vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-24 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 — Their investigation did not fix an error on your report
Company: ENOVA INTERNATIONAL, INC.
State: GA

Complaint narrative:
I did not know that through using a consumer counseling agency it appears that nobody reports my payments to credit bureaus. The consumer counseling agency ( XXXX XXXX ) stated that they don't report to credit bureaus. I contacted the company ( Net Credit ) whose been receiving my payments and they haven't reported to the credit bureaus either. ( They asked me to send them a copy of my credit report. I didn't see a reason for this because they know when they have received money on my account. ) I contacted XXXX to dispute the fact that the credit report record indicates no payments under this company. The dispute was resolved according to XXXX and they lowered my score 10 points. I sent them a letter asking for an explanation about why my score was lowered to be sent to me in writing. To date, I have not been given a written response. However, my score was reduced another 2 points by XXXX for a total of 12 points. I thought there were no consequences for making disputes on a credit report. I sent a letter to XXXX  about this same situation. I don't think that it is fair to make payments and nobody reports it. I don't know what type of investigation credit bureaus do without providing detailed explanations to consumers. I will attach documents for details.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am resubmitting this dispute. I have contacted this bureau multiple times requesting an investigation to verify the debt and ask who opened and signed for these accounts. I am verifying that this is me who is disputing these fraudulent items. I need this removed asap. I also requested a video or copy of the contract between me and this 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 2021-05-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Franklin Collection Service, Inc.
State: TX

Complaint narrative:
ATT account was paid in full in 2019 to original creditor. Surprisingly it was sold as an unpaid debt to XXXX XXXX agency.. This was paid in full by debit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting ACT Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 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 ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. XXXX XXXX XXXX., No. 95-6445 ( C.D.Cal. Nov. 14 1995 ), you will be liable for your willful non-compliance. Please remove all Fraudulent accounts as I have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Block, Inc.
State: NV

Complaint narrative:
I continue to get overcharged for services not provided to me by XXXX. they do not allow you to call them..they do NOT respond to emails and they continue to over charge each transaction by at least 3 % I have reached out multiple times abut have NEVER heard back from them. 

they deny you access to call them and it is beyond frustrating it is as they are stealing your money in the bright day light and you cant do any thing about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: NC

Complaint narrative:
Starting in XXXX of This year, I began contacting SLS regarding my PMI payment. According to my loan the PMI was due to come off my account as of XXXX. However, I have called them twice to put in the request and I also sent a certified letter. I was told that I would receive a response within 7 to 10 days, yet I have not heard anything in almost a month. I submitted proof that my home value has increased. I sent a copy of a home appraisal conducted by XXXX XXXX. My home is now valued at XXXX. I am currently on chapter XXXX, who have been sending them payments every month. 

I also want to complain that the way they process and apply payments is deceptive. Although, I am on Chapter XXXX and I see monthly payments to SLS, they continually show an increase in the amount in arrears. But never show all the payments being processed as payments. Some times I see them applied as un-applied credit. Other times I see them apply a payment, but then take it off.

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 2021-05-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC
State: CA

Complaint narrative:
XXXX XXXX and XXXX XXXX dont agree with the 30 days late payments then a repo on XX/XX/XXXX I believe it was 3 late payments in XXXX then repo in XXXX but they let me get the car back but still reporting late payments and repo when they let me receive the car back and still XXXX g payments and have the car till this day repo harming my credit and late payments that I thought wasnt suppose to report due to corona virus remove all late payments and repo

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 2021-05-24 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery Associates, LLC is in violation of FCRA and FDCPA regulations by a reporting a collection account ( xxxxxxxxxxxxxxxx 8117 ) in the Other section of my XXXX  credit report. FCRA law mandates that all collections must be reported and designated to the Collections area of credit reports.

Portfolio Recovery Associates, LLCs wanton disregard for the law has been ongoing, and the attached documents of my most recent XXXX report ( XX/XX/2021 ), prove that Portfolio Recovery Associates continues to incorrectly report this collection account.

The first document shows that Portfolio Recovery Associates, LLC is reporting in the Other section of my XXXX  credit report. The second document shows no collections under the Collections area of my XXXX credit report, which is where this collection is lawfully mandated to be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 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: CURO Intermediate Holdings
State: TN

Complaint narrative:
AD Astra Recovery Service # XXXX is reporting to the credit bureau, XXXX  inaccurate information under my name. Reporting resumed even after I received no response to a letter I sent them XX/XX/2021, asking them to verify the validity of the debt. AD Astra Recovery Service is reporting an inaccurate collection account in the amount of XXXX as an open account on my credit report to XXXX. I asked them in my letter to delete the inaccurate collection account from my credit report in which they did not. This violates my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I do not owe this debt, Ive never received any notices regarding it. It has impacted my credit and caused damage in my life and has prevented me from becoming a homeowner. I attempted to send 3 letters but they all were returned to sender.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 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: IL

Complaint narrative:
On XX/XX/2021 I checked my credit report and there were a lot of fraudulent activities. I disputed the fraud accounts, and inquires on my credit report with Experian. I uploaded several documents as requested to provide proof the account was fraudulent and did not belongs to me. I even tried reaching out the company to provide proof it was not me who opened the fraud account. Experian is not up holding consumer rights and needs to be investigated for XXXX discrimination. The FCRA read section 609 Should not allow any incorrect, erroneous, inaccurate, or untrue on my credit report. I am very disappointed in the False and deceptive investigation Experian has provided.

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 non-monetary relief
Consumer complaint received 2021-05-24 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: IL

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
In XX/XX/XXXX I unfortunately had been laid off from my job. I knew I had a balance I had to pay PayPal Credit roughly about {$850.00}. I contacted PayPal Credit via phone and spoke to three representatives about my situation and asked if they had any financial relief programs. The representatives stated they did not have any programs, but they could help me so my account would not go delinquent. The representatives stated that if I made post dated checks every month that I would not hit the 30-day late marker and the balance would be carried over until the {$800.00} was paid. 

I was told I needed to set this up with my checking account, and I gave the representatives my Debit card number in XX/XX/XXXX to start a first payment in XX/XX/XXXX. The following month I gave a new representative my checking account information for payments starting in XX/XX/XXXX. 

As XXXX went on and I continued to make the post-dated check payments, I thought everything was in order. I checked my credit score at the end of XX/XX/XXXX and I was shocked to find out that my score had plummeted 90+ points. I realized it was from PayPal Credit and I immediately placed a call to find out what was going on. 

I spent hours on the phone with multiple representatives and come to find out that PayPal credit had not set up my monthly payments correctly. The last representative told me that the automatic monthly checks were over the 30-day credit reporting and that is why my account went delinquent with months of a late payments. Also, during my payment arrangements every month, the representative notified me that PayPal was now using Synchrony Back as their creditor. The representative said they would submit for correction, set me up on a correct relief program of XXXX XXXX  monthly payment, and I should see an update within 30 days of our call.

With a few weeks I noticed that my score had gone back up. Then, not even 2 weeks later my score dropped again, from PayPal Credit. I called and spent more hours on the phone talking to representatives. They told me I had an outstanding balance of {$200.00} and that is why my score went down because it was still revolving as past due. I told the representative that when I called last time, I was told everything was paid up to date. After spending an hour on the phone, they said there was nothing they could do to resolve the issue.

I have spent hours on the phone with PayPal representatives with no correction or an apology of the misinformation that has been told to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 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: PA

Complaint narrative:
The bureaus didn't respond to my request about the changes on my 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 2021-05-24 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: PA

Complaint narrative:
The bureaus didn't respond to my request about the changes on my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Securus J Holdings, LLC
State: GA

Complaint narrative:
i opened a prepaid debit card account with XXXX after my release from XXXX  In GA, as XXXX  is associated with J-Pay the administrator of XXXX  trust accounts for the GA dept. of corrections. Initially the debit card was associated XXXX account no. XXXX. At some point the associated account became XXXX account no. XXXX without any notice. There must have been a reason for the account change, my guess is some irregularities took place that the bank did not want me to discover.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The CBE Group, Inc.
State: GA

Complaint narrative:
I have never heard of this company, i started getting scary phone calls about something i knew nothing about, I can not recall signing a contract with this company and they are ruining my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
Over then last several weeks I have spoken to several people including the president office that I no longer wish to have this establishment service the tax portion, homeowners insurance portion or flood insurance portion of my escrow account pursuit to the XXXX XXXX guidelines. I have repeatedly stated I do not wish to close the escrow account as I can not legally do so due to the property mortgage insurance must be paid into one. The escrow requirements are clearly stated an 4201.2 a, b, and c. Section 8201.1 ( b ) ( i ) further covers that the mentioned less then 80 % and and less then 2 years that the bank has used on denying my desire is not valid and therefore not legal. It has further been stated that this bank wishes to charge me and additional % .025 to not administer a service that I do not required by any laws I can locate. It is my belief this is extortion. I have a fixed interest rate and a contract not requiring this service. I want to pay the P.M.I. that can not exceed % .05 gross LTV although it appears is over. P.M.I. is a escrow service that as not only a escrow requirement but none I welcome!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I contacted the credit reporting agencies on XX/XX/21 about the Fraudulent accounts that are appearing on my credit report. under 15 USC 1681C-2, these fraudulent accounts should've been removed after 4 days, but yet these credit reporting agencies did not remove the items. they instead chose to broke the FDCPA/FCR laws. As a consumer and the one with ALL THE POWER, these accounts on this letter must be deleted immediately, or I will seek monetary damages in small claims court in my city and state. Also we have already involved and sent this letter to the Consumer Financial Protection bureau, attorney generals office, XXXX XXXX XXXX, and federal trade commission. Erroneous RESULT OF The Equifax XXXX Data Breach Direct Violation 15 USC 1681 Reporting incorrectly. PAYMENT HISTORY DATES ACCOUNT NUMBERS BALANCE INCORRECT AMOUNTS PAYMENT STATUS Inaccurate across all 3 Bureaus XXXX XXXX and Equifax. also I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block. SO If I received good and services, then please have a senior executive certify under the penalty of perjury that I in fact received good and services as a result of this transaction in writing under 15 USC 1681B ( a ) ( 2 ). please see attached invoice and pay it immediately upon receipt of this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: DISCOVER BANK
State: CA

Complaint narrative:
I opened an account with Discover Secured credit  card for {$300.00}. I was told that I can apply to increase my credit limit by depositing more money to the secured saving accounts. 
My XXXX was run on XXXX XXXX. On XX/XX/2021 I withdrawal of {$1700.00} What is made from Discover Bank. This letter that I received in the mail was drafted on XX/XX/2021. The letter says that discover withdrawn their decision of increase of credit. I would like to dispute this decision because I'm a fraud victim Plus 50 % of the negative information that is reporting on my XXXX  credit report is incorrect. The FICO score of XXXX is also incorrect. My concern is if all the evidence in fact were in front of you from XXXX XXXX Why would this cover withdraw the money from my account on the XXXX and then write me a letter on the XXXX of the month saying that I'm not approved. Just to clarify I am working with an attorney on the negative items on my credit report to be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
I was the victim of predatory lending scam in 2005. As a result of the high mortgage payments, I fell behind on the mortgage. I was eventually able to refinance the mortgage about ten years ago. I was informed I have no equity in my home, although I have been paying the mortgage for 16 years. I do not understand how this is possible.

Company response to consumer: Closed with explanation