vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Finance Company, Inc.
State: CO

Complaint narrative:
On XX/XX/XXXX, {$180.00} debt collection was placed on my XXXX credit report. I have not received written or phone notification that a debt was issued for me to dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-18 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.

Complaint narrative:
I am in the process of conducting research into the assignment of my current mortgage. In order to do so, I have received documentation from my originator that led me to Pacific Union Financial, which was bought by XXXX XXXX. I have called Mr. Cooper Customer service in an attempt to receive documentation of the mortgage 's sale to Pacific Union Financial, and any sale thereafter to XXXX XXXX. I was told that the research department did not have a direct phone line, however I should fax my request for information. The attached fax is what I had sent on approximately XXXX XXXX. 

I have yet to receive any contact from the research department. As this research concerns a potential foreclosure of my current mortgage, and as Pacific Union was once acting as my mortgages investor, these records are of vital importance to me, and have the potential to cause me financial hardship if not obtained. 

I feel it is Mr. Coopers duty as a financial institution to provide records, or at least communication to its clients, and the clients of its acquisitions in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 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: FL

Complaint narrative:
contravention to 15 U.S. Code 1681c2 ( a ) - Block of information resulting from identity theft. over 150 days for repeated disputes and investigation until inaccurate accounts were deleted ; XX/XX/2021 accounts were reinserted again inaccurately and evidence was submitted with inaccuracies and incompleteness and it has not been blocked as instructed after 4 days. This has become a tremendous inconvenience without any cooperation from representatives after calling in several occasion to help resolve this matter. reported accounts have been settled as paid in full never late, paid as agreed never late but continues to show XXXX balance as past due over 120 days with no amount past due, which is impossible for XXXX balance to be past due. This reports negatively on report. Please investigate this as it has been 2 years of back and forth to rectify this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 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: GA

Complaint narrative:
I have recently been informed that there is negative information reported in the files you maintain under my Social Security number. 
No contracts exist ... Account was settled with creditor, ( no valid claims ) I want it removed. False information is being reported. Debt can not be collected twice.It was removed and re-inserted without notification which is requires by law, violation of FCRA law. 
I challenge the accuracy, compliance and reportability of this listing.F.C.R.A. violation. re-inserted without notifing me.Remove or litigation will followsettled all accounts with original creditor. 
XXXX XXXX XXXX {$580.00} XXXX XXXX XXXX {$360.00} XXXX XXXX XXXX {$360.00} As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation

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 2021-06-18 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: WI

Complaint narrative:
Complaint about promised " new '' revised Line of Credit 10 year loan. Monthly payments and scheduling was promised last year in Summer. My 15-year LOC expired last XXXX and a new 10-year Line of Credit was to rewritten with forwarded new monthly payments by end of summer 2020. I was receiving monthly collection letters starting in XX/XX/2020 with no monthly promised payment plan. My monthly statement in XXXX said I owed apprx. {$3900.00} in back pay with no explanation for amount. I have tried to contact local and corporate management on the issue with no success. Today, I still have no monthly statements for payment so I haven't paid anything. I have spoken to at least 60 people from US Bank who have avoided the issue and not helped me gain a monthly payment plan. Today I am receiving a monthly statement that has escrowed to over {$11000.00}. that they say I owe. I still have no monthly payment plan online ( my account ) with explanation on Principal and Interest per month owed. I have met or spoke to may names ( which I have documented ) since XX/XX/2020 that have not solved this neglected issue and made several promised statements to get back to me and solve this ongoing escalating problem. I could have been making payments since last XXXX if I had a payment plan that was promised last summer. I started a new position last XXXX and could have been on board making payments if US Bank followed up with what several managers and VP 's promised. 

I need to get this resolved ASAP,,,,, this is ridiculous and has gone on way to long. 
I have the billings and names of correspondence that have made promises and never solved anything or avoided getting back to me. 

My credit rating also has suffered because their neglect to solve this major issue. 
Poor Customer service from bottom to top of management chain.

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 2021-06-18 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: CA

Complaint narrative:
I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
THE UNVERIFIED AND INCORRECT PUBLIC RECORD ITEMS BELOW SHOULD BE DELETED : 1. Chapter XXXX bankruptcy discharged. THIS ITEM DOES NOT BELONG TO ME!

Reference # XXXX. 
Inaccurately posted on XX/XX/XXXX. 

2. Bankruptcy chapter XXXX-discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
I have a XXXX XXXX XXXX through CitiBank. 
I had a balance due on XX/XX/2021 of {$16.00}. 
On XX/XX/2021 I returned items in the sum of {$9.00}, leaving me a balance due of {$6.00}. 
On XX/XX/2021 I made an online payment of {$6.00}. 
This made my balance due on XX/XX/2021 ... .XXXX XXXX XXXX XXXX XXXX. 
On XX/XX/2021, I had made an additional purchase of {$21.00} & {$400.00}. 
Yesterday, XX/XX/2021, I receive a bill for these items in the sum of {$420.00} plus a late charge of {$16.00} ( coincidence, that it is the same as the balance due on XX/XX/2021 ) -- Total now due would be {$430.00} on XX/XX/2021. 
The initial customer service rep XXXX XXXX XXXX, said that I was charged that amount because I had a balance of {$9.00} that I did not pay the preceding month. I told her that there was no reason to pay that amount because I had returned the items on XX/XX/XXXX. She disagreed with me for about 35 minutes. ( She reached out to a superior, but kept coming back with the same line of reasoning. ) I insisted that I talk to a superior.

I then, after being on hold for 7 minutes spoke to XXXX who after some kind, firm discussion on my part remove the {$16.00} late charge. 
I also found it disconcerting that XXXX  then pressed me to make a payment for the balance due. When I stated that I did not have my checkbook with me, but I would pay at my first convenience, she then pushed for me to provide a debit card ... I refused. But I did promise to pay prior to the due date.

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 2021-06-18 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: I.C. System, Inc.
State: GA

Complaint narrative:
I have recently been informed that there is negative information reported in the files you maintain under my Social Security number.

No contracts exist ... Account was settled with creditor, ( no valid claims ) I want it removed. False information is being reported. Debt can not be collected twice.It was removed and re-inserted without notification which is requires by law, violation of FCRA law. 
I challenge the accuracy, compliance and reportability of this listing.F.C.R.A. violation. re-inserted without notifing me.Remove or litigation will followsettled all accounts with original creditor. 
I C System {$580.00} I C System {$360.00} I C System {$360.00} As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation

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 2021-06-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
On XX/XX/2021, I received an email from the collector that I owed {$1800.00} for an unpaid lease break fee. On XX/XX/2021, I called them to settle the debt. I explained that I was not the only one on the lease, and asked if I could pay half of the amount. They told me that I could make a one-time payment of {$1000.00}, and the debt would be written off. I agreed and paid over the phone. I asked for a receipt by email after, which I never received. When I checked my bank account, I saw that they had charged me the full {$1800.00}. I called them on XX/XX/2021, and asked for an explanation. They denied ever having told me they would accept the {$1000.00}, so I asked them to go back over their last recorded call when I paid the debt, so they could see that we agreed on {$1000.00}. They told me they would call me back as soon as they could, and I never received a call from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
I'm trying to find out if I will have my outstanding student loans waived or I'll receive repayment since I attended XXXX XXXX which has turned out to be a institution that lied about credit transfers and everything else. I have around {$8000.00} still outstanding not including all that I have re-payed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 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: CITIBANK, N.A.
State: VA

Complaint narrative:
I ALREADY FILED A COMPLAINT AGAINST HOME DEPOT ON XX/XX/2021 BUT SOME XXXX WHO FAILED TO PROVIDE THEIR NAME AND DIRECT PHONE NUMBER SENT A LETTER TELLING ME TO FAX BACK MORE INFORMATION WITHIN 10 DAYS. THE LETTER DID NOT SAY WITHIN 10 DAYS OF WHAT DATE AND MORE IMPORTANTLY I DO NOT HAVE A FAX MACHINE BECAUSE I DO NOT HAVE A LANDLINE IN MY HOUSE ( AS MOST PEOPLE DON'T ANYMORE )!!!!! WHY ARE YOU ALL SO IXXXX????? WHY WOULD YOU ONLY PROVIDE ONE WAY FOR ME TO PROVIDE INFORMATION????? WHY WAS THERE NO DIRECT POINT OF CONTACT WITH A NAME????? CUSTOMER SERVICE 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 2021-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
I got this items that does not belong to me and i want it to be remove from the 3 credit rpeorting agencies asap. 


1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft SYNCB/AMAZ  Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.

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 2021-06-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Protas, Spivok & Collins. LLC
State: MD

Complaint narrative:
We hire a Public Adjusting Company to assist in the process of settling a homeowners claim with XXXX XXXX XXXX. 
XXXX XXXX paid out a settlement check in which the adjusting company XXXX XXXX XXXX XXXX ) are holding and will not release to us. 
Our Mortgage company ( XXXX XXXX XXXX ) is waiting to receive the settlement check to distribute the funds to ( XXXX XXXX XXXX ) for their services, the ( Contractors ) that will perform the home rebuild, and a percentage to us ( home owner ). 

That is the XXXX XXXX XXXX Adjusters will not release the check to our mortgage company which has cause extreme delays, financial loss, and Contractors discouragement. 

The Main issue at this time XXXX XXXX XXXX opened a claim for collection with a law firm. 
Which we believe is bad business practice, since we did accept the settlement offer from XXXX XXXX, so there was never a matter of not wanting to proceed. 

XXXX XXXX XXXX want to govern the distribution of funds to control the process in rebuilding our home to it's completion, ( payout to contractors material and labor ) makes surprise visits from several states away to charge us for travel. 

XXXX has even stated themselves that we Do Not need to go with their services from this point for forward. 
This was confirmed with our mortgage company XXXX as well. 

This is Bad and Unfair Business Practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I was called by the XXXX XXXX chase fraud protection XXXX phone number and received a chase fraud text message. Informing me my XXXX and mobile app had been compromised and the rep was informing me how to reset it and redirect the sent money back to myself just using the same email and phone number I originally signed up with. I was not asked for any OTP, my social, or full card number and was even put on long holds and the person seemed like a genuine chase employee. This person walked me through resetting my XXXX and chase app. After being walked through on my app I was informed I would be receiving a call within 24 hours to regain access to my online banking, when I checked my account later I saw that $ XXXXand {$500.00} had been XXXX out of my account to one with my name on it. I then went into the trash of my email and found multiple emails with authorization code and receipts for the XXXX and XXXX from a XXXX  XXXX XXXX and a XXXX XXXX. When I called my bank 's fraud team at the same number that called me earlier to ask about this I was told No fraud member had called me that day and I may be the victim of phone number spoofing and sadly the fraud department would not be available until XXXX XXXX  on Monday. 

As of XX/XX/21, my claim has been denied due to the fact the IP address for these fraudulent transactions is said to be mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have sent several letters for accounts to be verified and validated with the credit bureaus. 

Not only have I not received a notification stating that they accounts would be looked into for their accuracy for reporting, bM For the following accounts : I am enforcing my Consumer Rights allowed by my Federal and state laws. I need you to verify all evidence from the furnisher that what they are providing you is legally acceptable and substantial proof in order for your decision for each account to remain. You are not allowed by law to speak or enact on my behalf as this is fraud, and that my friend is a major violation of the law. You need to have evidential proof or documents that you and the furnisher are made aware of the correct way of verification. Make sure that their information is compliant and proven. If not, I demand that you delete this illegal information immediately. This is the letter i sent to the credit agencies for the following accounts : XXXX XXXX : XXXX This account is showing a high balance of {$1100.00}, but it is saying that I am also past due that amount. This information is incorrect. 
XXXX : XXXX I have asked for this account to be verified that the information reporting is correct. The agency has failed to do so. The account is showing on 1 report it is 120 days late on the other agency it is reported as a collection.

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 2021-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: M&T BANK CORPORATION
State: FL

Complaint narrative:
M & T Bank wouldn't let me make any withdrawals from my account so I asked them to close my account XX/XX/XXXX. I spoke with the XXXX branch manager and she told me that the account would be closed immediately and that I'd receive my check with the balance of {$1500.00} by XXXX  XX/XX/XXXX. It is XX/XX/18 and I still haven't received those funds, nor have I received any notification of my funds being sent to me. The only proof I have is the recording I made of this call.

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