will justify ruining a good client 's credit. 

If SunTrust bank would have updated our email addresses in XXXX with the mortgage department, we would have made the payment 10 minutes from it. But we didnt know the auto payment shuts off and we had no knowledge.

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 2021-05-20 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: MO

Complaint narrative:
I am writing this letter to inform you of the Bankruptcy inaccuracies, HIPPA Violations, inaccuracies, errors, and Violations on my consumer report. I mailed the letters to the Bureaus ( transunion, equifax, experian ) on XX/XX/XXXX, 2021/XX/XX/XXXX, 2021/XX/XX/XXXX, 2021 and I have not received any response to this matter from XX/XX/XXXX, Transunion nor XX/XX/XXXX. They havent responded nor input a Notice of Dispute within the 30 day time frame. Please assist in getting this matter resolve because they have not replied within 30 days. As a result, thats a violation. Thats protection under the FCRA Section 623 and that {$1000.00} fine.

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 2021-05-20 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I am writing this letter to inform you of the Bankruptcy inaccuracies, HIPPA Violations, inaccuracies, errors, and Violations on my consumer report. I mailed the letters to the Bureaus ( transunion, equifax, experian ) on XXXX XXXX 2021/XXXX XXXX, 2021/XXXX XXXX, 2021 and I have not received any response to this matter from Equifax, Transunion nor Experian. They havent responded nor input a Notice of Dispute within the 30 day time frame. Please assist in getting this matter resolve because they have not replied within 30 days. As a result, thats a violation. Thats protection under the FCRA Section 623 and that {$1000.00} fine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: AZ

Complaint narrative:
I had signed with XXXX XXXX for their services. After many lies from the company, I had to deal with the corporate office and they apologized and offered me services for one year at a reduced rate. After completing the year, my bill almost doubled and I contacted XXXX XXXX who was then going through XXXX XXXX XXXX. Again, apologies but never resolved. In XXXX, XXXX, I had to move as the condo I was residing in was sold and I tried to transfer my service. The new senior XXXX XXXX I moved to would not allow XXXX XXXX dishes and told me I had to go with XXXX. I transferred my services in XXXX, XXXX and was billed in XXXX, XXXX for {$54.00}. Despite numerous calls to XXXX XXXX XXXX and apologies, they continue to bill me and have now turned this account over to a collection agency, i.e. Credence Resource Management , LLC. I do not owe this bill. I was billed a month in advance and paid my bill, this bill was supposedly for XXXX, XXXX, at which time I DID NOT have XXXX XXXX  services. I did talk to a supervisor in XXXX and was told this would be taken care of, but still XXXX XXXX XXXX messages and now collection ... HELP!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MA

Complaint narrative:
EVERY single communication with Nissan XXXX, some of which are viewed by others in my email, begin with This is an attempt to collect a debt. My communication with them might have nothing to do with collecting a debt calling about a problem, trying to arrange a payment schedule on a certain day of the month, but every single time they say This is an attempt to collect a debt. This is in every voice communication with them and in every email. This is harassment and an invasion of my privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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: NJ

Complaint narrative:
There are a few accounts in my credit report that are invalid and do not belong to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
There are a few accounts in my credit report that are invalid and do not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BBVA FINANCIAL CORPORATION
State: KY

Complaint narrative:
BBVA recently acquired my previous bank, Simple on XXXX. I had tried removing my funds prior to this from Simple, but they had locked all funds from being transferred. On XX/XX/XXXX I began the process of transferring my funds from BBVA to another account, so I could close that account. On that day, I initiated a transfer of the maximum amount, {$5000.00}. I was told that this transfer would take 2 days to complete. Today, XX/XX/XXXX after 9 days have passed, this transfer is still showing up as " under review ''. I simply want to remove my funds from this bank I didn't choose and close the account, however for the last 4 days of calling this banks customer service line, I have received no help or solutions. I'll either spend hours waiting on the call line to get hung up on, or have to speak to someone that seems to have no clue what's going on. At this point, I feel like I'm being held financially XXXX by this unsolicited bank. I'm just lucky that I was able to set up my direct deposit to my new bank and transfer some small amounts to keep me afloat. I will here on out advise anyone I know to stay away from this bank. It seems to me what they're doing right now, is not only bad business, but frankly, it shouldn't be legal.

Company response to consumer: Closed with explanation