vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I am who I am the consumer in fact. I have been a victim of identity theft and I have sent numerous correspondence to the companies, filed FTC reports and mailed numerous forms of documentation to this agency attempting to get these negative, and inaccurate items off my consumer report before I seek further litigation. This is my last attempt to have these items blocked. Pursuant to 15 usc 1681c-2all of this information resulting from dentity theft must be blocked within 4 days. I demand it be blocked immediately and I request an immediate copy of my consumer " file '' be sent to my address on file. I never gave consumer reporting agencies consent to furnish reports on my behalf pursuant to 15 usc 1681b ( a ) ( 2 ). Attached its the ftc reports that reflect the accounts that are associated with fraud and i demand be blocked now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: CA

Complaint narrative:
This debt was the result of a double billing error from an old XXXX XXXX account. On XX/XX/2021, I spoke with XXXX of XXXX, who confirmed that this was a double billing error and it will be removed. XXXX gave me the number for Sunrise Credit ; I called Sunrise Credit and spoke with XXXX on XX/XX/2021 ( Ticket # XXXX XXXX XXXX ) and I was told that the amount would be taken out of collections. 

Despite all my attempts to resolve this double billing error, Sunrise Credit Services continues to report this false delinquency on my credit report, they have contacted me by phone, and send me e-mails demanding that I pay a debt which they have acknowledged to be a double booking error. 

Sunrise Credit Services has caused emotional and financial damage due to my lower credit score ( which affects my interest rates ) and the stress that comes from receiving false collections requests.

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 2021-10-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
The nature of this correspondence is to inform you an error and greivance that has caused me severe hardship on my credit report, i'm speaking of the charge-off ( s ) on my XXXX and XXXX credit file. On XX/XX/XXXX I made a payment to Navient I have attached my bank statement to this message as proof. 


I had made a payment but the loans were still charged-off on XX/XX/XXXX. According to the Cares Act their was a Covered Period that started XX/XX/XXXX which goes 120 days after XX/XX/XXXX. Under those terms I should've been covered without the derrogatory marks and late payments on my credit file. Furthermore I was informed by a Navient Supervisor that there was a program that I could've qualified for that could have saved me, but Navient did not disclose this information to me. 


Lastly I have made a several of payments in XXXX I have attached bank statements to this message. And I bring that up because as you know Navient is in a Lawsuite with the CFPB ( Article attached to this Message ) where they ( Navient ) forced borrowers into high payments which had a negative affect on borrowers credit file and I was notified that I was a victim as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 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: COMMUNITY CHOICE FINANCIAL, INC.
State: CA

Complaint narrative:
I have sent letters to transition, XXXX, and XXXX and the investigation took well over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: V and H Portfolio
State: TX

Complaint narrative:
I was notified through my credit monitoring system that my score had dropped substantially on XX/XX/2020 due to a collection account that was reported on my credit. I immediately disputed this because it's not mine and requested the Credit Bureau to verify the debt. The Bureau came back and said it was verified but did provide me with any supporting documents showing this. I have tried disputing several times with no resolution so I'm taking this step.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-06 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: TX

Complaint narrative:
I have placed a fraud alert on my credit report. I am still getting unadvised credit inquires on my Equifax credit report. I have contacted them to remove these inquires and they will not do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: CA

Complaint narrative:
PROFESSIONAL BUREAU OF COLLECTIONS reported to the credit agency on an account before making any contact with me upon receipt of the account. Per the Fair reporting Act ( FCRA ), PROFESSIONAL BUREAU OF COLLECTIONS should have contacted me first to give me a chance to address this account prior to taking derogatory actions with the credit reporting agencies under their name. During a recent phone conversation, a PROFESSIONAL BUREAU OF COLLECTIONS employee screamed at me that I owed {$630.00} to XXXX XXXX for XXXX services rendered in XXXX of 2020, which is an error. Without confirming the facts, The PROFESSIONAL BUREAU OF COLLECTIONS employee threatened me by saying he was going to place this claimed amount on my credit report and that it would reflect negatively on my credit history. 
On XXXX at XXXX XXXX, XXXX XXXX  Charged me {$630.00} for the services and this was amount was paid in full via my XXXX  Credit Card ( see attached XXXX invoice ). The attached receipt shows this charge, the payment, and a {$0.00} balance after the payment was made. I do not owe XXXX XXXX the said amount, that is an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have placed a fraud alert on my credit report. I am still getting unadvised credit inquires on my XXXX XXXX credit report. I have contacted them to remove these inquires and they will not do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
I used a feature in my banking app XXXX to place a deposit on a miniature horse that I was to purchase. ( Customary in XXXX industry ) after the transaction was completed, the seller disappeared. So I was scammed out of a {$350.00}. Deposit. I spent a great deal of time digging into this matter as I couldnt believe it happened to me. I have found more than 10 fake pages selling fake items using stolen pictures, names, profiles etc. there are more I am sure. I contacted several people that appeared likely to have fallen for the same scam. All the fake pages and sales and requests for deposits go back to the same people. I have all the messages, pictures and information about my transaction as well as pictures and information for the scammers pages. It is extensive and is on going. They are trying to sell me livestock right now as I make this complaint. I contacted my bank. Huntington Bank. They explained to me that I have zero protection and they have zero aid they can provide because XXXX is a 3rd party. My money in Huntington Bank would be protected and remedies would exist if I had NOT used XXXX. I reached out to XXXX. They stated that in the disclosures, they are not responsible nor will they help me in any way. I filed a complaint with XXXX. Now a complaint with you. The scammers that got me are good. They are doing this all over XXXX and who knows where else. There has to be some for of accountability for XXXX. Or for my bank who makes the XXXX payments available on banking app. The scammers need to be stopped, held accountable and restitution made to those that they have scammed. I feel violated on several levels. The scam itself, my bank as I believed my money was safe and that I had some for of protection, XXXX for making their service so easy for scammers to do this to people. My transaction was made on XX/XX/21.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I disputed with. XXXX XXXX  a bankruptcy they deleted it so I disputed with experian that they verify with them an thats how experian have it I show them the proof an they sayin that they dont used XXXXXXXX XXXX XXXX as proved but they did used them to add for my report doesnt make sense they dont want to deleted something that is been deleted it from who they used to verify that is XXXX 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 2021-10-06 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: I.C. System, Inc.
State: IL

Complaint narrative:
XXXX/ I.c . System is reporting and u verified collection on credit report by I.C. SYSTEM, INC in the amount of XXXX. Both XXXX and I.c. System are in violation of my rights by reporting a derogatory account on my credit reports that they have not provided proof of verification for. 
The was no written form of communication contact or signature the accused debt at all. 

They are required to provide the original contract agreeing to pay this amount bearing my signature Provide / prove that the limitations had not expired this account Show that they are licensed to collect in my state Validation must include pay off disclosure Interest rate disclosure Balance history Payment history Credit insurance

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 2021-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
Wells Fargo Bank- I opened a new account and the offer was that if I direct deposited {$2000.00} within 90 days, I would receive a {$200.00} bonus. 

I did what I was supposed to do, based on how I understood this offer, but was later told by Wells Fargo that my original {$25.00} deposit does not count toward to {$2000.00} and that I subsequently only made {$1900.00} in direct deposits. 

I believe I acted in good faith and was mislead in how this was worded and explained to me during account opening. I am just requesting that Wells Fargo honor the bonus offer I was promised and also act in good faith. 

Can you please approve my {$200.00} bonus? Thank you very much.

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 2021-10-06 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: TX

Complaint narrative:
This is for the XXXX XXXX account on my report that has been paid in full please review verify and delete the account from my report. Thanks

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 2021-10-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BEACON FINANCIAL CORPORATION
State: GA

Complaint narrative:
1. Escrow funds not applied correctly to renew Home Insurance causing me additional payment {$790.00} for the lapse in coverage.

2. Raised complaint in 2020 ( XXXX ) and they agreed to refund this amount. 
3. From XXXX I have been following up and they tell me I will receive a check within 60 days but nothing comes, I call again and they keep telling me the same. Escalated to manager several times but no action. No responses to email. I spent countless hours on the phone to settle things more than a 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
Consumer complaint received 2021-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I really don't remember the dates it was last year, all I know that bank put a flag on my account and told me that I owe them over {$4000.00} dollars. I was trying to get a loan with this loan company and they was asking if I get test to transaction. First they sent {$1700.00} to my XXXX XXXX which was link to my bank. They ask me to return it to them for testing. They repeat that with {$1700.00} saying they was paying insurance fees for getting so much money at a time. So now I can't get no bank account open because of 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 2021-10-06 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: IL

Complaint narrative:
Experian is reporting and u verified collection on credit report by XXXX XXXX XXXX in the amount of {$960.00} Both experian XXXX XXXX XXXX are in violation of my rights by reporting a derogatory account on my credit reports that they have not provided proof of verification for. 
The was no written form of communication contact or signature the accused debt at all. 
A bill is not a contract They are required to provide the original contract agreeing to pay this amount of XXXX $ bearing my signature Provide / prove that the limitations had not expired this account Show that they are licensed to collect in my state Validation must include pay off disclosure Interest rate disclosure Balance history Payment history Credit insurance Please

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 2021-10-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: CT

Complaint narrative:
Received a modification in XXXX/2021 and started falling behind as the payments increased to approximately XXXX from XXXX. I was foolish to have accepted the offer! 

I have tried 5 times a request of loss mitigation and have been offered a deed in lieu which I have not accepted. 
My grievance is that the mortgage was modified to an increased amount based on my existing salary which was lower than it is now. 
I now have a 2nd job and earning more and the company says I can not afford my home- then how did I qualify for the modification! They want my home!!! 

This company is not willing to work with consumers to stay in their homes. 
I have tried to catch up as much as I can paying almost {$17.00}, XXXX in an attempt to get caught up! 

Can you plead my case to this lender? 

Please help me! 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 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: Verisk Analytics Inc
State: WI

Complaint narrative:
I have been battling with XXXX and LCI since XXXX regarding their refusal to 'freeze " the consumer report they each have on me, which per the FCRA I am entitled to do. I have also been battling with them regarding a Bankruptcy they each have listed within the consumer profile they have on me. 
LCI and XXXX both claim they can not and will not freeze my consumer information. Furthermore, I believe they have committed fraud to violate the FCRA and violate my consumer rights. 
When first addressing the Bankruptcy they have listed, they first claimed the information came from XXXX and XXXX XXXX. Upon notifying them that XXXX XXXX did not have a bankruptcy listed they then claimed the furnisher was XXXX. XXXX maintains the information/furnisher is LCI. 
When pressed further, each company claimed that the information came from the other. With each piece of evidence I sent to them, proving that their verification and supposed furnisher was false, I would get a different excuse which violates the FCRA to delete if the item disputed can not be properly verified. 
Most recently both XXXX and LCI both claim that now the information and/or furnisher of said bankruptcy came from the Courthouse and/XXXX. I proved this was not true by contacting the Courthouse and XXXX. I have letters and email from each entity claiming they do not report to third party reporting agencies nor do they report to credit bureaus. Furthermore neither XXXX or the Courthouse confirm a Bankruptcy. I also have an email from XXXX stating they do not list anyone 's full social security number. 
However LCI and XXXX both maintain the Courthouse and XXXX as the verification and furnisher. This is after all of the previous different entities they falsely claimed were the furnisher. XXXX further violated my consumer rights by sending me a supposed voluntary petition that they fished from the XXXX XXXX which is not a legal form if verification since I have the email from XXXX stating full social security numbers are not listed in their system. Furthermore, fishing of information that can not be verified violates the FCRA and my consumer rights. A Bankruptcy can not be verified when neither the courthouse or pacer report to agencies, do not confirm information and do not list full social security numbers. 
LCI has lost several lawsuits recently for these practices I've mentioned. XXXX and LCI must comply and follow the law, yet they are not doing so. If XXXX is working with them or paying them then they should be held liable as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 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: EQUIFAX, INC.
State: TX

Complaint narrative:
This is for the XXXX XXXX account on my report that has been paid in full please review verify and delete the account from my report. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: AMERIS BANCORP

Complaint narrative:
Since Ameris bank has decided in XXXX to close my account, the bank has executed, without any order or agreement from my part, a transfer to an unknown account We sent several emails to the manager to have more details about this transfer to resolve this issue immediately We just received a quick answer Good afternoon, My apologies for my oversight. I don't recall your original email. 
It appears the amount was an automatic transfer to an external account Thank you, We tried to get more information by phone 2 times also, without success.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 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: TX

Complaint narrative:
I have placed a fraud alert on my credit report. I am still getting unadvised credit inquires on my XXXX credit report. I have contacted them to remove these inquires and they will not do so.

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