vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
I have an unverified account from LVNV FUNDING. I had previously disputed this account. I have never done business with LVNV FUNDING. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that LVNV FUNDING provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether or not you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request LVNV FUNDING Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-13 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX was collecting on two XXXX  XXXX XXXX debts ( account numbers XXXX and XXXX ). These items were paid in XXXX. The last payment prior to charge off with XXXX  XXXX XXXX was prior to XX/XX/XXXX. This puts this debt outside of the FCRA obsolescence time frame and they should NOT BE ON MY FILE. 

XXXX incorrectly put the date of last activity for payment at XX/XX/XXXX ... WHEN THEY RECEIVED THE COLLECTION FROM XXXX. This is incorrect. 

A company should not be able to just manipulate the activity date to maintain accounts on credit file beyond the federal requirement for obsolescence.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
The following are the four fraudulent credit card purchases made to businesses in the XXXX, PA area on the dates as noted : ( 1 ) XX/XX/2019, XXXX XXXX ( {$2500.00} ) ; ( 2 ) XX/XX/2019, XXXX XXXX ( {$2700.00} ) ; ( 3 ) XX/XX/2019, XXXX XXXX XXXX ( {$700.00} ) ; and ( 4 ) XX/XX/2019, XXXX XXXX XXXX ( {$700.00} ). I did not make these purchases, nor did I authorize anyone to make these purchases, which totaled {$6000.00}. Upon receiving my credit card statement on XX/XX/2019, I phoned Citibank, spoked to their rep, XXXX, and informed her of the fraudulent purchases. During the Citibank investigation, the investigator ( XXXX ) said that the two purchases made on XX/XX/2019, were made on my home landline phone and that I would have to provide an official transcript from my phone carrier showing all calls made on that date. When I submitted the requested phone records to Citi on XX/XX/2019 showing no calls were made to that business, I thought the dispute would be decided in my favor. But, without merit, Citibank has notified all three credit reporting agencies that I owe the full amount of {$6000.00}.

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 monetary relief
Consumer complaint received 2020-01-13 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: Conn's, Inc.
State: TX

Complaint narrative:
I had a previous acct with Conns ... with my payment being due the XXXX of each month. I went into the store early XXXX to add to the account. The Salesman said the old account would be paid off and a new acct opened. He told me to not make the XX/XX/XXXX payment as my new payment for the new loan would be due XX/XX/XXXX. I took his word as i have done this before with a prior loan and everything went ok. Within the 2 weeks after i made the new purchase i rec 'd my coupon book showing my new payment and new due date. However, i started receiving emails that my payment for my old acct was delinquent. I immediately called Conns and disputed. My acct was in review to be closed out. Fast forward to today XX/XX/XXXX, Conns has reported me late and my scores have dropped 100 points ... 2 Conns accounts show open on my Credit report which has is double what i owe them and shows any new creditors that i have too much owed. I have repeatedly called Conns to have the old acct closed out. I just looked at my acct ( old ) on their website, and it shows i have 3 payments due, and it appears they might report me 60 days late. This has been very stressful for me as I am cleaning up my credit and have worked hard to pay my accounts on time..I had 100 % good payment reporting and now i have an unfair delinquency showing up onXX/XX/XXXXand XX/XX/XXXXXXXX I have disputed but i am impatient. I want to buy a new vehicle but with my now XXXX XXXX XXXX no one will touch me ... I need the old acct paid off and the delinquency reversed on my credit reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-13 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I traded in XXXX XXXX in XX/XX/XXXX with XXXX XXXX XXXX Bank of America , N.A. has stated in credit report that I am delinquent XX/XX/XXXX and XX/XX/XXXX. I called them this morning ( XX/XX/XXXX ). They stated problem has been closed and paid in full. I want my credit report to state as so.

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 2020-01-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I received courtesy telephone call from Kohl 's Credit in XX/XX/XXXX. The Representative of Kohl 's Credit advised me that I needed to make payment on my credit card. I explained I would and the Representative stated that I needed to pay {$200.00} ; I explained I absolutely did not have that amount to pay at that time. During close of the conversation the Kohl 's Credit Representative wanted to confirm all my account information which I did including my checking info. Again, I never gave the Representative express authorization to take the {$200.00} from my checking especially on the XXXX of the month when I don't get paid until XXXX. On or about XX/XX/XXXX I discovered Kohl 's Credit withdrew {$200.00} from my checking causing detrimental financial hardships by causing overdrafts in the sun of {$180.00} as well as clearing my account to zero ( or in negative status ). This caused me undue hardship as I have an XXXX  child who has needs and I had absolutely no monies due to the unauthorized payment in sum {$200.00}. I was unable to take my child to therapy or his doctors appointments. Kohl 's gave me the impression they would immediately rectify the unauthorized payment but later that same day I called Kohl 's demanding immediate credit I was advised something entirely different stating they had to conduct an investigation. I asked if they were going to pay all the overdraft fees I incurred and was unable to get a clear answer in this regard. 
This is in direct violation of the Federal Fair Credit Act wherein it states a creditor can not withdraw funds from a consumers checking account WITHOUT EXPRESS AUTHORIZATION. 

Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 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: FL

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY 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 non-monetary relief
Consumer complaint received 2020-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
This is a continuous issue with Citibank. On XX/XX/20 I deposited a rental check for {$950.00} {$200.00} were placed on hold til XX/XX/20. OK. A check for {$220.00} was presented on XX/XX/20 by error from the contractor. The {$200.00} previously on hold was released XX/XX/20 the exact date the {$220.00} was ret'd-see attached. There was more than enough monies in the account to pay it. Further Citibank charged my account {$34.00}. NOTE : XXXX my contractors ' bank only charged {$12.00}. Therefore I was penalized {$46.00} plus my reputation in jeoparty. 

Citibank has become robotic, no Consumer service what-so-ever. Long lines & waits each time, ridiculous system on deposits with 2 or more slips to a transaction which has added to the already long lines & delays making each transaction a big deal-TOO COMPLICATED.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: WA

Complaint narrative:
We pay biweekly. The last auto draft they took out was on XX/XX/XXXX. 

We confirmed with our bank ( XXXX ) that the mortgage company never tried to draft after that. 

Called mortgage on XX/XX/XXXX to ask them why this happened. They couldn't answer us and opened a trouble ticket to call us back by XX/XX/XXXX. We paid the outstanding balance online manually. 

XX/XX/XXXX -they did NOT call us back XX/XX/XXXX we called mortgage and spoke with XXXX XXXX He made us pay {$110.00} ( not sure why ) and said this would make us whole again for our biweekly. He said he set it up to pay XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX we called mortgage and asked why payment for XX/XX/XXXX didn't post and they said " it can take awhile '' XX/XX/XXXX called mortgage company and they said they still don't know why the payment won't post and their " HCA dept '' will have to call us because they don't know.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 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:
XXXX was collecting on two XXXX  XXXX XXXX debts ( account numbers XXXX and XXXX ). These items were paid in XXXX. The last payment prior to charge off with XXXX  XXXX XXXX was prior to XX/XX/XXXX. This puts this debt outside of the FCRA obsolescence time frame and they should NOT BE ON MY FILE. 

XXXX incorrectly put the date of last activity for payment at XX/XX/XXXX ... WHEN THEY RECEIVED THE COLLECTION FROM XXXX. This is incorrect. 

A company should not be able to just manipulate the activity date to maintain accounts on credit file beyond the federal requirement for obsolescence.

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 2020-01-13 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: CORELOGIC INC
State: PA

Complaint narrative:
There a bunch of hard inquiries that shouldnt be 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 2020-01-13 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: EQUIFAX, INC.
State: OH

Complaint narrative:
Recently while checking my credit report I discovered that there are several inquiries on my report that were not authorized. This is a request for proof of contact to these companies authorizing them to run a credit report on me. Please provide me with a certified copy of any documents where I authorized the following companies to run a credit report on me : Equifax XXXX XXXX XXXX  XX/XX/2019 Equifax XXXX XXXX XXXX XX/XX/2019 Equifax XXXX XXXX  XX/XX/2019 Equifax XXXX XXXX XXXX XX/XX/2019 Equifax XXXX XXXX  XX/XX/2019 Equifax XXXX XXXX XX/XX/2019 Equifax XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XX/XX/2019 XXXX   XXXX XXXX XXXX XX/XX/2019 XXXX  XXXX XXXX XXXX XXXX XX/XX/2019 XXXX  XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX   XXXX/XXXX XX/XX/2019 Equifax XXXX XX/XX/2019 Equifax XXXX  XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XX/XX/2019 As you know, the Fair Credit Reporting Act requires you to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. Therefore, I am requesting you verify the items I am disputing at a higher standard than a computer generated inquiry, or third party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain an affidavit sworn under penalty of perjury of verification directly from a person at that source.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I have sent number of letters to Target card Services Disputing the account under my name. i asked them to verify the debt by providing me the account opening documents and asked that my credit reporting should be indicating the dispute status from the 30 day period of received mailer. i have only received irrelevant mailers and nothing verifies this is my account according to the fait debt collection practices act including but not limited to section 807-8 and i indicated that the notices that i have send are of same effect as a dispute to the validity of the alleged debt and the a dispute to the validity of their claim purposes of 15 USC 1692 et seq.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 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: FL

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY 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 2020-01-13 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: FL

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANNER CORPORATION
State: WA

Complaint narrative:
This is exploitation of the poor and XXXX with regards to what my bank is doing to me! They deducted a settlement agreement of {$140.00} from my checking account on XX/XX/20 for a debt that was owed to XXXX XXXX XXXX and XXXX XXXX XXXX. The two companies both claimed that they never received the payment. Banner Bank is worse than 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 2020-01-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: OH

Complaint narrative:
Since Last XXXX, we have been in contact with SPS to try to do a new loan modification on our mortgage. They have been very uncooperative on helping us. They did do a modification, however they gave us a very short amount of time to pay our first payment. My wife had some medical problems in XXXX and I had some XXXX XXXX in XXXX. We reach out to SPS and asked about changing the date of our first payment. They did not change the date. 

SPS sent us a repayment plan instead. The repayment plan was for 2 times our normal payment. We were unable to pay this. Since then, they have been unwilling to work with us. 

SPS is also constantly changing our contact person. Every 2 -3 weeks we get a letter with a new relationship manager to talk to. We are constantly try to work out stuff, but we keep changing people to talk to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Upon opening the credit card through Amazon Prime and Chase Bank, they said that no payments were due for 6 months. A late payment then showed up on my credit report before the six months had run out. They refused to contact the credit reporting companies to have it removed. This happened about 1.5 years ago.

Since then, I have only used the card a single time because of the negative experience, for a purchase of {$10.00}. I paid the amount after my first bill. I have now received two subsequent bills for this amount. When I call into the company, it claims I have a XXXX balance. Chase will not confirm my XXXX balance via email. They will not give me the last name of any employee that has confirmed my XXXX balance. I continue to receive bills in the mail. This continues to go around - I get a bill for XXXX, I call in, they confirm I have a XXXX balance, and then I get another bill, this time for XXXX ( with interest ), call in, confirmed XXXX balance. The amount on the paper bill I receive now claims I am 60 day delinquent. But when I speak to them on the phone, they claim I have a XXXX balance. Because of the first issue, my credit score dropped from XXXX to below 700. I am afraid they will screw up my credit again. They won't confirm my XXXX balance via email, but keep sending me bills. 

I am going to scream!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 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: PA

Complaint narrative:
I am a victim of identity theft.

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 2020-01-13 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY 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