vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MA

Complaint narrative:
FOR THE RECORD THISBIS NOT A COMPLAINT THIS A CLAIM BY A LIVING MAN NON ARTIFICIAL PERSON XX/XX/19 We have orginal in good faith sent a affdavit of truth in reference to this fraudulent loan number # [ XXXX ] attach to our private property which has been rebutted under penalty and perjury without any response point for point. We have been very patient with these perpetrators and still no remedy. This will be the Cfpb Actual notice of crimes currently ongoing. These individuals unlawfully actions are directly responsible for the distress financially emotionally and mentally over the past 24 months and counting. While during a pandemic these individuals sent people to our private property against our consent on two occasions .Attach is prima facie evidence and the CFPB must uphold the law or be expose to charges as well .We the people are free and owe no obglations to this artificial enity. As public servants who are only here to sereve us your MASTER We demand for this cliam to be addressed Immediately. First and foremost this fraudulent debt that doesn't exist must be erase in compliance with the bill of rights but more specifically title 15 is self explanatory and must be compeststaed as well for damages. Thank you in advance for your service which you have a duty to provide. 

AGENT TO PRINCIPAL IS PRINCIPAL TO AGENT IGNORANCE OF THE LAW IS NO EXCUSE NOR DEFENSE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 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: NY

Complaint narrative:
On XXXX/XXXX/20, I wrote disputing these inaccurate items I just discovered on my report. I recently pulled a copy of my report after being notified my information was impacted by the XXXX data breach. To this day over 60 days later I still haven't received information on the status of your investigation. I starting to feel like Im just another number caught on a hamster wheel. Im asking you to investigate these inaccurate and erroneous items and delete if you can not verify these. I have enclosed the items again for your assistance.

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 2021-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I have tried to resolve this issue with so called debt collectors or predatory lenders reporting negative items on my credit file from the three credit bureaus, but little or nothing has been done to remove all negative item off my credit file. Portfolio Recovery Associates still report incorrect and negative items although they said they would stop collection actions. Portfolio Recovery has sent me over 130 harassing letters which I have not opened and returned to sender. XXXX XXXX, XXXX XXXX continue to report negative items affective my financial life and harassing letters which all have been sent back to sender. All three credit bureaus continue to report on behalf of these predatory lenders when they have not produced any contract or promissory note with the specie of exchange to create such debts. I want these predatory lenders to cease and desist from all collection attempts and remove every fraudulent account for collection from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 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: AL

Complaint narrative:
Hello, In XXXX oXXXX XXXX, I filed a dispute with the credit bureaus about the illegally reinserted collection account : XXXX XXXX account # XXXX I did some reading about credit reporting laws and under the FCRA ( A ) ( 5 ) ( B ), all reinserted accounts must be given a five day notice from the credit bureaus or it must be promptly deleted. and from my understanding if a consumer finds errors on their credit report, they have a right to have them fixed. I got this information from the FCRA.. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. 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 2021-03-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I have a paypal 2 % cash back master credit card, and because it offers 2 % cash back of any purchase without limits so I make almost all the purchases with this card. Because the credit limit on this card is low, and I contacted the agent and was told I can make the payment before the due date so that I will have the credit available once my payments get posted to the account and I can continue to use this credit card. So on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, I made 3 payments, and contacted Paypal to see when my payments will be posted so that I can get some credits available to use on this card, and was told the last payment would be posted on XXXX. Today, XXXX, I got a call from a third company that I set auto payment with this paypal credit card and said the transaction was failed, so I called paypal. I was told my account was closed on XX/XX/XXXX because of the irregular payments ( without my authorization ). First of all, the payments were made with the same bank accounts and second, I notified paypal those payments and asked for the posting dates. Now, because they close the account based on their term, I lost all the rewards which I kept saving for long time and never redeemed which is at least {$1000.00} and get late charges because of the autopayment set up. I was told they can close the account anytime without verifying with me with any reason.

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 2021-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I moved to a new address in XXXX of 2019. I contacted ( via phone ), ALL of my creditors to update billing address so as NOT to be late on ANY bill. XXXX XXXX Co ( Citibank ) updated my address incorrectly. They only recorded the house number but left off the street name, thereby rendering my bill undeliverable. Upon being notified of late bill via phone, i immediately paid off balance and closed account. I was refunded my late charges and representative stated that bill WAS IN FACT returned as undeliverable to me! She also stated that this would NOT affect my credit score / rating. I have tried 4 times over the course of 2 years to rectify this with both Citibank and XXXX, as well as XXXX to no avail. Citibank stats they can not correct negative report because it wasn't a bank error. I understand this, but it WAS a billing error. How can i pay a bill I never received?? The mistake with the address was THEIR responsibility, and I'm left with the negative rating?? 
I will attach invoice showing house number but NO street name in the documentation section to follow. Please help me to have them correct negative information regarding this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Extreme difficulty and frustration in logging into the new servicing center recently hired by the my Mortgage Company TIAA Bank. TIAA Bank recently hired XXXX to service the mortgage accounts. The XXXX XXXX Website is defective and will not allow me to enter the website to make my payments. The login procedures do not recognize my account number or social security number causing frustration and delay in making my mortgage payments. I have to call into the XXXX Customer Service which is incorrectly listed on their website. I have wasted 45 minutes trying to make my mortgage payments. 

Need XXXX to merge my correct loan number and social security number and to purge my current loan sign on id and password so I can create a new id and password that can be merged with my correct loan number and social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: SANDY SPRING BANCORP, INC.
State: MD

Complaint narrative:
I have my HELOC on auto draft with Sandy Spring Bank in Maryland formerly known as XXXX XXXX I now bank with SSB, business and personal. I also have a mortgage and HELOC with them as well. I was with XXXX XXXX before the merger. In XXXX of XXXX XXXX bought XXXX XXXX. During the two banks merger, I had numerous payments on eft ( at XXXX XXXX  ) that did not transfer over. Nobody called or let me know from SSB that they had an internal problem and eft 's were not going through. I found out when creditors called and told me I was late. I explained I was on eft and was able to rectify the problems quick and without penalty 's on my credit report. When I called SSB they admitted they had eft problems. This takes us to my case : I had my HELOC on auto draft with XXXX ( now Sandy Spring Bank ). Sometime in XXXX SSB removed my auto draft without letting me know. This caused my auto draft payments to not go through and create a 30 day late payment. SSB never contacted me all the way through XX/XX/XXXX until I got a notice from my credit agency that I was 30 day late. I had to reach out to SSB and ask what happened. They didn't know and couldn't explain. I then wrote a letter explaining this was a misunderstanding and polity asked to remove it. I was trying to be diplomatic and not point blame at SSB since we don't have a good prior relationship. ( I will explain in the next paragraph ). My payment amount is {$570.00} per month. It is an internal transfer or auto draft within SSB. Between all my bank accounts with SSB there was plenty of money to pay the payment. SSB is nutritious for calling when something is wrong. Nobody called, no letters, nothing explaining auto draft has been removed still to this day. I was completely blindsided by this almost 3 months later. Before this incident I had 0 late payments on my credit and a XXXX score. Now it is XXXX. 

I'd also like to note that I had significant problems with SSB prior to the banks merging. This dates back to XXXX. My business banker played a lot of games with my accounts. At one point SSB settled out of court with me for some unscrupulous activates involving posting debits before credits. Not long after the settlement my business banker rejected my payroll in retaliation. They had never done that until the settlement. For that reason I had left SSB a few years ago, and moved all my banking to XXXX XXXX. To my dismay, SSB ended up buying XXXX XXXX  and I was right back where I started. Within 90 days, my current case happens and I fell once again into this retaliation trap from that same person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-16 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: AL

Complaint narrative:
Hello, In XXXX of 2021, I filed a dispute with the credit bureaus about the illegally reinserted collection account : XXXX XXXX account # XXXX I did some reading about credit reporting laws and under the FCRA ( A ) ( 5 ) ( B ), all reinserted accounts must be given a five day notice from the credit bureaus or it must be promptly deleted. and from my understanding if a consumer finds errors on their credit report, they have a right to have them fixed. I got this information from the FCRA.. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. 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 2021-03-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I had a credit of {$27.00} and was told to send a check to Home Depot Credit Services with 16 digit code so that they might credit my checking account. Rather than crediting my account, they sent another {$27.00} from my account TO home Depot! 
Now I have another statement with a credit for {$55.00} with instructions to do the same thing. Fool me once ... ...

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 2021-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/2020 I was to receive a refund in the amount of {$200.00} to my credit card following a car rental with XXXX but because my credit card was cancelled by Bank of America due to my card being compromised the refund never made it back into my account. Bank of America then pulled the amount from the vendor returning it to me stemming an investigation. XXXX turned in incorrect documentation stating that a refund was issued in the amount of {$200.00}. I then submitted documentation that the refund of {$200.00} that was issued by XXXX was for a prior rental. I have sent in several supporting documents to prove that I am entitled to a refund of {$200.00}. Yet both XXXX and Bank of America has yet to make good on returning my refund amount of {$200.00} and other fees accrued from this and have stated that they will no longer be investigating the issue.

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 2021-03-16 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: LA

Complaint narrative:
I was so stress, I file documentation lastXX/XX/2021 regarding to those unknown and inaccurate accounts I found on my credit report it almost 30 days now but I haven't receive any response yet. I demand to DELETE ASAP those accounts or I will file litigation.

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 2021-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Ive viewing how this account from XXXX XXXX is reporting on Experian. This account has been. Closed since XX/XX/2018 according to first progress. Yet Experian is reporting the account charge offs EVERY MONTH. Can you imagine the damage this has on my score. I may be wrong but as a consumer I thought the bureaus has an obligation to report with accuracy per fcra. Im asking for deletion of account for the inaccurate reporting if they fail to correct this

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 2021-03-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
I sent a bank bill payor payment of {$170.00} in XXXX and the amount was not applied to my account..Sent copy of the canceled check to investigation dept 3 times..As of yesterday, they feel they resolved the issue.. they applied to someone else 's account and supposedly sent a refund check to that person.How does that resolved the issue for me? They would not retract check nor give me a credit..This is outrageous practices..I pay my balance in full every month..I paid balance and closed the account yesterday .. I told them I was going to register a complaint..They don't care! ANy HELP WOULD BE GREATLY APPRECIATED..

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 2021-03-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Hello I hope you are having a excellent day. Recently I have filed a dispute with the credit reporting agencies because of inaccurate information reported on my credit, which is hindering me of getting more credit. To this day I have not received any updates from them regarding the investigation that is suppose to take place. I have sent out the necessary letters and also gave them the necessary time frame to dispute all inaccuracies and reach back out to me but alas they have not reached back out to me. I also filed a 30 day demand letter in order for them to update me on the investigation but also I have not heard from them. This is very important for me because as stated earlier I can not receive any high end credit because of the inaccurate information the credit bureaus reported on my credit. 
INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021

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 2021-03-16 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: PA

Complaint narrative:
Hello I hope you are having a excellent day. Recently I have filed a dispute with the credit reporting agencies because of inaccurate information reported on my credit, which is hindering me of getting more credit. To this day I have not received any updates from them regarding the investigation that is suppose to take place. I have sent out the necessary letters and also gave them the necessary time frame to dispute all inaccuracies and reach back out to me but alas they have not reached back out to me. I also filed a 30 day demand letter in order for them to update me on the investigation but also I have not heard from them. This is very important for me because as stated earlier I can not receive any high end credit because of the inaccurate information the credit bureaus reported on my credit. 
INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CNG FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was contacted twice from a dept collector with the number XXXX ( XXXX ) XXXX who claimed they were from a debt I had at checkngo in XXXX the first call in which the woman was very nasty and told me if I did not pay this debt a warrant will be served at my address and I would be arrested. Again she called XX/XX/XXXX and told me they have a lien on my vehicle and will be having a warrant served. I have not received any calls from them until XXXX. When I called back this person tried to deny the threats they made on the former calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: MD

Complaint narrative:
My credit report is reflecting Bankruptcy i have disputed the bankruptcy the came back saying it was verified with lexisNexis i have a copy of my Lexisnexis shows No bankruptcy so i called LexisNexis they informed me they have Two reports verified and unverified my verified shows no bankruptcy and my unverified shows bankruptcy and they supplied the unverified information the the credit reporting companies why are they reporting unverified infomation on me to companies

Company response to consumer: Closed with explanation