vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-18 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
In XXXX and XXXX, I filed a dispute with this credit bureau about the unverified account XXXX XXXX -- Account number XXXX. In those 2 months I have asked numerous times for a response into their investigation and I have not received anything in response from this bureau in over 2 months.. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about these four unverified accounts as of today. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Columbia Collectors Inc
State: OR

Complaint narrative:
A prior landlord has attached {$8900.00} on my credit report. I did not owe him anything when I moved out. He has never got a judgement against me for this amount. I went to mediation with the collection agency who was suing me. The case was thrown out due to the prior landlord obviously altering paperwork he submitted. Yet, this invalid debt remains on my credit report, despite me trying numerous times to have it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
I have a XXXX Card with XXXX Rewards. Due to Covid-19 and my loss of work from XX/XX/XXXX. I have missed some payments and recently been unable to pay the above card. Before Covid my credit score and my payment history was good. I have been very proactive calling XXXX many times to inform them of my situation. The only help I was offered was a 2-month deferment. The high interest, late fees & other fees increased my balance owing each month. Even if I could pay {$50.00} for example, the next months bill would have interest & fees that were more that what I had paid so my debt continued to climb. I was told by this company that the only way to stop interest charges & fees was to close the account so I did but the interest charges & fees continue. I was receiving many phone calls daily from this company but with no real help offered. I wrote a letter to Barclays on XX/XX/XXXX and they wrote back offering no help.

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 2021-03-18 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: Specialized Loan Servicing Holdings LLC
State: NY

Complaint narrative:
XXXX Dear Sirs and Madams : Hope this finds you well. I am completely distressed because my mortgage service provider, Specialized Loan Servicing LLC ( SLS ), refused to honor on the credit reporting the fact that I was unable to pay my mortgage during the heightened months of the Covid-19 pandemic. I was greatly affected by the pandemic during the months of XXXX, XXXX, XXXX and XX/XX/2020 and didn't even have the wherewithal to find out about the easy steps of putting a forbearance into place, and was certainly not in a position to engage in the forbearance process. However, unfortunately, I have since found out, that even for individuals who tried to put a forbearance in place, SLS still often did not honor these forbearances on the credit reporting. After the above aforementioned covid months, I completely caught up on my mortgage payments, including anything owed during those months ; my mortgage is currently perfectly up to date in payment, yet, my credit is ruined by SLS because of their reporting late remarks for the covid months of XXXX, XXXX, XXXX and XXXX of 2020. I have begged SLS to remove the credit report late remarks of those four months. Can you help 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 2021-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: GA

Complaint narrative:
Enhanced Recovery Co has placed a collection item on my credit report. This debt does not belong to me. I have never received any written or verbal communication from ERC nor have they responded to my repeated requests asking to validate the debt. I have sent them a total of three letters to date, each being completely ignored. The account is showing as XXXX for {$1800.00}. The company refuses to validate or remove the account from my credit reports. I have tried filing disputes with the credit bureaus but ERC claims to them that the debt is valid ( with no proof submitted - EVER ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 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: TN

Complaint narrative:
On XX/XX//2020, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored for my disputes and concerns. 
Section 611 ( A ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 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: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I am a US citizen who moved the UK to attend university in XXXX and have lived full time in the UK from XXXX to XXXX. 

It is XXXX now and am returning to the USA and have been offered a position in the finance sector. The employer has processed a background check for me including pulling my credit report of which i have had no need to check as I have not needed to use my credit. 

It has been discovered that I have two fraudulent credit card accounts opened in my name from XXXX, 2 years after I had already begun to live in the UK. One of the cards had been used up until XXXX and the other up until XXXX before being charged off and transferred to a company called Portfolio Recovery XXXX. 

Acct XXXX Balance {$2200.00} Open date XX/XX/XXXX Charge off date XX/XX/XXXX XXXX XXXX Acct XXXX Balance {$3500.00} Open Date XX/XX/XXXX Charge off date XX/XX/XXXX I can attest that these are not my accounts and that I had no knowledge of opening them or using them to my benefit. These are fraudulent credit card accounts and would like them to be removed from my credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 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 — Investigation took more than 30 days
Company: I.C. System, Inc.
State: OH

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. it has been well over 30 days and I haven't received any investigation results.

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 2021-03-18 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 — Investigation took more than 30 days
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. it has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 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 — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc.
State: OH

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. it has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I made a payment through bill pay. When the payment did not post I contacted the bank to confirm the payment process was handled on their end. I requested the transfer information. I then contacted the vendor and asked them to look into the situation. 

At first I was told the payment was made through a paper check ( later I learned this was not the case and that it was sent electronically. 

After a number of phone calls and email exchanges with XXXX ( the vendor ) I understood 1. They do not receive electronic payments ( their system does not work with that technology. 2. They do not accept paper checks ( they are returned to address on check. 

With this information I contacted Citi bank again. At this point I thought the best option would be to pull back the payment. They ( again ) told me their records stated the payment was made and cleared. This was my third contact with Citi. On the phone I was transferred from department to department which was no help. I was given a number but they in turn transferred me. After trying to approach from the vendor side, I returned to Citi via chat ( I have the transcript ). Again I was transferred around and when I returned to the initial department I started with, I requested to be connected with the supervisor. I simply could not believe it would be that difficult to have a payment pulled back. At this point it was quite possible the payment went to the wrong vendor ... but I had no details as to how to find that out. I would lie with Citi. Unfortunately each time I contacted them I was met with people who quite honestly did not know what to do. 

With over 2 hours invested in what I understand as a rather simple tracking task, I became frustrated. I thought it was important to advise some oversight agency as this kind of inability to conduct business hinges on the possibility of foul play. At the very least both citibank and the public should be made aware of their business conduct.

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 2021-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Aargon Agency, Inc.
State: VA

Complaint narrative:
Received automated voicemails from XXXX yesterday and XXXX today stating that they were attempting to collect a debt and threatened legal action. The automated voicemail from the XXXX number stated the company was XXXX XXXX. When I called the XXXX number back today, a man told me that my social security number was having some kind of problem in the state of California. He asked for the last 4 digits of my social security number. I did not give him this information. When I asked for his name and company, he hung up.

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 2021-03-18 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
In XXXX and XXXX, I filed a dispute with this credit bureau about the unverified account XXXX XXXX  -- Account number XXXX. In those 2 months I have asked numerous times for a response into their investigation and I have not received anything in response from this bureau in over 2 months.. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about these four unverified accounts as of today. Thank you

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 2021-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I have a Home Depot Credit Card through Citibank. 

I have received more than a dozen dunning telephone calls from Citibank in the past seven days with two today XXXX XXXX. 

This is harassment and must stop. 

I am up to date in all payments. 

Citibank is claiming I owe XXXX XXXX more than {$1300.00} which is not true. 

I want an accounting of each and every charge with XXXX XXXX from the beginning to now!

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 2021-03-18 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: CA

Complaint narrative:
OnXX/XX/XXXX, I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.

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 2021-03-18 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: CA

Complaint narrative:
On XX/XX/XXXX,, XXXX, I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: OH

Complaint narrative:
Hello- Received a letter from Convergent XXXX  stating I owed {$720.00} but they would settle for {$250.00}. I called and they wanted my social security # which I am not willing to give out, they would not tell me what the debt was for and this is not on my credit report. I called on XX/XX/XXXX and emailed the company on XX/XX/XXXXwith no response. The email was sent to them through their website : XXXX. I believe this is a fraudulent company and looked them up online and saw many other complaints. I do not want them contacting me again and hope to help others that may be taken advantage of by these frauds. Thank you-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 2021-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paradigm Assets, LLC
State: IL

Complaint narrative:
I received a Notice from XXXX XXXX who Represents JHPDE Finance I , LLC in XX/XX/2020, so I sent a response dispute letter and a police report to show the debt wasnt mine! Asked to to Validate the debt, but the only sent some old statements that doesnt Validate anything! So sent out another letter and no response! Now today I received a letter from XXXX XXXX XXXX Who now Represents the same company JHPDE Finance I , LLC Requesting Payment for the same Debt I disputed back in XX/XX/2020 when they havent responded to the second letter for Validation of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, IL XXXX SINGLE FAMILY Never lived there That reason can't be processed online. 
This Address was reported to XXXX by XXXX XXXX XXXX XXXX and 3 other companies. Please contact the company to verify that they have your correct address. Once the new information is reported to XXXX, you will be able to submit your dispute online. For further questions, you may contact us at XXXX. 
XXXX Address ID Number XXXX Report Number XXXX XXXX XXXX XXXX, IN XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, IN XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, IL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, IL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, IL XXXX MULTIFAMILY NONE XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, IL XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX, CO XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX, IL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SINGLE FAMILY

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 2021-03-18 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, IL XXXX SINGLE FAMILY Never lived there That reason can't be processed online. 
This Address was reported to XXXX by XXXX XXXX XXXX XXXX and 3 other companies. Please contact the company to verify that they have your correct address. Once the new information is reported to XXXX, you will be able to submit your dispute online. For further questions, you may contact us at XXXX. 
XXXX Address ID Number XXXX Report Number XXXX XXXX XXXX XXXX, IN XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, IN XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, IL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, IL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, IL XXXX MULTIFAMILY NONE XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, IL XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX, CO XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX, IL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SINGLE FAMILY

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MLD MORTGAGE INC
State: CA

Complaint narrative:
We took out a loan from XXXX XXXX XXXX on or about XX/XX/XXXX. 
Our first payment was due XX/XX/XXXX, and late if not received by XX/XX/XXXX. 
Our bank sent our first payment on XX/XX/XXXX. 
Our check was stamped received on XX/XX/XXXX. 
We paid off our loan on XX/XX/XXXX. 
Subsequently, we received our annual account statement for XXXX which showed our first payment was processed on XX/XX/XXXX, and we were assessed late fees of {$220.00} I called XXXX XXXX XXXX on XX/XX/XXXX, and XXXX, XXXX and they refuse to talk to me. 
I request a refund of these late fees.

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 2021-03-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Despite numerous written requests, Bank of America will not close my credit card 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