vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified.

This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.

812. Furnishing certain deceptive forms [ 15 USC 1692j ] ( a ) It is unlawful to design, I HAVE ALREADY SENT YOU MY POLICE REPORT AND AFFIDAVIT. 

GIVING ME THE RUNAROUND WILL NOT WORK!! THIS WILL BE MY SECOND REQUEST FOR YOU TO SEND ME VALIDATION NOT VERIFICATION OF YOU PLUGGING NUMBERS WITH SOMEONE THAT STOLE MY IDENTITY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I sent a dispute to remove inaccurate information and the credit bureau still has not removed this information nor have they sent any proof to verify that this information is accurate.

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 2020-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Collections Enterprise, Inc.
State: MD

Complaint narrative:
On XXXX at XXXX EST I was contacted by American Collections Enterprises Incorporated by phone who told me they have a debt to collect and wanted me to provide personally identifiable information over the phone to them to verify my identity. I told them to mail me the information. They told me they needed to verify my identity before they could share any details of the debt. I tracked the original phone number to the company and called their publicly posted phone number at XXXX. Again they refused to discuss even mailing information about the debt to me until I provided PII over the phone to them. I told them " No '' to which they responded " When you're ready to pay you'll give us the information. '' I am unaware of any outstanding debt that I haven't paid. I have received no notice of outstanding debts.

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 2020-04-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
To TransUnion Escalation Department : I have contacted the following company reporting to my credit file and according to them, there has been no communication noted from TransUnion regarding these items. Out of an abundance of caution and in accordance with the Fair Credit Reporting Act I request the following : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] paragraph ( 6 ) ( B ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I am CLEARLY requesting the Method of Verification used to contact these furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt : ACCOUNTS XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX not mine XXXX XXXX not mine COLLECTIONS 11 XXXX XXXX not mine 12 XXXX XXXX XXXX XXXX not mine Identification already on file. Please sent me a complete updated copy of my credit report. Additionally, DO NOT place a fraud alert or promotional block etc. on my file without my expressed permission.

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 2020-04-17 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: TN

Complaint narrative:
THESE ACCOUNTS 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 2020-04-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX had a glitch in their system that is showing a closed account that has been in good standing now reflecting as a closed charge off and also duplicated. It shows twice as if it is two charge off collections. It has never been in collections nor was it ever a charge off. The account was closed after 4-5 months of failing to report timely zero balances that kept my score from rising. XXXX trust had no explanation nor understood why it was happening. That is another story. XXXX XXXX has confirmed that they have already reached out to all the Bureaus to advise them about the glitch. When I contacted XXXX XXXX weeks back they informed me that they will add me to the dispute. After a couple of weeks with no changes I called again to request a statement from XXXX XXXX so that I can speed up things on my end. They sent me the attached statement so that I could use for my reasons. I see no room for rebutting or investigating outside of verifying the branch, number and personnel listed in the document to reach directly and request whatever is needed from them. Account # XXXX. This account should be corrected immediately with the no late payments and no balance owed and can be confirmed with simply directly reaching out to the branch and speaking to anyone with access to 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 2020-04-17 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 went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. 

XXXX XXXX XXXX {$930.00} XXXX XXXX XXXX XXXX XXXX {$950.00}

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 2020-04-17 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: TX

Complaint narrative:
I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. 

XXXX XXXX XXXX {$930.00} XXXX XXXX XXXX XXXX XXXX {$950.00}

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 2020-04-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
XX/XX/XXXX I initiated a balance transferred Citi card Simplicity card. I noticed the balance was still on my previous card, so I contacted the previous card and was told Citi Card did not accept/process the balance transfer. I also contacted Citi card and they can not find it, but it is on my statement and I have been charged {$96.00} for the transfer. My transfer is between two credit cards and Citi card hangs up when I am holding to talk to a representative for more then 20 minutes. I also did live chat and no one will help. Citi card states its XXXX XXXX 's issue and its clearly a Citi Card issue. I have contacted Citi card on XX/XX/XXXX, and at least 10 times since XX/XX/XXXX and today XX/XX/XXXX.

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 2020-04-17 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: TN

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC.
State: PA

Complaint narrative:
Arvest Central Mortgage Co of XXXX XXXX AR took over my mortgage services on XX/XX/2020, however no correspondence was sent to me regarding the details of how to pay or how to contact their company until XX/XX/2020, via US mail bulk rate, and was not received by me until XX/XX/2020, the day that my mortgage would be considered late for payment and be imposed a late fee ( which Arvest has since said they are waiving for all customers ). 
When I originally tried to pay my mortgage to Arvest, via their automated system I was told that my information did not exist in their system. Due to not receiving the information from Arvest that I needed in order to pay ( including a contact number ) I was not able to pay my mortgage in a timely manner to Arvest. My mortgage interest accrues at over {$90.00} per week. This negligent and unethical delay in proper notification of how to pay my mortgage in a timely manner, by Arvest, resulted in my interest owed being increased by {$90.00} per week. This interest that accrued due to their delay, equates to direct fraud by this company, as it equates to more money that I now owe them. This interest that was not paid down due to this delay will be compounded many times over for the life of the loan. How can a company mail a notice on XX/XX/2020, via slow US mail, of how to pay make a payment that was due on XX/XX/2020?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA

Complaint narrative:
My hardship began in XX/XX/XXXX when I purchased my first home from XXXX XXXX XXXX. I was put into a subprime mortgage and as well as my neighbors in the development named XXXX XXXX in XXXX, Virginia. For the first 2 years I paid my mortgage with no issues but as the XXXX XXXX XXXX took its toll I tried to get a loan modification with no success from XXXX back in XXXX and I didnt know that they were under investigation for mortgage fraud by the US Government. Eventually XXXX XXXX XXXX was purchased by XXXX  XXXX XXXX so I was told by XXXX that I would have to submit new paperwork in order for them to process my loan modification and I did in XXXX and just like with XXXX before nothing happened. I then wrote a letter to my XXXX XXXX XXXX at the time for assistance with the matter and that pushed the ball somewhat but alas to no avail. Then when the National Mortgage Settlement occurred that XXXX XXXX XXXX was a Party to I couldnt get any relief from that because my mortgage is not backed by XXXX or XXXX. XXXX XXXX XXXX served both as my Mortgage Servicer and lender of my mortgage so I couldnt take advantage of any relief from the National Mortgage Settlement Lawsuit nor from HAMP, HARP, or other US Government backed programs because my mortgage isnt backed by XXXX or XXXX. I am paying 80 % of my income to my mortgage and I have tried over the decade to get relief but every corner I turn I was faced with roadblocks and hindrances from XXXX  XXXX XXXX. XXXX and thus XXXX XXXX XXXX KNEW I was in a subprime mortgage and they did nothing to help me but stall me to no end. I went through the arduous task of getting a Forensic Audit on my mortgage which showed huge gaps and illegalities. I am in a position where I can not afford legal counsel to go after XXXX XXXX XXXX well now SPServicing who is the current holder of my mortgage as of XX/XX/XXXX. I am a XXXX service-connected Veteran and I can't get any relief from this mortgage even from the VA and I can't even use my VA Home Loan benefits to get me from under this oppressive mortgage. This mortgage is FRAUD through and through and I am in desperate need of help. I am seeking complete mortgage relief.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
Dear sir/madam, this is the second time synchrony bank has done this to my account based on race.i am a amazon customer for many years now, two years ago synchrony bank has deceased my amazon store car which i think was inappropriate, i filed a complain with the bureau and they did restore my credit. 

Last year synchrony bank increased my credit limit to {$200000.00} i have never miss any payment and always pay my balance on time, i have link my XXXX XXXX XXXX XXXX XXXX to my synchrony bank account, i lost my XXXX   XXXX XXXX card a week ago and retrieve a new card from the bank forget to link the new card to my synchrony bank and they already cancelled my account., I receive a letter on XXXX XX/XX/1920 from synchrony bank stating dear XXXX XXXX XXXX XXXX based on recent review the bank has lowered my credit line to {$800.00}, i have never filed for bankruptcy nor filed for unemployment nor any government subsidized never ever, i am still employed, based on the bank action i think its a act of prejudice based on race, pleased if you could investigate this matter it would be highly appreciated thank you very much for your attention!

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 2020-04-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I've contacted Pen Fed via email for over a month now regarding a {$100.00} reward bonus listed on their website : https :  //www.penfed.org/XXXX I met all of the relevant criteria for the {$100.00} bonus months ago and have not received it nor have I received a resolution or a satisfactory response from Pen Fed 's Customer Service . One response I did receive, the representative didn't even know what bonus I was referring to. When I sent the same link I pasted above to them I received no response. This is not a financial institution I would recommend others deal with. I wonder how many service members they are dishonest with?

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 2020-04-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: MO

Complaint narrative:
Im trying to to get my money back from a company called XXXX XXXX   which also owns Cash app. They keep taking money out of my savings account in amount of {$160.00} which was from XX/XX/XXXX to XXXX. They would take out like {$7.00} increments for a total of 24 times. I have tried to email and still no results. Can you help me. Im XXXX XXXX XXXX of XXXX, MO Transactions Scheduled Pending Posted Filter Print Transaction Status Date Description Amount Balance XX/XX/XXXX XXXX POS PURCHASE AT CASH APP*XXXX  XXXX CA XXXX XXXX XXXX XXXX  XXXX, 2020 XXXX POS PURCHASE AT CASH APP*XXXX   XXXX CA XXXX XXXX XXXX XXXX XXXX, 2020 XXXX POS PURCHASE AT CASH APP*XXXX  XXXX CA XXXX XXXX XXXX XXXX  XXXX, 2020 XXXX POS PURCHASE AT CASH APP*XXXX  XXXX CA XXXX XXXX XXXX XXXX  XXXX, 2020 XXXX POS PURCHASE AT CASH APP*XXXX   XXXX CA XXXX XXXX XXXX XXXX XXXX, 2020 XXXX POS PURCHASE AT CASH APP*XXXX  XXXX CA XXXX XXXX XXXX XXXX  XXXX, 2020 XXXX POS PURCHASE AT CASH APP*XXXX  XXXX CA XXXX XXXX XXXX XXXX   XXXX, 2020 XXXX POS PURCHASE AT CASH APP*XXXX   XXXX CA XXXX XXXX XXXX XXXX  XXXX, 2020 XXXX POS PURCHASE AT CASH APP*XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX, 2020 XXXX POS PURCHASE AT CASH APP*XXXX  XXXX CA XXXX XXXX XXXX XXXX   XXXX, 2020 XXXX POS PURCHASE AT CASH APP*XXXX   XXXX CA XXXX XXXX XXXX XXXX  XXXX, 2020 XXXX POS PURCHASE AT CASH APP*XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX, 2020 XXXX POS PURCHASE AT CASH APP*XXXX  XXXX CA XXXX XXXX XXXX XXXX   XXXX, 2020 XXXX POS PURCHASE AT CASH APP*XXXX   XXXX CA XXXX XXXX XXXX XXXX  XXXX, 2020 XXXX XXXX PURCHASE AT CASH APP*XXXX  XXXX CA XXXX XXXX XXXX XXXX  XXXX, 2020 XXXX POS PURCHASE XXXX CASH APP*XXXX  XXXX CA XXXX XXXX XXXX XXXX   XXXX, 2020 XXXX POS PURCHASE AT CASH XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX, 2020 XXXX POS PURCHASE AT CASH APP*XXXX  XXXX CA XXXX XXXX XXXX XXXX  XXXX, 2020 XXXX POS PURCHASE AT CASH APP*XXXX XXXX CA XXXX XXXX XXXX XXXX   XXXX, 2020 XXXX POS PURCHASE AT CASH APP*XXXX   XXXX CA XXXX XXXX XXXX XXXX XXXX, 2020 XXXX POS PURCHASE AT CASH APP*XXXX  XXXX CA XXXX XXXX XXXX XXXX  XXXX XXXX 2020 XXXX POS PURCHASE AT CASH APP*XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX, 2020 XXXX POS PURCHASE AT CASH APP*XXXX   XXXX CA XXXX XXXX XXXX XXXX  XXXX, 2020 XXXX POS XXXX AT CASH APP*XXXX  XXXX CA XXXX XXXX XXXX This is a listing of what they kept taking. 
XXXX XXXX XXXX XXXX. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Experian credit bureau has reported a chapter XXXX bk on my credit report and they say they are verifying their Information from the court I have a letter from the court stating they dont and havent reported information regarding me to anyone but they wont stop reporting this unverified information.

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 2020-04-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have an account with Bank of America. I tried to add an outside bank so that I can transfer money from my BOA account to my new outside bank ( XXXX XXXX ). Bank of America doesn't recognize the routing number when I enter it. Message says : The Routing Number you entered did not match any Banks within our directory. Please enter a different Routing Number. 
Routing number : XXXX

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 2020-04-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: CA

Complaint narrative:
i used to have credit line account XXXX with usbank cash flow manager for 7 years. 
at the end of XXXX i decided to cancel my account because of {$150.00} fee .i was told by the bank manager that he will try to wave the charge so i can leave the account open. 
the manager told me that the charged waved so i left the account open.then again at the end of XXXX again i went to the bank to wave the charge and he told me that this charged can not be waved.i just now realized that the manager who was in charge during XXXX lied to me when he said that the account was not charged {$150.00} usbank department of credit lines try to make money out of people not knowing or not aware that they charge by the end of the year,

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