vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-23 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: Specialized Loan Servicing Holdings LLC
State: OR

Complaint narrative:
My wife and I have been trying to get a hold of Specialized Loan Servicing from XX/XX/2020 up to the current date XX/XX/2020 after calling and being on the phone for more than 40 minutes on with an automatic service being transferred from one place to another without being able to speak with an actual person, leaving a call back number, emails. also having a third party to contact them on XX/XX/2020 throughout the entire day no response. I have exhausted all forms in order to get a hold of them with my concerns on my mortgage I have also filed a complaint with the XXXX  on XX/XX/2020 for this matter in hopes of some type of resolution but I have not yet gotten a callback. It has been a nightmare dealing with this mortgage 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 2020-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
We went on a vacation to the XXXX XXXX, they forged our signatures for a membership to their vacation resort. We called Comenity Capital Bank ( XXXX XXXX  ) and told them we did not approve of the charge. When we got back to the US, we received credit cards from Comenity saying we owed {$24000.00}. {$12000.00} on credit card in my name and {$12000.00} on a credit card in my husband 's name. We called the company and told them we already told them we did not approve and they reported they had no log of our phone call. We again stated we did not approve of this transaction and that it was fraud. They reported they could find no basis to support our claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I was a resident of the XXXX from XX/XX/XXXX until XXXX of XXXX. My lease was up. I was looking to purchase a home, which I did. The XXXX consistently falsified information to the lender in order to keep me from getting my home. I left the XXXX with the last month paid and was closing on my home. I never heard from the XXXX. then in XX/XX/XXXX procollect began reporting on my credit that I owed a debt to the XXXX. I contacted procellect and explained that the FCRA prevented any company from placing any negitive item on my credit more than 180 days after the delinquency. Pro collect was attempting to collect from a closed account from 365 days prior, by this time I had discarded any receipts, I only keep for six months. I spoke to pro collect and let them know that they were in violation of the FCRA " ( c ) Running of Reporting Period ( 1 ) In general. The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) 6 of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. '' they had no regard for the law and continued to bager me with insults " you shoulda paid your debts i dont know whats wrong with you " which can be heard on the recorded call XX/XX/XXXX around XXXX ish.

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 2020-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TCF NATIONAL BANK
State: WI

Complaint narrative:
I received a deposit for a XXXX XXXX loan the funds are being held until I produce documents for a different type of loan that I do not have I talk to my lender and they stated they should not be holding my funds I provided documents related to the loan I have on XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 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: EQUIFAX, INC.
State: WI

Complaint narrative:
A bankruptcy is inaccurately showing on my report. It should be removed. This goes back to 2013. Please remove this from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 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: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I called the company they have none of my information in their system and said they have no accounts listed to me thats listed on my report they told me to make a complaint and dispute it So Im doing that please help take this off my credit report. Ive been working to hard I also was notified by police that someone tried to use my and my husbands bank cards and are charging the person who they found with them.

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 2020-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
Looking over my credit report and noticed there was an account that does not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following account is listed below : XXXX XXXX # XXXX, COMENITY BANK/VCTRSSEC # XXXX, XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
On XX/XX/2020, I placed an order through the Internet for a transmission for my truck with XXXX XXXX in Florida. The cost was {$1900.00}. They requested the full payment. I put {$1500.00} on my XXXX XXXX and the remaining balance of {$480.00} on Capital One. 
XXXX XXXX said it would take a few weeks. When I did not receive it as promised, In XXXX, I phoned them numerous times to find out about the delay. Each time, they gave me a new date. It arrived in XXXX, and I had it professionally installed. The truck could not be driven because the transmission did not have a forward drive. I phoned them to complain and was told they would fix it, but I needed to pay {$390.00} for the warranty. Also, I needed to send them the transmission core from my truck. When I refused to do this, I was instructed by XXXX XXXX, their Customer Loyalty Specialist, to ship the transmission back to them. I sent an e-mail to her on XX/XX/XXXX stating the reason for the return. She provided the shipping information, and I shipped it back on XX/XX/2020. I have a copy of the XXXX XXXX XXXX Bill of Lading and XXXX  XXXX  confirmed on the phone that it was received in XXXX. 
Because my truck had been out of commission for seven weeks, I had the XXXX transmission shop in XXXX XXXX rebuild my transmission. I paid them {$3500.00}. 
I contacted both XXXX  and Capital One and explained that I had returned the defective transmission to XXXX  XXXX. They credited my account. However after sixty days, Capital One put the charge {$480.00} back on my bill. They told me to contact XXXX  XXXX which I did numerous times. They said the problem is with Capital One. I have been volleyed back and forth without results. I contacted both of them on XX/XX/XXXX. Now XXXX XXXX claims they did not receive it back, and Capital One refuses to credit my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
This information was deleted off of my credit I was mailed a copy and Midland Credit who was the original debt collector and now I have another debit collector trying to get payment to pay off the debit. I spoke with XXXX XXXX XXXX  advising I am unable to pay the full amount {$1800.00}. They sent a summons before I knew XXXX and XXXX had the debit. The original lender did not contact me for payment and it was obviously sold to another debit collector. Now that I had it disputed here I am with a summons that I believe should not have been sent. I reached out but they could not help me settle this payment. I advised them due to covid-19 and unemployment I could settle for {$200.00} they declined the offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: OR

Complaint narrative:
I got phone call from Caliber Home Loans on XX/XX/XXXX. 
They told me that I was due for pay for XX/XX/XXXX, and my previous loaner XXXX XXXX XXXX transfer service to Caliber on XX/XX/XXXX. 
Actually I had already payed until XXXXBut Caliber said they didn't receive it, and asked me to called XXXX XXXX XXXX to make sure the transfer. 
When I called XXXX XXXX XXXX, and they told me the service had already transfer .But XXXX XXXX XXXX XXXXonfirmed I payed it already and payment due date is XXXX requested document for payment history, statements and bank transfer history, and upload to Caliber website, but Caliber 's manager doesn't want to help me and still told me They will not use my documents to change anything.And Caliber asked to call XXXX XXXX XXXX  to FAX them.But now they still said it's not their problem and push to XXXX XXXX XXXX.The same thing when I called XXXX XXXX XXXX  they said they transfer everything very detail it's Caliber 's problem.They even don't want to call each other to verify.I do whatever I can do now.No one can help me .They just push.I need help because two accounts with two months payment it's around XXXX XXXX missing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 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: FL

Complaint narrative:
XX/XX/XXXX I noticed accounts on my credit report that didnt belong to me. I immediately sent in a dispute to XXXX, Transition, and XXXX. 


I didnt hear back so I sent a demand to comply with investigation on XX/XX/XXXX Today is XX/XX/XXXX and I still havent heard from these companies.

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 2020-06-24 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: Specialized Loan Servicing Holdings LLC
State: OR

Complaint narrative:
My wife and I have been trying to get a hold of Specialized Loan Servicing from XX/XX/2020 up to the current date XX/XX/2020 after calling and being on the phone for more than 40 minutes on with an automatic service being transferred from one place to another without being able to speak with an actual person, leaving a call back number, emails. also having a third party to contact them on XX/XX/2020 throughout the entire day no response. I have exhausted all forms in order to get a hold of them with my concerns on my mortgage I have also filed a complaint with the BBB on XX/XX/2020 for this matter in hopes of some type of resolution but I have not yet gotten a callback. It has been a nightmare dealing with this mortgage 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 2020-06-24 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: FL

Complaint narrative:
XX/XX/XXXX I noticed accounts on my credit report that didnt belong to me. I immediately sent in a dispute to Equifax, XXXX, and XXXX. 


I didnt hear back so I sent a demand to comply with investigation on XX/XX/XXXX Today is XX/XX/XXXX and I still havent heard from these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 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: FL

Complaint narrative:
XX/XX/XXXX I noticed accounts on my credit report that didnt belong to me. I immediately sent in a dispute to XXXX XXXX and Experian.  


I didnt hear back so I sent a demand to comply with investigation on XX/XX/XXXX Today is XX/XX/XXXX and I still havent heard from these companies.

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 2020-06-24 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: LA

Complaint narrative:
XX/XX/2020 I noticed accounts on my credit report that didnt belong to me. I immediately sent in a dispute to XXXX, Transition, and XXXX. 


I didnt hear back so I sent a demand to comply with investigation on XX/XX/2020 Today is XX/XX/2020 and I still havent heard from these companies.

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 2020-06-24 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2900.00} -This is not my account.

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 2020-06-24 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Vericred Solutions LLC
State: TX

Complaint narrative:
I didnt receive anything stating That a investigation was proved to show i owe a debt just got an alert that a company called vericred LLC added something to my report in an attempt to Collect a debt I never received anything in writing from this company and all of a sudden I get an alert that something was being added to my transunion report theres no accuracy verified to me That I owe a debt

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MT

Complaint narrative:
In XX/XX/2019, XXXX XXXX XXXX through XXXX XXXX XXXX XXXX XXXX sent a summons for court on behalf of XXXX XXXX XXXX for the amount of XXXX. In XXXX we had pre trial conference in which I stated this was not my account. Documentation was sent back and forth and in XX/XX/2019 we were set for trial. The judge ordered the case to be dismissed in XXXX because LVNV Funding did not want to proceed due to lack of evidence. I requested this account be removed from my credit report which is was but then put back on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-24 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: LA

Complaint narrative:
XX/XX/2020 I noticed accounts on my credit report that didnt belong to me. I immediately sent in a dispute to Equifax, XXXX, and XXXX. 


I didnt hear back so I sent a demand to comply with investigation on XX/XX/2020 Today is XX/XX/2020 and I still havent heard from these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 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: LA

Complaint narrative:
XX/XX/2020 I noticed accounts on my credit report that didnt belong to me. I immediately sent in a dispute to XXXX XXXX and Experian.  


I didnt hear back so I sent a demand to comply with investigation on XX/XX/2020 Today is XX/XX/2020 and I still havent heard from these companies.

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 2020-06-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
Unable to link PNC account with XXXX account when it was available prior with no problems

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2020, after more than a month of attempting to file an online dispute ( their site has been having technical difficulties for more than a month now ) I contacted Experian requesting a dispute of the bankruptcy on my credit file. They are the only one of the three credit companies that have been able to validate the information. It has been removed from the other two. In the dispute I requested to be provided all evidence demonstrating that the company provided proof that the data I have disputed was valid. I requested this be provided to me, from the company, in writing. They provided the dispute electronically and failed to provide any details. They stated, " The company that reported the information has certified to Experian that the information is accurate. '' At no time have they provided any details on how they validated the disputed information. They fail to provide any details and direct me to contact the company. It is not my place to contact the organization about information on my credit report, it is theirs. They are the ones reporting the data and I disputed it with them. If I need to contact the organization reporting the data, I need Experian to provide the data I requested. Namely the name and direct contact information of the individual ( s ) contacted at the organization, as well as their role in the organization, so that I may contact them directly. Of the three credit reporting agencies Experian is the only one that A : claims to have been able to validate the information ( the other agencies have removed the reported data ) and B : fails to provide the details as requested to demonstrate they in fact validated the data. I want to know who, what, when, where, and how the data was validated so that I may recreate the results. I request more than just a statement saying they contacted the company and validated the information. I want them to prove it. I refuse to " take their word for it ''. How was they contacted, verbally or electronically? Who did they speak with? What evidence did they provide to validate the information was accurate? When did they provide it and where did they provide it ( electronically, verbally, in writing ). I have requested this information, in several disputes on several occasions, they always just provide the same statement and fail to provide anything else. The bankruptcy on my credit needs to be removed or they need to provided details documentation to me on how this was validated, with whom, when, and by what means. I need the who, what, when, where, and how details to attempt to follow up on my own.

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