vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Credit bureaus have not responded to my dispute letter within 30 days for the inaccuracies on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have two checking and one savings account with Capital One bank. 

Back in XXXX, Capital One converted their accounts. 

After the conversion I was able to access all three of my backing statements, cleared checks etc. up to XXXX, Now comes XXXX of XXXX and I CAN NOT access any of my statements or cleared checks from XX/XX/XXXX and back. 

Here we are in the tax season and I am attempting to gather statements etc. for my records and support for my XXXX Income Tax Returns, This can not be! 

I requested hard copies of statements from XX/XX/XXXX to XX/XX/XXXX, but that is insufficient, in case my accountant or the IRS needs support. I need, along with other Capital One Customers, access to our statements and other documentation. 

Below is the link to my accounts, just as a FYI. 

https : //verified.capitalone.com/auth/signin In addition, my statements etc. are also unavailable using their APP. 

Thank you in advance for your help, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One purposefully held my account longer than 120 days before it was sold off. They kept my account and reported negatively for THREE YEARS before they charged it off. 

Generally its supposed to be 120 days. By delaying the charge off, they unnecessarily caused more damage to my credit than was necessary. On some level, it feels like it was personal. 

To wait that long, knowing I was fresh out of school. Knowing I was looking for work. Knowing I had difficulties and to pile on with a charge off and then sell the debt 3 years later to extend the damage they, and their business agent XXXX XXXX XXXX could do to my credit history. 

I am never, ever, going to pay 3 times to two different entities regarding the same transaction. 

There is no way this is okay. It feels like a Pre XXXX era attempt to get low income minorities to falter on their debts. A consistent issues with Capital One and other banking institutions. 

I am not going to pay Capital One for that card again. I already have another card. With them. The payment history is immaculate. 

XXXX XXXX XXXX should inspect each debt they acquire. Before committing fraudulent, or at least malicious actions, to ruin my credit and ruin my chance to get the most out of my XXXX XXXX. 

They should be ashamed of themselves for such sneaky and underhanded collection tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XXXX. I am XXXX XXXX in XXXX XX/XX/XXXX. I applied for your card. Unfortunately to this day I have not received any answer from you. On XX/XX/XXXX. I applied again. And again I did not receive any answer from you. This is despite the fact that in both requests you sent me. An email we will let you know soon. So kind of deserve your word. Towards the citizens. Therefore, please send me your answer in both cases. Sincerely, XXXX XXXX. XX/XX/XXXX To the address that I used for this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Credit bureaus have not responded to my letter within 30 days in regards to inaccuracies on my credit report

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 2021-01-21 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: PA

Complaint narrative:
Received a response from Transunion on XX/XX/XXXX, in response to a dispute about credit report. Specifically, account XXXX XXXX XXXX, Account Number : XXXX. This account does not show payment history from XX/XX/XXXX through XX/XX/XXXX. Transunion has a sent me a status of verified but my payment history doesn't show. 

By law under the FCRA 611 ( a ) ( 6 ) ( B ( iii ) FCRA 611 ( 15 U.S.C. 1681I ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. Transunion has denied my legal right to request how Transunion verified the accuracy of this account.

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 2021-01-21 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: OH

Complaint narrative:
I am filing this complaint because the bureaus have ignored my request to provide me with the documents that their company has on file that was used to verify my accounts that I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under section 611 ( 5 ) ( A ) of the FCRA - they are required to promptly " delete all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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: FIRST HERITAGE CREDIT LLC
State: LA

Complaint narrative:
Information has been disputed and asked companies to provide original contract for services rendered.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
Information has been disputed and asked companies to provide original contract for services rendered.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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: TX

Complaint narrative:
Experian, XXXX, and XXXX  are not properly investigating my claims. I have been saying for years XXXX XXXX and XXXX XXXX were using illegal tactics to recover on a debt. 

XXXX  XXXX, held the debt longer than necessary. They held a debt for 3 years. 3 years when they could have sent it after 120 days. 

Instead of 3 months, they waited 3 years to maximize the amount of damage they could do. XXXX is a willing participant because they acquire POCKETS/PACKAGES of debt in bulk without doing research on each individual account. 

It is absolutely unfair and ridiculous that they were willing to go hand in hand with borderline fraudulent or at least malicious activity. Stop it. Youre better than that.

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 2021-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: AK

Complaint narrative:
On the XXXX of XXXX, XXXX thru my WellsFargo account, I've transferred money in the amount of XXXX. XXXX ( {$100.00} including the transfer fee ) to my son 's XXXX Account in the XXXX. Unfortunately, the money didn't go thru to his bank account for the reason that his bdo account was already closed due to maintaining balance was not maintained.

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 2021-01-21 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 — Problem with personal statement of dispute
Company: UMPQUA HOLDINGS CORPORATION
State: CA

Complaint narrative:
I stared my mortgage forbearance payments on XXXX, i tried reaching out to my mortgage company to resume payments, which ever i wasnt able to this was on early XXXX, as I seen the interest rate drop i had a refinance team look in to my mortgage account and said i was able to refinance, all processed 1 week before closing my refinance my mortgage decided to take me off the payment forbearance plan and report to my loan as 180 days late, that dropped my credit score over 160 points, my refinance team advance me to try and work with my mortgage company which i did and their reasons for all this is that they tried getting contact me and where not able to, i asked if tha could work with me and removed me from being delinquent but they are not willing to work with me, i even asked if i pay the amount you reported me late which is XXXX something and the representative said there was no way i would have to pay the whole amount of XXXX. I dont understand why are they being so difficult, i have until the end of this month if im not able to get my mortgage loan to remove or work with me on this issue i wont be able to refinance nor pay my past due.

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 2021-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Fidelity National Information Services, Inc. (FNIS)
State: CO

Complaint narrative:
Under the Fair Debt Collection Practices Act, debt collectors are required to identify themselves in any communication with a debtor. Complete Payment Recovery Services called me on XX/XX/2021 without stating who they were, their company name, and what their purpose 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 2021-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Under FCRA my rights are being violated by the bureau. I initiated a dispute on XX/XX/XXXX and no results were yielded. I placed a complaint with CFPB 60 days from the initial letter on XX/XX/XXXX. The bureau was given 60 days to verify this inaccurate information already. This is a violation of my rights to extend any more days to verify inaccurate information. The bureau needs to delete this inaccurate information immediately. I have attached the company 's response to my complaint, my license, the dispute letter and bank statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: LJ Ross Associates
State: MD

Complaint narrative:
Account Details Last Reported XX/XX/XXXX Collection Agency LJ ROSS Original Creditor XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$620.00} High Balance {$620.00} Remarks Placed for collection Creditor Contact Details No contact information has been reported by this creditor. 
This is on my report with no further info as to debt or debtor

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
XXXX, XXXX, and XXXX are not properly investigating my claims. I have been saying for years XXXX XXXX and Portfolio Recovery were using illegal tactics to recover on a debt. 

XXXX XXXX, held the debt longer than necessary. They held a debt for 3 years. 3 years when they could have sent it after 120 days. 

Instead of 3 months, they waited 3 years to maximize the amount of damage they could do. Portfolio is a willing participant because they acquire POCKETS/PACKAGES of debt in bulk without doing research on each individual account. 

It is absolutely unfair and ridiculous that they were willing to go hand in hand with borderline fraudulent or at least malicious activity. Stop it. Youre better than that.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
On XX/XX/2020 i sent letters to XXXX, Transunion and XXXX to remove unauthorized accounts on my credit report that has been hurting my ability to move forward with my life. No investigation as been started to this day. 

1=Collection Bureau 2=XXXX XXXX XXXX 3=XXXX 3=XXXX XXXX XXXX It been over 30 days and now response form any of the credit bureaus on this matter. I need some kind of investigation done. Due to the Fair Reporting Credit Act if any investigation is not completed in 30 day but the credit bureaus all accounts in question must be deleted from that person report immediately.

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 2021-01-21 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: DE

Complaint narrative:
My identity was stolen and I dispute the inquiries over the pass two years and they are still on my report along with new items within the last 6 months. I have done my part reporting to the police and still I have not seen process. 

The inquires are listed below XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CO

Complaint narrative:
After my mortgage was changed to a new servicer, NewRez ( also Shellpoint Mortgage ) the new servicer raised their fees to an excessive degree. While certain fees went from {$0.00} to {$100.00}, others went from {$0.00} to {$2000.00} and in the most extreme case a fee went from {$30.00} to {$35000.00}. As someone who never chose to do business with this company, these fee changes are a way to hold customers hostage, especially as some that were XXXX, are now required when paying off your loan as are other activities related to refinance and ending your relationship with this loan servicer.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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: PA

Complaint narrative:
To Whom it may concern Under 15 U.S. Code 168b- Permissable purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

XXXX XXXX XXXX never gave EQUIFAX any written consent to report anything on my consumer report. No consent is Identity Theft. A copy of this law is attached with this dispute correspondence. This firm continues to break public statutes with the blatant disregard for the confines of the law. 

Concerning the account listed below as a consumer I am demanding a deletion of this account. 

XXXX XXXX XXXX XXXX XXXX ACCT : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: PNC Bank N.A.
State: DE

Complaint narrative:
I purchased 2 sets of 3-piece luggage from XXXX for a total of {$410.00} ( {$200.00} each ). One was delivered on XX/XX/2020, the other was never delivered. The XXXX tracking information for the missing item confirms that it was never delivered. I contacted XXXX on XX/XX/2020 and they refused to provide any assistance. I attempted to resolve with XXXX on XX/XX/2020 and they refused to assist. So I filed my dispute with PNC Bank against the charge to my debit card. I filed it on XX/XX/2020 through their online banking submission form. I provided them with the dates and tracking information confirming that the merchandise was not received. Their online system did not allow me to select the partial amount of {$200.00} so the claim was submitted for the full amount of {$410.00} and I included an explanation in the body of the form that I was only disputing {$200.00}. I received a credit for {$410.00} to my account several days later. Two weeks after that, I received a letter in the mail asking for all the same information I already provided. This letter also stated very clearly that if I did not fill it out and return it, they would use the information I have already provided. Having already provided every detail they could need, I did not return the letter. As a result, my claim was denied and my account was charged the {$410.00} again. When I contacted PNC to re-open the claim, they advised they would re-send the letter and to fill it out and return it. I received no repeat letter. Instead, 30 days after I reactivated my dispute, I received another letter denying my claim. When I called and escalated the dispute to a manager, the only explanation I was provided was that because I did not sign and return the letter, they closed my claim. Even when I explained that their own letter included the statement that they would use the information I already provided, the " manager '' simply repeated himself over and over. It was at that time I realized they would be no help in protecting me and my financial interests. So I informed them at that time I would be filing a complaint with the CFPB and that I wanted it on record that I was filing said complaint because of the misinformation they provided on their own paperwork. I am aware of the requirements for a valid Visa dispute code XXXX for non-receipt of merchandise. I contacted my bank well within the required timeframes and provided them with all of the required information to file a valid dispute against XXXX and pursue a chargeback against which the merchant had no valid argument. I believe that the only reason PNC did not pursue my claim is that they did not take action promptly enough to be able to file the claim within the dispute timeframes to recover the funds from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AFNI INC.
State: FL

Complaint narrative:
A collection debt is reported on my credit report. This is not my account. I didnt receive any information about this debt. This debt has been reported to my credit report. I would like this debt removed ASAP because it is not mine. I have never done business with this company and I dont where or what this debt is about. I havent given my personal information to this company or any other company.

Company response to consumer: Closed with explanation