vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio recovery and Associates currently reports misleading, and multiple inaccurate information on my consumer credit reports. 

Accounts : Original Creditor : XXXX XXXX XXXX XXXX  reporting with multiple inaccuracies. Company did not validate debt accordance to FDCPA section 809b a violation. 

Account : Original Creditor : XXXX XXXX  XXXX ; Account can not be completely validated as required under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
On XX/XX/2021. I submitted a dispute to Experian to Remove/Delete a Chapter XXXX Bankruptcy Dismissed No : XXXX was place on my credit report provided by a third party XXXX Case no : XXXX & XXXX Please see Attachment. Experian has not remove or deleted this bankruptcy from my credit report base on the documentation from XXXX dated XXXX XXXX subsequently XXXX has removed this bankruptcy from there record outline by the Fair Credit Reporting Act. To the present. Experian still Certified that this information from XXXX is accurate and it remains on my credit report preventing me to obtain any 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 2021-01-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have been disputing since XX/XX/2020, an unverified account that's been reporting on my credit report. I never got a response back from the bureaus or any notice that they were investigating my request or even trying to validate it! I sent another dispute on XX/XX/2020 and still, yet again, have not received anything from any of the bureaus validating or investigating this debt.

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 2021-01-21 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: NY

Complaint narrative:
I have been disputing since XX/XX/2020, an unverified account that's been reporting on my credit report. I never got a response back from the bureaus or any notice that they were investigating my request or even trying to validate it! I sent another dispute on XX/XX/2020 and still, yet again, have not received anything from any of the bureaus validating or investigating this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I have two fraudulent accounts on my credit report that I need removed however they continue to say they are accurate when they are not. Both accounts were opened under a false Date of Birth or a fake ID by whoever opened it. I sent the credit companies police reports FTC reports my ID and ssn to no avail. Please help me if you can.

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 2021-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Servatus Corporation
State: PA

Complaint narrative:
I have been writing Credit Solutions and demanding that they tell me why they are on my credit. After several attempts at contacting them, they have sent me nothing at all. They have however continued to verify the information to the credit bureaus. The FCRA says that I am entitled to the information that is being reported about me to the credit bureaus. I demand that they remove this account since they have not provided anything to me whatsoever! PLEASE HELP 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 2021-01-21 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: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
There is unknown collection on my credit reports. Im requested the verification of the collection and the method of verification. XXXX  XXXX  XXXX, Opened XXXX XXXX, 2018. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose. My written authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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: NJ

Complaint narrative:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

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 2021-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
I had a fire at a home I had a mortgage with at NewRez, Shellpoint mortgage on XX/XX/XXXX. In XXXX my insurance company issued a check which paid off the balance of my loan. The loan was paid off XX/XX/XXXX. I waited till XX/XX/XXXX to call to find out where the proceeds were from my insurance company so I could begin the repair process. I was told at that time the check was mailed and I should receive it in the next few days. I still didn't receive the check and called again XX/XX/XXXX. At that time I set up with them to transfer the funds to my bank account through ACH transfer. I gave the representative the information and which point she stated I would have the funds available in the next 24-72 hours. On Friday XX/XX/XXXX the funds were not in my account. I called and spoke with 5 different representatives. I was told that a new paper check was requested to be sent on XX/XX/XXXX - I explained how that didn't happen. I was told when I called XX/XX/XXXX ( which I didn't call XX/XX/XXXX ) that I requested a new check and cancelled the ACH transfer. I was supposed to receive a call back from the supervisor Friday it's now Thursday XX/XX/XXXX and still no call back. I spoke with 5 different representatives Friday. I was then told the transfer would go through XX/XX/XXXX which was a Sunday followed by a bank holiday Monday. The money still wasn't there on Tuesday XX/XX/XXXX so I called again. Spent another two hours on the phone with 7 different representatives. Told the money would be available again today. The money is still not there. I called again this morning XX/XX/XXXX and was told the request would be put in. I am being given the runaround for the money I need to fix my home. I have no idea what to do or how to proceed with getting results here.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have been disputing since XX/XX/2020, an unverified account that's been reporting on my credit report. I never got a response back from the bureaus or any notice that they were investigating my request or even trying to validate it! I sent another dispute on XX/XX/2020 and still, yet again, have not received anything from any of the bureaus validating or investigating this debt.

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 2021-01-21 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Sterling Credit Corp.
State: PA

Complaint narrative:
Sterling credit contacted me yesterday stating i owe a debt that i have no knowledge about it at all and they told me if i didn't pay my kids will be taken from me and my house and the man call me a XXXX and say pay your bills right now .they said i owed {$6000.00} and i don't owe that .Who is this company that i don't know at all .I explain to them i dont know them or what this debt is and he still assist i did and told me they will call all day and night til they get there money its Covid and this a shame .They are calling from XXXX.Please have them leave me alone .They call everyday and all day.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: United Shore Financial Services, LLC
State: WI

Complaint narrative:
XX/XX/XXXX, I closed on my deceased sister 's property, which I became the owner on XX/XX/XXXX. The title company sent the payoff which was rejected as the mortgage company said they sent the wrong payoff number. I sent the Title company the difference and the title company resubmitted the new payment and was again rejected stating I owed interest, per diem, and insurance costs. The property was sold. I was never contacted by the mortgage company from the time of my sister 's death XX/XX/XXXX under the federal Garn-St. Germain Depository Institutions Act. I would have purchased the property at a better rate because I am a XXXX XXXX. I have made repeated phone calls and am told a supervisor would call. I received one call stating I would not be charged these fees because they made a mistake but I have gone from an initial payoff of XXXX on XX/XX/XXXX to XXXX on XX/XX/XXXX to XXXX on XX/XX/XXXX. I called yesterday XX/XX/XXXX and the person said a supervisor would call immediately. No call. Help!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
On or about XX/XX/XXXX I called Bank of America to report fraud on my UI debit card. {$120.00} was taken from the ATM. They cancelled the card and forwarded me to a claims department - I waited forever and was disconnected. Tried again and didnt get through. Finally when I had a spare hour ( I have XXXX kids at home for school ) I called back in mid XXXX. The agent asked me a bunch of questions ( he also mentioned this was an issue with others ) The next day I went to get money out. The ATM message was to contact the vendor ( not exact word ) which meant unemployment. I called Bank of America and basically they said it wasnt their doing - it was UI that cancelled my account.

It took me literally a week to get through to UI fraud division. They said my UI account was good standing. That it was BOA that closed my account. They told me to send SS and drivers license to them. They would approve an unlock on my account which would take 5-7 days. This was around XX/XX/XXXX. Finally last week around XX/XX/XXXX my account was unlocked. The only money in the account was the $ which should have been in there when I reported the fraud. 

They owe me over a month in filings. Also they owe me for the fraud {$120.00}. The card wasnt secure with Chip etc. and obviously because others having same issue they need to address this! UI is still depositing $ into the account but the money isnt there!

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 2021-01-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I have two fraudulent accounts on my credit report that I need removed however they continue to say they are accurate when they are not. Both accounts were opened under a false Date of Birth or a fake ID by whoever opened it. I sent the credit companies police reports FTC reports my ID and ssn to no avail. Please help me if you can.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-21 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: MA

Complaint narrative:
I have two fraudulent accounts on my credit report that I need removed however they continue to say they are accurate when they are not. Both accounts were opened under a false Date of Birth or a fake ID by whoever opened it. I sent the credit companies police reports FTC reports my ID and ssn to no avail. Please help me if you can.

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 2021-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/2020 three transactions were made on my accounts. The first one was a transfer from my saving to my checking in the amount of {$2000.00} cents to my checking, that was the entire money that I had in my saving, leaving my saving account with a balance of XXXX. On the same day a withdraw of {$1600.00} and another withdraw of {$1500.00} was made on my checking account leaving my account with {$160.00}. I called Citibank on the same evening of XX/XX/2020 to let them know that I didnt make these transactions. Citibank told me they were going to investigate and they sent me a letter telling me they are not going to refund me because the transactions were made with my debit card and pin # and since I didnt report that I lost my card, they are not responsible. My card was always in my possession and no one knows my pin # therefore I didnt have any reason to call them and let them know about my card. 
Please help me resolve this case.

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 2021-01-21 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Social Finance, Inc.
State: NJ

Complaint narrative:
I complained before see XXXX-XXXX. Unfortunately, the situation started up again recently. 

As agreed in my contract, a regularly scheduled payment of {$810.00} ( due XX/XX/XXXX of each month ) was paid on-line on XX/XX/2021 ( {$290.00} Interest and {$510.00} Principal ) I also mailed an additional payment ( a principal-only payment of {$5000.00} that was received by SoFi on XX/XX/2021. Unfortunately, {$29.00} was applied toward Interest and {$4900.00} was applied toward the Principal. 

Why wasn't the entire amount of {$5000.00} applied toward the principal since my regularly scheduled payment of {$810.00} was received and P & I had been applied accordingly? 

I spoke to a representative of SoFi on XX/XX/2021, and was told the correction would be made within 48 hours, but to no avail. Why hasn't the correction been made and it's been more than 48 hours?

Your assistance in this matter would be greatly appreciated. If I had known that SoFi displayed predatory lending practices I would not have used them for a personal loan. 

I am attaching a pic of my on-line account showing the discrepancy as described in the aforementioned.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX  XXXX Balance : {$20000.00} - This kind of account is noted as a charged off account. The account balance is truly inaccurate, be sure to remove the item fully. Please also offer documentation to make sure that all the charges and credits to this particular alleged account that caused the high credit number you have displayed on my report. My petition to give these records is seen as a standard information inquiry as per my privileges awarded through the fair credit billing act. If you're unable to deliver this data per my civil rights inquiry, you should automatically eliminate this specific erroneous entry.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

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 2021-01-21 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: MD

Complaint narrative:
i disputed some unauthorized credit inquires on my credit report and Equifax responded by saying contact the creditor and listed Equifax to be contacted i have attached a copy of their response

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX Balance : {$0.00} - As a client I have legal rights that are given to me to safeguard me from misinformation being noted on my credit report. At this juncture I need to generate a final inquiry for inspection before I check with my attorney for information on how to handle inaccurate and unverifiable issues that are ongoing to be established as genuine. Kindly give me along with a copy of the contract fixed or voice chat where I authorized billing me with this particular account. In any other case you need to update of this particular coming from my credit according to the Fair Credit Reporting Act as well as the Fair Credit Billing Act. 

XXXX XXXX XXXX Balance : {$0.00} - This collection account has been re-aged and is being reported past the legal time allowed. Also, provide me with a breakdown of the fees & authorization because I did not agree to have any of my information shared.

Company response to consumer: Closed with explanation