vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Risecredit, LLC
State: DC

Complaint narrative:
RISE has reported an account in collection to the XXXX  credit bureau. I have contacted them numerous times by mail requesting validation of this account. They did not provide any details about their authority to collect this debt, a copy of the last billing statement sent to me by the original creditor, or provide a copy of the written agreement that created my original requirement to pay. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt. Please note this is a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent. If your office fails to reply to this debt validation within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My XXXX XXXX credit card due date is the XXXX of each month and closes on the XXXX ... .and XXXX  of the XXXX is when it reports to the bureaus ... ..on the report date my balance was XXXX ... ..now on XX/XX/XXXX which is not my report cycle ... XXXXEXPERIAN reported my account over the limit at XXXX and dropped my credit score significantly ... I am attaching my statement that closed XX/XX/XXXX and should have been reported in XXXX ... XXXX statement has not even generated yet ... .Please correct this and re-score my file ... .I am in the process of buying a home ... the CREDIT BUREAUS ARE CONSTANTLY WORKING AGAINST THE CONSUMER ... now when this account is at XXXX ... .THE BUREAUSE DON'T REPORT XXXX!! I HAVE TO CALL THEM TO UPDATE MY 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 2020-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
During the COVID-19 pandemic we are asking Citibank to reverse the monthly maintenance fee on our checking account. Citibank refused to reverse the XX/XX/2020 fee.

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 2020-06-16 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: SLM CORPORATION
State: NC

Complaint narrative:
Sallie Mae " account manager '', XXXX, has continued to harass my family and my family 's co-workers ( bosses ) at their places of employment. The SM account manager called my aunt 's boss, at her job and asked specifically for her boss - by name - and then asked if he knew me or how to get in touch with me. I do not personally know her boss, he knows my name - that is it. This is illegal - Sallie Mae 's account manager can not call my family 's co-workers at their places of employment regarding my financial hardship. The call was on XX/XX/2020 at XXXX. 

Additionally, XXXX ( account manager ) screamed at my mother when she was telling him she was at work and would need to call him back, he continued to talk over her and did not listen to a word she was saying. Instead he proceeded to call everyone in my family he could think of calling. 

Yesterday, we asked a manager with Sallie Mae to remove XXXX from my account for his illegal, predatory actions - we were advised that my account manager could not be changed. 

I would appreciate some guidance or assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent accounts present in Exhibit C are in fact compliant and not subterfuge? All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least, they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable accounts on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. 

Initial dispute sent XX/XX/2020 30 Day demand to comply sent XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 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: OK

Complaint narrative:
Hello, Your Company is reporting unverified accounts on my credit profile. By continuing to do so they are in violation of 15 U.S.C. 1681. According to the Fair Credit Reporting Act, 15 U.S.C. 1681 the credit reporting agencies are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report to assure maximum accuracy.

I have sent multiple requests for proof of verification ( copy of the original consumer contract with my signature on it ) of the accounts they are reporting on my credit report in the form of disputes. Every one of my requests has been ignored. Your company 's continued ignoring of my multiple requests for proof of verification ( copy of the original consumer contract with my signature on it ) has and is hindering my ability to obtain credit. 

My most recent request for proof of verification of the unverified accounts was sent out on the XXXX of XXXX, 2020. 

I also sent out a request for proof of verification of the unverified accounts on the XXXX of XXXX, 2020 with no deletions or proofs of verifications as required by law. 

I am simply requesting that the credit reporting agencies properly verified accounts they are reporting on my credit profile and send me proof of verification or simply delete them, which they have ignored those requests time and time again so I am reaching out to you and asking for your assistance in this situation. 

Thanks in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Your agency has sent a refusal to investigate my credit file, claiming my request Doesnt seem to come from me. PLEASE EXPLAIN WHAT THIS MEANS. You have received my ID, SSN, and LATEST BILL. Is there a law against my getting guidance and/or assistance? Be assured, I copied the complaint information you received and pasted my concerns in it. Your agency has a well-known reputation so I sought professional assistance in creating a paper trail to document any violations of the FCRA. Additionally, your delays add up to more than 30 days which violates FCRA rules. Please immediately remove the items in question below. 

ACCOUNTS XXXX  XXXX XXXX XXXX XXXX XXXX never late XXXX XXXX XXXX never late XXXX   XXXX never late XXXX XXXX  XXXX never late XXXX/XXXX XXXX XXXX never late XXXX/XXXX XXXX XXXX never late XXXX XXXX XXXX never late XXXX XXXX/XXXX  XXXX never late XXXX   XXXX/XXXX  XXXX never late XXXX XXXX   XXXX not mine XXXX/XXXX   XXXX not mine XXXX XXXX XXXX not mine XXXX/XXXX  XXXX not mine XXXX/XXXX   XXXX XXXX  XXXX not mine XXXX XXXX XXXX not mine XXXX   XXXX not mine XXXX XXXX XXXX   XXXX not mine AS REPORTED, THESE ARE NOT MINE Please sent me dispute results and a complete updated copy of 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 2020-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
During the COVID-19 pandemic we are asking Citibank to reverse the monthly maintenance fee on our checking account. Citibank refused to reverse the XX/XX/2020 fee.

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 2020-06-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
On XX/XX/XXXX, Bank of America credit card services was supposed to send me a check for an over payment on my credit card. I over paid {$1400.00} and initially they said they would send me a check that I would receive in XXXX days. That check never came. I called back multiple times being told ; it would be placed back into my credit card account, then it would go into my checking account, then they would mail another check. In XXXX I received another check that was taped together. Im assuming this was a postal service issue. I have called two additional times after the check to let them know the situation and been told it will go back into the account and in my bank account. None of which has happened and Im still missing my {$1400.00} with no end in sight!

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 2020-06-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
We were supposed to travel to XXXX XXXX XXXX using a travel site called XXXX we cancelled at the right rime so we should have received a refund but they shut down and I received an email saying to contact my bank which I did and provided TD bank with all of my information and was denied! This is beyond unacceptable there should be no reason I was denied

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am AUTHORIZED USER ON my husbands XXXX XXXX CREDIT CARD ACCOUNT ... .the due date is the XXXX of each month and closes out the XXXX of each month and XXXX of the XXXX is when it reports to the bureaus ... ..on the report date my balance was XXXX ... ..now on XX/XX/XXXX which is not my report cycle ... .EXPERIAN reported my account over the limit at XXXX and dropped my credit score significantly ... I am attaching my statement that closed XX/XX/XXXX and should have been reported in XXXX ... XXXX statement has not even generated yet ... .Please correct this and re-score my file ... .I am in the process of buying a home ... the CREDIT BUREAUS ARE CONSTANTLY WORKING AGAINST THE CONSUMER ... now when this account is at XXXX ... .THE BUREAUSE DON'T REPORT XXXX!! I HAVE TO CALL THEM TO UPDATE MY 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 2020-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I lost my car last month due to a total loss which was not my fault. I continued to make my car payments due to being under the impression that prior to knowing that info, my car was being fixed. I reversed THREE of those payments through CHASE. Last week, one of the payments ( which happens to be the one that was the MOST ) {$310.00} was charged back to my account. Ive called over 10 times and have had to wait HOURS to be told XXXX. I sent in proof on that payment ^ which I shouldnt have done bc for one, it was not requested w the other two. Im tired of this bank. They are thieves and I want my money back. I got paid Friday and that {$310.00} came out of my check and all the reps want to do is be rude and tell me I have to wait patiently for a case to be opened and to get MY money back. Do not bank with Chase. Go elsewhere, this is ridiculous that I have to go this far to resolve an issue with MY money that should have never been taken back from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Recovery Systems
State: NY

Complaint narrative:
I received a negative report on my XXXX  Credit Report back in XXXX of XXXX from Midwest Recovery Systems about an unpaid debt. I never received any mail or letters in regards to this supposed debt. I also have not lived in the State of Florida since XXXX and had not been to a doctor for at least a year prior. I disputed that and it was removed on XX/XX/XXXX off of my XXXX  Report. 

As of XX/XX/XXXX, it was alerted to me by XXXX  that the same company is reporting that I have a debt in collections with them. I went through XXXX  to dispute this. It is now XX/XX/XXXX and I have yet to receive notification that this will be removed as it is NOT my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I made on charge on XX/XX/2020 for XXXX and somehow a charge was also placed on XX/XX/2020. My limit was XXXX now it is XXXX. They are charging me for something I never ordered. I have tried to talk to them and they refuse to even listen. They keep giving me the run around. This is fraud XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Your agency has sent a refusal to investigate my credit file, claiming my request Doesnt seem to come from me. PLEASE EXPLAIN WHAT THIS MEANS. You have received my ID, SSN, and LATEST BILL. Is there a law against my getting guidance and/or assistance? Be assured, I copied the complaint information you received and pasted my concerns in it. Your agency has a well-known reputation so I sought professional assistance in creating a paper trail to document any violations of the FCRA. Additionally, your delays add up to more than 30 days which violates FCRA rules. Please immediately remove the items in question below. 

ACCOUNTS XXXX XXXX  XXXX not mine XXXX XXXX not mine US DEP ED XXXX not mine XXXX XXXX XXXX XXXX not mine AS REPORTED, THESE ARE NOT MINE Please send me dispute results and a complete updated copy of 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 2020-06-16 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: Ditech Financial LLC
State: WA

Complaint narrative:
XX/XX/XXXX I filed Chapter XXXX include which did NOT include the mortgage ; XX/XX/XXXX it was successfully completed & discharged. XXXX of XXXX was contacted by DITECH the mortgage servicing company that the XX/XX/XXXX payment was missed & after providing proof of payment notified that the XX/XX/XXXX payment was missed & again provided proof of payment ; shortly was again notified that the XX/XX/XXXX payment was missed. While I haven't been able to find proof of that payment I'm sure that it was made. So all payments both before & after XX/XX/XXXX are documented as paid on time. Once the Ch XXXX was over DITECH proceeded to report my timely payments as 30 days late mostly on an every other month basis. Late fees were never accessed. Apparently DITECH applied payments against arrears which caused the late payments. On advise of my attorney I made an extra payment so it would not affect the the mortgage I am now trying to get approved. Fast forward to XX/XX/XXXX XXXX assume this debt & stated payments made to DITECH & then sent on would not be reported as late yet they did & now I have a 60 day late. 
ATTACHED ; XXXX XXXX MORTGAGE PAYMENT HISTORY, XXXX STATEMENT

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
One of my credit account had been removed from all 3 credit bureas.Earlier it was not deleted from XXXX  so I called capital one and put a request to add back to XXXX  but not it's not reflecting in all 3 bureas Partial Account # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capio Partners, LLC
State: FL

Complaint narrative:
XX/XX/2020 XXXX, {$290.00}, XX/XX/2020 XXXX {$100.00} I have reached out to Capio partners in reference to these accounts. These accounts are an result of identity theft which is reporting on my report inaccurate and is violating fair debt reporting act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
my account was restricted I'm the payee of my brother he stays in my house he has XXXX XXXX i dont trust adding him to my account so i managed his funds from work td bank restricted my account because i wouldn't add him as a authorized user I would never take from him but he uses XXXX  I dont trust him to have access to my account and I'm XXXX covid-19 has me scared to go anywhere I'm very old

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Portfolio Recovery Associates, LLC
State: KS

Complaint narrative:
XXXX XXXX  sold a debt for a credit card to Portfolio Recovery Solutions and wrote the debt off ( which is reported on my credit report by XXXX as " written off as bad debt ). The debt was {$3300.00} when it went into collections and was soley in my name -- no one else was associated with this debt. Additionally, Portfolio did not know what this debt was, other than from XXXX XXXX  and could not disclose what the debt was relating to. 

Portfolio Recovery Solutions began to call me from an unknown number, never leaving a message -- I never personally spoke with the debt collector. On XX/XX/XXXX, between XXXX XXXX  CST, they contacted my husband who was NOT associated with the debt.. Portfolio Recovery Solutions disclosed the following to my husband : Debtor, Amount, and time past due. I did not authorize the sharing of this information and is a violation of FDCPA. 

I immediately contacted Portfolio Recovery Solutions, speaking with XXXX XXXX " operations manager, '' and asked why they would disclose the debt, which then they claim " Kansas is a spousal consent state and we can disclose that debt to to person you are married to. '' That is NOT how FDCPA, a federal regulation works. They can contact my spouse and ask my number and how to contact me, but they can NOT disclose debts, amount, debtor, and payment information. Additionally, Portfolio Recovery Solutions LIED about communications with me and said they spoke with me in XXXX and were following up -- which is NOT true, this is false and misleading.

Company response to consumer: Closed with non-monetary relief