vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Control, LLC
State: MO

Complaint narrative:
Hello, I would like to begin by stating that a portion of the debt is valid and I am willing to continue to pursue a settlement. 

The main cause for filing a complaint is the lack of communication with the debt collector, Credit Control Services, LLC. I have responded repeatedly to notices of the debt to begin finding a solution or settlement. However, I have not received a response from the debt collector acknowledging they have received written communication from me, or that they desire to attempt to settle the debt. Since I can not obtain any information or communication from the collector, and because a reasonable amount of time and attempts have passed to find such a solution, I am requesting that the debt be canceled and any negative items added to my credit report be retracted or withdrawn. 

I have attempted to contact Credit Control, LLC., on four ( 4 ) occasions and have attached copies of the two most recent files I have sent by USPS . 

The two most recent letters were sent by USPS on XX/XX/2020 and XX/XX/2020.

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 2021-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete. 
The following inquiry is unauthorized : XXXX XXXX, Inqury Date : XXXX XXXX, XXXX ; XXXX  XXXX XXXX XXXX, Inqury Date : XXXX XXXX, XXXX ; XXXX XXXX XXXX, Inqury Date : XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
My belk rewards credit card went into collections. After being contacted by the hired debt collection agency ; I did go ahead and start paying the debt once employed. I sent in a payment around XX/XX/XXXX and the payment was returned which was odd so I then reached out to the debt collectors which is " XXXX XXXX XXXX  XXXX XXXX ''. No response after multiple days of calling and emailing. I then reached out to Synchrony Bank ( original Debt ) to see if they had an explanation as to why the debt collectors had sent my payment back and arent returning my calls. They said it looked like the debt had been sent to another agency ; ok great ... seems like i'm getting somewhere. I and the Synchrony Bank agent call what was suppose to be another agency and come to find out they are only an answering service for the original debt collectors " XXXX XXXX XXXX  XXXX '' so I am now back at square one. I continue to call and ask the call center to have the actual company call me back to inform me on whats going on because not only can they not transfer you but they also can not take payments so they were no help at all. It is now XXXX and I havent heard back from the debt collectors by phone, mail or email. Towards the end of XXXX I continued to reach out to Synchrony Bank on their recorded lines to inform them on what was continuing to happen they pretended they were filing actions and complaints against the company for the issues that I was having and that hopefully would fix the communication issues. Nothing changed and the total continued to go up with whatever type of fees they were adding on. I am sure that it is unethical and illegal to deny payments, ignore calls and emails all while adding on fees to a chargeoff account. I have open accounts with Synchrony that I pay on time and I am disgusted with them as well as the companies they hire to settle debt collections.

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 2021-01-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Medical Management, Inc.
State: DE

Complaint narrative:
I've received two notices from Financial Recoveries, acting as a debt collector for XXXX XXXX XXXX XXXX, to 1 ) collect a debt in the amount that is not owed ( Collection notice dated XXXX XXXX, XXXX for {$390.00} on acct. ending XXXX and 2 ) collect a debt that was paid in XXXX ( Collection notice dated XXXX XXXX, XXXX for {$45.00} acct. ending XXXX XXXX From my initial conversation disputing the debts, I was told XXXX XXXX has known issues with its debt tracking system and is sending collection files to its agent even though these customers may not owe debts. Ive provided confirmation codes ( XXXX ) for the {$45.00} payment from XX/XX/XXXX. 

I have been unable to get into contact with XXXX XXXX Billing ( number just dials or they connect ot someone who disconnects the line ) OR XXXX XXXX states they will follow up and to date have not done so. Its been over three weeks. XXXX XXXX should verify this information with Financial Recoveries and stop sending collection files when its unsure of its records. XXXX XXXX has also used other agencies to send collections notices on debts that are already paid. This company is harassing customers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-11 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I Applied for a mortgage Loan Modification thru the mortgage service Bank of America on XX/XX/XXXX I submitted all required documents for assistance as instructed to by Bank of America in a timely fashion. On XX/XX/XXXX I received a letter from BOFA dated XX/XX/XXXX that my file was denied for modification on the letter it stated reason for denial of loan modification it read " The investor of my loan XXXX XXXX has not given BOFA the contractual authority to modify under the BANK OF AMERICA loan modification programs. My understanding this account is owned by XXXX XXXX  and my file should have been reviewed for the XXXX XXXX flex modification not Bank of Americas programs since its XXXX XXXX owned. The letter also allowed me only 14 days to dispute this denial reason, I was under the impression under CFPB guidelines consumers are to have 30 days to appeal the denial. I would like BOFA and XXXX XXXX to review me mortgage assistance under XXXX XXXX Flex modification

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 2021-01-11 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: Credit Control, LLC
State: FL

Complaint narrative:
I have contacted you by mail several times XX/XX/XXXX, XX/XX/XXXX. This is my final attempt to contact you through mail. I received an alert on my credit report that I have accounts that are in collections. I contacted the creditor, credit bureaus and sent a certified copy of a letter to you more than 60 days ago. I have yet to receive a response from any of you. The information that is listed on my credit report is unknown to me and it seems to be inaccurate. Placing misleading and false information on a consumer credit report without no viable evidence of any original documents of contracts with wet signature is a violation. Not being able to provide original contract documents with the consumer signature is a major violation. You are reporting a debt that is not attached to me as the consumer. I am aware of my rights and I will pursue litigation if this matter isnt resolve immediately and removed from all credit bureaus, secondary credit bureaus. I am allowing 3 business days for the removal of the inaccurate accounts. I repeat do not attempt to sell my personal information to any creditor bureau or company. If this appear on my credit report in the future I will be sure to continue my pursuant with litigation. You are the winner, believe that. This is not a threat. You have violated several laws in the FDCPA/ FCRA sections 609, 611, 807, and more I can go on and on. The account numbers are attached in a letter below in the attachments/document section The accounts that are inaccurate misleading and false. 
1. XXXX 2. XXXX 3. 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 2021-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I had a previous checking accounts with Wells Fargo Bank, and the negative balance and debt, on those previous checking accounts was XXXX in bankruptcy court under Chapter XXXX Bankruptcy on XX/XX/XXXX in the United States XXXX XXXX of XXXX  Bankruptcy Court. Wells Fargo Bank informed me that they had adverse and negative bank account information deleted from my XXXX XXXX XXXX XXXX XXXX Consumer Report, and informed me I could open up a checking account as long as I go into a local branch and open up the account and show identification documents. I went into a Wells Fargo Bank Branch on XX/XX/XXXX to open up a checking account. The checking account was opened. On XX/XX/XXXX, I received a phone call from a Wells Fargo Bank Fraud Prevention Specialist informing me that the new checking account ending in XXXX would be closed in 10 business days due to me being a security risk to Wells Fargo Bank because of previous checking accounts I had with Wells Fargo Bank and due to filing Chapter XXXX Bankruptcy, even though the debt from those previous checking accounts was XXXX in bankruptcy court, and Wells Fargo Bank told me I could open a checking account. There has been a lot of miscommunication on Wells Fargo Bank part. Wells Fargo Bank is discriminating against me because of previous checking accounts I had with Wells Fargo Bank, that had a negative balance, debt, and was XXXX in bankruptcy court under Chapter XXXX Bankruptcy, Wells Fargo Bank is discriminating against me because of my XXXX, me being XXXX XXXX  ( XXXX ), and just overall denying me credit and an opportunity to reestablish my credit and build a new and strong relationship with the bank. Wells Fargo Bank is in complete violation of the 1974 Equal Credit Opportunity Act ( ECOA )

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 2021-01-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lendmark Financial Services
State: MD

Complaint narrative:
I have take a loan with Lendmark Financial Services, LLC. In XXXX. This company has charged me excessive amounts and fees for interest. They have reported erroneous marks against my credit report repeatedly. They have bad business practices to make the account delinquent by not accepting my payment monthly. They have made harassing telephone calls to me and my employer. The company has three telephone numbers on file for me and one telephone number for my husband. My husband is on the loan but they have never called him not one time. I have visited the company business numerous of time in XXXX the office door was locked. I have downloaded the lendmark app to my cellphone the company has blocked me and the account to access to make payments. They are refusing to accept payments in bad faith to gain additional money from me. The company filed a lawsuit against me in XXXX but they refused to appear in court. The case was fraudulent because they charged my bank card two payments when I was only to make one payment each money as the account was not delinquent. The company has failed to provide account billing statements as I have requested several times by telephone. The company has contacted my employer XXXX about the account. The branch manager XXXX XXXX has repeatedly discussed to me about how the company will continue to destroy my credit and report me as late paying when they refused to accept my payment. Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 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: FL

Complaint narrative:
Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX {$1500.00} ACCT # XXXX Date : XX/XX/XXXX Creditor : PORTFOLIO {$1100.00} ACCT # XXXX Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX {$650.00} ACCT # XXXX Date : XX/XX/XXXX Creditor : XXXX  XXXX XXXX {$130.00} ACCT # XXXX Date : XX/XX/XXXX Creditor : XXXX  XXXX  XXXX  {$120.00} ACCT # XXXX I noticed that you are reporting the referenced account on my credit report, even though I am only an authorized user. This is a violation of the FCRA and I respectfully request that you remove this listing immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I opened an Accelerate Savings account to store funds while shopping for a new home. Upon going to withdraw these funds, Citi refused to transfer them. They cited a $ XXXXmo withdrawal limit - at no point during the opening or funding of the account was I notified of this limit. With this policy in place it would have taken over a year to access the full account balance. I believe this policy was implemented in bad faith, to force me to maintain a balance in the account against my wishes. 

Upon discussion with a Citi representative, they told me that the only way to immediately access my funds was to temporarily open a Citi Interest Checking account which would allow me to wire the balance to my primary bank for a {$17.00} fee. This account requires a $ XXXX  minimum balance, and has a $ XXXX  monthly servicing fee. 

After many hours on the phone with Citi representatives and hold times that seem intent on making callers give up, I was able to transfer my funds. I contacted Citi again to close the checking account but was told that because the account was less than 30 days old, they could not close it. Upon opening the account, I was told by the Citi representative that only needed to have it open to complete the wire transfer and could then close it again. The representatives refused to escalate to someone who could and suggested I call back after the account was open for 30 days. Again, it seems that this policy is enacted in bad faith - if the account remains open without the minimum balance, I will be charged account servicing 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 monetary relief
Consumer complaint received 2021-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Good day! 

I received your information through the FTC and also the XXXX  XXXX  XXXX  service authorized by the Federal Government. 

In short, I've been plagued by a series of constant errors by the credit agencies which after researching and jumping around in hoops, is clearly the result of either : A ) Institutional bias against minority groups and denying people access to credit ; or B ) Malpractices internally at these organizations I would like to formally request a review and possible indictment of the leaders of these organizations to ensure that we are not jeopardizing working families and people trying to survive as well as grow the US Economy. 

I have evidence that I would like to submit privately or on a separate channel. 

Thank you and be safe! XXXX bless!

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 2021-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Good day! 

I received your information through the FTC and also the XXXX  XXXX  XXXX  service authorized by the Federal Government. 

In short, I've been plagued by a series of constant errors by the credit agencies which after researching and jumping around in hoops, is clearly the result of either : A ) Institutional bias against minority groups and denying people access to credit ; or B ) Malpractices internally at these organizations I would like to formally request a review and possible indictment of the leaders of these organizations to ensure that we are not jeopardizing working families and people trying to survive as well as grow the US Economy. 

I have evidence that I would like to submit privately or on a separate channel. 

Thank you and be safe! XXXX bless!

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 2021-01-11 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: NY

Complaint narrative:
I'VE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES. IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND INQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY 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 2021-01-11 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: NY

Complaint narrative:
I'VE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES. IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND INQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP
State: UT

Complaint narrative:
On XX/XX/2020 I reported a dispute. 
Dispute claim # : XXXX XXXX : XXXX I got XXXX on XX/XX/2020 from XXXX. 
On XXXX XXXX I got a letter saying they concluded there was an error and they have issued a credit to my card on XXXX XXXX in the amount t of XXXX. Credits are considered permanent and any applicable fees reversed. That deposit was never deposited. I called in they tell me call back in 3 days. Nothing. I do so every 3 days. Finally XX/XX/2020 they escalate it to find out why the money was not deposited but was reported deposited. Still nothing. I call in noone will help me they say there is no dispute department and no update. I can not get any 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 monetary relief
Consumer complaint received 2021-01-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under XXXX XXXX XXXX and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. After reviewing credit report again on XX/XX/XXXX there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has HIPAA authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.

Company response to consumer: Closed with explanation