vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
On XX/XX/XXXX I disputed negative accounts that were listed on my credit report with transunion as well as the other bureaus since then there had been two disputes closed out without any information sent to me from Transunion regarding transunion investigations, the information I submitted for removal has not been addressed and it has been way over 40 days and two full months that Ive been disputing with them.they have failed to remove the negative accounts that were not mines or associated with me and that are on my credit profile.

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 2021-03-05 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: General Motors Financial Company, Inc.
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 GM Financial. The Account Opened is GM Financial Account Number : XXXX Date Opened : XX/XX/2017 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 response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have sent numerous dispute letters to XXXX, XXXX, and TransUnion disputing an erroneous bankruptcy that is being reported. The credit bureaus have failed to provide the necessary validation to keep the bankruptcy on my credit reports. I have attached the latest dispute letters and have provided the certified mail receipt numbers as evidence. 

Certified mail receipt numbers : XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: PA

Complaint narrative:
My card where my social security benefits go onto had expired. I charged XXXX cents at the atm to find that out. Then I called to find out where my new card was and was hold over 45 min. The guy said he didn't know what happened and they could expedite a card out in 2 days and charge me {$13.00}. I said I should not have to pay for a updated unexpired card to be shipped. Then I said I want it to be waived and he said he would transfer me. Then he just put me back in the line and I waited another 45 min to have a girl say they cant waive the fee. So she canceled the card then re issued it and I got a additional {$13.00} fee and a {$4.00} fee and {$1.00} fee. Why I have no idea. Then I called the next day on hold for a hour then the lady said she would have to put a request for the funds to be returned and nothing came of it. Then I said I was suppose to get a tracking number to see where my new card was. I never got one. So again I waited on hold for a hour only to have someone answer then drop the call. Called back again again waited 45 min got a girl on the phone said she would have to transfer me back on hold as we speak its been 35 mins. I got the number to file a complaint said they would escalate it and I would get a call back in 24 hours no call. called the complaint number again and this time told me 3 - 5 business days to get a call back no one ever called. Well I finally got the card and now I had automatic fees hit my bank account and late fees. Went to activate the card and had to wait on hold over a hour just to tell me I would have to put the numbers in instead of my ssn no where anywhere on the card paperwork did it even say that. I'm on hold currently trying to talk to someone about the fees on my card

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-05 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: BTH Management
State: AL

Complaint narrative:
Plaza Services of XXXX XXXX XXXX XXXX XXXX XXXX phone # XXXX I do not have an account with this company. Plaza Services have been sending me collection notices in the amount of $ XXXXThe collection has been reported as a past due balance. I do not owe this company. I have never done business with this company. This company does not have a contract with my signature on it.

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 2021-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: NC

Complaint narrative:
I received a call, answered and then was hung up on. On calling back, the company has no opening automation of the company name nor intent. 

Upon speaking to the representative XXXX and her asking if I was XXXX XXXX, I asked who was calling, she says XXXX. I clearly meant the company she represented, upon telling me Convergent I asked her what that company was. 

I hang up, look it up, call back, and ask why I did not receive a mini Miranda I.e. This is a debt collector attempting to collect a debt and any information may be used for that purpose. 

I asked if she was a debt collector attempting to collect a debt which she refused to answer, by repeatedly asking me back if I was XXXX XXXX. 

I know nothing of the debt or the company but the deceptive tactics and violation of the Fair Debt Collection Practices Act ( by refusing to state they were a debt collector ) is why I am reporting.

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 2021-03-05 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
XX/XX/XXXX I submitted an inquiry for debt validation of an account I did not recognize as valid on my credit reports. I received a letter post marked XX/XX/XXXX with copies of paperwork I do not recognize and a signature that is not my own. Within this documentation is no legal binding proof of identity which was explicitly requested. Furthermore the documentation provided references XXXX and not NCB Management Inc, in which I do not owe and have never owed. NCB continues to report and attempt to collect a debt that is not owed to them or by me at all. I've since disputed this reporting with XXXX, XXXX, and XXXX to no avail. This negative inaccurate reporting is hurting my credit worthiness and affecting my life. 

I am asking for a correct review of this file and that correct information and proof be provided and or reported which is my right as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I received a copy of my credit report and found the following item ( s ) to be errors. See the attached copy of my credit report ; the errors have been highlighted. Here as follows are items in error :

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 2021-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
This is not my debt and the documentation provided does not at all validate the amount they are attempting to collect from me. I received a letter from Portfolio Recovery Associates claiming that I owe a debt associated with this account they claim is mine. In response, I promptly mailed PRA a letter requesting GAAP debt validation. I never received response from PRA in response to my GAAP request, or did they respond to requests regarding other debts they claim I owe. In researching this company, it seems to be a common complaint that debt validation requests are not responded to. Despite not responding to my timely debt validation request, they continued to make collection efforts, including reporting this non-validated debt to all three credit bureaus, which they are not allowed to do without proper validation/response to my timely GAAP request. I recently disputed this with XXXX. In response, PRA responded to them with their claim that this debt is valid. They then mailed me a statement they claim is from this account from XX/XX/2016, which has a dramatically different amount than what they are claiming that I owe, the amount on the statement is {$830.00} yet PRA is reporting {$1400.00} and there is no explanation let alone proof as to the accuracy of that amount or their collection authority over this account, or a cardholder agreement, etc. I do not have this account on my credit report, so I believe the original creditor does not feel I owe this delinquent debt. It is my further understanding that both CFPB and the DFPI have investigated and filed lawsuits due to this company attempting to collect invalid, inaccurate debts, and sometimes fraudulent debts. To be clear, I am not acknowledging that this debt is mine, I am simply asking for assistance in getting this invalid inaccurate account removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Diversified Adjustment Service, Inc.
State: OK

Complaint narrative:
XX/XX/2021 I called DIVERSIFIED ADJ SVC at XXXX around XXXX My call was to settle a debt that I did not know I owed. 

The person I spoke to verified my information and pulled up my collection. 
I told them I wanted to settle with a pay to delete agreement. 
That's when this guy got loud, hateful and wouldn't let me talk. 
He kept repeating that I will not receive anything from them that has my balance or an agreement to pay to delete. They will only take full payment today without anything stating I owe the debt. Then he starts calling me a liar and saying I am, in his words " XXXX XXXX XXXX '' then hangs up on me after I cut him off from this very aggressive conversation that he turned it into and said " how am I XXXX XXXX XXXX, I didn't even know I had this debt '' he hung up on me. 

I called back and spoke to another person who refused to let me talk and then started asking for my attorney information. I disconnected the call at that moment. 

I was simply trying to pay a debt with an agreement in some type of writing with my balance I owe ( not paid ) and that when it is paid the debt will either be removed or updated with a XXXX balance. 

Debt collectors like this makes it hard for people to get out of debt. They only want to bully us and when they don't get their way the get rude and hang up.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I sent several letters to all three credit bureaus to request them to investigate the following items : Transunion Dear Transunion, Credit Inquiry from XXXX XXXX, Inquiry Info : HARD Inquiry : Finance - XXXX Reason : This inquiry was not authorized Credit Inquiry from XXXX XXXX, Inquiry Info : HARD Inquiry : Finance - XXXX Reason : This inquiry was not authorized Credit Inquiry from XXXX XXXX XXXXXXXX, Inquiry Info : HARD Inquiry : Banking - XXXX Reason : This inquiry was not authorized Credit Inquiry from XXXX, Inquiry Info : HARD Inquiry : Banking - XXXX Reason : This inquiry was not authorized Credit Inquiry from XXXX, Inquiry Info : HARD Inquiry : MiscellaneousAndPublicRecord - XXXX Reason : This inquiry was not authorized Credit Inquiry from XXXX XXXX, Inquiry Info : HARD Inquiry : Finance - XXXX Reason : This inquiry was not authorized Credit Inquiry from XXXX XXXX, Inquiry Info : HARD Inquiry : Banking - XXXX Reason : This inquiry was not authorized Per the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ), you are required by federal law to clearly and accurately disclose all information in my file at the time of this request. Please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. By law, unverifiable accounts must be removed. 

Thank you for your prompt attention to this matter.

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 2021-03-05 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:
On XX/XX/XXXX I disputed negative accounts that were listed on my credit report with XXXX as well as the other bureaus since then there had been two disputes closed out without any information sent to me from XXXX regarding XXXX investigations, the information I submitted for removal has not been addressed and it has been way over 40 days and two full months that Ive been disputing with them.they have failed to remove the negative accounts that were not mines or associated with me and that are on my credit profile.

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 2021-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
I have a conventional fixed mortgage with Bank of America. My loan was in forbearance due to COVID. I elected the option that was offered to me by Bank of America in XXXX of XXXX per federal banking guidelines. I have been making regular monthly payments to them since XXXX of XXXX with the mobile banking app that I have been using to make these payments over the last several years. ( pre-COVID crisis ) This is based on their requests and recommendations in XXXX of XXXX. I was told those payments would trigger the option to extend the past due amounts to the end of my original loan and the issue of past due payments would be resolved. Those mortgage payments I made are recorded through outgoing banking transfers shown on my personal banking statement. The Bank of America has informed me that I am in default as of XXXX of XXXX due to non-payment. I have called them to resolve this. They say I have to produce banking statements that show payment to that account although, they have accepted those payments from my personal bank account. Where did these credit/funds go since my personal bank account has since been debited to Bank of America for {$990.00} on XX/XX/XXXX and XX/XX/XXXX? I am concerned this will affect my credit rating in the future as a past due debt. I have talked to their loan officer who asked me several questions and also wanted to know why I did not make any payments in XXXX. I explained the situation and his response was, " Well, I have no record of these payments. You must show proof. '' I explained the situation to him and he allowed our communication to devolve into an argument. My perception is that when dealing with Bank of American home mortgage with any situation outside of the 'box ' they do not listen to their customers and are very quick to claim default on loans that have been given forbearance. they also do not recognize bonafide banking transfers as payments and insist on unnecessary documentation to prove I made payments to them. This is a delaying/stalling tactic to float money from private citizen payers who do not have the support of easy money through the federal banking system. The bank statement also states I will owe late fees if they do not receive timely payment.

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 2021-03-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC
State: IN

Complaint narrative:
XX/XX/XXXX We refinance our home with CrossCountry Mortgage LLC this was a Cash out when we close with the title company Cross Country told them to give us all the money but to hold back {$2400.00} and that CrossCountry would put it into Escrow. When I notice that we were missing {$2400.00} I call CrossCountry and I was told yes we have it in Escrow. I told them to send me the funds ASAP. I never got it. So as you can see I have written them 10 times begging for our funds. then in XX/XX/XXXX I sent the head office of CrossCountry a letter telling him that if I did not get our {$2400.00} that I was only going to send XXXX of the XXXX payment and that they would take the rest of the payment out of the escrow account. So that is what I did XX/XX/XXXX. CC reported to all three Bureau 's that I had missed a payment causing my XXXX  dropped XXXX points. They have cause us all kinds of problems. Then I got a litter from CC telling me that they had raise our payment XXXX because out Property Taxes had went up. Now this was XXXX per month for one year. I went to the XXXX XXXX to see if it was true. that would have ment that our taxes went up {$1100.00} a year. XXXX XXXX told me no you P/Taxes only went up {$61.00} for the hold year XXXX. I sent the head office of CC that they was not to raise our Taxes XXXX each month, that they was to have taken the XXXX out of our escrow account. 
CC just wanted to rip if off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc

Complaint narrative:
Hey paypal limited my account even i provided all the documents required and after that they start charging me XXXX XXXX at every dispute or chargeback and i never heard of that before.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mountain Run Solutions, LLC
State: GA

Complaint narrative:
Mountain Run Solutions LLC is attempting to collect on a debt that is not owed to them anymore and has been sold to another company. They can not report this as this is illegal. This collections was a result of fraud and hereby contested. Please remove this derogatory information from my credit file asap.

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 2021-03-05 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: OH

Complaint narrative:
On XX/XX/2021 I submitted a dispute request to XXXX, as I successfully identified some inaccurate information on my consumer credit file. On XX/XX/XXXX I received notice that my disputes were opened on my behalf, which is about 45 days from my initial submission. This is now my third attempt at submitting this complain, since XXXX is requiring an authorization. I reached out to XXXX directly on Friday, XX/XX/XXXX at XXXX XXXX EST and spoke with XXXX. XXXX advised the disputes were complete, but no change was made to my report. That obviously can be true since they're reporting incorrectly. Which lead me to next questions. Who validated the debt and what tools were used to investigate my dispute? 

XXXX advised he was unable to provide me with that information and advised I should contact the creditor. That's complete XXXX backwards seeing as how XXXX is the one impugning my representation with their inaccurate reporting. That's compounded by the fact that they didn't even perform a legitimate and reasonable investigation. 

As a consumer, protected under the FDCPA I'm entitled to know the details of any investigation in the matters of MY consumer report. Furthermore, any investigation of any erroneous, inaccurate or unverifiable 'so called debit ' is required to be handled within 30 days unless notified by the Bureau . 

XXXX is violation of the FDCPA as it pertains to the FCRA. Without covering, each article of FCRA I've determined XXXX has violated on at least 5 times, which carries a penalty up to {$1000.00} per occurrence. 

This is my last and final attempt before I submit a formal demand to be filed with the court requesting restitution. 

I am not a lawyer, but a 'natural person ' and a consumer. I demand XXXX provide remove these items from my report immediately and provide proof of the alleged debt, along with their mode of investigation.

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