vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-05 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: Castle Credit Co Holdings, LLC, Chicago, IL Branch
State: NC

Complaint narrative:
I had a water filtration system installed in my home in XXXX. The company financed it through Castle Credit, LLC. and did not furnish me with the terms and conditions of such financing to include filming a lien against my property. When I sold the property, I was made aware of the lien. I believed the lien to be satisfied at the time of the purchase when my property sold in XXXX of XXXX, only to receive a letter later in XXXX stating that the account was going to collections unless I took immediate action. I called and set up a payment plan to get current, paying {$570.00} in XXXX and XXXX of XXXX, then a payment of {$230.00} in XXXX to be caught up and resume my normal monthly payments of {$130.00} thereafter. The company reported to all three credit bureaus that the account was now in collections and remained in collections until I paid it in full XX/XX/XXXX. I contacted the company, XXXXastle Credit, to get this matter fixed to no avail. I disputed it with the credit bureaus and their investigations sided with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Kinum, Inc., Indianapolis, IN Branch
State: IN

Complaint narrative:
REPEATED PHONE CALLS, UP TO 6 TIMES A DAY ON MY CELL PHONE. AFTER A MISSED CALL ON MY CELL PHONE, HE IMMEDIATELY CALLS MY WORK NUMBER. THIS ADDS UP TO 12 TELEPHONE CALLS WITHIN HOURS. 
HE HAS USED FOWL AND THREATENING LANGUAGE WHEN SPEAKING TO ME. 

THE COLLECTION IS FROM MY ELEMENTARY AND MIDDLE SCHOOL CHILDS STUDENT FEES. 

HE USES THREATENING AND BULLYING LANGUAGE WHEN SPEAKING IN REGARDS TO MY CHILDREN. 

DEBT COLLECTION IS CALLED XXXX. 


I HAVE ABSOLUTELY NO PROBLEMS TAKING CARE OF THESE PAYMENTS, AS IT WAS MORE OR LESS, JUST MISSED IN THE MIDST OF THE BUSY LIFE OF A WORKING MOTHER. 

I WOULD APPRECIATE THAT I BE SPOKEN TO RESPECTFULLY AND CALMLY AND I WILL HAPPILY ABLIGE. 

THIS IS NOT MY FIRST EXPERIENCE WITH THIS DEBT COLLECTOR. MY HUSBAND AND I RECEIVED HARRASSING CALLS FROM THIS COMPANY LAST YEAR. IT WAS FOR MY STEPSONS STUDENT FEES FROM THE HIGHSCHOOL. 

WE EXPERIENCED THE SAME THING LAST YEAR. HE CONSTANTLY CALLED MYSELF, MY HUSBAND, AND MY HUSBANDS EMPLOYER. WE ASKED THAT HE STOP CONTACTING HIS EMPLOYER AND HE DID NOT. HE CUSSED AND THREATENED THAT MY HUSBAND WAS GOING TO JAIL. HE THREATENED HIM AND HARRASSED EVEN AFTER WE SPOKE WITH SUPERVISOR. 

THIS WAS ALSO DURING A TIME WHEN MY HUSBAND WAS SICK WITH COVID AND BED RIDDEN. I ASKED THE MAN TO PLEASE STOP CALLING RIGHT NOW BECAUSE HE WAS SICK AND TOLD HIM THAT WE WOULD TAKE CARE OF THIS AT A LATER TIME. HE TOLD ME HE WOULD NOT STOP, HE TOLD ME THAT WE NEEDED TO TAKE CARE OF OUR CHILDREN. EVEN AFTER WE PAID THIS DEBT IN FULL, HE CONTINUED TO CALL HIM. I HAD TO CALL THEM AGAIN AFTERWARDS AND SPEAK TO THE SUPERVISOR AGAIN TO TELL HER TO REMOVE OUR INFORMATION BECAUSE THIS HAS BEEN PAID IN FULL AND HE IS STILL CALLING US TELLING US THAT IT ISNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 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: TX

Complaint narrative:
Ive disputed this item XXXX XXXX several times with the bureaus this item is a charge off and still shows late payments/charge off every month also shows a past due amount as well this is grounds for removal from my report per FCRA guidelines please 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
Consumer complaint received 2021-06-05 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: TX

Complaint narrative:
fcra not mine remove it XXXX This request requires special assistance and can not be processed online. Please contact us at XXXX so we may better assist you with this item. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-06-05 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: NC

Complaint narrative:
I had a water filtration system installed in my home in XXXX. The company financed it through XXXX XXXX, XXXX. and did not furnish me with the terms and conditions of such financing to include filming a lien against my property. When I sold the property, I was made aware of the lien. I believed the lien to be satisfied at the time of the purchase when my property sold in XXXX of XXXX, only to receive a letter later in XXXX stating that the account was going to collections unless I took immediate action. I called and set up a payment plan to get current, paying {$570.00} in XXXX and XXXX of XXXX, then a payment of {$230.00} in XXXX to be caught up and resume my normal monthly payments of {$130.00} thereafter. The company reported to all three credit bureaus that the account was now in collections and remained in collections until I paid it in full XX/XX/XXXX. I contacted the company, XXXX XXXX, to get this matter fixed to no avail. I disputed it with the credit bureaus and their investigations sided with the company.

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 2021-06-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MRS BPO, LLC
State: FL

Complaint narrative:
On XX/XX/2021 i requested MRS Associates to validated an alleged debt they claim that I owe. The debt collector unable to validate the alleged debt. The debt collector violated my rights as a consumer.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 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: NC

Complaint narrative:
Hello I am XXXX XXXX XXXX, age XXXX XXXX NC. and am professionally employed in the XXXX XXXX XXXX XXXX industry for over 30 years and a resident of XXXX for 33 years. I am a homeowner with a mortgage for now 23 with stellar credit since at least XXXX per all 3 Bureaus. I check them often and even pay services to all 3! 

I tell you for very important reasons. On or around XX/XX/XXXX Equifax and them alone dropped my credit score over 101 points overnight ... while the other two went up 30 or so because I paid off a few credit card balances.. I was stunned. It took me over a week to figure out where the issue was hidden and I had to call Equifax. They had reported a deliquent Closed revolving account sent to a XXXX XXXX for a XXXX or XXXX XXXX XXXX of {$1000.00}. Well, I have never lived in XXXX, I called this collections agency thinking this was ID theft ... and they did say no one matched my name and SS #. I filed an online dispute and 30 days it was removed. 

i later found 3 Department of Education Loans In Default taken around XXXX!! I was horrified ... I have not been a student to take any loan with a federal program at that time. I graduated from college in XXXX! I complained to Equifax again on their terrific mistakes and disputed ... finally they removed 2 but not the 3rd!!! see below!! 

I called the number listed and this is a SCAM NUMBER ... it tries to sell you products. 

I have placed a lock and freeze on all 3 Bureau for me..But this is only Equifax and they will not speak to me about this. I need help as to why a scam situation is allowed to do this with Equifax and I pay them with their Premier Plan to monitor!! 

My rights do seem to be violated and my online dispute on the 3rd DOE dispute is more than 30 days! ... Can you please assist me? 

Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX Overview Account Number xxxxxx XXXX Account Status COLLECTION Owner INDIVIDUAL Account Type INSTALLMENT Creditor Classification EDUCATIONAL Loan Type EDUCATION_LOAN Original Creditor Name XXXX XXXX Months Reviewed 54 Activity Designator Terms Frequency SINGLE_PAYMENT_LOAN Term Duration 36 MONTHS Purchased From Sold To Balance and Amounts Balance {$1400.00} Credit Limit High Credit {$1100.00} Available Credit Account Dates Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Date of Last Activity Date of First Delinquency XX/XX/XXXX Comments and Contact CONSUMER DISPUTES REINVESTIGATION IN PROGRESS COLLECTION ACCOUNT For questions regarding this account please contact : US DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
For about a year, Portfolio Recovery Associates were told not to contact me by either my home or cell phone numbers. In fact, I had never used my cell phone number with the original creditor, so PRA should never have used that number to attempt to collect any debt. Also, they now call and leave hangups on my home phone. They call numerous times daily. I want it to stop. XXXX There are too many dates to list, as they have done this numerous times daily for quite some time. )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: DC

Complaint narrative:
Hi! I spoke to Mr. Cooper customer service on Thursday, XX/XX/XXXX and was then on hold to speak with escalations department but I couldn't hold on any longer so had to disconnect. On XX/XX/XXXX Mr. Cooper took out duplicate payments for {$1300.00} from my checking account causing my checking account to be overdraft. So two issues, 1. How would this happen? I have never experienced such an error in my entire adult life, 2. I understood escalations department needs to refund 1 of the 2 duplicate payments along with an explanation so my Bank will credit the overdraft fees, failing which I would request you to pay the overdraft fees of {$39.00}. Kindly reply as soon as possible to resolve this issue. 
I then emailed on XXXX  XX/XX/XXXX using their online portal and received an automated message that someone will call me. It is now 4 business days since Mr. Cooper withdrew funds from my checking account, without my permission, caused my account to overdraft and subsequently impact my credit history. How can such a company be allowed to conduct business, can you kindly take strict action and involve XXXX XXXX as well who owns my mortgage?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 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: CITIBANK, N.A.
State: MT

Complaint narrative:
I have made a total of {$6800.00} in payments since XXXX. The more I pay, the more i seem to owe on my Sears Mastercard. I called the company twice now to complain that it is showing I am credited the payments, but I don't believe the payments are actually being deducted from my statement. When I called today, I was told they would be mailing my statements since XXXX to review if there are any unrecognizable charges, which I had already told them there aren't. The problem is that they are not actually crediting my account - I believe I am making huge payments that someone at that company is stealing. I am transferring the money from my bank account atXX/XX/XXXX. I think during the transaction, the money is not being actually credited to my account. Also, when I try to access my account online, it denies me privileges to my profile and also keeps stating that " new cards are being mailed to you '' - I did not order any new cards. I have the same card, so this sounds like they are stealing my money and payments. 
Please help me. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MT XXXX ( XXXX ) XXXX ( home ) ( XXXX ) XXXX ( work )

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 2021-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: MI

Complaint narrative:
On XX/XX/XXXX, at XXXX XXXX I received a notice on my phone that my chime savings was ready to open again. 
I tried to access my account and could not access the account. I called the customer service phone number for chime. I was told there is an account associated with my phone number. Then was told my account was closed. The recorded message said if I had any questions to email XXXX I emailed support and the reply was automated. Then I got another reply on XX/XX/XXXX that my account was closed due to a deposit agreement with Chime. They sent me a link to read over and I did not violate any agreement. 
XX/XX/XXXX I received an email they needed more documentation on my identity. I sent the supporting documentation. 
I was told that " Unfortunately for security reasons, we are not able to disclose further information on the closing of your account '' XXXX XXXX from the escalations team sent that )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I have been trying to contact Bank of America for some time to discontinue billing me for debts that were not mine or incurred by hardships. The Bank of America moved into location on XXXX  XXXX. My neighbor was foreclosed on by Bank of America. Some of her debts were carried over into my accounts. My account with Bank of America was to have been closed in XXXX. I tried to contact the bank about a nursing home/hospital error my grandmother had incurred. She XXXX away in XXXX. Faulty banking practices contributed to the error. Since this time, I was also robbed at a XXXX. Thus, the Bank of America accounts stayed in my credit record. I would ask that the Bank of America immediately remove any debts from under my name in the credit record and notify all three credit bureaus that any debts were being removed and cleared from my name. 
It would be great to receive {$500.00} at least in damages from the Bank of America as they caused suffering to my grandmother and family ; had fraudlent accounts under my name.

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 2021-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/21 around XXXX XXXX, I used the atm on XXXX XXXX at the Chase branch located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I was depositing 2 checks, both from XXXX XXXX, in the amounts of ~ {$450.00} and another ~ {$11000.00}, I dont have the exact figures on hand. The branch is closed and have attempted to call Chase. I spoke to one representative who was unable to assist and transferred me to another queue and they dropped the call. I have a left a voicemail for the branch as well but no resolution or steps to resolve this issue has been offered yet. I dont know whats happening and trying to call Chase requires an hour wait.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
Midland credit management sent me letters of alleged debt through their lawyers XX/XX/XXXX. I disputed the debt and it was erased from my credit report. I also ask for fraud alert to be placed on my account with the three major credit bureaus. XX/XX/XXXX I had a summons taped to my door by a process server, Midland credit pursuing me for the same debt that is not mine and was deleted from my credit report. I responded to summons that is currently litigating it in court. XX/XX/XXXX I obtain my credit report from XXXX, XXXX  and XXXX. On XXXX  and XXXX  Midland credit had been reporting the debt and reporting different amounts than they are currently suing me for and the account numbers are different than account numbers that I'm also currently being sued for. All of the bank statements had numerous different addresses which I never reside and I constantly dispute through this whole case that this is not my debt, I do not owe it and that I am not the owner of the debt. Also, midland credit did not put in comment section of report that I disputed the debt until I serve them with a motion to dismiss XX/XX/XXXX and one of the bases was that they reported false and inaccurate information to the credit bureaus. XX/XX/XXXX I get an alert from XXXX  that my credit report has been updated. Midland collection agency finally updated to show that I disputed the debt but had not reported for at least 2 years. Midland credit not reporting that obviously has had an effect on my credit score and report profile. My credit score went up 25 points just from them adding that comment alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/2021 : My wallet was stolen out of my car. The card was used to make a fraudulent purchase in the amount of {$1200.00}. I notified the company via response to text message fraud alerts within 44 minutes that this was a fraudulent charge. The company claims the charge is valid and continues to apply this charge to my charge card balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX CAPITAL ONE denied me credit. On XX/XX/XXXX CAPITAL ONE stated the reason for their decision was : Based on your application information, application submitted is incomplete or can not be verified. On XX/XX/XXXX CAPITAL ONE stated the reason why they couldnt match me with an offer because : income is insufficient for amount of credit requested. Credit is a right, not a privilege. Pursuant to 15 USC 1602 ( g ) and 15 USC 1635, I have a right to extend and rescind credit. Also, pursuant to 15 USC 1691-Scope of Prohibition ( a ) Activities constituting discrimination : it shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ( 1 ) on the basis of race, color, religion, national origin, sex or marital status, or age ( 2 ) because all or part of the applicants income derives from any public assistance program ; or ( 3 ) because the applicant has in good faith exercised any right under this chapter. If I exercise ANY RIGHT, CAPITAL ONE is not allowed to deny me for credit. Credit means the right granted. Pursuant to 15 USC 1602 -Definitions and rules of construction CAPITAL ONE has to be granted permission from the ORIGINAL creditor ( which is me- the original creditor, natural person, organization, consumer, creditor, and person ). On XX/XX/XXXX CAPITAL ONE left an inquiry on my consumer reports. That is a violation of the FCRA. I did not give CAPITAL ONE permission to check my consumer reports nor did I initiate any transaction with CAPITAL ONE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 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: PA

Complaint narrative:
I have contacted experian multiple times and no proof of method of investigation. XXXX and XXXX  deleted the XXXX XXXX because they found they information was wrong and incorrect.

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 2021-06-05 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:
XX/XX/2021 XXXX : Equifax credit reporting error XXXX account # XXXX On XX/XX/2021, I filed a dispute with Equifax for an inaccurate debt status on my credit report ( Confirmation # XXXX ). I provided them with a letter from the creditor XXXX XXXX XXXX, dated XX/XX/2021, that my account had been paid with no balance owed. ( See attached copy. ) Today, I received a response that they had confirmed the information was correct and left the account as a charge-off with an outstanding balance of {$21000.00}, which is factually incorrect and having a negative impact on my overall credit profile and score. 

Having received proof that an account was paid in full should be all that is required to update my account. Since they have not done that and do not seem to have a process to appeal their decision, I am forced to request outside assistance from the CFPB. 

To resolve this situation, my account needs to be updated to correctly show it has been paid in full and that there is a {$0.00} balance due. Shy of that, I am requesting the account be deleted from my credit profile and not allowed to be posted again. Clearly, Equifax has ignored factual proof that a debt was paid, and it has had a negative impact on a consumer.

Company response to consumer: Closed with explanation