vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-19 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: National Credit Systems,Inc.
State: TX

Complaint narrative:
I am deciding to reach out to CFPB because I have made my payments owed to National Credit Systems in balance totaling {$3000.00}. This company has a record of collecting money from their customers and not reporting that it was paid for to credit agencies. In this case, they have still not reported a closed account to XXXX XXXX XXXX for me. This has not just happened to me but many people also seeking for account details to be updated properly ; some seeking lawsuits against National Credit Systems, I would like to report this agency for fraudulently advising me to pay this debt in full but with no intentions of actually removing it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
On XX/XX/XXXX around XXXX pm I pulled up to a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX pa. The machine gave me a receipt and never gave me my card back. I discarded the receipt because I thought it would post to my account. 
Two days later my money never posted to my account.

Over the phone I was told be a specialist that she can see my money in visa and its going to take a little longer to get to me, she said call back the next day and they will credit my account ... needless to say this didnt happen. 
I went to XXXX XXXX XXXX XXXX they told me to call my bank navy federal credit union. I called my bank they said they would put an investigation in but never got back. When I called they told me I would have to call XXXX XXXX XXXX XXXX to ask them if they had an overage. Whats the investigation for if I HAVE TO HELP INVESTIGATE!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: NORTHERN HILLS COLLECTIONS INC.
State: TN

Complaint narrative:
I have had Northern Hills collection call me for the past 10 years. They have been asked numerous times to stop but to no avail. They have informed family members about the debt and have also asked them to pay it. If I dont answer the phone calls they call family immediately. It is a bully tactic and it has brought me to use this as a means to a end.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I keep receiving strange court like documents that Im being sued for over {$9000.00} over regular mail. The only phone number provided ends up being automated and through the automation they want me to pay but I have no idea who they are. Now I look at my credit report and Im placed in derogatory standing with a company thats isnt familiar to me and theyve placed it on my credit report. The papers I recieved say they filed a lawsuit against me at the local courthouse and that they will seize and garnish wages the company is midland credit. Which isnt familiar to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AmeriHome Mortgage Company, LLC
State: PA

Complaint narrative:
On XX/XX/21 I needed to get a payoff with escrow netted for a new mortgage company to refinance my existing loan with Amerihome. The first rep I spoke with faxed the payoff and received it in minutes, but it was not with escrow netted. I called back and the second rep was supposed to connect me with a supervisor, but instead sent me back through the automated system. So while continuing through the automated system to get to another rep ( mind you, there is entirely too many options that will get you turned around and confused if you dont listen carefully. To get to an option of a rep alone takes 5mins! ), I reach my 3rd rep of the day and ask to speak to a supervisor. He advises me he needs to put in for a supervisor call back ( Ive never heard of this ) and I say okay. He asks what the issue is and I tell him I needed a payoff with the escrow netted. He says oh I can help you with this no problem. I asked him to explain it to me so I knew that he understood and he did. He advised me it might take 2 hrs, but usually its a lot quicker. I get off the phone in hopes it gets faxed. Time passes and the place is almost closed and I needed this document that day, so I called in again. Now my 4th rep and she goes over everything that was done, and advises me the task was marked for a completion date of XX/XX/21! She knew I needed it urgently so she said she would expedite it and send it to her supervisor. I thought this would make my request get taken care of first thing the next day, no. I called in around XXXX the next day and asked my 5th rep for a supervisor call back. She said she would have to put in a work order. I asked how long it would take for them to call back and she asked if she could place me on hold ... that hold turned into me being hung up on. Needless to say Im beyond frustrated with the customer service or lack of I should say. They are so willing to help if you are staying with their company but when you are leaving them they do everything possible to not allow it! I even sent an email requesting a stat call back and received nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have reached out via phone and letter to dispute inaccurate info on my credit report. I have yet to get any resolution and have yet to see any investigation. Agents claim everything is backed up due to covid but this unacceptable. They are reporting fraudulent information that has been detrimental to my credit report and has yet to be validated. I am attaching letters that I sent XX/XX/XXXX and still have yet to get any resolution. This is both unethical and unfair practices. I demand that all unverifiable accounts be removed immediately. per the FDCPA section 807 they are in violation.

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 2021-03-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am deciding to reach out to CFPB because I have made my payments owed to XXXX XXXX XXXX in balance totaling {$3000.00}. This company has a record of collecting money from their customers and not reporting that it was paid for to credit agencies. In this case, they have still not reported a closed account to Transunion or XXXX for me. This has not just happened to me but many people also seeking for account details to be updated properly ; some seeking lawsuits against XXXX XXXX XXXX, I would like to report this agency for fraudulently advising me to pay this debt in full but with no intentions of actually removing it from 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 2021-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: NE

Complaint narrative:
Portfolio recovery associates have repeatedly attempted to contact me regarding an account that has already been settled. Upon further investigation, it turns out Portfolio Recovery services never owned the XXXX account in question and has no record as to why they are attempting to collect it now. I have told them on multiple occasions not to contact me by phone and if they continue to try and pursue this matter they must communicate with me only by mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have called the CC ( Capital One XXXX ) company 3 times to help me reduce the payments and the APR since I was not working during COVID. They did offer me no payments without fees for 2 months but DID NOT advise me that the interest would still acrue.

SO I opted to go one month without a payment.

I have NEVER missed a payment or been late as long as I have owned this card. 

On XX/XX/2021 I requested a lower APR as it was increased without my knowledge and now my minimum payment is more than previous. 
I was advised by the Representative ( XXXX XXXX that she would not lower my APR and the bank was not lowering anyone 's APR during this time. 

I am desperately making a good faith attempt to payoff this card in a lump sum payment and the company will not hear of it. I do not want to file bankruptcy for one credit card. 

Lowering an APR does not seem unreasonable. MOst of this card is interest acrued

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 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: MO

Complaint narrative:
I still have not seen results to an investigation into the items I believe to be inaccurate on my report. While I understand that there is a pandemic which can cause delays, I have not received anything from any of the bureaus since my first dispute on XX/XX/XXXX ; followed by 2 more disputes on XX/XX/XXXX and XX/XX/XXXX. This is not a delay : this is negligence on the part of the bureaus, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by ANYONE to resolve anything. Data has also already been released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year ; it's a shame for people like me who are trying to better ourselves! The bureaus MUST be held accountable and to the standards clearly outlined in the FCRA.

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 2021-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Collection Systems, Inc.
State: CO

Complaint narrative:
XXXX XXXX XXXX a noticed was received in the mail from a collection agency to my father who has XXXX  away. The notice indicated it was issued by the XXXX XXXX XXXX XXXX. I owned a vehicle with my father and did attend the XXXX  college of XXXX. I contacted the XXXX Police on XXXX XXXX at approximately XXXX and was advised this would be the parking section. At approximately XXXX I was able to talk to a live person, I indicated that I have never received notice of a parking ticket and this was the first time a notice was seen from a collection agency. I was advised they are doing an audit and trying to reclaim unpaid tickets. I was then told that the ticket was left on my window and that they have a photo of this ticket left on XX/XX/XXXX. I advised that the ticket was never received or it would have been paid then if it was known to me, the women stated that people don't go around removing tickets. Again I indicated that I did not get the notice or a ticket. At this point I asked what the original amount of the ticket was and was told it was for XXXX, I indicated I would pay that amount to settle this debt. I was told to pay to collection company but I would still owe the full XXXX. I than asked to speak to the supervisor and was placed on permanent hold. I hung up to call directly at XXXX and was directed to XXXX and asked to speak to the Manager of the parking department. I was transferred to XXXX the Parking Business Manager. I advised her that the ticket was never received and that I would like to settle this debt with the original amount and indicated that the ticket was never received or it would have been paid that day. I also indicated that I would be happy to pay the XXXX today but was told that it would still be in collections and that the car was in my fathers and my name and I will need to pay the debt because they had also mailed out notification to the address verified. I again indicated that the only notice received was a collection notice on XX/XX/XXXX by US mail and this in unfair practice when I am trying to take care of this matter and pay the XXXX. I had indicated that again I did not get a ticket and I would like to take care of this now. Given that we are currently under a pandemic and some people just can't pay or afford to pay bills at this time this was not ethical. I was then told it was going to collections and she refused to take the payment of XXXX offered.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 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: TN

Complaint narrative:
On XX/XX/2020, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored for my disputes and concerns. 
Section 611 ( A ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: LA

Complaint narrative:
I tried to enabled my Base coin account although I disabled it by mistake, But the only thing they let me do is to sign in, but for some reason it keeps kicking me out because it will no longer excepts my ID for verification purposes, So i am back from the beginning to get back into my Base coin account, I did this over and over again and tried through my app on my phone also, They tell me there is an issue and that my founds are safe, do not attempt to try app again on my cell phone, I have yet to retrieve my account from these people with my funds still in there! ... And have not heard back from them from the last response that i wrote to them through my email!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am deciding to reach out to CFPB because I have made my payments owed to XXXX XXXX XXXX in balance totaling {$3000.00}. This company has a record of collecting money from their customers and not reporting that it was paid for to credit agencies. In this case, they have still not reported a closed account to XXXX or Experian for me. This has not just happened to me but many people also seeking for account details to be updated properly ; some seeking lawsuits against XXXX XXXX XXXX, I would like to report this agency for fraudulently advising me to pay this debt in full but with no intentions of actually removing it from 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 2021-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Trinity Enterprises Partners, LLC
State: MD

Complaint narrative:
Trinity Enterprises and their associates, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX all continue to lie and mislead instead of return funds that are rightfully owed to me as the consumer. They take credit for removing negative items on my credit reports when I am responsible for those actions by paying off the balance and then negotiating with the creditor and credit bureaus for removal. Trinity Enterprises even goes as far as to mock and threaten me in their email chain for fear of being exposed. I will post the conversation below. 

" He signed the application that says we can defend ourselves. We can show America his emails and outline of deletions. Often in this case many in America we read our responses and his file in general and allow social media to decide. This will bring us clients once we show how he hurt himself and hindered us in this process and adding new negatives.. 

We can also outline the details on social media I have all the logs.. 

Legal please look for the following emails regarding this client ''

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-19 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: MO

Complaint narrative:
I still have not seen results to an investigation into the items I believe to be inaccurate on my report. While I understand that there is a pandemic which can cause delays, I have not received anything from any of the bureaus since my first dispute on XX/XX/XXXX ; followed by 2 more disputes on XX/XX/XXXX and XX/XX/XXXX. This is not a delay : this is negligence on the part of the bureaus, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by ANYONE to resolve anything. Data has also already been released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year ; it's a shame for people like me who are trying to better ourselves! The bureaus MUST be held accountable and to the standards clearly outlined in the FCRA.

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 2021-03-19 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: MO

Complaint narrative:
I still have not seen results to an investigation into the items I believe to be inaccurate on my report. While I understand that there is a pandemic which can cause delays, I have not received anything from any of the bureaus since my first dispute on XX/XX/XXXX ; followed by 2 more disputes on XX/XX/XXXX and XX/XX/XXXX. This is not a delay : this is negligence on the part of the bureaus, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by ANYONE to resolve anything. Data has also already been released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year ; it's a shame for people like me who are trying to better ourselves! The bureaus MUST be held accountable and to the standards clearly outlined in the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Pendrick Capital Partners
State: OK

Complaint narrative:
Ive told them to stop calling, its illegal for them to have my underage sons medical information and they wont stop. I do not owe the debt, it shouldve been covered under XXXX. 

They have also tried to text me and get me to confirm my identity in sneaky ways such a saying they were someone trying to get my address and name for a wedding invitation. I believe this company has went too far and should have to remove my debt. That is an illegal practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: KEYCORP
State: IL

Complaint narrative:
Key2Benefits has a card to account transfer option. I have used this successfully transferring money to my personal checking account for many weeks in a row. The last to 2 weeks the ACH transfer has been rejected and the money returned to my debit card. I have spoke with Key2Benefit agents on 4 occasions and nobody can fix this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I recently was alerted to stated debt by XXXX XXXX XXXX by XXXX and XXXX posted to my reports dated XX/XX/2020 when my identity theft case is complete and readily accessible : XXXX. 

Public and widely known and accessible fact that isnt being upheld by the debt collection firm.

Company response to consumer: Closed with explanation