vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-27 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: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
Portfolio Recovery is reporting an incorrect, inaccurate debt on my XXXX Credit Report and other credit reporting agencies. 
Portfolio has re-aged the debt they say I owe to them. 
I have never had any agreements or done any business with Portfolio Recovery. 
This company has not validated their relationship with me in connection to the debt they say I owe. 
When asked, Portfolio Recovery has not provided any written contracts providing them permission or right to collect a debt from me. 
I have contacted this creditor and requested validation of this information. 
They can not or refused to show me the date of first delinquency associated with this account. They have not provided any information on how they calculated amounts they say I owe to this date. 
They are reporting this account as open and active with late and past due payment due each month. 
I have contacted XXXX and reported this debt as invalid. XXXX responds that debt is verified with no underlined proof of how they verified this debt. 
Both Portfolio and XXXX refuse to delete the inaccurate and incomplete information. 
I have been disputing this for months with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I applied to refinance my current mortgage with TD Bank. I was not able to complete the process as the Appraiser for the bank under valued /depreciated my CO-OP unit. 
I believe that it was discriminatory and deliberately done. I spent a lot of time and effort trying to get this done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27 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: Persolve, LLC - Legal - Series 2
State: FL

Complaint narrative:
I have tried to reach out to Persolve Legal Group several times requesting them to provide me with an interest disclosure and a break down of how the interest is being accumulated on my credit report after several requests they refuse to disclose this information so I am under the suspicion that they may be charging more interest than legally allowed based on the contract they purchased from XXXX. 

I have requested this information XX/XX/2021, XX/XX/2021, and XX/XX/2021. 

The balances reported on my credit report are also reporting inaccurately which I have contested several times without response. I have seen a change in balance since I settled with Persolve legal group in court however the balance reflected is still reporting inaccurately whenever I contact this company by phone the representatives hang up on my immediately when I ask for a detailed billing history.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27 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: CURO Intermediate Holdings
State: WI

Complaint narrative:
I have been disputing an item with speedy cash for the last 6 months and I was getting nowhere. It ruined my credit, reputation and ability to get any credit for my personal use and for my small business I had just started. Speedy Cash denied and refused to budge, the credit bureau and even you guys refused to listen or help. Now, I have the written agreement and they are now fixing the issue by stating the correct information on my credit reports. 
However, that is still not fair to me and that is not the end of the matter. I have been tremendously affected by this and still can not get any credit to save my life. My credit score is XXXX, i have a 100 % payment history. I am not getting turned away due to too many inquiries. My family is going to drowned in debt and end up XXXX XXXXXXXX XXXX soon if I am not able to secure some sort of funding to get capital for my business OR a loan for a vehicle to get a job! Yet nobody seems to understand or care about that. 
I live in a small town with no public transportation at all, no XXXX no nothing. I have done nothing wrong and everything to prove my credit worthiness but untill speedy cash goes back and tells everyone that I cant get any help. 

I am begging for somone to take a look at this. I need help. And if im the one in the wrong then please tell me so i can understand why and then leave it alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA
State: AR

Complaint narrative:
The Apple Card has two sorely lacking areas : 1 ) dispute transparency during the investigation ; 2 ) unclear terms on paying off installment plans early. 
1 ) if you open a dispute there is no where on the web on within the wallet card info, to see that you opened the dispute, the pending amount, the status or the estimate resolution time. They do make a single notation on the original transaction, but as time goes, it's hard to get to if over 30 days old. The temporary credit can't be found anywhere. You only have an email ( you don't get anything in the post mail ), which may not be the same day you call or chat to dispute the transaction. Even after dispute, there's no place to view the entire set of events, status/decision, and when the credit ( or reversal ) is applied. 
2 ) Apple has no way to pay off installment plans early, though they say you can. It says if you want to pay off your instlallment early, to do so on your XXXX app in the Wallet. But you can't. I had just paid my entire balance in full by autopay, and the payment had cleared. Yet, it saw my recent charges ( not yet on any statement ) and would NOT let me. Terms only say " you must pay your balance '' - but the terms, nor any live person can specify if it is statement balance, current balance ( statement and new charges ), or current balance with new pending credits? I got different answers from XXXX people, and they were actually all wrong. I always always always pay off my statement balance in full each month. I'm also on auto pay - apparently this isn't enough if you use your card every month ( you'll always have a balance at any point ). So this month on purpose, I had to stop using my card entirely, and pay my account a week early before autopay ( and before getting my statement ), and ***I STILL could not pay off my installments early***. I called, and this time they offered to let me give them the payment for the installment pay-offs, on the phone- I mentioned I had asked to do this very thing the day after my auto payment cleared, and they said I could NOT ( then ). Suddenly I can a month later, with no different circumstances. I told them if they advertise they are an online credit card, they need to allow cusotmers to fulfill the terms for early installment payoffs, to define WHICH balance must be met, and without calling in. Clearly this is a undefined reality scenario that business and IT failed to identify. Any other card company looks at your last statement balance, and if you satisfied that, to allow you to pay installment plans early ( because they haven't yet issued a statement for the new charges ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: PA

Complaint narrative:
moved from the property that was receiving the XXXX service on the XXXX of XX/XX/XXXX. I then leased the property to XXXX XXXX and XXXX XXXX beginning XX/XX/XXXX. I agreed to pay the utilities until they moved in and got the accounts switched into their name. I had XXXX phone service and internet service both at the time. We were told that if I was to cancel my service then it would not be possible for the new account holder to obtain internet service at that time because there was a waiting list? What we were instructed to do was just transfer the account into XXXX & XXXX name, which we did. This involved at least 2, 3-way calls between XXXX, XXXX and myself to obtain permission. After we thought his was done I continued to get phone bills at my new address which was not serviced by XXXX. I continued to pay them, and XXXX would reimburse me but then after a couple of months XXXX and I both were getting separate bills. I had my payments to XXXX set up as automatic payments through my credit card and in XXXX I wrote them and disputed the payments and told them that I had cancelled the service. My credit card company investigated the dispute, after their investigation they refunded the payments that I disputed. ( letter enclosed ) I then began to get collection letters that I disputed with the debt collectors. The 1st one was from XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, after I disputed it I heard nothing further from them. Then on XX/XX/XXXX I received another letter from IC system. I disputed this again and once again i heard nothing further from them. I went for a mortgage in XXXX of XXXX and my credit which for as long as I can remember has been above XXXX was now below XXXX because of this false charge and I ended up getting a much higher interest rate because of this. Now on XX/XX/XXXX I received another letter from XXXX XXXX debt collection company.All of these companies are after the same debt and none respond after I dispute the debt so I assume that it has been cleared up. XXXX is the absolute worse company to try and deal with, you just keep getting sent to different people and never get anything accomplished. Thank you, 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 2022-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In accordance to the fair credit reporting act XXXX  account number XXXX XXXX XXXX XXXX # # # #, is reporting Has violated my rights 15 U.S.C 1681 section 602 A. States I have the rights to privacy 15 U.S.C 1681 section 604 A section 2. it also states a consumer reporting agency can not furnish an account without my written instructions

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 2022-03-27 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX Account : XXXX XXXX, has violated my rights. XXXX XXXX XXXX has not sent any documentation proving the debt or any signature proving how the account was opened. 


In accordance with the Fair Credit Reporting act XXXX XXXX Account : XXXX, has violated my rights. XXXX XXXX has also sold the account and reports a balance that is different from XXXX which is the company they sold the debt to, XXXX has various amounts and will not send documentation of a signature or how the account was opened, it has been past thirty days.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-03-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint narrative:
This complaint is a continuation of CFPB Case XXXX. 
The complaint to the CFPB seemed effective - I have received a reply from Capital One in XX/XX/2021 that they would reopen my account. 
I was sure that they would make good on their official response to a federal regulator, but already half a year (! ) I am trying to reopen my account, as they have committed to the CFPB, but with no avail. 
When I call agents and their supervisors, this " commitment '' is not in the system, I receive a response that the account is closed and there is nothing that could be done ( for instance, a conversation from XX/XX/XXXX, with supervisor XXXX, agent no. XXXX ). 
I have to say that as a lawyer I am very much surprised by the treatment of a XXXX XXXX XXXX to its commitment to a Federal Regulator. 
I hope you will be able that Capital One would treat more seriously its commitment to a Federal Regulator such as the CFPB, and will execute its commitment to open my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27 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: Persolve, LLC - Legal - Series 2
State: FL

Complaint narrative:
I have tried to reach out to Persolve Legal XXXX several times requesting them to provide me with an interest disclosure and a break down of how the interest is being accumulated on my credit report after several requests they refuse to disclose this information so I am under the suspicion that they may be charging more interest than legally allowed based on the contract they purchased from XXXX. 

I have requested this information XX/XX/2021, XX/XX/2021, and XXXX XXXX. 

The balances reported on my credit report are also reporting inaccurately which I have contested several times without response. I have seen a change in balance since I settled with Persolve legal XXXX in court however the balance reflected is still reporting inaccurately whenever I contact this company by phone the representatives hang up on my immediately when I ask for a detailed billing history.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27 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: FL

Complaint narrative:
I have tried to reach out to XXXX XXXX XXXX several times requesting them to provide me with an interest disclosure and a break down of how the interest is being accumulated on my credit report after several requests they refuse to disclose this information so I am under the suspicion that they may be charging more interest than legally allowed based on the contract they purchased from XXXX. 

I have requested this information XX/XX/2021, XX/XX/2021, and XXXX XXXX. 

The balances reported on my credit report are also reporting inaccurately which I have contested several times without response. I have seen a change in balance since I settled with XXXX XXXX XXXX in court however the balance reflected is still reporting inaccurately whenever I contact this company by phone the representatives hang up on my immediately when I ask for a detailed billing history.

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 2022-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX BANK DELAWARE XXXX has violated my rights. 

15.U.S.C 1681 SECTION 602 A. States I have the right to privacy. 

15 U.S.C. 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-03-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX XXXX is reporting an incorrect, inaccurate debt on my Transunion Credit Report and other credit reporting agencies. 
XXXX has re-aged the debt they say I owe to them. 
I have never had any agreements or done any business with XXXX XXXX. 
This company has not validated their relationship with me in connection to the debt they say I owe. 
When asked, XXXX XXXX has not provided any written contracts providing them permission or right to collect a debt from me. 
I have contacted this creditor and requested validation of this information. 
They can not or refused to show me the date of first delinquency associated with this account. They have not provided any information on how they calculated amounts they say I owe to this date. 
They are reporting this account as open and active with late and past due payment due each month. 
I have contacted Transunion and reported this debt as invalid. Transunion responds that debt is verified with no underlined proof of how they verified this debt. 
Both XXXX and Transunion refuse to delete the inaccurate and incomplete information. 
I have been disputing this for months with no success.

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 2022-03-27 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: LA

Complaint narrative:
Equifax is reporting outdated inaccurate and incorrect information on my credit report. 
I have contacted XXXX and Equifax numerous times and disputed this information. 
They say that the information is verified with no explanation of where they are getting this information or why they continue to report it. 
They refuse to delete it as asked. 
The account has been closed, outdated and, exceeds the statue of limitations. 
All XXXX accounts they are reporting are over 20 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX BANK DELAWARE XXXX has violated my rights. 

15.U.S.C 1681 SECTION 602 A. States I have the right to privacy. 

15 U.S.C. 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I got a car loan from Fifth Third Bank. It was to finance and purchase a car that my sister had leased. The leasing company applied and found the loan for me, I agreed to the loan, they sent me documents which arrived late, I signed and returned them. 

I was told by the leasing company that I would have a XXXX - XXXX month grace period from the date I signed the loan to begin payments. 

Fifth Third Bank started my due date something like XXXX weeks after they paid off the leasing company. 

I contacted them and asked my monthly due dates to reflect what I was told and for the late fee to be credited. I did this via the online chat portal. I also asked for the documents stating the loan terms and amortization table to be mailed to me. I believe this was on XX/XX/XXXX. As of today XX/XX/XXXX I have not received anything and no one has contacted me. 

Instead of the XXXX $ late fee being credited, I was charged XXXX $ twice. So my balance owed grew by XXXX XXXX 

Customer service is very unresponsive. I have contacted them numerous time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
My wife passed away. I started letting her creditors know of her passing. I called Barclays and informed them that my wife had passed. I asked if the account could be transferred to my name. I was told no. The account had been delinquent. I offered to pay the account off in full if they would remove the derogatory from my credit. They would not even after I had been making monthly payments. I found out that I was on there as an authorized user. T/his is not my account and I want it removed from my credit.

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 2022-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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