vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Credit Analysts of MN, Inc.
State: IL

Complaint narrative:
For over a year now ( XX/XX/XXXX XXXX, I've been requesting, on multiple occasions, via certified letter, USPS, that Professional Credit Analysts of MN send me proof of validation of multiple debts they are reporting on my credit reports. As of today XX/XX/XXXX, they have failed to furnish any signed contracts or any of the other docs requested. 

In addition, the first time I've even heard of this company was when I pulled my credit report last year and saw a number of accounts. I NEVER received any initial communication from Professional Credit Analysts alerting me to any of these alleged debts, and not letting me exercise my right to dispute. 

By refusing and failing to provide me validation for over a year, and not sending an initial communication letter, they have proven they're intent on defaming my character by reporting erroneous items on my credit report. Not only that, but based on what's on my reports, they are reporting wrong information, and on top of that,, reporting a number of different dates across all 3 bureaus, it appears they are attempting to re-age these debts.

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 2020-10-16 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: AL

Complaint narrative:
Transunion is reporting a balance owed on a charged off account

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 2020-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/2020 I called Transunion due to inquiries that appeared on my credit report that I didn't authorize. I was instructed to contact the creditors directly and I was told that it was not Transunion 's responsibility to investigate or resolve my issue. On XX/XX/2020 I mailed a certified letter to Transunion requesting that someone investigate the inquiries on my credit report. I still have not received a response and it's almost XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
This debt has been settled and paid in full with this company and I want it removed and report to all 3 credit reporting agencies This company MIDLAND assured me it would be done once payment was settled and they have yet to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: IN

Complaint narrative:
I sold my home back in XX/XX/XXXX ; the mortgage company was Ditech, however they filed for bankruptcy and merged/transferred services over to Shellpoint Mortgage Servicing. On XX/XX/XXXX, my insurance company, XXXX, sent Ditech a check for the overage amount of my homeowner 's insurance ( totaling {$1900.00} ) which was to be credited to me. In a previous complain that I submitted to Ditech, they responded that they had forwarded the check to Shellpoint. 

As of XX/XX/XXXX I still have not received my overage payment from Shellpoint, despite having made multiple calls and submitting a written ( email ) request to the company. I contacted XXXX, who confirmed that someone at Shellpoint cashed the overage check on XX/XX/XXXX. Shellpoint took my homeowner 's insurance credit of nearly {$2000.00}, cashed the check, and have not sent any communication as to how they are going to send me my money. Despite all of my efforts, I can not get anyone at Shellpoint XXXX XXXX XXXX to determine who at their company stole my money, nor can I get any assistance as to how they are to fix the situation.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
Starting in XX/XX/XXXX on my American Express Corporate Credit Card I received a fee for {$54.00} which they called a Delinquency Charge on a prior balance. I continued using my employers software to submit my expense reports to pay off the balance i show to be owed to the account. In XX/XX/XXXX payments were received to settle the balance owed in the XXXX statement plus to cover most of the transactions that occurred during the billing cycle of XX/XX/XXXX. However, now i am charged a {$39.00} fee called " late fee for 30-day past due balance '' In XX/XX/XXXX my payments cover the expenses occurred, however another {$39.00} late fee is charged again to my account. I discontinued using my card in XX/XX/XXXX and have continued received a {$39.00} late fee every month until XX/XX/XXXX when my account has been turned over to collections. I have not received a statement from American Express nor any communication about these overdue balances. I have relied on my company system and I understand this is a corporate card, but as a consumer i am still personally responsible for this debt and would expect better communication as well an understanding of the continued {$39.00} late fee when no new events had occurred on the account for at least 6 months. My understanding of the credit card act is to protect consumers from abusive fees on fees. I believe i have been charged a {$39.00} late fee because i didn't pay the late fees. My transactions have all been paid and accounted for. I believed my account had a {$0.00} balance and had no indication from American Express otherwise until a letter was sent in XX/XX/XXXX. I expect to see all statements and communication that was sent to me to try to resolve the issue before it escalated to this point. Additionally, I expect all these late fees waived as payments had been received on the account during the billing cycles they were charged.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
I closed on my refinance XX/XX/XXXX and there was set to be {$2800.00} set aside and that portion was to be used to pay for our property taxes for the month of XXXX. 

However, when taxes became due freedom mortgage did not pay them. Instead, taxes went delinquent and they tried to use the money in my escrow account but it wasnt enough. ( because they already had the money for my taxes from closing ) So the payment didnt go through, freedom finally made a manual payment ( XX/XX/XXXX ) of property taxes 2 months after they were past due. This included a late fee which they are obligated to pay but instead they added it to our escrow shortage they claimed we had because the taxes cleaned our account out. 

So they made us split up the shortage over a year. For the past year we have been making additional escrow payments because of an error on their end. 

I can count at least 7 times over the past few months that I have tried to get help with this issue. I was positive that we werent short but not one single representative noticed the error. No matter who I am directed to or who I ask nothing made a difference.

Freedom even ran not one but TWO escrow analysis and neither time did they notice the error or the charge for the late fee? I finally got tired of the never ending we understand that not everyones financial  situation. The money we have isnt the problem. The problem is that freedom has over charged us on our mortgage for almost a year and had no plans to notify us or even credit us for the fee which is illegal. 

I cant trust this company with my money and information anymore. This has been the worst home buying/owning experience that I ever expected. No one cared, but they all care to have us pay for a refinance again. 


Now, on XXXX XX/XX/XXXX we received a mysterious payment from an unknown source in the amount of {$2800.00}. My idea is that someone finally realized the issue and was trying to fix it without us finding out but the damage has already been done. Ive been forced to pay a higher payment during a global pandemic with literally ZERO comprehension on freedoms part.

I dont just want my money back but I need freedom to pay for this erroneous error that could have quite literally led my home into a foreclosure. So much for using my VA loan 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 2020-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Date Reported : XX/XX/XXXX RTN/ACCT # : XXXX / XXXX Original Charge Off Amount : {$32.00} Date Reported : XX/XX/XXXX RTN/ACCT # : XXXX / XXXX Original Charge Off Amount : {$240.00} Spoke to someone to request removal.

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 2020-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I closed my wells fargo account on XX/XX/2020 and now XXXX   XXXX XXXX  said i owe {$5.00} amount and plus {$30.00} bonce checking and must pay to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX I already burn up all my old checking in my born fire as their is no way theft get my check book because it is already XXXX  I also file XXXX XXXX police report as police said XXXX XXXX XXXX companies closed down 5 year ago as XXXX XXXX said sound fake set up from XXXX company as here is police cases # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EOS Holdings, Inc.
State: PA

Complaint narrative:
I am filing a complaint of non-compliance requesting validation, made pursuant to the Fair Debt Collection Practices and the Fair Credit Reporting Act, along with the corresponding local state laws. 
Please note that I am requesting VALIDATION ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay these companies : 1 )  XXXX XXXX ( XXXX ) ACCT # XXXX ATTACHED LETTER 2 ) EOS CCA ( XXXX ) ACCT # XXXX ATTACHED LETTER This month the FTC, and Federal Law Enforcement Partners have announce Nationwide Crackdown on Abusive Debt Collection Companies.

This is formal complaint that you have failed to provide me with copies of any viable evidence, bearing my signature to my dispute letter deposited by certified registered mail with USPS. ( have attached  certified letters that were sent ).

I have maintain careful records and for your benefit, and as a gesture of goodwill final attempt to have you clear up this matter. You have 15 days to cure. How are you guys reporting or verifying these accounts to the CRAs when it lacked underlying documentation.

In 2000, the FTC held that the FCRA barred a debt buyer from " verifying a tradeline disputed by a consumer when it didn't posses the original documents. FTC allegations was that upon receiving a CDV form from a CRA that the debt buyer ( s ) and furnisher ( s ) they can not use the PCM for verification does not constitute an " investigation '' for purpose of section 1681s-2 ( b13 ), when a consumer disputes the accuracy of information reported by debt buyer ( s ) or furnisher ( s ), they should either verify the information with the original documents bearing a signature within the time period set forth in the FCRA or take all necessary steps to deleted the information from the files of all consumer reporting agencies to which the information was reported
within 5 business days after receiving the consumer dispute, notify all consumer reporting agencies to which the information has been provided that the information is to be deleted from the file of the consumer who has disputed the account.

Consent Decree Order, Section II.

As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a print out of a bill or itemized document does not constitute verification.

I am again formally requesting a copy of VERIFIABLE PROOF ( of original Consumer Contract with my Signature on it ) you have on file ( Section 609 ( a ) of the accounts listed on my original letter. If not you must remove the accounts listed above. These accounts have hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit report has an account on there that should have been removed. It has been over 7 years and they have not removed this account. Also, there is a credit account that is missing. I have an account with my wife ( XXXX XXXX ) and XXXX chooses not to list this account. The first account has two charge offs for one account and ( XXXX  ), this does not make any sense to have two charge offs on one account. This is affecting my financial life in this crisis. They have reduced my credit score by 100 points and when I try to resolve they did not.

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 2020-10-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: MS

Complaint narrative:
" Enhanced Recovery Company '', a debt collection company, placed a collection notice on my XXXX XXXX credit rep

ort WITHOUT any letter or other notification advising me of that alleged debt. I am under the impression that all collection companies are required to FIRST send a letter giving the respondent 30 days to dispute the debt. This Company did NOT do this. I NEVER knew about this collection until it appeared on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 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: U.S. BANCORP
State: AZ

Complaint narrative:
I had 2 credit cards with US Bank and they charged off. This summer ( 2020 ) I was able to settle these accounts and pay the agreed payoff terms. US Bank said they would report the XXXX balance to the credit bureaus but despite multiple calls from myself to fix the incorrect balance, they have not adjusted the reported balance. In fact, they have increased the amount owed! Again, I have called many times over the past few months and asked them to correct this error and they keep assuring me it will be done within 30 days. Meanwhile, my credit scores are plummeting every month as they continue to report a balance owed in addition to adding on to the balance reporting to the bureaus!

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 2020-10-16 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: NC

Complaint narrative:
Equifax has been contacted about an error by XXXX reporting a repossession on my report that he as cost me jobs, newly opened acvounts, not to mention hurt my business. 
This account I gave called Equifax Supervisor and Managers but it's still reporting as correct and updated with my name.

This violates my FCRA Rights and a Fraud Alert was attached to my credit report. 
The Online Equifax Lawsuit that was filed against Equifax stated when I enter my Social Security number and personal data that I was included in the Class Action Law Suit but haven't received but deragoratory, negative information pertaining from Equifax. Corona Virus Equifax has been contacted time and time again but they keep me in hold for 45 minutes then hang up I call back nothing after long  hold times and after 30 days. Another potential creditor told me that Equifax is reporting this false accusations and account against my credit report hurting my buying ability and credit score. My credit score is in the 500 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 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: IN

Complaint narrative:
Information received back from dispute to XXXX XXXX validates my reason for dispute. 
Letter from XXXX XXXX states the reporting is accurate. ( See attached documents of reports showing multiple errors. ) 1. Letter  states account was a collection as of XX/XX/XXXX? How is this possible when my last reported payment in full is XX/XX/XXXX? 

2. Account is still on report as collection as of today. XX/XX/XXXX. This is clearly inaccurate. 

3. Letter states that first delinquency date was XX/XX/XXXX? Credit Report clearly shows first delinquency date of XX/XX/XXXX. Which indicates rollback and illegal re-aging. 

4. One report shows paid, and other shows as derogatory thats still in collections. 

These are multiple inaccuracies which are in violation of my rights under FCRA law.

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 2020-10-16 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: LEXISNEXIS
State: NY

Complaint narrative:
After I was a victim of identity theft I contacted Lexis Nexis in good faith to place a security freeze on my Lexis Nexis file.I recieved a letter from them on XX/XX/XXXX confirm that the security freeze was in effect and would remain until I asked for it to be removed.However in XXXX of XXXX a third party with ill intentions claims that they recieved infomation about my credit file dirrectly from Lexis Nexis.This is a breach of the security freeze from XX/XX/XXXX and a violation of the FCRA.I trusted Lexis Nexis to be responsible and protect me from being exploited by companies looking to buy my information from them.I sent a certified letter to Lexis Nexis asking them to explain their error but they never responded back to it. At this point I am considering filing a small claims action against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: LoanCare, LLC
State: NJ

Complaint narrative:
What happened was that we were refinancing our current home mortgage with loancare with this other mortgage loan company called XXXX, and they advised me that they would be taking care of my XX/XX/XXXX payment when the closing took place on XX/XX/XXXX. I received a call from the loan officer that day stating that they put on hold until the XXXX due to recent state restrictions because of covid. On this day I received another call from them to say that they were putting a hold to the loan until the restrictions in NJ were lifted due to the pandemic because my husband job was closed due to the state shutdown, I then proceeded to contact Loancare about my XXXX payment. The XXXX payment was not made until XX/XX/XXXX due to me trying to contact a supervisor from XX/XX/XXXX to the XXXX since staff was limited due to covid. I spoke with several reps who instructed me to speak with a supervisor so that no late fees occurred or bad reporting due to the other lender putting the loan on hold due to Covid19. I do not feel like this is an accurate reflection of my credit history or my relationship with Loancare. I have called their credit reporting department and send emails with no luck or resolution. If you were to review my credit history, you would see this is the only late payment I have ever had. I have put in disputes with the XXXX credit reporting agencies with no luck as well. Transunion suggested that I reach out to consumer finance for further help. This situation was beyond my control please, I need help covid affected us so much and I can't refinance my home because this " one '' payment is hurting me so much. Other lenders can help me refinance because they state i have to wait 6-8 months and make payments on time. That was the only payment that was ever late since I purchased my home in XXXX of XXXX all of my payments even during the shut down were on time and two weeks early. Please help me with this situation that was beyond my control.

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