vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-09 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Account Number : XXXX XXXX To Whom It May Concern : Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains a late payment/payments reported for my XXXX XXXX XXXX accounts. 
I want you to know that I understand my financial obligations, and if it werent for the circumstance that caused me to miss a payments involving months of XXXX and back to back XXXX that were life threatening, Id have an excellent repayment record. I made a mistake in falling behind, but since then, My circumstances have changed I've improved my money management and I've returned back to work. Since then, I commit to a record of on-time payments. 
Im planning to apply for a mortgage/auto loan/etc, and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payment/payments. 
Thank you for your consideration, and I hope youll approvemy request. 
Best, XXXX 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 2020-07-09 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Account Number : XXXX XXXX To Whom It May Concern : Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains a late payment/payments reported for my XXXX XXXX XXXX accounts. 
I want you to know that I understand my financial obligations, and if it werent for the circumstance that caused me to miss a payments involving months of XXXX and back to back XXXX  that were life threatening, Id have an excellent repayment record. I made a mistake in falling behind, but since then, My circumstances have changed I've improved my money management and I've returned back to work. Since then, I commit to a record of on-time payments. 
Im planning to apply for a mortgage/auto loan/etc, and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payment/payments. 
Thank you for your consideration, and I hope youll approvemy request. 
Best, XXXX 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 2020-07-09 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 — Overcharged for something you did purchase with the card
Company: BARCLAYS BANK DELAWARE
State: NV

Complaint narrative:
I have a {$35.00} charge on my bill that does not belong. I have tried reaching the merchant but they are unable to assist and was told to contact my bank. I've been trying to reach someone at Barclay 's for the past few days. I have spent more than 2+ hours on hold only to be hung up on. They're online chat/messaging is useless and only provides canned responses. Their online dispute portal gives an error, etc. Barclay 's has made it impossible to reach anyone at their customer support. They have messages blaming Covid, but here we are 4+ months into it and they haven't gotten it together yet. I find this unacceptable and an atrocious business practice. A XXXX search for 'barclays ' returns many many others experiencing the exact same thing as myself. I would like this complaint to also document that I have been attempting to resolve a billing dispute. I don't want Barclay 's to pull something saying that it was not submitted in a timely manner.

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 monetary relief
Consumer complaint received 2020-07-09 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: TX

Complaint narrative:
I FILE A FTC REPORT AND REQUESTED THAT THEY BLOCK THESE ITEM AND DELETE THEM THEY TOOK OVER 45 DAYS WHICH IT SHOULD BE 4 BUSSINESS DAY ONCE THEY RECIEVE THE ITEM AND THEN MAKE THERE DECISION I ALSO SENT LETTER TO THE CREDITORS AND THEY ALSO SENT ME NOTHING BACK

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 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: GA

Complaint narrative:
I was informed by my bank lender that I was not approved for a home equity loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX, 1 XXXX, XXXX XXXX, XXXX XXXX, XXXX, Original Creditor, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
Mr.Cooper holds the 2nd small loan on my house, the 1st loan is in good standing with no issues. Mr.Cooper has been very underhanded and deceitful in their Practice. 
First of all, I was never notified in advance via mail to the physical address nor online that the balloon payment date was approaching. 
When I started this, I was told that it was mailed to the old address on file that was supposed to have been updated many many years ago. 
The account was in good standing until the XX/XX/XXXX payment when I login to make the payment that is when I was notified that the balloon payment of {$18000.00} was due. 
immediately I called to find out what are the options and being past from one department to another, all the while time is passing, submitting documents, waiting for returned calls and answers only to be told we can't do that, but try this. 
Finally told to submit loan modification, having submitted everything on XX/XX/20 I was told weeks later that more documentation was needed and an affidavit, so now it's XX/XX/20. Again the account is aging further past due. 
After calling a couple of times a week and login in daily checking on the status of the modification, each time being told that it was in the underwriting stage, ( I have screenshots of this. ) I received a letter from the attorney 's office of XXXX XXXX XXXX dated XX/XX/XXXX that my home had been placed with them for foreclosed, I called Mr.Cooper concerning this and again was told that they had NOT placed the home into foreclosure and to please send them a copy of the letter so they could research what is taken place. Again they assured me that the modification was still in the underwriting stage. 
Only to be told 16 business days later ( when I called XX/XX/XXXX ) 56 business days later that the loan investor doesn't accept modifications. 
After they have wasted my precious time and the account is showing severely past due I can't refinance with anyone because of federal regulations that the account isn't current. 
Mr. Cooper being unwilling to work with me on this Balloon payment, even to refinance. 
After being a customer for fifteen years they seem determine to take my home over {$18000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 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: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
i have filed much paperwork and made many phone calls informing the creditors of the mistakes on a recent report of mine. these account are not my doing, i have no knowledge of how they were open. theres one auto company claiming that i have late pays and {$10000.00} remaining on a balance. and a collection company trying to get {$950.00} from me for some reason. these accounts have many inaccurate details on 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 2020-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
PORTFOLIO RECOVERY ASSOCIATES has engaged in collection activity prior to validating a debt and has not submitted any documentation to support your claim. 


I have no idea who PORTFOLIO RECOVERY ASSOCIATES is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. PORTFOLIO RECOVERY ASSOCIATES is indicating that an account with the account number XXXX was opened with their company in XX/XX/2018. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. I have requested to receive notarized validation from PORTFOLIO RECOVERY ASSOCIATES via certified mail RR # XXXX XXXX XXXX XXXX XXXX and the company has ignored my request. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity. 

2. Provide signed verification of each transaction that is part of the alleged cumulative debt. 

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized PORTFOLIO RECOVERY ASSOCIATES as third-party collection agent. 

4. Provide a true and correct copy of the instrument by which [ PORTFOLIO RECOVERY ASSOCIATES } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ).

5. Provide the delegation of authority from the Director of the Office of Management Budget to PORTFOLIO RECOVERY ASSOCIATES, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ).

6. Provide the Certified Assessment Certificate. 


Violation ( s ) : XXXX Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ). 
* Failure to provide an Opt Out Notice. 
* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice. 
XXXX Sharing Non Public Information ( NPI ) without providing an Opt Out Notice

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-09 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: PLS GROUP, INC
State: NY

Complaint narrative:
On XX/XX/2020, I received a check from my employer in the amount of {$1000.00}. I used my bank mobile app to deposit the check. I wasn't sure if the mobile deposit when through properly, so I contacted my bank ( XX/XX/2020 ) through their online chat and spoke to a representative. I asked was their a check in the amount of {$1000.00} pending. I was informed that there wasn't one pending. After I got the information, I decided to cash the check at a local PLS check cashing place instead of using the mobile app again. Later that day, the check that I was told wasn't pending, actually was, and deposited in my account. Now I have cashed the same check twice. I contacted my bank immediately and told them the situation, and I was informed the check that was deposited will be returned within 2-3 business days. 2-3 Business days pass and the mobile check was never returned. Friday ( XX/XX/2020 ), I called my bank back, told them the situation again, and I was informed the check should be returned in a few days.Then on Monday ( XX/XX/XXXX ) I get a call from PLS, the check cashing place I went to cash the check at, and was informed that I need to return the cash because the check " had been returned unpaid ''. I told them I would return the cash. I contacted my bank and informed them that I would be returning the physical cash to the check cashing place and no longer needed them to return the mobile deposit. I was told, since I'm returning the cash, no further action will be taken on my account and I don't have to worry about the money being taken out. Later that day, at XXXX XXXX, I returned the cash to PLS bank. Then later that same day, my bank took the money out my account as well, after telling me they wouldn't. Now I'm completely out of my check. I was informed by my bank, I need to get in contact with my payroll at my job to get a replacement check. I was informed by payroll that I can not receive a new check until the funds are returned to them, and on their end, the funds state " Paid ''. After two weeks of discussing it with my payroll and XXXX, we discovered that PLS Check Cashing Services processed the check and were paid. I contacted them this morning and told a representative from PLS the situation and I was informed they never received the money from XXXX, so they can't send the money to me, until they receive the payment from XXXX. But XXXX is stating the money was already paid out to PLS.

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 2020-07-09 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: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Account Number : XX/XX/XXXX XXXX To Whom It May Concern : Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains a late payment/payments reported for my XXXX XXXX XXXX account. 
I want you to know that I understand my financial obligations, and if it werent for my XXXX medical health circumstance that caused me to miss payments I have been the past year from being hospitalized to XXXX back to back months of non stop XXXX XXXX XXXX and endless medical procedures to save my life, Id have an excellent repayment record if it wasn't for this condition. I made a mistake in falling behind, but since then, my circumstances have changed and ive improved your money management. Since then, I promise and commit to spotless record of on-time payments. 
Im planning to apply for a mortgage, and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payment/payments. 
Thank you for your consideration, and I hope youll approvemy request. 
Best, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I have a Citi card account I had on autopay with my XXXX XXXX XXXX I had to close my checking account due to fraud. Citi did not notify me of autopay being disabled. Right after being disabled late payment was reported on XX/XX/2020. I contacted Citi and spoke with a manager regarding the inaccuracy on XX/XX/2020 and paid my entire balance of XXXXInaccurate information was not removed credit bureaus. I set up direct deposit to prevent it from happening again.

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 2020-07-09 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
We have been working with the company since XXXX trying to modify the loan. They denied us and told us the HELOC matures on XX/XX/XXXX and payment is due in full. They sent us the invoice with the amount due on XX/XX/XXXX. We sent them a check for that total amount and sent it certified mail. They received it on XX/XX/XXXX. We called to verify that they had the check and they confirmed that we did and read the check number to us. It is now XX/XX/XXXX, they have not cashed the check yet and we are calling every day to find out status. Each time we call we are told something different about why they have not cashed the check or applied it to our account. Today they said that the check was not for enough money even though we paid the amount on the bill that they sent us! Every single time we call they tell us that they will have to call us back. Nobody from that company has EVER called us back and they won't cash our check!

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 2020-07-09 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: Credit Control, LLC
State: MD

Complaint narrative:
I just received a letter dating XX/XX/2020 from a new creditor that has bought the old debt ONE day after I spoke to XXXX  and told them I send fraud affidavits to them three times on a credit card account they was stolen - I guess they sold it the next day because they didnt want the drama but now I will seek legal investigation into this! Its absurd how they passed a fraudulent debt off again -

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 2020-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
XXXX - I opened two deposit accounts for my XXXX XXXX ( XXXX )  expansion at Bank of America - Small Business online web portal XXXX - SBA loan proceeds deposited in to primary account by the US Treasury XXXX - letter sent by Bank of America with 'threatening ' language indicating that my account was closed - no cause of action provided. Threats include a statement that " Our decision to close your account is final and may affect your ability to open a checking or savings account with us in the future. '' But worse - " We may report you to XXXX XXXX  ... The may affect your ability to open an account at any other financial institutions for up to five years. '' XXXX - second letter sent by Bank of America. First line in bold letters, " We've closed the above account. '' Then - " At this time, any remaining balance won't be returned to you. '' XXXX - I received the first letter on XXXX and called the following day. Was told that 'an analyst suspected fraud on my account and that funds were being held in back office pending review. ' I escalated to a supervisor who sent it back to the analyst for review ... very harsh and accusatory tone in their dealing with my questions XXXX - I called back and was first told that this was still under review. After pushing back hard, I was told by a supervisor that this had been reversed and that my accounts were reinstated but that the funds would take 48 hours to clear back in to the account. I asked for and was given a path way to escalate this to the executive response team, given that I had already written to XXXX XXXX - XXXX of Bank of America. 

** I have now had multiple calls and escalations since these letters arrived - happy to report that BofA acknowledged this was a mistake on their part and are complying with my demand for a letter of release, indicating that I did nothing wrong and that this was a mistake on their part. I expect this letter by XXXX. 

Even with their apology letter and reinstatement of my accounts, this complaint still stands in that the language used in the letter is - or should be - illegal. Threatening my financial future by an unsubstantiated claim of fraud is wrong. Withholding funds as they suggest in the second letter is a felony crime under GA law ( OCGA 16-8-2 ) -  Theft by Taking since it's clear by the statement " remaining balance wont be returned to you '' that they had 'intent to permanently deprive ' me of my funds.

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 2020-07-09 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 — Problem with personal statement of dispute
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
BMW financial services inaccurately reported a history of payments on my auto loan. I have asked them to investigate and send me a copy of their investigation. They haven't responded within the required time frame.

Company response to consumer: Closed with explanation