vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capital Management Services, LP
State: CA

Complaint narrative:
After noticing two charge-off accounts on my credit report. I reached out to both XXXX  XXXX XXXX XXXX as well as Capital Management Services with a certified letter on XX/XX/2021 to settle debt owed. My letter stated that I was willing to pay the debt in it's entirety once I received a letter of deletion from an official representative from the company. My letter also stated that my offer to pay willing expire in 30 days from letter sent. It's been two months and I haven't heard from either company.

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 2021-08-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Federal Credit Control, Inc.
State: PA

Complaint narrative:
MY MEDICAL DEBT WAS REPORTED TO MY CREDIT ILLEGALLY ACCORDING TO 15 U.S CODE 1681B ( G ) ( 3 ) BY FIRST FEDERAL CREDIT CONTROL IN THE AMOUNT OF {$450.00} XX/XX/2020 {$290.00} XX/XX/2020 {$290.00} XX/XX/2020 {$270.00} XX/XX/2020 {$190.00} XX/XX/2020 XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Better Mortgage, Inc.
State: NC

Complaint narrative:
I was pre-approved for a home loan with Better Mortgage. I got them all of the financial information they requested within 24 hours. They did not get the appraisal done. My home has sold. Asked repeatedly about getting the appraisal done. They waited until 10 days before my close to do it. It's still not done, my home is supposed to close in one week. I have to move because my home sold. I do not know if I can move into my new home because we do not have a completed appraisal. I've been asking every day for several days. I keep being told that it will come in tomorrow and it never does. I am at risk of being homeless. I'm also at risk of being out several thousands of dollars because I have already paid for and booked the moving company. They are now avoiding my emails and I have being placed on hold for several minutes and no one is getting back to me. I have excellent credit. I would have not used this firm if I knew this was going to happen. What if my house does not appraise for the value it is listed at? I do not have the money to make up for the difference. What if the appraisal is not done before I am supposed to move? This is completely crazy. I feel duped and I am XXXX and very scared of being homeless.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Real Time Group, Inc.
State: MD

Complaint narrative:
File bankruptcy several years ago and the bankruptcy has been discharged. The debt collectors are still mailing me letters stating that I owe {$75000.00}. 
An automatic stay specifically states that a creditor can not contact me to collect a debt after i filed bankruptcy. Continuing to try to collect after a bankruptcy has been discharged is illegal. And id like to start a lawsuit. I'm so tired of receiving yearly random treats from Real Time Resolutions, Dept XXXX, XXXX XXXX XXXX, XXXX PA XXXX. 
RTR File Number XXXX XXXX Other address listed : XXXX XXXX XXXX XXXX TX XXXX website XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 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: LoanCare, LLC
State: CA

Complaint narrative:
To Whom It May Concern : I submitted a previous complaint to CFPB ( # XXXX ) which the mortgage company in question ( LoanCare Loan Servicing ) responded to by providing a letter ( dated XX/XX/XXXX ) to myself, and also to CFPB under aforementioned complaint, stating that all 30-Day late reporting during Covid-19 Forbearance ( from XX/XX/XXXX through XX/XX/XXXX months ) would be corrected/amended to show as current. That is, the 30-Day lates between this time would be removed from my credit reports. The letter also stated they would notify all Credit Bureau 's to inform them of the correction. On the following dates I initiated disputes with the Credit Bureau 's to update their records to remove the late reporting : XXXX ( XX/XX/XXXX, Dispute No. XXXX ) ; XXXX  XXXX XX/XX/XXXX, Report XXXX. XXXX ) ; and XXXX  ( I could not login to their dispute website and the dispute hotline kept booting me off ). I also spoke to LoanCare Customer Service Rep, XXXX XXXX, on or around XX/XX/XXXX, and she advised I initiate disputes with each Credit Bureau if credit report was not updated after 45-60 days of date of letter of XX/XX/XXXX. We are now on XX/XX/XXXX, 77 days after, and all credit reports have not updated my account information to remove the 30-day late 's being mentioned here. Due to this, I still can not apply to refinance my home in hopes of lower my payment, and take advantage of low rates. Please assist as I feel I can not get things resolved with Credit Bureau 's, or if my loan servicer has not reached out to Credit Bureau 's to correct this. 

Your assistance will be much appreciated. 

Sincerly 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 2021-08-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Direct Recovery Services, LLC
State: TN

Complaint narrative:
The company is calling my office and leaving messages on another coworkers phone about my debt with the company. I have spoken to the company and have EXPLICITLY EXPLAINED that this was my place of work and that the number on file was not my number. I even gave them my phone number. They are continuing to call my job.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Activehours
State: TX

Complaint narrative:
I was notified that my debit day was changed to wednesdays, so I chatted in to their customer service line as this was strange. My paydays are always friday like most of americans. They told me that since my bank would post the deposits on wednesday most of the time they changed it. I let them know that this does happen but in no way was it something that was guaranteed because it depends on the bank and they don't have to post on that day. They assured me that it would be fine and that if there were any issues of overcharges due to the date then they would help and change the date. 
Now that it has happened, they drew the money today wednesday XX/XX/21 and of course my bank hasn't posted the deposit yet. They refuse to change the date stating that its always on wednesday so they can't even though its obvious that is incorrect. They also won't credit the overdraft fees as promised because of their error. I have been in chat with them for 3 hours now and they won't even change the date. They say its based on an algorithm but obviously its broken because this has happened. 
They have made no attempts to assist and then managers have been worse then the agents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Three DEPT OF VETERANS AFFAIRS XXXX is incorrectly reporting late payments 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 2021-08-25 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: CA

Complaint narrative:
Three DEPT OF VETERANS AFFAIRS XXXX is incorrectly reporting late payments 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 2021-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
There are inquiries on my Equifax report that was not authorized by myself. i contacted Equifax to report these fraudulent inquiries and was told I had to go to FTC.gov and fill out a report and then fax it to them in order to get these items removed. the item are listed below. 


XX/XX/XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX, VA XXXX XX/XX/XXXX EQUIFAX MORTGAGE SERVICES, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IA XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Below are the lists of the erroneous accounts reporting on my credit report : XXXX XXXX - Balance {$110.00} -Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX - Balance {$0.00} -Date Opened : XX/XX/XXXX XXXX XXXX- Balance {$0.00} -Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX/- Balance {$0.00} -Date Opened : XX/XX/XXXX XXXX XXXX - Balance {$0.00} -Date Opened : XX/XX/XXXX XXXX XXXX XXXX  - Balance {$0.00} -Date Opened XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 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: TX

Complaint narrative:
On XX/XX/2021, I wrote to you requesting an investigation into items that I believed were inaccurate. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed I file a dispute in regard to incorrect items on my credit report it has been well over 30 days and I've not receive any investigation results.15 U.S. Code 1681i - Procedure in case of disputed accuracy

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 2021-08-25 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: IL

Complaint narrative:
I have the following unauthorized inquiries on my credit report and they may be fraud related : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-08-25 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: CT

Complaint narrative:
On XX/XX/2021. I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 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: SC

Complaint narrative:
Formal notice that you have failed to respond in a timely manner to my dispute letter of XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX  XXXX is showing late payments when it should not and XXXX XXXX card is also showing late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX, I emailed to Portfolio Recovery Associates dispute website and informed them to CEASE and DESIST and to stop any communication to me because I am disputing the debt. 

Since XX/XX/XXXX I have been getting a lot of phone calls from disguise numbers and some of the phone numbers that are calling to my phone number are not working numbers or the person answering my call back did not call me. 

Today I received a collection from PRA, LLC in the mail regarding my payment options including information of a letter about the debt they sent to me around the time ( XXXX XXXX ) when PRA, LLC purchased the debt from XXXX XXXX XXXX 

As you will see in the letter ( attachment to this complaint ) from PRA, LLC. As you will see, I was not living at XXXX # # XXXX XXXX XXXX. In XXXX XXXX.No one in my family were living there. I moved out in XXXX from XXXX XXXX XXXX Never received letter or information from PRA , LLC in XX/XX/XXXX concerning this debt.

PRA, LLC violated the FDCPA collection practices then and now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Cashing a check
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
Someone wrote me a check from USAA Federal Savings account. I deposited the check with my band and it has been on hold for 5 days. I just called USAA to confirm that the check has sufficient funds and they were extremely rude and intentionally hung up on me. Every financial institution allows people to confirm sufficient funds on check, when I called USAA this was news to them and disconnected my call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 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: CA

Complaint narrative:
I sent a signed affidavit to Experian and it was ignored.

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 2021-08-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
The message said Chase Fraud : Did you use your card **** at XXXX on XX/XX/24. Reply yes or no standard messaging rates may apply. 

This was a text message from a number XXXX. It was not a phone number. What was bothersome was they actually put the last XXXX of my credit card in the text, and they knew that those XXXX numbers belonged to my card at that bank. But thats what made me think it could have been legit. I almost clicked NO, I didnt use it there. But before I did that I asked my son, he suggested checking my bank acct to see if there was a charge to XXXX. But since there wasnt, I saw no reason to answer that text. Plus my first gut reaction was possible something fishy was going on. I would think my bank would contact me another way regarding fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: IN

Complaint narrative:
CBE GROUP pulled my credit report with out permissible purpose which is a violation of 15 U.S. Code 1681n ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow They also did not notify me in written which is a violation of 15 U.S. Code 1692g ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I'd like to file a formal complaint against Equifax for failing to unfreeze my credit after multiple attempts at having them do so. 

I have been the victim of severe identity theft and therefore have to freeze my credit, however, I have opened a new company, and need to have access to my reports as I take out loans as needed. It has been excruciating to deal with all three credit bureaus, Equifax remains unable to unfreeze my credit, despite sending us XXXX  different notices that they have unfrozen my reports. 

I have sent in XXXX, once by XXXX  XXXX and the other by Fax copies of my driver 's license, social security card, mortgage statements and electricity bills to prove proof of residence. I spent XXXX hours on the phone with the highest level of management at Equifax, to no avail. Still today, I am unable to have my bank access my reports, and I am now losing crucial money and time. PLEASE investigate this company, as they are doing a great deal of harm, not only to me and my family, but to others who are repeatedly trying to contact Equifax and the bureaus and hitting a brick wall. If I can't obtain this loan I am at risk of losing my house, and the credit bureaus do not care.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I filed Disputes with all three credit bureau reporting agencies on XX/XX/2021 ( XXXX  XXXX, XX/XX/2021 ( XXXX  XXXX and XX/XX/2021 XXXX Transunion XXXX against XXXX XXXX XXXX. As of XX/XX/2021, my XXXX  XXXX XXXX student loan was paid in full and therefore closed. On XX/XX/2021, both XXXX  and Transunion closed my Disputes with no change to my account balance and status, because XXXX XXXX XXXX  advised each that I still have a balance when in fact that was ABSOLUTELY false and unsubstantiated by their own records. I dont know why XXXX XXXX XXXX would intentionally provide a fraudulent response, one that has harmed me and caused extreme stress.

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