vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I purchased 4 bar stools on XXXX XXXX, XXXX for a Total of {$420.00} on order # XXXX. I never received these bar stools for this order. I have called and emailed the company as well as XXXX to try and locate my order. The first call and email was on XXXX XXXX, XXXX, then again on XXXX XXXX, XXXX. I received an email from the company on XX/XX/XXXX asking how many stools did I receive. I responded back by stating I didnt receive any bar stools and requested a refund. On XX/XX/XXXX, I received an email from a XXXX from RTG stating that XXXX had located the package and it will be delivered. I emailed back asking when they will be delivered. I called XXXX and they couldnt provide me a status. I emailed XXXX again on XX/XX/XXXX stating I have not received anything as of yet. I even called and left a message on XXXX XXXX. I have not received a call or email back. I have been trying to request a refund, since I never received my order, but it has not been successful. I keep getting told that I have to return the product in order to be refunded. Well, I dont have anything to return, since I never received it.

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 2021-02-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
This agency refused to delete this debt after several times requesting validation from this agency. No replies no answers. This agency claims I owe money to them from a debt they can't even validate. The statute of limitation in the state of Florida is 5 years for debt collection they also failed to validate. They also failed to show documentation I owe this debt to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 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: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
In XX/XX/XXXX I contacted XXXX to correct a negative payment history on a credit card with Wells Fargo from XX/XX/XXXX. I provided the following information. 

In XX/XX/XXXX I was XXXX when all communication was secured for operational security. We were without internet access for approximately 40 days. During this time, the credit card payment was due, but I was unable to make the payment without internet access. As soon as access was restored, I promptly paid the bill in its entirety. 

XXXX  closed the investigation today. They added the addition to the comment section : " and dispute investigation completed, consumer disagrees. '' The comment could be construed that an investigation was actually conducted, which seems doubtful, and I disagreed with the results of the investigation. To my knowledge I have not been provided with any further information collected during the investigation such as a response from Wells Fargo. Dispute and disagree are synonymous, so not only could the comment be misconstrued, but it would seem that the entirety of the investigation was to add a comment documenting that I disagreed or disputed something, which required no investigation at all because the " investigation '' was a direct consequence of filing a dispute with the report. 

If XXXX or Wells Fargo had provided documentation or rational to the justification for the negative mark on my credit score, I would have been receptive to concluding this matter ; however, this resolution was recursive and evidences the insincere at best or false claim that XXXX actually investigated the matter. If an investigation did not take place, they have willfully neglected their responsibility to investigate this dispute.

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 2021-02-09 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: AFNI INC.
State: WI

Complaint narrative:
I didnt sign no contract with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 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: AK

Complaint narrative:
I have followed all the protocol for submitted a dispute with TransUnion regarding XXXX. All I get back is " investigated-accurate ''. Even though I have provided ALL the documents needed to PROVE that XXXX should NOT be allowed to report anything, it is like NO ONE looks at any of them, or THEIR OWN REPORT! How can you show that XXXX, the ONLY student loan I have had, CORRECTLY reports the account closed and included in XXXX  XXXX Bankruptcy 3 years ago, but THEN allow another RANDOM company to come in 3 years later, a company I have NEVER heard of, been given ANY information about or been contacted by to start REPORTING FALSE information to MY report on THEIR website just because they " say so ''?? 

I have provided the discharge paperwork from the court that SHOWS the judge ORDERED all XXXX LOANS discharged. I was injured, lost my business and am XXXX and will NEVER work again to be able to pay the XXXX loan off, so it was a hardship case and special circumstances to discharge the XXXX loan. I have explained this a THOUSAND TIMES to different people and STILL they continue to damage my report with FALSE information. 

XXXX apparently bought a debt off XXXX after bankruptcy that was discharged 3 years ago. After battling with them, they finally closed it on all my reports, BUT they continue to report it every month showing I owe more and more and more money and that it is is late and past due and in collections, despite being closed. XXXX has been contacted and they are CORRECTLY reporting the debt as discharged in XXXX XXXX they said they tried to notify PHEAA to stop collecting, but XXXX has not taken their direction and there is nothing more that XXXX  can do at this point. I have contacted XXXX and they REFUSE to admit they purchased a debt to collect on that was illegal and they are NOT entitled to collect because of the XXXX  XXXX discharge. They refuse to take it OFF ALL credit reporting agencies OR stop reporting it as late/Collections, despite it having been discharged. 

See the Discharge Paperwork that has very specific language regarding discharge as to ALL student loans. Mine was a hardship case from an injury and loss of a business. I am now XXXX and will never work again and the judge knew that I would never be able to repay the student loan so it WAS in fact discharged in 2018. XXXX knows this, so why XXXX is STILL trying to collect and reporting as LATE payments, I can not figure out, or WHY it is being allowed!!!!!

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 2021-02-09 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
Someone took a loan out in my name years ago and it popped up on my credit making my credit drop 96 points. I disputed it now it came back and dropped my credit 61 points saying I need a fraud report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Citi and XXXX. The Account Opened is Citi Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is Citi Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account is XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

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 2021-02-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
On XX/XX/2020, I sent a Notice and Demand to Validate Debt Claim. 

On XX/XX/2020 the company sent me a correspondence that there was no debt owed. 

The company is still reporting that there is a debt and is still reporting to third party credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Idaho Housing And Finance Association
State: TX

Complaint narrative:
I filed XXXX XXXX in XXXX to save my home. During that time I also applied for a Loan Modification in which I was approved as of XX/XX/XXXX. The letter said that the modification should be final within three months. I have made the three trial payments under the contract. During this process I converted my bankruptcy to a XXXX XXXX ( the house is no longer included XXXX. I have called HomeloanServ each month asking when they will finalize this modification and no one ever has any answers for me. They are always I don't know what to tell you. Someone will call me back and they never do. I spoke with XXXX in mid XX/XX/XXXX she said they are waiting on paperwork from the bankruptcy trustee. I advised them that my attorney XXXX XXXX said that they will not receive anything from the trustee since I am no longer in a XXXX and they are not included in the XXXX. They have refused to finalize the modification and have refused to give me any answers. My XXXX is to discharge XX/XX/XXXX and my attorney need affirmation of debt which they have refused to provide. I called again today and once again was told by the representative that she had no answer for me and she did not know what to tell me and would have a supervisor call me back XXXX who is very rude by the way ) and never returned my call from XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC
State: NC

Complaint narrative:
In XX/XX/2020, I was moving and tried to change my XXXX XXXX internet to my new address. XXXX told me they served my new address, but when I plugged in the equipment and it didn't work, I called them and they admitted they do not serve my new address. I immediately cancelled my account and returned my equipment on XX/XX/XXXX. 

A few weeks later I got a notice that I had a bill due on the cancelled account. I called XXXX and they informed me the bill was an error and my account had XXXX balance. I confirmed this in their online portal ( using my existing account info ). They also told me to ignore any additional statements sent in the next few weeks. Then, on XX/XX/XXXX, I received a collections notice ( reference # XXXX ) from Sequium Asset Solutions for a {$49.00} XXXX  bill on an account number I had never seen before. 

I logged into XXXX and only my old account -- not this account -- showed up, and it told me I had {$0.00} balance. I called XXXX  and discovered that they had, without telling me, created a new account at the address they had never provided Internet access for and transferred a charge they had never informed me about to my new account. I made repeated attempts to log in to the new account to verify the balance but was unable to do so -- it kept showing {$0.00} balance on the old account. 

Finally, on XX/XX/XXXX, I was able to reach someone at XXXX  who allowed me to pay the balance on the new account over the phone. ( I still don't know if this charge was legit or where it came from, but at this point I just wanted to be done with the whole thing so I paid it. ) I am alarmed that they sent the bill to collections while I was actively trying to figure out whether it was legit, and that they transferred it to an account that they never told me about ( therefore making it impossible for me to pay ), and that they told me repeatedly that I had already paid my outstanding balance. I am concerned about the impact this could have on my credit score when it's all a result of really, really bad customer service on XXXX XXXX part.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Citi and XXXX The Account Opened is Citi Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is Citi Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account is XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

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 2021-02-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
First off I would like to start with the fact I am a XXXX Veteran working in XXXX as a XXXX  XXXX during these trying times. This all started about 2 1/2 years ago. I filed for a loan modification about 4 times and I was denied all 4 times. I then hired a law firm to help me get this problem handled. It took the lawyer 14-18 months to get it approved XXXX XXXX was dragging their feet so that my income would change just a small amount so they can make us start over. Now that it was approved I was in my 3 month trial period, my last month XX/XX/XXXX I was XXXX short on my payment. This was a complete typo due to me working more than 14 days in a row 12-20 hours a day in 2 hospitals here in XXXX California During the Covid surge. Not a single phone call was made not a single email or even a letter mailed to me. The first time I contacted them when I found out I made a mistake to correct it I was told someone called an XXXX number and tried to leave a message. This number was for my lawyer, and I guess there was a form done so the mortgage company was not allowed to contact me at all. If there was a no contact cease and assist filed why was there a message left on my lawyers phone yet I am asked every time if that is my work phone. I paid the XXXX I was short as soon as they allowed me to that alone happened XX/XX/XXXX. I talked to a manager XXXX trying to get this issue resolved and I was told there was no reason to worry he would get in touch with the person handling the modification and get it fixed then call me himself the next day. No call was ever made! I called everyday since XXXX even on the weekends trying to fix this problem all while I was at work trying to keep XXXX XXXX XXXX. I then talked to a Team Lead by the name of XXXX, who once again told me there is no reason to worry and she sent an email to the person working on my case and she would handle the problem. She took my XXXX payment at that time. This was the first time someone allowed me to make a payment. I called today XX/XX/XXXX to figure out what is going on because once again no return call was made to me I was told I have to completely restart the modification process again and there is nothing that they WILL do to help me. I have had nothing but problems with this company and although I will admit it is not their fault I had problems paying my bill, it is their fault they are refusing to help me in any way shape or form. XXXX dollars mightXXXX just cost me my home. This company has targeted me since the first time I made a late payment, This company is against the veterans they promise to serve. In the end I just want to make my house payment. I don't want to live in fear at all for my home anymore! this company is doing everything they can to get my home from me.

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 2021-02-09 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: Chicago Car Center, Inc.
State: IL

Complaint narrative:
account Chicago car reported false information t my credit report

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: NC

Complaint narrative:
Diversified Adjustments Re : XXXX Thank you for taking the time to review the complaint regarding the publishing of harmful data on the credit profile. 
Multiple attempts have been made to request a series of questions regarding this information. 
I have previously demanded that your company validates the above-listed item. You have failed to do so. Please take notice that your inaction is detrimental to me and is in violation of various laws, including, but not limited to, the Consumer Credit Protection Act ( CCPA ), the Fair Credit Reporting Act ( FCRA ), and the Fair Debt Collection Practices Act ( FDCPA ). 

As you know, your firm knew or should have known that the actions taken against me and the information collected about me were inappropriate and damaging to me. Your inaction makes it apparent that you have failed to use reasonable care regarding this matter. You have failed to use even minimal procedures to ensure that I was not harmed by your dissemination of inaccurate information or which can not be validated. Specifically, you have communicated and are continuing to share incorrect and defamatory information to third parties, including, but not limited to, XXXX, XXXX, and XXXX 

As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. Please accept this letter as my demand for the immediate and complete removal of this tradeline from my credit reports ( XXXX, XXXX, and XXXX ). As I am currently attempting to apply for credit, time is of the essence. Be advised that if this matter is not resolved in 30 days, I will take any necessary steps to protect my rights, including, but not limited to, the commencement of legal action. 

Thank you in advance for your immediate attention to this matter.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 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: CITIBANK, N.A.
State: CA

Complaint narrative:
( 1 ) Past transactions with XXXX using XXXX reporting party 's creditor profile were not completely refunded when all items were returned ; and ( 2 ) Citibank allows third party thief to enter and break into home to steal financial statements and copies of card to not allow entry into online banking to review and manage financial information aside from resolve vendor disputes that reporting party believes are created to highlight the bad faith dealing that involves unauthorized third party thieves.

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 2021-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: KY

Complaint narrative:
On XX/XX/2019 I signed an addendum to a rent agreement that legally removed my name from the lease. The staying tenant also signed, agreeing to take ownership and responsibility of any charges on the account. I was forced to move out due to XXXX in the household and a XXXX XXXXXXXX order against the staying tenant. Due to the XXXX, the landlord and leasing agency were not allowed to hold me responsible for the charges, and they had a copy of the XXXX provided to them for proof. Also, a copy of the signed addendum removing my name and clearing me of the responsibilities. Now my credit statement shows a collections account from the landlord trying to make me pay {$4000.00} on an account that is not legally my responsibility. I tried to dispute the charge several times but the customer disagrees, being the landlord wants to make me pay the charges. I would like for this to be removed as it is not my account to pay for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: FL

Complaint narrative:
I am a first time home buyer working with PRMG who has closed out my file without providing me reason as to why my file was closed. I believe I am being discriminated by this company as I have paid for an appraisal and was not given a new appraisal. The appraisal provided was given by 3rd party lender who I was working with prior to working with XXXX, XXXX XXXX and XXXX XXXX. I paid for an appraisal and was not refunded. I believe these loan officers took my credit information and ran my credit without intention to provide funding for my purchase

Company response to consumer: Closed with explanation