vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-03 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: DISCOVER BANK
State: TX

Complaint narrative:
For almost 4 years I have been complaining regarding a stolen discover card, theft, identity theft, impersonation, and fraudulent payments that allowed the credit limit to be exceeded. I have been denied information that would have proven the fraud such as payment methods used by the thieves and phone conversations. Yesterday I received the attached response from Consumer Financial Protection Bureau stating the account was going to be finally re-investigated and may take up to 90 more days. ( 0 more days is more than 4 years after the fact. I request a speedy investigation by Discover, XXXX XXXX XXXX. Per the FCRA, the validity, completeness and accurateness should have been accomplished long ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
For almost 4 years I have been complaining regarding a stolen XXXX card, theft, identity theft, impersonation, and fraudulent payments that allowed the credit limit to be exceeded. I have been denied information that would have proven the fraud such as payment methods used by the thieves and phone conversations. Yesterday I received the attached response from Consumer Financial Protection Bureau stating the account was going to be finally re-investigated and may take up to 90 more days. ( 0 more days is more than 4 years after the fact. I request a speedy investigation by XXXX Experian XXXX XXXX. Per the FCRA, the validity, completeness and accurateness should have been accomplished long ago.

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 2021-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
It is impossible for me to fix my credit. I do everything I possibly can and items that are 100 % false and incorrect never come off my report. It will drop XXXX points in a day with no explanation. Ive got barely any debt and it doesnt reflect a correct debt to income ratio nor does it ever seem to get above XXXX when I have paid off student loans, pay CCs on time, have no mortgages or bankruptcies and a bunch of items that are medical bills that didnt bill my insurance when I was fully medically insured ; I dispute them and they deny my claim but dont give me reasons why. Im XXXX and work daily for years to fix my credit and its impossible due to obfuscation, misinformation, wrong information, and inability to properly dispute flagrantly incorrect or fraudulent items. I need to buy a home and move forward with my life and this is making it impossible to do so. Please address XXXX XXXX XXXX  Transunion Accordingly.

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 2021-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
It is impossible for me to fix my credit. I do everything I possibly can and items that are 100 % false and incorrect never come off my report. It will drop XXXX points in a day with no explanation. Ive got barely any debt and it doesnt reflect a correct debt to income ratio nor does it ever seem to get above XXXX when I have paid off student loans, pay CCs on time, have no mortgages or bankruptcies and a bunch of items that are medical bills that didnt bill my insurance when I was fully medically insured ; I dispute them and they deny my claim but dont give me reasons why. Im XXXX and work daily for years to fix my credit and its impossible due to obfuscation, misinformation, wrong information, and inability to properly dispute flagrantly incorrect or fraudulent items. I need to buy a home and move forward with my life and this is making it impossible to do so. Please address XXXX Equifax, XXXX XXXX Accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 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: NH

Complaint narrative:
I have been trying for over 3 years to get Equifax, XXXX XXXX XXXX  to remove a collection account that has been closed they refuse to close it and continue to leave them on my report everytime I disputed an item after the dispute is done my score goes down as much as XXXX points

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 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: MN

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I would appreciate it if you deleted these items immediately as it is hindering me. This issue is frustrating and I just ask that I can be assisted in any way to help my situation. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
End of loan maturity XX/XX/XXXX on XXXX XXXX XXXX XXXX. Still owe {$7400.00}. Some of the amount is late fees and a few deferments but I can pay cash for that part. About {$4100.00} I can pay cash for the explained unpaid amount. Santander shows about {$3200.00} remaining that is keeping me from getting title and owning a vehicle I have paid over {$26000.00} for in 7 years. Santander is threatening to repossess vehicle and has reported me late to credit agency even though I have continued making payments past maturity date. I want to pay deferments and late fees and get my Title.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 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: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
Wells Fargo is inaccurately and unfairly reporting to credit bureaus and causing further debt entrapment to their customers. 

During the lockdown, I requested my loans be entered into a forbearance XXXX and I entered again from XXXX. XXXX did not communicate limits to this and subsequently removed them from this status resulting in 30-60-90 day late reporting. Again, no limits had been communicated to me or my co-signer, despite me making an additional request in XXXX to extend. 

When I inquired when/why these changes places to place, it took speaking to the XXXX to get an answer that wasn't " you need to pay these to bring them current ... that's all we know '' and I waited an additional 15 days to be told they had no intention of acknowledging their lack of compassion, communication, or damage to my credit report. In addition to catching them rack fees in my account and being issued a refund for multiple instances of these fee assessments, I believe Wells Fargo is a predatory bank that should be investigated. 

They are resolving themselves of their place in the student debt crisis and selling their student loan accounts to a third party -- leaving thousands of us with loans nearly in default to instead deal with collection agencies where additional fees will be added. 

This is unfair, inaccurate, and it should be examined further to prevent Wells Fargo from further profiting from it's predation.

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 2021-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: AZ

Complaint narrative:
I have been paying my mortgage on time every month for over 20 years. On XX/XX/XXXX I mailed in enough money to apply to the principal balance and pay off the loan. I received the check back on XX/XX/2021 with a note saying the payoff amount had to be in certified funds. I called and they told me they would fax or mail a payoff statement to me but they would not give me the information over the phone or email. Then they explained they took several days to process payoffs so it would be best to add a week of interest to the payoff. My biggest issue is after reading the Payment coupon I receive every month there is absolutely nothing that says a final check that pays off a loan has to be in the form of certified funds. It took forever to get hold of someone at PHH Mortgage Services and they were not very helpful. I get it, they just want to hold off the receipt of funds as long as they can so they can make interest. I hope someone at the CFPB will look into this and get back to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 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: TX

Complaint narrative:
On XX/XX/2020, ( officially picked up from the XXXX XXXX on XX/XX/2020 ) I sent Portfolio Recovery Associates a debt validation letter to address inaccuracies and errors that they illegally placed on my credit report. They reported 3 accounts with balances of {$2100.00}, {$1400.00}, and {$2400.00}. In my letter, I requested that the company send the following : 1. What the money you say I owe is for : 2. Explain and show me how you calculated what you say I owe : 3. Provide me with copies of any papers that show I agreed to pay what you say I owe : 4. Provide a verification or copy of any judgment if applicable : 5. Identify the original creditor : 6. Prove the Statute of Limitations has not expired on this account : 7. Show me the you are licensed to collect in my state : 8. Provide me with your license numbers and Registered Agent or Agent of Service The company never validated the debt. It only sent me copies of billing statements, and the Federal Trade Commission clearly states that billing statements are NOT a proof of debt. LETTERS AND TRACKING WILL BE ATTACHED. Also, in the companies prior response, the company stated that it sent me initial notification letters. THAT IS A LIE AS I HAVE NEVER RECEIVED AN INITIAL NOTIFICATION LETTER. Furthermore, YOU ARE REQUIRED TO SUPPLY THE CONTRACT. What else gives me any legal obligation to PAY YOU? A CONTRACT WITH MY SIGNATURE ON IT. Also, on the XXXX XXXX  account, THAT ACCOUNT IS PAID IN FULL WITH THE ORIGINAL CREDITOR WITH NO HISTORY OF DEROGATORY STATUS *Proof will be attached*. ANOTHER THING, in your response to the previous complaint, you stated you ceased all communication and collection activity with me. My letter stated for you to CEASE ALL TELEPHONIC COMMUNICATION WITH ME AND COMMUNICATE WITH ME VIA LETTER MAIL AS WELL AS CEASE ALL COLLECTION ACTIVITY IF YOU CAN NOT VALIDATE THE DEBT. Is this your admittance that you can not validate the debt? To this day, this company has not legally validated this debt and still reports it to the credit bureaus. This company has not answered any of the questions in my letters. Billing statements are not a validation or proof of debt as anyone can create a billing statements. How do you have a billing statement from the XXXX Account and the account is paid in full? How do you have a XXXX XXXX account and that account ( original creditor ) is not on any my credit reports. Lastly, how do you own accounts that are allegedly mine if the Original Creditor CANT EVEN VERIFY THAT THOSE ACCOUNTS BELONG TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 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: GA

Complaint narrative:
On XXXX/XXXX/2020 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 of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 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: Shellpoint Partners, LLC
State: PA

Complaint narrative:
Unfortunately I do not have specific dates but I have time frames. Several times in XXXX, XX/XX/XXXX and XX/XX/XXXX, I have contacted XXXX  credit bureau to dispute the inaccuracy of ShellPoint mortgage displaying on my credit report as open with a balance. I have also contacted the mortgage company and they informed me that they sent updates to the credit bureaus back in XX/XX/XXXX which is when the mortgage was satisfied. I also sent mortgage satisfaction documents to the credit bureau and they are refusing to update the credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 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: LA

Complaint narrative:
I am disputing information being listed on my credit report. I spoke with XXXX at XXXX XXXX XXXX XXXX about an account being listed as my insurance company collected the money from my XXXX account and paid the hospital directly. I spoke to someone about the account with XXXX XXXX and informed them that my Insurance company has been contacted and will pay the facility directly. They listed it on my credit report stating I owed them for the medial bill in which I did not OWE them I had my insurance company create and pay the bill through their medical system. 

I then seen the information listed on my credit as " Unpaid " and now " Paid " 1. I did not pay XXXX XXXX XXXX .My insurance handled the billing.

2. I informed them that I did not owe them and they need to stop reporting as it is illegal to report false information on my credit report. 
3. They should NOT own this debt as when I emailed XXXX at XXXX XXXX XXXX XXXX she indicated that she will be having someone reach out to the collector and tell them they can't collect or own the debt any longer. 

I sent several emails to the collections agency in which they responded to none of my emails or letters sent. I also copied them in on the letters I sent to XXXX XXXX indicated the account will be recalled from their agency. I again di not pay them so I want this collection off my record. My insurance took care of the money in which I communicated with them and XXXX from the beginning. That XXXX must have miss communications and when they finally settled it they should not be reporting. If you say I owed you money send me a signed contract I have with this collection firm if not REMOVE THE CREDIT LINE FROM MY ACCOUNT. send me a SIGNED contract with my name on it. I am also sending a verification letter to the CB as well for documentation on this account and to see what all is being listed. I will not let people damage my credit reputation due to miscommunication from companies in which I clearly indicated I did not owe any thing to and a contract can not be provided according to the FCRA 611

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: MD

Complaint narrative:
Through First National Banks own XXXX Banking XXXX, I initiated a transfer for the balance in my checking account to another financial institution. First National Bank tacked on a XXXX cent fee. This fee was either not disclosed or disclosed in a manor that was not easily seen. 

The result of this fee being added on First National Bank caused an overdraft of XXXX cents in my account. Then they charged me an overdraft fee of {$37.00}. That's an astronomical fee of 1,355 % My issues are : 1. The transfer was processed through First National Bank and when I processed the transfer it should not have allowed me to do so since I would not have had enough money to make the transfer. 
2. Being charged an overdraft fee caused by a bank fee seems way out of bounds. 

I tried to get a refund from the bank but they refused.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Harris & Harris, Ltd.
State: CA

Complaint narrative:
Around 2 months I began receiving 10+ calls a day from an unrecognized phone number. Everytime they left messages and did not describe anything meaningful about any debt or anything. After searching the phone number online, it was marked as FRAUD and a SCAM collection agency bait company. So I blocked the phone number like any normal person would do, after receiving so many harrasing phone calls [ 10+ calls a day for a month ] each with a voicemail which further filled up my voice mail and did not allow other people to contact me via voicemail message. 

Then yesterday I receive a letter in the mail from another company, which says I owe {$1300.00} for the city of XXXX XXXX office of finance business tax. This raised many red flags as, the XXXX XXXX office of finance would first mail XXXX  business a past due tax balance if they believed there was a past due balance owed. I have not received any prior communication from the XXXX XXXX XXXX regarding any balance due on XXXX business tax account and pay such each year. Then the collection letter does not describe any real account number or verifying information to verify or locate or understand the debt they try to wrongfully collect. There is nothing contained in this collection letter that relates or correlates with XXXX XXXXXXXX XXXX XXXX tax account number or any other identifying information in order to verify such. 

Then the collection letter does NOT contain the legal language required by law. it does not explain my rights to dispute the debt, or verify the debt. it only says to pay the debt owed to them directly. By law this collection letter should have a paragraph which gives the person receiving it information regarding their rights to dispute and verify the debt. 
There is also no contact information given in order to dispute the debt with the collection agency, but rather only a link to make a payment. 

This is an illegal and fraudulent collection agency that uses illegal tactics to steal money from consumers and people who do not understand their rights and laws during this time. This company needs state ( CA and IL ) and federal investigations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I complained about this credit card Company back in XXXX about proving that I made payments on this account and on time. I thought it was all settled when I informed you before. I now discover that Barclay charged me another late fee of XXXX and added XXXX to my account when it states payment and they charge the payment instead of crediting it. On my Current statement and last Months statement it states I owe XXXX for a pmt As you can see, I made XXXX pmts. Now they tell me that I own over XXXX in pmts. I have never been late on this account yet they have my account stating it is late again. This has been going on since XXXX 2020. 
I have sent them notices about this and they state someone will call me. NO ONE has ever called and my phone # has been the same over the last 5 years. I have tried to call them several times and they place me on hold and never return. 
Please see attached proof.

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 2021-02-03 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: American Credit Acceptance, LLC
State: NY

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX XXXX Inquiry : XXXX. XXXX, 2020 AMERICAN CREDIT ACCEPTAN Inquired on XX/XX/2020. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation