vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I closed this account on XXXX XXXX as this bank gave my Daughter a card on my account in XXXX but in XXXX they refused to add my wife to the account the whole bill owed is my daughters debt none of it is mine XXXX XXXX I made a payment to catch account up of XXXX this paid it up thru XX/XX/XXXX these is were the fun begins see on XX/XX/XXXX my credit report should balance of XXXX then I get a statement dated XX/XX/XXXX showing previous balance XXXX and new balance XXXX then on my credit report dated XX/XX/XXXX it shows XXXX balance then when I called the bank it says balance XXXX payment due XXXX the statement claims payment due is XXXX funny thing is I paid the payment on XX/XX/XXXX due XX/XX/XXXX of XXXX they never process the payment tell XX/XX/XXXX, they also report that last week on my daughter credit report balance was XXXX then this week it shows XXXX yet they claim they don't report this info on my daughters report this came from their executive office until this bank can explain all these why payments were made not processed why the five different balances for XX/XX/XXXX I will not pay any more payments to this bill as a disabled Veteran they are trying to make pay money I do not owe them as I stated this bill is 100 % my Daughters who they gave a card to this bank and the people that work their are full of XXXX last person I spoke to on XX/XX/XXXX she keep saying let 's keep this professional when I ask question my daughter and my wife were both listening this is what they do refuse to answer questions when asked about all the above. and please note Balances went up XXXX XX/XX/XXXX thru XXXX XX/XX/XXXX XXXX then from XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX up XXXX then from XXXX XX/XX/XXXX thru XX/XX/XXXX it went up XXXX why the big difference then on XXXX XX/XX/XXXX I made the XXXX payment which yes my daughter now owes us but from XXXX XXXXThru XXXX XX/XX/XXXX it went down XXXX from XXXX to XXXX so this bill went up XXXX in XX/XX/XXXX when account is closed and payment was made even with everything how did this account go up XXXX after payment was made from XXXX to XXXX they refuse to explain this issue that's why I'm claiming their trying to rep me off of fees and money I do not owe even though the whole bill owed is not mine right now I'm paying the bill for my daughter and like I say I'm not paying another penny to this bank period!!!!!

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 2020-04-10 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: FL

Complaint narrative:
I believe my information has been compromised and obtained illegally and used for purposes which I have just recently realized when my girlfriend checked my credit for me. They show XXXX XXXX and XXXX XXXX  none of which I recognize.

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 2020-04-10 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:
I believe my information has been compromised and obtained illegally and used for purposes which I have just recently realized when my girlfriend checked my credit for me. They show XXXX XXXX  and XXXX XXXX  none of which I recognize.

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 2020-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Synovus Bank
State: OH

Complaint narrative:
FIRST PROGRESS CARD opened : XX/XX/2016 ( 3 yrs, 8 mos ) Please note : all the accounts have been closed and reported as collections. 

The debt collector is FIRST PROGRESS CARD, XXXX XXXX XXXX XXXX XXXX Original creditor FIRST PROGRESS CARD Original creditor I got a card that had a limit of {$200.00}, they charged me {$2.00} which put it over the limit of {$200.00}. 
Over the 2 years i have had it has stay een though it is under the credit and is on all my reports. 

Open balance This account has been on my credit for years even it is under my cratit file, i have had it removed many times, buy they keep putting it back on. 


{$180.00} which includes the limit fee which started all this. 
in my opinion it should be no where near {$180.00} since i did not go over the {$200.00} card limit. 
Thank you for your time and stay safe.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
I received a letter from Calvary SPV I, LLC stating that it was an attempt to collect on a debt and if I didn't notify them in 30 days there office will assume that the debt is valid. I never received products nor services from Calvary SPV I, LLC. I sent Calvary SPV 1, LLC a dispute letter and in that same letter I also asked for them to send me an Insturment of Indebtedness which they have yet to produce, but yet try to collect on a debt in which I have no knowledge of with Calvary SPVI, LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NY

Complaint narrative:
Loancare, a XXXX  Company. NMLS # XXXX is my Mortgage company i had found out that my PMI was only supposed to be for 2 years or until my mortgage amount drops to 80 % Loan to Property value. I tried to contact that and give them letters in writing since XXXX XXXX until XX/XX/2019. They denied my request every time saying that i have to pay PMI for 11 years. It sounds improper or ILLEGAL to me. I am being charged XXXX $ for PMI per month which is very high and ridiculous. 

PLEASE HELP ME- I am STRUGGLING!!

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 2020-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: De Lage Landen Finance, LLC
State: TX

Complaint narrative:
My parents and I received a call today about an alleged debt. XXXX from XXXX XXXX XXXX called and left a message on my parents answering machine that I owed {$25000.00} on a tractor and that I was behind 7 months on payments. I have the conversation recorded on my phone of my father calling me and telling me this. I have already spoken to the debtor regarding this claim some time ago. I was under the impression that disclosing personal information about a debt, other than to the debtor, was illegal. They also sent 2 guys to my house today who threatened to charge me with a state jail felony after I offered them to look around my property for the tractor they claim I owe on. The repo companies truck had no visible markings either to identify the company which also is not in compliance with state and federal regulations. I have video from my vehicles dash cam to back this up as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 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:
Unfortunately I have been a victim of identity fraud and my information was used to get some type of medical service or procedure. I have a company calling me from XXXX and they are very rude and don't provide me with much information. I have requested to have them validate my debt and they have failed several times to do so. Please help get them to comply with the fair credit reporting act and identity theft protection. My credit has taken a huge hit because of this and it is flat out not fair to me and my family.

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 2020-04-10 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$14000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XXXX  XXXX, XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my 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 2020-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Paid for yearly subscription to Equifax, have disputed information as missing or inaccurate multiple times reference CFPB Case number XXXX, CFPB Case number XXXX, Reference CFPB Case XXXX. Tradeline being " XXXX '' is being suppressed on my credit report resulting in my credit worthiness and score to be lower. It's damaging and inaccurate. Missing information / account should be appearing on my personal credit report. Documents attached below state the lender " XXXX '' has reported this information to Equifax on XX/XX/2020. Still does not appear on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Capio Partners, LLC
State: GA

Complaint narrative:
The company, Asset Care has illegally reported and demand debt collection for different amounts of debt they have not legally informed or verified with me. I've sent certified debt validation letters on XX/XX/2020 for the company to send specific requested documents within 30 days of the date on the letters. I also advised the company that failure to do so within 30 days or failure to mail all requested documents will legally force them to remove those debts from my credit report at once. The company has failed to respond and has not provided validation as of today XX/XX/2020.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Dear Sir or Madam : This letter serves as my formal complaint against the abusive debt collection practices of Midland Funding LLC - XXXX XXXX XXXX XXXX, XXXX XXXX - XXXX, NC XXXX - XXXX. 

Three months ago, Midland Funding LLC began the following abusive practices in violation of the Fair Debt Collection Practices Act : Refusing to validate said debt via the FCRA ( 30+ days. No Response ) ( 2 ) Illegally placing said collection on my personal credit report ( with the 3 MAJOR credit bureaus ) ( 3 ) Sending me documents claiming that I owe {$1700.00} when I actually owe {$0.00}.

( 4 ) Illegal collecting debts in the State of North Carolina w/o a license

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-10 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$14000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/2020 enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my 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 2020-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: NV

Complaint narrative:
I lost about {$800.00} dollars from cashapp. I trusted this website to make and keep family and friends payment secure and safe but they decided to close my account and take all my money in it rather than contacting me about the issue and trying to get it resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 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: FL

Complaint narrative:
Unfortunately I have been a victim of identity fraud and my information was used to get some type of medical service or procedure. I have a company calling me from XXXX and they are very rude and don't provide me with much information. I have requested to have them validate my debt and they have failed several times to do so. Please help get them to comply with the fair credit reporting act and identity theft protection. My credit has taken a huge hit because of this and it is flat out not fair to me and my family.

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 2020-04-10 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: FL

Complaint narrative:
Unfortunately I have been a victim of identity fraud and my information was used to get some type of medical service or procedure. I have a company calling me from XXXX and they are very rude and don't provide me with much information. I have requested to have them validate my debt and they have failed several times to do so. Please help get them to comply with the fair credit reporting act and identity theft protection. My credit has taken a huge hit because of this and it is flat out not fair to me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: ME

Complaint narrative:
Citizens One Bank is not helping there customers who are furloughed due to vivid 19. There forbearance program defers 3 payments and at the time of your 4th payment you must pay the entire sum back. They are not offering a deference to The back of your loan like many other reputable banks. The whole point of the care act is to help consumers, this is not help in fact it will set up foreclosure for many.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Aspen National Financial, Inc.
State: GA

Complaint narrative:
I paid for the timeshare in full with a check dated XX/XX/XXXX for the amount of $ XXXX and was told that the maintenance fees would average around $ XXXX {$400.00} at the time of signing the mortgage. The company sent me invoices for varying amounts between {$87.00} and {$1200.00} after it was paid in full. I made a payment and contacted the XXXX XXXX XXXX that handled the account to inquire what the differing charges pertained to and got no clarification. The customer service representative I spoke with over the phone restated the lines on the invoice ; no one could explain what the charges were for and it is not disclosed on the contract. I paid the mortgage off earlier than I requested and XXXX ( XXXX XXXX XXXX ) the timeshare exchange provider also charged me to " renew '' exchange privileges to use another resort. My payment of {$9200.00} included purchase of two bedroom timeshare and exchange fees until the date of XX/XX/XXXX but the company reported my account to a collection agency and my credit for the unexplained {$1200.00}. I have contacted Florida Attorney General Consumer Protection, XXXX XXXX at ( XXXX ) XXXX. The office informed me they were investigating under FL Statute Chapter 501, Part II, known as Florida 's Unfair and Deceptive Trade Practices Act on a letter date XX/XX/XXXX. I am a XXXX veteran and I would like to re-enter the workforce ; actually it is necessary but I wish to have this removed from my credit and all of my money returned. It is a great hardship to wait for a class action suit that the state may or may not have enough complaints to proceed with in the future. I wanted to keep the timeshare, but they refused to explain the excessive amount despite my patient requests and them reporting to credit bureaus negatively impacts my already limited employment options due to my service-connected XXXX. I signed the mortgage XX/XX/XXXX for 5 years but paid it in-full XX/XX/XXXX and they never reported anything good. They also stated my maintenance fees would average around the cash settlement fees in the contract once I finished the mortgage. I am a Georgia resident and a XXXX XXXX XXXX isn't worth {$1200.00} annual payments. I never would have purchased this if it was clearly represented in the contract and not misinformed by their representatives.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC
State: MI

Complaint narrative:
There is a medical collection against me for {$0.00} dollars and it went into the credit bureu and it had a negative impacted my credit. i tried Fixing it with a dispute but its still there and the debt has been payed so I dont know why it even went into collections

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I received a mail XX/XX/20, said the bank decided to end their relationship with me and closed all my accounts include checking and credit cards. They didn't give me any reason why they did that. I called the customer service, waited 2 hours they still said there is no reason and they can't do anything for it. I always pay my bill on time, never have late payments, never do anything risk. I am really confused why they do that, Chase really hurts the customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 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: CO

Complaint narrative:
Both Equifax and XXXX  are reporting an account on my credit incorrectly. I have contacted the company from which I had the account ( XXXX XXXX XXXX Credit Card ) to have it corrected. The company sent me all of the documentation from my account. I disputed the reported information with both agencies twice in writing via certified mail by submitting the documentation from the creditor to have it fixed. All disputes were closed without the correct information added to my report. Both agencies actually did change the information making it worse and are now reporting it in a manner that is hurting my credit score even more. I am trying to purchase a home and this is hurting my score which could impede my ability to buy or cost me more money on my loan.

Company response to consumer: Closed with explanation