vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-30 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This was removed previously but was applied back on to credit. The agency has failed to provide documents I sent certified letters in request multiple time and have also failed to answer the lawsuit within do time.

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 2020-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CUSTOMERS BANCORP, INC
State: NY

Complaint narrative:
XXXX XXXX ( Bank Mobile ) made an ACH transfer for {$350.00} AVAILABLE before it got cleared. The end result, it never cleared and now i owe Bank Mobile Money for making it available? if overdraft protection was ACTIVE like i have plenty of XXXX  saying then i shouldnt have been able to go over {$50.00}! They took {$350.00} back 5 days later XXXX  up my finances DURING A PANDEMIC. NOW they got most of my unemployment AND {$98.00} from my Small Business loan i  received today. This is NOT RIGHT AND IF YOU SAY YOU ONLY COVER UP TO {$50.00} THEN YOU HAVE A LIABILITY TO SUSTAIN THAT AND NOT ALLOW ME TO MAKE MISTAKES BASED ON WHAT YOU ADVERTISE. 

I called XXXX Executives to help and their response was " We don't have access to our own accounts. '' 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 2020-04-30 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX/XXXX/XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXXXXXXDispute XXXX XXXX, XXXXDispute XXXX XXXX, XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX/XXXX XXXXDispute XXXX/XXXX/XXXXDispute all filed to ftc and here violations attached and uploaded

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This was removed previously but was applied back on to credit. The agency has failed to provide documents I sent certified letters in request multiple time and have also failed to answer the lawsuit within do time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX/XXXX/XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXX/XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX, XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX/XXXX XXXXDispute XXXX/XXXXXXXXDispute all filed to ftc and here violations attached and uploaded

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 2020-04-30 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX/XXXX/XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXX/XXXXDispute XXXX XXXX, XXXXDispute XXXX XXXX, XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX/XXXX XXXXDispute XXXX/XXXX/XXXXDispute all filed to ftc and here violations attached and uploaded

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 2020-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I have a loan with Bank of America. At the beginning of XX/XX/2020, Bank of America assessed a {$5.00} fee on my mortgage, without giving any reason. Whats more, they marked this {$5.00} as past due, probably with the intention to rush me into paying at as soon as possible. Since its just {$5.00}, I paid without asking why. 

And then they got greedy. At the end of XX/XX/2020, they, once again, charged my mortgage with {$5.00}, also called it past due, without giving any reason. 

This despicable practice of Bank of America deserves a serious investigation.

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 2020-04-30 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: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
Comes Forth Your Petitioner States that LVNV Funding has purchased a debt from XXXX  while the account had an open previous dispute with the previous company. LVNV funding Purchasing this debt from XXXX  assumes the debt and its liabilities. LVNV funding has failed to address the dispute of a bill not being received and transactions on the account. LVNV reporting without addressing the previous companies dispute is a violation of Fair Credit Billing Act & Fair Credit Reporting Act. Petitioner disputed account directly with LVNV and received that it is a verified debt since a statement has been sent. Petitioner has been caused MANY MANY damages from this. 
Petitioner is requests CFPB order LVNV to immediately remove item from credit report and address petitioners issue that the bill was not received from Original Creditor. Original Creditor deleted from credit report already to remove their liability Complaint on XXXX  to follow. 

Petitioner is XXXX veteran drawing veterans benefits for living expenses.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-30 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: Clarity Services
State: NC

Complaint narrative:
ftc violations attached potentially Negative show XXXX XXXX XXXX/XXXX/XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXX/XXXXDispute XXXX XXXX, XXXXDispute XXXX XXXX, XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXXDispute XXXX XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 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: Innovis
State: NC

Complaint narrative:
ftc violations attached potentially Negative show XXXX XXXX XXXX/XXXX/XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXX/XXXXDispute XXXX XXXX, XXXXDispute XXXX XXXX, XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX/XXXX XXXXDispute XXXX/XXXXXXXXDispute XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 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: LEXISNEXIS
State: NC

Complaint narrative:
ftc violations attached potentially Negative show XXXX XXXX XXXX/XXXX/XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXX/XXXXDispute XXXX XXXX, XXXXDispute XXXX XXXX, XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXXDispute XXXX XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/2019 an inquiry from XXXX XXXX XXXX was made. Company was called and contacted on XX/XX/2019 no reply or validation from XXXX XXXX XXXX XXXX Experian. Please help me resolve this matter to delete the inquiry. These company did not have my permission to assess my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: OH

Complaint narrative:
I received notice of a debt that is not mine. I wrote to the company within 30 days of receipt, as is my legal right. Today, I found my credit score has dropped by 27 points and this company was listed as the cause, having made a false report. I disputed this via XXXX. After having made the dispute, I noticed the collection agency reported this misinformation to XXXX   PRIOR to their even MAILING the letter to me. I believe this is illegal and want this removed from my credit report ( s ) IMMEDIATELY. My payment history is 100 % and I want this permanently removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 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: CITIBANK, N.A.
State: NY

Complaint narrative:
Comes Forth Your Petitioner States that XXXX XXXX has purchased a debt from citicards while the account had an open previous dispute with the previous company. XXXX XXXX   Purchasing this debt from citicards assumes the debt and its liabilities. XXXX XXXX  has failed to address the dispute of a bill not being received and transactions on the account. XXXX reporting without addressing the previous companies dispute is a violation of Fair Credit Billing Act & Fair Credit Reporting Act. Petitioner disputed account directly with XXXX and received that it is a verified debt since a statement has been sent. Petitioner has been caused MANY MANY damages from this.

Petitioner is requests CFPB order XXXX  to immediately remove item from credit report and address petitioners issue that the bill was not received from Original Creditor. Original Creditor deleted from credit report already to remove their liability Complaint on citicards to follow. 

Petitioner is XXXX veteran drawing veterans benefits for living expenses.

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 2020-04-30 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Comes forth YOUR PETITIONER offers this statement Portfolio Recovery Bought three accounts that were statements were never received prior. These accounts had open disputes and were never addressed. I was waiting on XXXX XXXX to call me back when I found out Portfolio purchased it. XXXX XXXX said these accounts would be deleted with dispute CBR date of XX/XX/2020 but they are still on my credit reports. They have changed the reporting so much I dont believe them. its still there and this has caused me many damages. I have attached the voice conversation as proof! Please help them remove this immediately from my credit report and send me {$6000.00} for damages as settlement Why if they are really deleting it to make me go through this whole call and harass me for it? Why am do I have to ask all these questions. I hope this isnt happening to so many others right now during these times. This has caused me many many damages. I am a XXXX veteran drawing veterans benefits for living expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 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: TX

Complaint narrative:
show tooltip button XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXXXXX XXXXDispute XXXX XXXX   XXXXDispute XXXX XXXX XXXX all ftc violations attached and noted :

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Chapter XXXX a negative remark on my credit report Equifax Refuse to remove the account. I never had that bankruptcy and I inform them of that but they refuse to listen. XXXX and XXXX removed it from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 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: TX

Complaint narrative:
show tooltip button XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXX   XXXXDispute XXXX XXXX XXXX all ftc violations attached and noted :

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
show tooltip button XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXX   XXXXDispute XXXX XXXX XXXX all ftc violations attached and noted :

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 2020-04-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX I went to XXXX to send {$530.00} to citi bank to pay my secured credit card bill. It takes 2 days to go to my card. So on XX/XX/XXXX I checked and see if it went on the card. It didnt. So I called citi to find out what's the problem. They saying it's under investigation. So it will be available to you on XX/XX/XXXX. So today is XX/XX/XXXX and I checked. My {$530.00} is not in my account. So I called this morning and now they telling me XX/XX/XXXX. I told them why it's taking so long. They said that's when it's going to be available. I said you told me that the first time and it wasn't. I said if I wait until XX/XX/XXXX what happens if on XX/XX/XXXX you tell me another date. It makes no sense. It's a secured card so that means it's my money not citi.

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 2020-04-30 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: Porsche Financial Services, Inc.
State: TX

Complaint narrative:
My wife and I both lost our jobs due to Covid19. So we requested a Forbearance only for 60 days under the Federal CARES ACT on XX/XX/2020 via telephone and I followed up with an email on XX/XX/2020. I was told not to worry you are approved by the customer service representative. I received a letter dated XX/XX/2020 stating were approved by Porsche Financial and were advised that our next payment would be XX/XX/2020. I have since then made my payments to bring my account up to date. However, Porsche financial has reported me 30 days late to the credit bureau. I disputed this with the credit bureaus and I called Porsche on XX/XX/20. They said that I was granted the forbearance after my due dates per the letter they sent me. I told them I was given verbal confirmation on XX/XX/XXXX that I was approved for a forbearance and this letter was sent after the fact as confirmation. The representative said there is nothing he can do. It is the way our computer system works. I am requesting this late mark be removed from my credit report. Porsche Financial is not following Care Act guidelines during this national emergency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 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: I.C. System, Inc.
State: SC

Complaint narrative:
On XX/XX/2020, I sent a third party debt validation letter to I.C. Systems, Inc. requesting any contractual agreement between me and their agency and to this date no proof of validation has been submitted to me as demanded. I have never done any business with this agency nor do I wish to do so. The alleged debt has a fraudulent charge amount associated with the account. By law pursuant to 15 U.S.C. section 1681 s-2 of the Fair Credit Reporting Act ( FCRA ), I.C. Systems, Inc., has failed to validate the this alleged debt in the allotted ( 30 ) day time frame pursuant to 15 U.S.C. 1681 ( g ) ( d ). They have NO signed contract with my signature stating that I gave them ANY permission to access my credit reports which is a violation pursuant to 15 U.S.C. section 1681b.

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 2020-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: KEYCORP
State: CT

Complaint narrative:
I currently have a mortgage with Key Bank on my residence located at XXXX XXXX XXXX XXXX XXXX CT XXXX. Account ending in # XXXX. With Covid virus, the numbers I attempt to call and denied access to a local branch has made it impossible to discuss the issue after receiving correspondence from the Bank with respect to insurance issues. 
My issue is with insurance requirements on my residence required by the mortgage. My current insurance agency ; XXXX XXXX XXXX Representative XXXX XXXX XXXX received notification from Key Bank expressing " under coverage '' policy amount for the above address. This has caused excessive insurance requirements dictated by the Bank mandating coverage on my home. I presently owe {$650000.00} on my home presently. XXXX XXXX placed valuation for replacement to be at {$660000.00} for replacement therefore assigning a yearly policy amount. 
Key Bank reached out to my agent and requires {$900000.00} replacement value for above mentioned property causing a unfounded jump in insurance costs to me due to valuation issues. 

I am asking for an individual to review these issues at hand please since my agent expects me to reach out to Key Bank and get an explanation as to these Bank requirements. I implore you to contact my agent listed above to discuss any of my issues explained to further validate this claim against Key Bank and XXXX XXXX inability to explain Key Banks position on insurance requirements. 

I appreciate any and all attention to this complaint since my insurance coverage requirement has made it difficult to meet my obligations due to Key Banks position with respect to house insurance. 

Respectfully XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My wife and I both lost our jobs due to Covid19. So we requested a Forbearance only for 60 days under the Federal CARES ACT on XX/XX/XXXX via telephone and I followed up with an email on XX/XX/XXXX. I was told not to worry you are approved by the customer service representative. I received a letter dated XX/XX/XXXX stating were approved by XXXX XXXX and were advised that our next payment would be XX/XX/XXXX. I have since then made my payments to bring my account up to date. However, XXXX financial has reported me 30 days late to the credit bureau. I disputed this with the credit bureaus and I called XXXX on XX/XX/XXXX. They said that I was granted the forbearance after my due dates per the letter they sent me. I told them I was given verbal confirmation on XX/XX/XXXX that I was approved for a forbearance and this letter was sent after the fact as confirmation. The representative said there is nothing he can do. It is the way our computer system works. I am requesting this late mark be removed from my credit report. XXXX XXXX is not following Care Act guidelines during this national emergency.

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