vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-23 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: AZ

Complaint narrative:
The class action multi state settlement includes my loan repossession I have called XXXX XXXX  attorney generals office for both the state I reside and sate I resided at the time. The settlement administrator I get ran through circles and told I just have to wait no timeline given. Currently trying to obtain a mortgage and this is XXXX on my credit. I have been trying to get a resolution for weeks and its so frustrating and disheartening. You try to clean up your credit for going on 3 years now but they dont want you to win you will be charged less money if you get back to where you once was.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 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: AZ

Complaint narrative:
The class action multi state settlement includes my loan repossession I have called XXXX XXXX attorney generals office for both the state I reside and sate I resided at the time. The settlement administrator I get ran through circles and told I just have to wait no timeline given. Currently trying to obtain a mortgage and this is XXXX on my credit. I have been trying to get a resolution for weeks and its so frustrating and disheartening. You try to clean up your credit for going on 3 years now but they dont want you to win you will be charged less money if you get back to where you once was.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 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: FL

Complaint narrative:
Dear Experian/XXXX XXXX  XXXX listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

See Attachment accounts :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Saks Credit Card thru Capital One, continues to abuse the account through incorrect fees and poor customer service. 
Refusal to allow settlement on account that was offered by company, continuing to play games and make account accrue additional interest and fees, due to poor account handling. 
Account is being handled in a bias and discriminatory manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: TCF NATIONAL BANK
State: MI

Complaint narrative:
On XX/XX/XXXX, I went to check on my TCF savings account and found that my online login no longer worked. I called customer support and they have no record of my account. 

I went to the branch, who also had no record of the account associated to my name. After finding the account number from an old paper statement, the branch was able to locate the account as 'closed '. The documentation ( attached ) showed it was moved to a dormant account status in XX/XX/XXXX and then drained month after month until the balance reached XXXX. This was handed over only after the 3rd trip to the branch and 3 phone calls.

All of these was done without any notification ( email, mail, or phone ). TCF claims their policy is to call multiple times and send notifications through the mail. None of this occurred. I have requested copies of these notifications and have not received anything after 1 month. I was coerced into getting paperless statements and the last statement I had received was prior to any account deductions. 

The account had {$120.00} and I am seeking to get those funds returned to me. A banking institution can not be allowed to silently and secretly steal money from its clients. The bank seemingly hid statements and communications while they siphoned money from the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 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: Southwest Recovery Services, Inc.
State: TX

Complaint narrative:
I mailed in an item to XXXX  and they recorded the delivery by entering the information into their system with my name misspelled. They did not investigate the matter or abide by the FCRA regulations and provide a response within 30 days. I have called them about this and they claim that they investigated the matter but they never mailed me anything to prove this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 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: NV

Complaint narrative:
I received a copy of my credit report after getting a call from a creditor I have never done business with before. After getting my reports from all three bureaus I realized there was multiple accounts and personal info on my report that do no belong to me. I filed a police report and an identity theft report and I also disputed it with all credit bureaus. They have not been removed still.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 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: NV

Complaint narrative:
I received a copy of my credit report after getting a call from a creditor I have never done business with before. After getting my reports from all three bureaus I realized there was multiple accounts and personal info on my report that do no belong to me. I filed a police report and an identity theft report and I also disputed it with all credit bureaus. They have not been removed still.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Ive disputed the same account multiple times but to not avail. I disputed an account on XX/XX/2020 with Portfolio Recovery Associates LLC. 
and never received any follow-up communication from the company to validate or further the investigation on my request. 

I called them yesterday ( XXXX XXXX ) because I settled a debt with the same original credit furnisher ( XXXX XXXX ), not realizing that they were two separate accounts. They told me that the account was still in dispute status for {$900.00} dollars, and is still being reported to The CRAs as accurate information ( as of the XXXX of XXXX ) even though its in dispute status. 

I told the manager that, by law, they are required to make a determination within 30-45 days but is has been reported ( since XX/XX/XXXX ) that the credit is accurate. They didnt do their due diligence and refuse to take any further actions. The lady even stated that they had 90 days to make a decision and they were giving me more time due to the pandemic, which is not upholding the law, but also not a circumstance I asked them to make.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 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: NV

Complaint narrative:
I receive a copy of my credit report after both my husband and I received a call from a bill collector that we were not affiliated with. Upon further research we both seen that there was a lot of accounts and other personal info on our reports that neither one of us authorized or belong to us. I filed a police report, an identity theft report, and disputed with all three major bureaus. They still have not been removed and its been months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
My HEL account has been closed for year but Bank Of America never filed a Satisfaction of Mortgage. Ive been calling and calling and now Im having a problem closing on my house.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I have a total of XXXX accounts that were purchased by XXXX XXXX : 1 ) XXXX XXXX with a balance of {$3500.00}, 2 ) XXXX XXXX with a balance of {$3500.00}, 3 ) Synchrony Bank/Care Credit with a balance of {$1200.00} and 4 ) XXXX XXXX BXXXX  with a balance of {$2000.00}. Unfortunately, I defaulted in all these credit cards due to a hardship and ended with them, all accounts are in a legal status, so this company is about to suit me. 
I am doing my best to prevent a big lawsuit from this debt buyer and later pay more money in interest and legal costs. I decided to work 2 of these accounts XXXX XXXX XXXX and XXXX Bank XXXX XXXX to show this debt byer I have good faith intention to resolve my debt and to alter work on another XXXX. 
My representative ( who called on my behalf ) contacted this company and after several attempts he got an offer for 60 % settlement for the XXXX XXXX and XXXX Bank XXXX accounts, thing that is great for me. The only issue is that the debt collector is asking for a single payment and I am not in the position to pay this settlement in a lump-sum, thing that is sad because if I dont pay this, and since the accounts are placed in a legal department, I will get suit and due to interest and court fees the balance will increase. 
I am just asking for help to split this offer in payments, I am getting the money form a family loan but since XXXX pandemic started is hard to put together $ XXXX together and no one in my family have that money. But I already made the arrangements, and I can afford payments of {$800.00} per month. Even we can work all for in once.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: TX

Complaint narrative:
I had a XXXX phone and my service was spotty. I had dropped calls everyday. So, I went to the XXXX Store in XXXX XXXX, TX to see if I could get out of my contract. I was directed to call XXXX headquarters at the store. I was on hold for 18 minutes and they disconnected me. I compalined to the store manager and he said he would close out my account which he did. XXXX never sent me any bills to close out my account until I got a collections notice from XXXX XXXX XXXX. I never got written notice of my debt from XXXX. The store manager turned off our account and did not give me any information or charges for cancelling my account. This is unethical and bad business practice. I dispute all these charges as invalid and want these charges dropped from my account. The store manager at XXXX failed to execute his duty to inform. He just canceled the account and said everything was good. XXXX never notified me of any charges.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 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: NV

Complaint narrative:
I receive a copy of my credit report after both my XXXX  and I received a call from a bill collector that we were not affiliated with. Upon further research we both seen that there was a lot of accounts and other personal info on our reports that neither XXXX of us authorized or belong to us. I filed a police report, an identity theft report, and disputed with all three major bureaus. They still have not been removed and its been months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 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: NV

Complaint narrative:
I receive a copy of my credit report after both my husband and I received a call from a bill collector that we were not affiliated with. Upon further research we both seen that there was a lot of accounts and other personal info on our reports that neither one of us authorized or belong to us. I filed a police report, an identity theft report, and disputed with all three major bureaus. They still have not been removed and its been months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 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: LA

Complaint narrative:
Greetings, I XXXX XXXX XXXX, come with peace regarding Account number : XXXX. This letter is to inform you that I invoke my right to discharge this obligation pursuant to Leviticus 25:10, Psalms 119:160, Isaiah 66:1, United States statutes at Large 96 stat. 1211, Public Law 97-280, 31 USC 463 and 18 USC 8. PORTFOLIO RECOVERY ASSOCIATES, LLC the debtor acting as Debt Collector, is making claim against XXXX XXXX XXXX, ESTATE, the Creditor. PORTFOLIO RECOVERY ASSOCIATES, LLC is in violation of Title 15 USC 1692e. ( 1 ), ( 2 ) ( a ) ( b ), and ( 10 ) NOTICE OF SURETY ACT & BOND No. XXXX XXXX XXXX XXXX XXXX. See Maryland Department of Assessments and Taxation UCC File # XXXX and Instrument No.XXXX Recorded in XXXX County real estate records viewable at XXXX. For the record, as pursuant to Public Law No 10 Ch.48, 48 Stat. 112, 113 ( HJR192 ), all public debt shall be discharged in full Acquittance Discharge Settlement and Closure to include but not limited to all so-called debts PORTFOLIO RECOVERY ASSOCIATES, LLC may potend or intend to demand to enforce, or to compel an individual to some specific performance for an alleged debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-23 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: CL Holdings LLC
State: SC

Complaint narrative:
XXXX for several years have been contacting me only via XXXX mail and i have several, several times contacted them over these years to advise them, that i have never had an account in my life with XXXX. When i have called about this " debt '' in question the typical answer why they can't find me in their system is because the account is old and the records are purged. which is bogus. it's because they have no such account with any documentation from me. XXXX failed to ask XXXX XXXX the collection agency ( XXXX capital ) to provide any solid documents showing me every signing up for an account with them of any kind. Because there are not any. i unfortunately can not provide you with any dates or details as i have none. thank you so much for any assistance you can provide. I really do value my credit rating and this collection account is hurting it tremendously. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Ive disputed the same account multiple times but to not avail. I disputed an account on XX/XX/2020 with XXXX XXXX XXXX XXXX. 
and never received any follow-up communication from the company to validate or further the investigation on my request. 

I called them yesterday XXXX XXXX XXXX ) because I settled a debt with the same original credit furnisher XXXX capital one ), not realizing that they were two separate accounts. They told me that the account was still in dispute status for {$900.00} dollars, and is still being reported to The CRAs as accurate information ( as of the XXXX of XXXX XXXX even though its in dispute status. 

I told the manager that, by law, they are required to make a determination within 30-45 days but is has been reported ( since XXXX, 2020 ) that the credit is accurate. They didnt do their due diligence and refuse to take any further actions. The lady even stated that they had 90 days to make a decision and they were giving me more time due to the pandemic, which is not upholding the law, but also not a circumstance I asked them to make.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 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: MA

Complaint narrative:
Opened a dispute with TransUnion and subsequently mailed supporting documentation that I had autopay on a loan with XXXX XXXX. XXXX XXXX failed to withdraw the amount and reported me as being 30 days delinquent. I then paid off the loan and XXXX XXXX never corrected the issue that I was tagged as being 30 days late that month because of them. TransUnion agreed with XXXX XXXX, contending they didn't receive my documentation. TransUnion refuses to fix my report despite having proof that XXXX XXXX acknowledged autopay was in place. I have contacted XXXX XXXX to resolve this issue and they initially said just to open a dispute with TransUnion. Since XXXX continually reports their mistake as " accurate '', they provided an email address for assistance with the issue. In short, TransUnion takes their word over evidence to the contrary. I opted to partake in the autopay program specifically to avoid such " we didn't receive your check in time '' claims.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
On XX/XX/XXXX I have made a purchase using PalPal for an item ( {$2.00} ). 
However the transaction resulted in a XXXX  cash advance fee charged by my credit card. The bank 's explanation which is plausible stated that the transaction information submitted to them by PP listed the transaction as cash advance and not purchase. 
They also stated that this is a common situation with PP. 
On XX/XX/ I contacted PP and after a long wait I spoke with CSR based in their overseas call center. Unfortunately the CSR was not able to even help me as he didn't understand the concept of cash advance which he admitted PP employees ( or contracted ones ) are not trained in the basic concepts of payment systems. 
When I was transferred to the supervisor after about 15 min wait ( employee number given as XXXX ) he told me that he doesn't have any authority to address the issue except to " escalate '' it. 

In short the PP system is designed to specifically deceive consumers and not to address issues by getting them involved in a long and laborious administrative process to get the issue resolved, in this case {$10.00} This type of fraud is simply unacceptable and it is a fault of the regulator to not able to stamp out this pathology with heavy fines ( per incident ).

Company response to consumer: Closed with explanation