vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-21 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: IA

Complaint narrative:
This has not been resolved, XXXX XXXX XXXX should have never allowed your company to purchase this debt because there wasn't any debt owed. How come my proof of payment doesn't match up with the one statement provided. I am requesting full history, transactions, payments, purchases etc on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: ACS Education Services
State: MI

Complaint narrative:
I graduated in 2003, and immediately started repaying my Student Loans. I was paying ACS monthly in the amount of {$280.00} for over a 10 year period. At the end of the 10 year period I attempt to get a Public Service Loan Forgiveness and was denied, although I never missed a payment nor was I ever late on a payment. I was informed at sign up that I was enrolled in the Loan Forgiveness program. I have since had my loan serviced by 2 other companies, currently with XXXX XXXX. I have been trying to investigation where my funds of over {$34000.00} were allocated, as my student loans balance is still {$35000.00} only a few XXXX less than what it was before I started repaying in XXXX. 
I need help with Contacting ACS or Conduent  to track my payments. I am still being denied for Public Service Loan Forgiveness and I have been on the job now for 23 years. 

Please assist with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I received a forbearance/deferral from Mr Cooper. In XXXX I spoke with XXXX my dedicated point of contact who told me the past due payments could be tacked on the back end of the loan at the end of the plan. I have been trying to get in contact with her only to find out today I have a new contact person named XXXX. After I email her she finally contacts me to tell me that I now need to apply for a modification! This is specifically what I told XXXX I didnt want to get into. This bank plays dirty and gives out wrong information only to put you in a no win situation where they will deny your loan mod! They need to apply the payments to the back end of the loan and honor what I was told by XXXX, since I relied on that information! HELP!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
XXXX ended their credit card contract with XXXX XXXX  and entered a new one with Barclays Bank. Barclays sent the new card with instructions to activate it on XX/XX/XXXX. I have been unable to activate the card online, because Barclays can't verify my information. I can't register for a Barclays online account for the same reason.

I've called two different customer service numbers to get help. On XX/XX/XXXX, I was on hold for 46 minutes before I hung up. Today, XX/XX/XXXX, I have been on hold for 1 hour and 30 minutes, and no one has come on the line. Barclays does not have a chat that I can find. I can not email them because they can not verify me. Barclays has an IVR system that does not tell callers how long the wait will be, does not offer a call back system, does not tell callers where we are in their hold queue. 

I contacted XXXX today for help. They are aware of the delays, but they can not give me any other information about this situation.

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 2021-09-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I HAVE UNAUTHORIZED INQUIRIES AND ACCOUNTS I WAS NEVER LATE ON I AM ENCLOSING A LETTER OF EXPLANATION

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 2021-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Correct amount owed should be {$7200.00} with 7 payments remaining. Ive contacted the creditor and credit bureaus on numerous occasions with no help

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 2021-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
Once again Caine & Weiner, you are XXXX me off.You are violating my consumer rights under congress. Im advising you that you cure this with me privately before I pursuit litigation. You stated in my previous cfbp case XXXX that it was a duplicated and it is not. Once again you're giving me false and misleading information and you did not provide me proper validation. I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from you : 1. Validation of the debt ( the actual accounting ) ; 2. Verification of your claim against me ( a sworn affidavit or a hand signed invoice in accordance with The Bills of Exchange Act ( XXXX ) ) ; Uniform Commerical Codes, Federal Fair Credit Reporting Act, and Florida State Statutes for Lawful Purposes. 3.A copy of the contract signed by both parties and therefore binding both parties. 4.Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. 5. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under The Money Laundering Regulations 2007 and what actions s/he has taken in relation to this account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Thaxton Investment Corporation
State: TX

Complaint narrative:
In XX/XX/2021, I received a unsolicited check to my home mailbox in the amount of XXXX Dollars. The check came attached to a letter with Terms and Conditions. I contacted the XXXX XXXX listed on the letter to confirm that the check was real, as it is abnormal to receive a random check in the mail. The XXXX XXXX  Manager, XXXX, confirmed that the check was real and it was an invitation to apply for a loan with Covington Credit. XXXX stated I would not need to pay the full amount of XXXX listed on the letter sent with the check. I informed XXXX I would be paying off the entire balance by the end of the month and she told me that was fine and reiterated if I payed off the loan early, I would not need to pay the entire XXXX. Unfortunately due to an illness, I was unable to make the full payment by the end of XXXX. I called the store and informed XXXX I would need to pay late, to which she agreed. In XX/XX/2021, I made 2 payments, one of XXXX dollars and another of XXXX dollars. On XX/XX/2021, I called the Covington Credit store to ask about paying off the balance. I was told my balance was XXXX dollars. XXXX also encouraged me to continue making XXXX dollar payments so I could " establish time with them and take another loan. '' According to the literature sent to me by Covington Credit, if I followed the 9 month plan of XXXX dollars a month, I would need to pay XXXX dollars, so it is unclear how XXXX had come to this number. On XX/XX/XXXX, I called the store and asked to speak to XXXX, The girl that answered the phone, XXXX, was very evasive and refused to let me speak to her boss. I asked several times, and all she would answer was " regarding '' and then finally said she would not connect the call. I called again and spoke to XXXX, who stated she never told me I could pay less than the XXXX. I asked several times about how she arrived at the XXXX figure for payoff, and she refused to answer my question. She suggested I contact her corporate office and hung up on me. I left a message for her District Manager and have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BMO BANK NATIONAL ASSOCIATION
State: MN

Complaint narrative:
On XX/XX/XXXX, I applied for {$50.00}, XXXX business line of credit designed for XXXX  businesses at BMO Harris Bank located at : XXXX XXXX XXXX XXXX XXXX, MN XXXX. My company ; XXXX XXXX XXXX, has been in business in the State of Minnesota since XXXX. I was told by the branch manager ; XXXX XXXX, that the minimum credit requirement for this line of credit is XXXX, as long as that hold true, and the company is majority owned by XXXX, we should not be worried at all. In addition, I was told that we have to open a business account with a minimum of {$5000.00} and in return, BMO will reward us {$500.00} in the next 90 days so long we maintained that {$5000.00} balance on the business account. In fact, not do I met the minimum credit requirement of XXXX, my personal credit score with XXXX was XXXX at the time of the pull. 
I was in for a rude awaking on XX/XX/XXXX, I was told that my company has been denied due to the fact that the company 's EIN was not listed on my personal Schedule-C personal taxes returns for XXXX & XXXX fillings!! This was a shock to me as I am in the financial/lending industry and we know many single owned entity enterprises use either the owner 's SSN or the company 's EIN on the personal Schedule-C tax fillings. More Importantly, BMO Harris was out compliance for the date of the application ; XX/XX/XXXX and the date disclosure ; XX/XX/XXXX. 
Not only do I believe my company has denied for wrong reason, but also this has cost me 18 points reduction on my personal credit score with XXXX which BMO Harris is refusing to remove credit inquiry.

BMO Harris Bank not only are advertising this Business line of credit for minority, I they're disclosing it wrongly and their practice is deceiving the same people it supposed to help. I hope the regulators should take a look at it. 
Thank you Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Tried several times to dispute several inaccurate and fraudulent accounts from XXXX XXXX XXXX XXXX, reporting to my credit report. These items have been hindering me from moving forward with other financial endeavors I want to pursue. 

These accounts are reporting as a positive account and negative account. This is not correct as I have never applied for an account with 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 2021-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Correct amount owed should be {$7200.00} with 7 payments remaining. Ive contacted the creditor and credit bureaus on numerous occasions with no help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 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: GA

Complaint narrative:
As

a victim of identify theft there are invalid inquiries on my report. US SM BUS ADMIN  XXXX - XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/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 non-monetary relief
Consumer complaint received 2021-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To whom it may concern, I recently pulled my reports and noticed you are reporting the incorrect info for this account XXXX XXXX Account # XXXX. Because accounts that are incorrectly reported by your company and TransUnion, TransUnion XXXX XXXX are different, this means the account has not been properly verified. Please delete this account immediately

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 2021-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
To whom it may concern, I recently pulled my reports and noticed you are reporting the incorrect info for this account XXXX XXXX Account # XXXX. Because accounts that are incorrectly reported by your company and XXXX, XXXX XXXX XXXX are different, this means the account has not been properly verified. Please delete this account immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To whom it may concern, I recently pulled my reports and noticed you are reporting the incorrect info for this account XXXX  XXXX Account # XXXX. Because accounts that are incorrectly reported by your company and XXXX, XXXX & Experian are different, this means the account has not been properly verified. Please delete this account immediately

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 2021-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
To whom it may concern, I recently pulled my reports and noticed you are reporting the incorrect info for this account CAPITAL ONE Account # XXXX. Because accounts that are incorrectly reported by your company and XXXX are different, this means the account has not been properly verified. Please delete this account immediately This account was paid

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Central Portfolio Control Inc.
State: AZ

Complaint narrative:
I just had two collections hit my credit from Central Portfolio Control on XX/XX/XXXX. One for {$300.00} & one for {$2900.00}. I have no idea what these debts are, other than they are medical. I have not received anything in the mail. I have not received any medical service anywhere near this amount, neither have my dependents. I want this removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 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: Checkr, Inc
State: DC

Complaint narrative:
Unable to complete my background check for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I do not understand if I had a balance at the time of charged off of balance of {$1400.00} was due on the account at the time of PRA 's purchase. how do I owe more than 3k

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 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: NM

Complaint narrative:
I have 9 accts that were included in my Chapter XXXX Bankruptcy discharged in XX/XX/2019 that continue to report neg information on my credit report and they are still affecting my ability to get new credit or my current credit! Late payments & neg information is still visible to anyone that pulls my credit when I am applying for new credit. Per bankruptcy laws these accts are to clear all neg info and just report a closed acct included in bankruptcy, but these accts still are! I have disputed these items several times & they still continue to report this neg information. The credit bureaus & the individual companies refuse to correct or remove these neg accts. Pls help me to get these items removed from my credit reports as I have had no luck disputing them myself. I know this is a violation of the Bankruptcy laws & these companies need to be called out on this kind of violation. I can provide proof of this affecting me in a neg way. The bankruptcy will affect me for 7-10 yrs but the law but the accts are to no longer affect my credit. This is a direct violation of this law and now all of these items need to be removed per the law. Pls help enforce this action.

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 2021-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
I have 9 accts that were included in my Chapter XXXX Bankruptcy discharged in XX/XX/2019 that continue to report neg information on my credit report and they are still affecting my ability to get new credit or my current credit! Late payments & neg information is still visible to anyone that pulls my credit when I am applying for new credit. Per bankruptcy laws these accts are to clear all neg info and just report a closed acct included in bankruptcy, but these accts still are! I have disputed these items several times & they still continue to report this neg information. The credit bureaus & the individual companies refuse to correct or remove these neg accts. Pls help me to get these items removed from my credit reports as I have had no luck disputing them myself. I know this is a violation of the Bankruptcy laws & these companies need to be called out on this kind of violation. I can provide proof of this affecting me in a neg way. The bankruptcy will affect me for 7-10 yrs but the law but the accts are to no longer affect my credit. This is a direct violation of this law and now all of these items need to be removed per the law. Pls help enforce this action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
CITIGROUP CONSTANTLY HARASSING ME CALLING ME AT ALL TIMES OF THE DAY. LEAVING VOICE MESSAGES THAT FILL UP MY MESSAGE BOX ULTIMATELY MAKING ME MISS IMPORTANT MESSAGES AND PHONE CALLS. I HAVE ATTACHED THE FOLLOWING SUPPORTING DOCUMENTS.

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 2021-09-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: MO

Complaint narrative:
Sw Credit Systems Inc is currently trying to collect a debt that I do not owe for XXXX XXXX. I do not have a current or previous contract with neither Sw Credit Systems, or XXXX XXXX. There is no information on this account. There is no verification of this debt.

Company response to consumer: Closed with explanation