vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-11 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: Collection Bureau of America Ltd.
State: TX

Complaint narrative:
I am disputing the collection in the amount of {$320.00} that was reported to my credit report. I had two delivery address with XXXX   XXXX XXXX. After Hurricane Harvey, we moved out of our home and no longer needed the delivery service at our home. XXXX picked up our water cooler and remaining water bottles. After the equipment was picked up, I called XXXX  several times because my auto draft was still being charged for the equipment at my home that had picked up and cancelled. After several months and calls into XXXX, I had a rep finally close out that account and stop the auto draft and credit my account for the over charge. At this time, I assumed every thing was complete. I received a collection letter in XXXX regarding a past due account. When I called them, I was told to send an explanation letter and they would get with XXXX  to remove the collection. I received an update in XXXX showing this was placed on my credit reports for an unpaid collection. I have contacted the collection company, who states that they are still waiting on XXXX  to respond to my inquiry. I have tried to contact XXXX   directly, but they will not speak with me because the account was sold to collections. I have no idea what this charge if for, nor do I owe this amount. I currently still have an account with XXXX  for our business account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: PA

Complaint narrative:
Hunter Warfield has been attempting to collect on an alleged debt that was sold to them by my old Apartment complex in XXXX. During the move out process and apartment review, my roommates and I were offered by the apartment complex and chose to pay for an " express move out service '' which included a " professional carpet cleaning '' which would take place after moving out. 
After moving out, the apartment complex replaced the carpet without realizing the carpet had not yet been cleaned. They then charged us for the carpet replacement. We reminded them we paid for the carpet cleaning, but they said they had forgotten and opted to replace the carpet as they carpet " looked too worn ''. We said it was not our fault they had replaced the carpet without cleaning it first and per North Carolina regulation that we were not responsible for a replacement as the carpet did not exhibit anything beyond normal wear and tear. 
In XXXX of XXXX this debt was sold to Hunter Warfield. In XX/XX/XXXX we received our first collection attempt from Hunter Warfield and requested that they verify that we were responsible for this debt, as we knew they could not given that the apartment complex had broken their agreement, and that per North Carolina regulation we were not responsible for replacing a carpet that exceeded normal wear and tear. 
They did not verify the debt and in XX/XX/XXXX reported it to XXXX. At that time, we reported this violation and XXXX  removed the collection account from our credit reports. In XXXX, Hunter Warfield sent incomplete verification information. We contacted them again through our attorney to let them know that this did not verify the debt and they should cease all collection activities until first verifying the debt. 
We did not hear anything past that point in time until XX/XX/XXXX when they reported the debt to a different credit agency, XXXX  this time. We have initiated the dispute and contacted them to let them know they would once again be violating FDCPA if they did not withdraw the account. They sent back the same incomplete verification information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
I moved and called to close my account. I needed to money from the closed account to pay rent, but was assured I would receive the money in 3-5 days. I gave them my new address and they closed the account. At that point I was no longer able to see my account or access the app. Apparently they sent to check to my old address, their mistake. They wouldnt take any responsibility and would not stop payment on the check until 10 days had passed and then they would issue another check. I have bills to pay and can not wait for this to happen, especially when it was their mistake. They have essentially fraudulently stolen my money.

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 monetary relief
Consumer complaint received 2020-09-11 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: National Credit Systems,Inc.
State: CO

Complaint narrative:
NOT A DUPLICATE COMPLAINT XXXX  XXXX XXXX   has already conceded that for three years they were damaging the credit of my wife and I even though I had notified them of their mistake on multiple occasions. 

They only and finally took action on my account as it relates to the first of four errors I pointed out in my last complaint ; that they can not legally seek two forms of recovery for a single financial harm. To date, they have not even updated their credit reporting to adjust their mistake. This admission of violation of FCRA law carries a {$1000.00} statutory penalty. 

In electing the financial penalty based on a failure to provide sixty days notice amounting to roughly {$1600.00}, the total amount they now claim we owe is still three times their actual financial damages. I believe XXXX XXXX re-rented my unit on XXXX, which would make their actual damages roughly {$640.00}. Seeking to collect financial recovery in a contract in excess of actual damages is recognized as a " penalty in contracting '' and is barred by federal law, as I referenced in my previous complaint. 

Included in the charges are roughly {$300.00} for alleged physical damages to the property including cleaning and painting the unit. Under Colorado law, the burden of proof for keeping a security deposit against actual damages lies with the landlord, but XXXX XXXX has provided no evidence of any damages. As such, my security deposit was improperly withheld and though I have lost my chance at treble recovery under statute, I am still owed that {$250.00} by law. 

The {$500.00} liquidated damages charge is the only legitimate portion of this debt and I have ALWAYS been willing to pay this amount, but XXXX XXXX and their collections agent Nation Credit Systems, INC have insisted on collecting only the inflated false amount. 

In a Colorado Court of Law I am legally entitled to {$750.00} from XXXX  XXXX XXXX for furnishing an pursuing a false debt, and improperly withholding my security deposit, against the {$500.00} I rightfully owe them. Their admittance of fault in my last complaint and lack of proof of damages shall serve as my evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 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: Specialized Loan Servicing Holdings LLC
State: NC

Complaint narrative:
I pulled my XXXX  credit report on XX/XX/XXXX after the sale of my home on XX/XX/XXXX to ensure my mortgage company Specialized Loan Servicing ( SLS ) reported the loan payoff and final payment activity correctly. My credit report showed that SLS added a delinquent status in XX/XX/XXXX indicating a late payment of over 60 days old and a negative payment status of Legally Paid In Full for Less Than The Full Balance. These are both errors as I made all my mortgage payments to them on time and they received the full payoff for my loan after closing. I confirmed with my closing attorney XXXX XXXX XXXX that SLS received full payment. 

On XX/XX/XXXX I sent SLS a formal letter requesting they correct their errors on my credit report along with my XX/XX/XXXX credit report, closing disclosure from XXXX XXXX XXXX and a copy of my SLS billing statement. 

On XX/XX/XXXX I received a response from SLS stating that they would not correct their errors on my credit report. The correspondence included a summary of my mortgage activity from THEIR OWN SYSTEMS proving that I made all payments on time, that they had in fact received the full payoff amount and it was equal to the full balance owed. Despite this evidence they are refusing to update my credit report. 

I consulted my attorney and he recommended that I file a complaint with CFPB. Their error has dropped my credit score XXXX points and I really need your help working with them to get this corrected. 

Thank you for your time and consideration, 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 2020-09-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: TN

Complaint narrative:
In XXXX I had an XXXX  door to door person offer a package deal for wireless and internet that I opted for. In this 'deal ' I got the newest XXXX. All I had to pay that day was 'tax on the XXXX ' I'd be getting, which was {$100.00}. I returned the phone in plenty of time not to pay any fees, didn't get any better service than I had with my XXXX with another cellular company. I returned the phone to the XXXX  store, got a receipt, but XXXX  still said the phone can't be found. Finally they FOUND it after a few months but still had not returned my TAX on the purchase! I was due the {$100.00} back, but instead they ignored helping me and I had to dispute this charge on my Visa. They tried to get XXXX and didn't get a response so I got my taxes on purchase refunded. Since then, I was billed over and over for it?? I called explaining this mulitple times, no one thought it was any big deal, did not help and finally it was turned over to XXXX XXXX XXXX out of NY, who hounded me with call after call for months and months but my phone blocks spam calling at this point. Now it has been changed to a new collection agency as of XX/XX/XXXX ENHANCED RECOVERY COLLECTIONS out of XXXX, FL. The process to dispute starts all over again, with what was MY money in the first place and my Visa investigated this and gave me the money back.. and yet I deal with this continuously for nearing 2 years now. I was advised by my identity theft protection company that monitors all my credit to write a complain to CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax ; XXXX  and XXXX  should not be reporting a collection/chargeoff in the amount of {$2300.00} on the XXXX  - partial account number XXXX. ( Please see pages attached from my credit report. ) I had GAP insurance and the vehicle was deemed a total loss and the remaining balance due was paid in full from an extended warranty I had on the vehicle. This account needs to report a {$0.00} balance. There is no outstanding balance and therefore nothing to send to collections and/or to chargeoff. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I sent out a letter on XX/XX/2020 disputing the negative item on my report. I still haven't received a response and it has been well over the 30 days given by the Fair credit reporting act for re-investigation. I sent out another certified letter on XX/XX/2020 because I wanted to know the progress of my investigation. On XX/XX/2020, I submitted a complaint with the CFPB but you stated that it wasn't me. This is unfair! I've been working so hard to keep my head above water. I have now submitted two forms of identity for verification. Please take my complaint seriously. It's almost been three months and I still haven't received a response. This is a direct violation of my rights and action has to be taken so that the incorrect information on my report is removed.

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 2020-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 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: GA

Complaint narrative:
I HAVE THESE ACCOUNTS ON MY CREDIT REPORT THAT DO NOT BELONG TO ME. I AM A VICTIM OF IDENTITY THEFT. THIS ISNT FAIR FOR THESE ACCOUNTS TO BE ON MY CREDIT REPORT WHEN I NEVER OPENED OR AUTHORIZED ANY OF THESE ACCOUTNS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 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: FL

Complaint narrative:
XXXX  ; XXXX and Transunion should not be reporting a collection/chargeoff in the amount of {$2300.00} on the XXXX - partial account number XXXX. ( Please see pages attached from my credit report. ) I had GAP insurance and the vehicle was deemed a total loss and the remaining balance due was paid in full from an extended warranty I had on the vehicle. This account needs to report a {$0.00} balance. There is no outstanding balance and therefore nothing to send to collections and/or to chargeoff. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-09-11 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX ; Experian and XXXX should not be reporting a collection/chargeoff in the amount of {$2300.00} on the XXXX  - partial account number XXXX. ( Please see pages attached from my credit report. ) I had GAP insurance and the vehicle was deemed a total loss and the remaining balance due was paid in full from an extended warranty I had on the vehicle. This account needs to report a {$0.00} balance. There is no outstanding balance and therefore nothing to send to collections and/or to chargeoff. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-09-11 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: GA

Complaint narrative:
I HAVE THESE ACCOUNTS ON MY CREDIT REPORT THAT DO NOT BELONG TO ME. I AM A VICTIM OF IDENTITY THEFT. THIS ISNT FAIR FOR THESE ACCOUNTS TO BE ON MY CREDIT REPORT WHEN I NEVER OPENED OR AUTHORIZED ANY OF THESE ACCOUTNS.

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 2020-09-11 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: GA

Complaint narrative:
I HAVE THESE ACCOUNTS ON MY CREDIT REPORT THAT DO NOT BELONG TO ME. I AM A VICTIM OF IDENTITY THEFT. THIS ISNT FAIR FOR THESE ACCOUNTS TO BE ON MY CREDIT REPORT WHEN I NEVER OPENED OR AUTHORIZED ANY OF THESE ACCOUTNS.

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 2020-09-11 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: Firstsource Business Process Services, LLC
State: GA

Complaint narrative:
I HAVE THESE ACCOUNTS ON MY CREDIT REPORT THAT DO NOT BELONG TO ME. I AM A VICTIM OF IDENTITY THEFT. THIS ISNT FAIR FOR THESE ACCOUNTS TO BE ON MY CREDIT REPORT WHEN I NEVER OPENED OR AUTHORIZED ANY OF THESE ACCOUTNS.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
i was at the end of lease on my nissan infiniti is denying me credit. they have false information on my credit report. they said i have public records, which on do not. they said in 2018 i had five payments that were late. i went to adirondack bank in little falls ny and the manager a got a print out of the thirty six month schedule, not one payment was  late. i sent copies of the true documentation to nissan infiniti and XXXX. not one thing has been done to correct this false and agregeous action by either agency or corporation. 
this is a total lie and defamation on me .the bank statement clearly shows each payment was on schedule most payments were taking out of my banking account.nissan reports are not the same months as XXXX.which show major discreptions. this is totally unacceptable to do do to any consumer. my credit score is being destroyed.i think that XXXX is very biased on this matter.companies should not be able to put false information on any ones credit report with out severe repucusions

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase Bank closed personal checking account alleging unemployment benefit fraud on XXXX. Chase Bank statement states " XXXX XXXX Check '' issued on XXXX in the amount of {$5900.00}. I still have yet to receive this check, and Chase Bank refuses to provide me with an image of it as proof that it exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: VA

Complaint narrative:
I have been attempting to close on a mortgage from HSBC for over 90 days. The bank keeps delaying the closing and charging me fees, for which full disclosures were not made, in an apparent attempt to improve the profitability of the mortgage due to HSBC delays. The loan number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 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: NY

Complaint narrative:
I submitted a dispute letter regarding inaccuracies on my report on XX/XX/2020. I then followed up with another letter XX/XX/2020 because I didn't receive a response. To my knowledge the company has 30 to 45 days to respond to my dispute. They are in violation of the fair credit reporting act. These inaccuracies are  drastically effecting my credit score. 
I understand we are in difficult times but these inaccuracies must be corrected. Thank you and God Bless.

Company response to consumer: Closed with explanation