vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-07 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
On XXXX XXXX, 2020, PORTFOLIO RECOVERY add a derogatory marks on my credit report per XXXX, XXXX  and XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA PORTFOLIO RECOVERY has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 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: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
This is my THIRD compliant with this company!!!! The agent whom is responding does not answer her phone and her voice mail is full. Her response of " Sequium Asset Solutions , LLC is a collection agency representing XXXX in association with a collection claim on a defaulted account XXXX XXXX is listed as the responsible party and all communication from our offices has been regards to account XXXX. Per your complaint, the account has been closed as cease and desist. You will receive no further communication from our office regarding the account. On behalf of Sequium Asset Solutions , LLC I want to apologize for any inconvenience that this may have caused you. '' DOES NOT FIX THE PROBLEM! They are refusing to REMOVE the account from my credit although they have admitted it is not valid, agreed to close it and agreed to cease collection. The problem is the account is appearing on my credit and is hindering me from obtaining a mortgage. REMOVE the account from all three credit bureaus urgently.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Dear CFPB, Synchrony bank is defrauding its customers by embezzling their payments. They closed my account XXXX  months ago but never returned my payment which resulted in a negative balance at account disclosure. Not only they try to steal customer 's rewards points, they also try to outrightly steal customer 's payment/money. Please investigate this shady bank.

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 2020-12-07 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: LA

Complaint narrative:
On XX/XX/2020 I sent documentation regarding unknown and inaccurate accounts I found on my credit report. It's over 30 days now but I haven't received any response. I was a victim of an Equifax Data Breach. I demand to Deleted those accounts or I will file litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CONTRACT CALLERS INC
State: NJ

Complaint narrative:
I received a knock on my door, stating they were from XXXX last month, I informed them I was not interested, then I receive three letters in the mail within the last thirty days stating it is from a debt collector for XXXX. It is a fraudulent debt collector for XXXX. I called XXXX and informed them of the impostor knocking on my door and again today, after receiving this fraudulent letter. I always have a credit in my account.. 

The headline : CCI, Contract Callers Inc Their account number XXXX Their stating the creditor is XXXX Amount due : {$40.00} Signature, XXXX XXXX manager Phone number, XXXX XXXX informed me they are aware of the fraudulent debt collectors Here are the options of paying the fraudulent charge Download Iconnect mobile app through XXXX XXXX  or XXXX  store Call toll free, XXXX Mail to XXXX XXXX XXXX  XXXX XXXX Georgia XXXX or go online XXXX Thank you for your time and consideration into this matter

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 2020-12-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SECURITY FINANCE CORP
State: GA

Complaint narrative:
Professional Financing. we have a loan from them for {$6000.00}. We are not even behind on payments but they call mine and my husband phone 3 times a day to get payment. The payment is only {$250.00}. We have never missed a month and they will call from multi different numbers multi times a day.

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 2020-12-07 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: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
On XXXX XXXX, 2020, MIDLAND CREDIT MANAGEMEN add a derogatory marks on my credit reports per XXXX, XXXX  and XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA MIDLAND CREDIT MANAGEMEN has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-07 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: NV

Complaint narrative:
On XXXX I have sent letters to the three main credit bureaus XXXX, Equifax  and XXXX. I have yet to provided proof of this negative items on my credit report. These issues has greatly cause me stress and XXXX. As a United States Veteran I should not have to go through a great or deal to have this falsely information reporting my credit causing me a great deal of suffering. I will be seeking litigation these items are greatly causing me harm and discomfort. They should be deleted or updated immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 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: NV

Complaint narrative:
On XXXX I have sent letters to the three main credit bureaus XXXX, XXXX  and Experian. I have yet to provided proof of this negative items on my credit report. These issues has greatly cause me stress and anxiety. As a United States Veteran I should not have to go through a great or deal to have this falsely information reporting my credit causing me a great deal of suffering. I will be seeking litigation these items are greatly causing me harm and discomfort. They should be deleted or updated 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 2020-12-07 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: NY

Complaint narrative:
I would like to inform you that on XX/XX/2020 I sent a letter stating that I found inaccurate items on my credit report. I feel I have been patient with the investigation process but it has been over 47 days and I have not received a response. Unfortunately I feel as if my disputes have been ignored and that I have been taken advantage of. According to Section 611 ( a ), a failure to investigate these items within 30 days gives a reason to immediately remove the inaccuracies from my report. Again I would like you to know that it has been over 47 days ; the items within the dispute need to be deleted in an expedient manner please. I am requesting these items be deleted immediately or I will implement litigation due to the stress and hardship you have caused me. I was affected by the XX/XX/XXXX data breach and this may be the result of this nefarious activity on my reports.

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 2020-12-07 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: Westlake Services, LLC
State: CA

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020, XXXXWESTLAKE FINANC add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2020-12-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NCB Management Services Inc.
State: CA

Complaint narrative:
I am submitting this complaint because I am being extremely affected by Credit NCB MANAGEMENT SERVICE. They are being completely unfair and I dont know how to get ahold on them but through this portal.

I want to express that I have suffered a big impact in my credit score and I have lived one of the worst periods of my life with all this situation.

This company has been reporting wrong information, re-aging the account, they have failed to mark account as disputed, they have also reported multiple billing errors by charter Internet ( original creditor ) and unfair business practices. 

The account information is the following : NCB MANAGEMENT SERVICES INC . 
Opened date : XXXX XXXX, 2020. 
Balance : {$5100.00}. 
Original Creditor Name : XXXX XXXX XXXX XXXX CALIFORNIA. 


My demand is based on many damages and all the violations that they have committed : 1. Violation of XXXX. 
2. Violations of California XXXXXXXX XXXX 
3. Failure to report first delinquency date.

4. Excessive calls.

5. Violation of California Consumer Protection Act.

6. Failure to validate account and produce itemization and debt instrument.

7. Violations of CCRA.

8. Deceptive business practices.

9. Negligence.

10. Charging unconscionable interest of 146 % as set for by California Supreme Court ruling of XXXX XXXX XXXX  vs XXXX XXXX. Your company is not registered in the business search for California, nor for Pennsylvania. 



I WANT THIS ITEM REMOVED FROM MY CREDIT REPORT ASAP. 

Please see the attached documentation to this company. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Dear Sirs : I am having an ongoing dispute with Bank of America over unpaid school taxes from the escrow account for my mortgage ( Account # XXXX ). I have tried to resolve this with the bank on numerous calls with customer service. I have been put on hold for long periods of time and even been disconnected while hanging on for the representative to return to the call. 
On XX/XX/XXXX I received a notice from my local tax collector that my school taxes for 2020 had not been paid. I then logged onto Bank of America 's website and looked at my transaction and payment history. I saw a transaction dated XX/XX/2020 that showed that they paid XXXX for a tax dispursement. On XX/XX/2020 the correct amount to have been paid would have been XXXX. They paid XXXX, the tax with a penalty which was not correct. Then on XX/XX/2020 there is a transaction for a tax refund for XXXX. Apparantely the bank did not follow up to find out why this tax was returned. I don't know if it was sent to the wrong address and returned or if some other situation was in play. On XX/XX/2020 there is a transaction for Escrow Payment to Customer in the amount of XXXX. No explanation was given to me other than I had over paid my escrow. I believe that my escrow was overpaid because of the returned tax refund. 
After receiving the late notice and talking to the banks customer service, I called my tax collector ( XXXX XXXX ) and asked if he had received any school tax payment from Bank of America. He said that he had not received any payment from the bank and he certainly didn't return anything to the bank. The last day to pay these taxes will be XX/XX/2020. After that the bill will be turned over to XXXX XXXX, PA for collection. 
Customer service at BOA has given me various explantations why they have done nothing wrong even after laying out my problem as I have done in this document. At one point they opened a case file on this issue ( XXXX ). The case manager was XXXX and I was told that she would contact me within the next 48 hours. That was on XX/XX/2020 and I still have not received a call. At this point I have paid the school tax myself with the late penalty. If Bank of Ameirca had paid this tax on time, there would have been no penalty. I am only asking that my late fee of XXXX be compensated back to me by Bank of America. I have paid this mortgage faithfully and on time for over ten years. Bank of America 's customer service is abysmal and totally unresponsive to my needs as a customer. I would greatly appreciate any assistance you could give to resove this matter. 
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 monetary relief
Consumer complaint received 2020-12-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: NJ

Complaint narrative:
Sent via email to XXXX on XX/XX/2020 at XXXX XXXX, my post discharge monitoring form. I want to make sure that it is processed and also need to confirm what year that I am in for the monitoring period. 

I have attached a copy of the completed form to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 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: AES/PHEAA
State: MD

Complaint narrative:
On My credit report show a few accounts closed and in delinquency. 

Student loans accounts are in a payment plan, how ever this accounts are showing late and that needs attention on a make a payment. 

All my student loans are out of defaults. 

thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Card Receivables Fund Incorporated
State: CA

Complaint narrative:
I have been trying to fix this problem for a long time ( over 15 months ), have offered pay-off, settlement etc. 
Company keeps calling me on a daily basis, about 3-6 times per day from different numbers. 
UNIFUND ownes this debt. XXXX XXXX XXXX calls me all the time, instead of providing a signed settlement in writing - they have provided a setetlement, but with amount too high, I had explained to them that I am under a single parent COVID-19 hardship with no income since XXXX. 
RThey sent me a settlement that they did NOT SIGN, amountb too high. 
They need to provide a settlement offer that I can AFFORD and that they SIGN before they send it to me. A printed out settlement offer NOT signed is not valid and I can NOT send any money to them if it is not legitimate and SIGNED!! 
They also need to assure that they will dismiss the lawsuit against me within 10 days after receiving the 1-TIME SETTLEMENT PAYMENT, that they will provide a copy of the dismissal of the lawsuit to me within 15 days, that they will refrain from suing me about this matter and the remaining balance in the future, that the entire debt will be dismissed with my one time payment of {$200.00} They just called me again from a robo-call saying they are offering a disount, press 0 - when I pressed 0 the call was being disconnected. 
Another company - XXXX XXXX - keeps also calling me, claiming they own this debt and that I have to submit payments to them ....

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 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: Kriya Capital, LLC
State: NY

Complaint narrative:
On XX/XX/XXXX 2020, CREDENCE RESOURCE MANAGE add a derogatory marks on my credit reports per XXXX and XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA CREDENCE RESOURCE MANAGE has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Lost wallet and placed a freeze with 3 credit organizations including Experian. 

Found wallet and removed 2 credit freezes on line with no problem. Experian was given all the correct information including the PIN number. 

They were not able to remove on-liner and gave a reference number to call instead. When calling, no live attendant is possible except for " selling. 

Instead of resolving after giving information Social Security number, address, etc. There is no intention to resolve, but to advise you to mail them with numerous amounts of information. Will have to certify letter so they cant say they did not get it. 

In the meantime, they are now sending emails after the online rejection to remove the freeze, to buy their services. 
Also, I cant refinance and take advantage of todays rates because of being held captive by Experian. 
I have a pin, but of no help. 

XXXX  and XXXX was a 2 minute on-line transaction. Experian is abusing the process for personal gain by selling services instead of solving their on-line problems.

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 2020-12-07 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: FL

Complaint narrative:
EQUIFAX as violated seven federally protected consumer rights under the FCRA Fair Credit Reporting Act 15 USC 1681 in reporting information that I have no value and unfair to me the consumer, natural person and original creditor. 15 USC 1602 ( g ) The term creditor refers only to a person who both ( 1 ) regularly extends, whether in connection with loans, sales of property or services, or otherwise, consumer credit which is payable by agreement in more than four installments or for which the payment of a finance charge is or may be required. EQUIFAX has violated federal law 15 USC 1681 ( a ), 15 USC 1681 ( a ) ( 2 ), 15 USC 1681a ( 4 ), 15 USC 1681a ( 2 ) ( i ), 15 USC 1681a ( 2 ) ( b ), 15 USC 1681a ( 3 ) ( e ), & 15 USC 1681b ( a ) ( 2 ). Pursuant 15 USC 1681n ( a ) ( 1 ) ( a ) EQUIFAX is civilly liable for violating federal law I have exhibit along with notarize sworn affidavit of truth stating the facts inside and citing violations line by line. I also explain clearly on how I was violated and how the consumer report has attempted to harm my reputation and by reporting base solely on information between credit grantor and credit bureau not the original creditor which is a violation. My consumer reports has been unfair and harmful practices by EQUIFAX and I never gave them written instructions for accounts presented in my exhibits. Consumer has a right to privacy and my privacy has been breach by EQUIFAX. This credit bureau report has caused me and my family much stress and anguish due to the unfair practices from this corporation. Pursuant 15 USC 1681n ( a ) ( 1 ) ( a ) EQUIFAX is civilly liable invoice is attached.

Company response to consumer: Closed with explanation