vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
This is regarding Portfolio Recovery Associates. 

In XX/XX/2020, I noticed a new item reported on my personal credit report from Portfolio Recovery Associates ( PRA ) for a debt that I do not owe and that does not belong to me.

I sent multiple certified letters to PRA asking for verification of this so-called debt, and if they could not provide it to both stop contacting me in an attempt to collect it AND to properly update my credit report by removing the false debt.

Thus far, PRA has not responded to any of my written requests, and yet they use a robocaller to my cell phone 3-4 times a day attempting to collect this false debt. Thus far, they have been unable to provide a single piece of information, data, or evidence of any kind that this so-called debt belongs to me and it's validity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
I contacted GM Financial 3 to 4 times letting them know that I had lost a part-time job due to COVID-19 and that I was suffering a hardship. The first reply I received was asking if I had received a stimulus check and their were not any programs to help me, then they repossessed my vehicle the night before I had to go to work, leaving me stranded. Now I've had to pay them all back monies owed plus the fees for the repo. Now I might lose my house!!!!! Thanks GM

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 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 or XXXX of this year 2020, I submitted a dispute letter to TransUnion, XXXX, and XXXX about inaccuracies being reported on my credit report. I included identification documents and a utility bill. I also included screenshots of the accounts and highlighted the inaccuracies being reported. I also requested copies of documents for each of the accounts including the Original Contract, Pay Off Disclosure, Interest Rate Disclosure, Balance History, Payment History, and Credit Insurance. On XX/XX/2020 i submitted a 30 Day Demand To Comply Letter. I am asking for the accounts to be deleted from my credit report completely immediately. I have not gotten a response from the company and it is past 30 days. Please help.

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 2020-11-24 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: UT

Complaint narrative:
I sent out disputes to the credit bureaus multiple times and have yet to receive any correspondence from them. Out of all 3 buraus NONE of them have yet to get back to me or provide any results. I know that with Covid there is a delay but they can not flat out ignore my disputes for the items on my credit I need removed! They still have to legally provide results and respond to me regardless of this pandemic! They are reporting serious errors on my credit file and they need to provide me results.

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 2020-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: KEYCORP
State: CA

Complaint narrative:
XXXX from Key Bank called with no answers-I told her to overnight my card uts been 15 months. She refused. This bank stole {$2000.00} and is refusing to send a working card. I asked for card XX/XX/2020 and XX/XX/2030 and still have no card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 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: TX

Complaint narrative:
Upon reviewing my credit report, I noticed that there are several errors on there that are severely impacting my credit. Please investigate these accounts.

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 2020-11-24 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: TN

Complaint narrative:
I am confused and mad at the same time. I'm really trying to figure out how this bureau is even verifying anything on my report when it is clearly inaccurate!!! Its so inaccurate that XXXX  deleted these items!!! I've reached out several times to this bureau with no response on the investigation. The dates were XXXX, and XX/XX/2020. This is proof of more than 60 days since I sent my dispute when they are required to supply results in 30 days. Please make this bureau comply with the FCRA requirements.

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 2020-11-24 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: Prosper Marketplace, Inc.
State: IL

Complaint narrative:
On XXXX. XXXX, 2020, PROSPER/XXXX  add a hard inquiry on my credit report per 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 2020-11-24 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My issue is that I made an overpayment to my personal line of credit in the amount of {$14000.00} ( XXXX XXXX dollars overpaid ) and I am requesting that those funds get transferred to my personal checking account with the same bank and I am being told that the process will take 45 days, this is not acceptable The amount owed on the account was {$10000.00} and I accidentally paid {$24000.00} I am owed {$14000.00}, just to be clear

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 2020-11-24 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:
On XXXX. XXXX, 2020, EQUIFAX MORTGAGE SER add a hard inquiriy on my credit report per Equifax. No contact information has been reported by this creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Concerns : EQUIFAX not participating in suppling " Free Credit Reports ''. 

On ~XX/XX/XXXX, I requested ONLINE my " Free Credit Report '' from EQUIFAX XXXX 
EQUIFAX declined my online request and stated I had to mail my request. 
ON XX/XX/XXXX, I mailed my request for a EQUIFAX free credit report to address I was given. I filled out the " Annual Credit Report Request Form '' correctly and mail it to : * Annual Credit Report Request Service XXXX XXXX XXXX XXXX, GA XXXX By XX/XX/XXXX, I still had received no response of any kind. So I called the phone number I was given, " XXXX '' and requested a EQUIFAX free credit report and answered all the questions. At the bottom of the " Request Form '', it states that " Your Request Will Be Processed Within 15 Days of Receipt and Then Mailed to You ''. 

*I still have NOT, as of XX/XX/XXXX, received any response from " EQUIFAX '' of any kind. 
There is never a problem with XXXX or XXXX ( online ) when requesting & receiving the free credit report. Every year there is a problem with EQUIFAX. I have not moved from my house in ~25 years and answer the questions for the report the same way for each company. I request a " Free Credit Report '' from each company during the year.

Why is EQUIFAX allowed NOT to abide by " Free Credit Reporting '' laws?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 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: UT

Complaint narrative:
I sent out disputes to the credit bureaus multiple times and have yet to receive any correspondence from them. Out of all 3 buraus NONE of them have yet to get back to me or provide any results. I know that with Covid there is a delay but they can not flat out ignore my disputes for the items on my credit I need removed! They still have to legally provide results and respond to me regardless of this pandemic! They are reporting serious errors on my credit file and they need to provide me results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 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: UT

Complaint narrative:
I sent out disputes to the credit bureaus multiple times and have yet to receive any correspondence from them. Out of all 3 buraus NONE of them have yet to get back to me or provide any results. I know that with Covid there is a delay but they can not flat out ignore my disputes for the items on my credit I need removed! They still have to legally provide results and respond to me regardless of this pandemic! They are reporting serious errors on my credit file and they need to provide me results.

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 2020-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
( 6 ) Fraudulent charges ( totaling {$1500.00} ) were made to my Capital One, N.A checking account via Debit Card on XX/XX/XXXX. After seeing charges I immediately canceled my Debit Card and informed Capital One of the fraudulent charges. I disputed the charges once posted to my account and was issued a provisional credit pending determination of claim. On XX/XX/XXXX, I received a form letter from the Bank denying my claim and the money with be withdrawn from my account on XX/XX/XXXX. I have opened an appeal of the denial with Capital One Bank. No person had every contacted me to discuss my original claim to make a determination. Furthermore, I have never lost possession of my Debit Card, nor authorized any person to use it. Capital One had sent a new debit card ( that I had not authorized ) via USPS to me to replace my debit card that was set to expire on XX/XX/XXXX. This card was sent before these fraudulent charges occurred. I have never received this card. I believe this card was intercepted, fraudulently activated, and used to make fraudulent purchases. I have complained of the missing/ activated card several times to Capital One when I complained of the fraudulent charges and, up until my last call to dispute their denial of claim, it was never noted on my account. I have asked several times for a person making the determination of my claim to contact me and no person has. I am further making a complaint for malfeasance and gross business practices for sending a replacement card without my authorization, letting said card be activated for use for credit purchases without my authorization, and, when fraud was reported and claim for re-imbursement was made, not contacting me to discuss what my complaint before making a determination. I have appealed my denial with Capital One Bank and have a claim number. I have also made a complaint to my local Police Dept. and with the XXXX XXXX XXXX Division of Financial Services in regards to the fraudulent charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
On XXXX XXXX, 2020 I ordered merchandise online from XXXX XXXX {$71.00}, which Barclays charged to my Credit Card on XXXX XXXX, 2020. 

XXXX claimed that it was delivered to me twice ( I do not know why one order will be delivered two times ) : 1. XXXX XXXX, 2020 - at XXXX XXXX  - XXXX claimed also that I receipt of the order, which was IMPOSSIBLE because I was on training at the Census Bureau, which is more than 10 miles from my apartment. 

2. XXXX XXXX, 2020 - The Delivery Man of XXXX admitted that he was not able to access ( enter ) the apartment building. Which is true because all people without key to the building must dial the number of the Tenant and in return the Tenant must pressed a certain number to open the gate of the building. 

So the Delivery Man was not able to enter the building for the second time. 

THERE WAS NO DELIVERY OF THE ORDER, FIRST OR SECOND, JUST ATTEMPTS, STILL BARCLAYS BELIEVED THERE WAS AND DOES NOT WANT CREDIT MY ACCOUNT FOR {$71.00}.

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 2020-11-24 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: TN

Complaint narrative:
I am confused and mad at the same time. I'm really trying to figure out how this bureau is even verifying anything on my report when it is clearly inaccurate!!! Its so inaccurate that XXXX deleted these items!!! I've reached out several times to this bureau with no response on the investigation. The dates were XXXX, and XX/XX/2020. This is proof of more than 60 days since I sent my dispute when they are required to supply results in 30 days. Please make this bureau comply with the FCRA requirements.

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 2020-11-24 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: SC

Complaint narrative:
Upon reviewing my credit report, I noticed that there are several errors on there that are severely impacting my credit. Please investigate these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I'd like to report a complaint against TD Retail Services for mishandling the repeated requests I made to resolve late payment issues that has resulted in multiple delinquencies on my credit report. I purchased XXXX phone in early 2019 on a XXXX which I arranged to pay via Autopay from my TD checking a/c. First few payments went ok with no issues, and then auto payments stopped without my notice. A month I received a strange letter stating that my payment was due. The letter was strange because it was not on a good quality paper, and had no logo or credentials on it. So I ignored it, until i started getting recurrent letters in my mail every week. I contact TD customer service and told them the issue I was having, the TD agent asked me email her a copy of this letter. I was put on hold, and the agent said that this letter definitely looks like some kind of shady scam, so she asked me to ignore these letters, so I did. 4 month later I had collected so many of these letters that it worried me and called up the number of that letter but got no response. Then I called TD but got no resolution. Few weeks later, I received a voice mail asking me to pay {$440.00} else they will send me to collections. At that point I had no choice but to pay in order to avoid a ding on my credit score. I called TD bank and requested for explanations repeatedly, but got no response. I emailed to TD executives multiple times but they never bothered to respond to me. Then, I filed a complaint to TD Ombudsman and i got a response. The TD Customer Care Advocate III responsible investigated my complaint, which I now call very superficially and told me that all my claims are baseless and that TD is not at fault but I am, for ignoring those letters. When asked to look into the conversation record, my request was outrightly denied and upon further pressing, the same TD employee told me no such phone record exist and thats when she stopped responding. Coming from TD 's President 's office employee that " no record of such conversation exists '' is a complete lie. I have paid {$440.00} as late fee and my credit report is affected because of irresponsible and ignorant actions of one TD customer care agent. I have no trust left in TD Bank and any of its services and all I care for is to get get reimbursed {$440.00} so I can close all my ties with TD Bank. Employees from TD President 's Office have shown nothing but arrogance and power to overrule my complaint. I regret being associated with such horrible bank service and hereby request your office to kindly intervene and help me get a justified resolution to mycase. Any help from your office will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC
State: AR

Complaint narrative:
On XX/XX/XXXX, I received a collection letter from Sunrise Credit Services that XXXX placed my account in collections. After contacting XXXX, it was confirmed to be an error and should have never been placed in collections. 
MULTIPLE times I contacted Sunrise and spoke with XXXX XXXX. She said she was a supervisor and I needed to file a dispute. She said they would not contact XXXX to confirm the account was sent to collections as an error. XXXX gave me the email address to send my dispute and I did on XX/XX/XXXX and again on XX/XX/XXXX. On XX/XX/XXXX I received a letter from XXXX XXXX stating they have tried to contact me numerous times and failed so XXXX had asked them to report my debt to my credit report ( both lies ). Today, XX/XX/XXXX, I contacted XXXX with sunrise again and she still refused to contact XXXX and stated they still did not receive my dispute and gave me the address to mail her a dispute. After hanging up with XXXX I contacted XXXX again and spoke with a supervisor who stated I did not owe anything and sunrise had been notified of that. Since sunrise refuses to help me, I was advised to make a complaint.

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 2020-11-24 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: TN

Complaint narrative:
I am confused and mad at the same time. I'm really trying to figure out how this bureau is even verifying anything on my report when it is clearly inaccurate!!! Its so inaccurate that XXXX  deleted these items!!! I've reached out several times to this bureau with no response on the investigation. The dates were XXXX, and XX/XX/2020. This is proof of more than 60 days since I sent my dispute when they are required to supply results in 30 days. Please make this bureau comply with the FCRA requirements.

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 2020-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
I sent Transworld Systems Inc a letter on XX/XX/XXXX, to the address reported on my credit report. That mail was returned to me. I don't know who they are or why they are on my credit, and now I can not request validation of the debt pursuant to the FDCPA. They have reported incorrect information on my credit report, substantially in the form of THEIR OWN ADDRESS! They are required by law to report 100 % factual information, can they be trusted to do this when they can not even update the credit bureaus with their own address?

Company response to consumer: Closed with explanation