vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-21 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: CA

Complaint narrative:
I submitted a dispute with Experian on XX/XX/XXXX as of today XX/XX/XXXX I have not received no answer at all. According to FCRA if a dispute takes more than 30 days it must be remove. Attach to this dispute I am attaching the letter I sent them and copy of my ID and SS card to prove my identity thx.

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 2022-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To whom it may concern : This letter is being sent to you in response to a correspondence sent to me. This is not a refusal to pay more rather, an endeavor to validate the alleged claim pursuant to Sec. 809 ( b ) of the Fair Debt Collection Practices Act requires that, the consumer disputes the debt or requests identication of the original creditor in writing and that the collector must cease collection until he veries the debt and mails a response. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verication of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 
I request the following :

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 2022-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
i modified my loan around XXXX  and now the bank is telling me that after XXXX years i will have a balance of XXXX XXXX, i bough the house for XXXX XXXX and been paying this house for XXXX  years and i still have a balance of XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Selene Holdings LLC
State: VA

Complaint narrative:
My mortgage company Selene Finance been with them since XX/XX/2020 and did not receive a statement and they do not report my payments to the credit report. When I try to refinance my house banks could not find my payment history on the credit report and I do not have any statement to show them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I tried calling TransUnion today to get acces to their Mobil app from the XXXX XXXX XXXX XXXX so I could lock my credit file. There is no disclaimer in the XXXX XXXX saying I have to pay for this. I can log in on the website and lock my credit file fine. 

When I called support to discuss this the recording says it could be monitored for quality support. I advised that according to Colorado statute Im allowed to record the call as long as 1 party knew it was being recorded as A COURTESY. they disconnected me with out servicing my request. 

This is another example of corporations assuming they are not subject to local/federal law as and restrictions.

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 2022-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2021, I sent in a request for verification on the account : XXXX  On Credit Account Number : XXXX No verification documents were sent. 
On XX/XX/2021 I disputed the date of last active on Experian, XXXX, and XXXX. Again, no documentation was provided nor was a comment added on to my report stating this account was disputed. 
On XX/XX/2021, i sent another dispute letter stating i still had not recieved verification also they have not updated the comments stating i have been disputing this 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 2022-01-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rock Creek Capital, LLC
State: GA

Complaint narrative:
In XXXX I returned a vehicle that I was leasing for the purposes of driving for XXXX which was originally leased through XXXX XXXXXXXX XXXX later sold to a company named XXXX, the vehicle was returned to XXXX with no infraction to the contract, and no deficient balance. 

I have been registered at my previous address and at this address, I have not changed my phone number, I have not changed my name I have not changed any other identifying information and no debt of any sort has ever been communicated to me by either XXXX XXXX XXXX, XXXX, or Rock Creek capital LLC. I was notified by mail by XXXX  XXXX XXXX on XX/XX/XXXX, with a letter dated XX/XX/XXXX, regarding an alleged debt. I have reason to believe I do not owe this debt because I paid on time every month and I have never been contacted in any form by Rock Creek Capital , LLC or XXXX or XXXX XXXX about a balance. 

I verified my account was in good standing before and after closing the account with XXXX XXXX. 

I have never been contacted in any way by XXXX XXXXXXXX since closing the account. I verified that I did not infract any clause within the lease agreement before and after returning the vehicle, and I have had no collections activity reported on any of my credit reports since the account was verified closed in good standing in XXXX. 

I certified mailed a validation letter which was postmarked XX/XX/XXXX, and XXXX XXXXXXXX XXXX received it on XX/XX/XXXX. 

I did not receive a response until XX/XX/XXXX, with a settlement letter dated XX/XX/XXXX, from XXXX XXXXXXXX XXXX. XXXX  XXXX XXXX never validated the debt. 

I contacted XXXX at XXXX a number thats located on their website at XXXX XXXX XXXX XXXX said they do not have my records and that XXXX XXXX XXXX bought the company and I should contact them. I was given the following information https : //www.rockcreekcapitalllc.com/, XXXX XXXX or XXXX. Rock Creek Capital is not reachable, when you call it goes straight to voicemail and there is not an option for extension one or two. XXXX XXXX XXXX is attempting to comply with or appear that they are complying with the federal statute, but they are representing a company that has never contacted me, has never appeared on my credit report, and can not be called, and I have never been informed of any debt with the original Creditor " XXXX XXXX XXXX '', which was bought by XXXX. 

I have never been informed of a transfer of debt or existence of debt with any of the aforementioned companies, except the attempt at collections by XXXX XXXXXXXX XXXX. 

I have records of my original lease and all of the transactions from the original lease. So, I am asking to file this complaint against XXXX XXXX XXXX whom I believe is representing either a company or a debt or both falsely, or that they simply do not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
Paypal is trying to constantly charge me for things I hadn't even purchased. This is constant harassment. I tried calling them and they even laugh at me. 

PayPal *Thank you for order with PayPal* Hi, XXXX XXXX Your order has been successfully placed, the amount of {$420.00} USD will be debited soon. 

Support : XXXX XXXX XXXX XXXX Order Details : Date : XXXX, XXXX, XXXX Transaction ID : XXXX Payment method : Account Payment Product : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$420.00} USD Deliver To : XXXX XXXX XXXX, XXXX XXXX XXXX ID XXXX XXXX The charge on your statement will appear as " PayPal '' Inc. with XXXX to XXXX hours EST. 

Need support? For product use Helpline XXXX XXXX XXXX XXXX Disclaimer- PayPal is not responsible for promotions offered by third parties and you should read the Terms & Conditions relevant to any promotion at the merchants website. This email was sent to XXXX, because your email preferences are set to receive PayPal Partner/Third-party promotions. Please do not reply to this email. Unfortunately, we are unable to respond to inquiries sent to this address. For immediate answers to your questions, simply contact our Help Center by Helpline number. 

Copyright XXXX  PayPal. All rights reserved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Collection Agency LLC
State: NE

Complaint narrative:
XXXX XXXX XXXX assigned my medical debt to Collection Associates ( CA ) in XXXX of XXXX. In XX/XX/XXXX, I received a collections notice from CA stating that my debts had been assigned to them and that I needed to call them to make a payment arrangement. I promptly did so, requested more information including an itemized bill and a breakdown of total debts, since some of my medical debt hadn't been sent to collections and I was unsure of the sum total. Instead, the notice I had received only included small amounts with no indications of what they were in reference to, and no account number. They did not send an itemized bill with account information, nor did they provide a total summation of my debt or provide payment options in writing. I attempted to contact CA twice since then, and have not been able to get ahold of anyone because they do not have an answering machine, website, nor do they provide a means of leaving a message anywhere. The sum total of my debt is {$1700.00} ( as far as I know ) but I have only received notices for {$160.00} of that sum. Previously, XXXX had agreed to a payment arrangement with me because I had lost my job in XXXX of XXXX and they offered in late XXXX of XXXX to send me an application for assistance, which I only received in early XXXX ( due to relocating, the application arrived late ). The lack of transparency and dishonest practice is unjust, and their failure to adequately provide me the necessary information to reasonably settle or dispute the debt puts me in an unfair position. Without an itemized bill with relevant account information, a summary with the amount of total debt in collections, and adequate communications processes, it's impossible for me to exercise my rights. 

Separately, in XX/XX/XXXX I received an additional bill for services from XXXX. I promptly paid that debt in the amount of {$98.00} and the account balance was {$0.00}. In XX/XX/XXXX, I received a notification via email that I owed an additional {$18.00} from a service dated in XX/XX/XXXX. Because of the holidays I did not immediately respond and received a second bill on XX/XX/XXXX. On XX/XX/XXXX I received a notice of collections from CA in the amount of {$18.00}, which I find disturbing as I had previously believed my balance to be {$0.00} and believe that I should have been given more time to reply before the matter was referred to collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I was notified by the credit two different credit bureaus that my account had been closed, this was done without any notice or warning. Upon following up with Comenity Bank, I was told my card had not been used in six months and I was sent a letter on XX/XX/2022 that I still have not received .The representative stated the card COULD NOT be reopened. I am beginning to wonder if this is XXXX, I had an account closed by this same bank due to not using it, However, we were and still are in a pandemic. I think it should be fair practice you let the consumer know what's being done 30 days in advance. They don't know my financial situation just because the balance was XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
All three credit bureaus are showing wrong addresses My current addresses as of XX/XX/2022 are - ( XXXX ) XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX. No. XXXX, XXXX XXXX, CA XXXX My old address is ( XXXX ) XXXX XXXX XXXX, XXXX, CA XXXX My correct " and only '' phone number ( XXXX ) XXXX This address fiasco is not being corrected by Transunion, XXXX and XXXX .... causing me a lot of problems in opening an online savings 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 non-monetary relief
Consumer complaint received 2022-01-21 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: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
I received a credit inquiry on XXXX XXXX, 2021 from SANTANDER CONSUMER USA. I absolutely have no idea who this company is and why they are on my credit report. I have attempted to contacted them via mail on XX/XX/XXXX and XXXX XXXX, 2021. I have not received any response from this company as to who they are and why they thought it was acceptable to attempt to pull my credit or pull my credit. I DO NOT KNOW THIS COMPANY AND I DID NOT GIVE AUTHORIZATION OR PERMISSION TO PULL MY CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 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: CA

Complaint narrative:
I submitted a dispute with Equifax on XX/XX/XXXX as of today XX/XX/XXXX I have not received an answer at all. The USPS return receipt says they got the letter, According to FCRA they must remove the item on dispute because it went over the 30 days. Attach to my dispute Im providing you with the letter I sent them also Attach to this dispute a copy of my ID and SS card to prove my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
Bank of America is continually reporting inaccurate information to the 3 credit bureaus without providing sufficient information and validation of the alleged debt.

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 2022-01-21 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: TN

Complaint narrative:
Not so long ago I wrote a letter regarding accounts that I have disputed and can be found in my credit file that was incorrect and inaccurate, I am very upset that they are still showing in there. I do not validate that accounts and it is a violation of the US Code 1681 Accuracy and Fairness in Credit Reporting under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: MA

Complaint narrative:
Hi DISCOVER FINANCIAL SERVICES ; Im confused stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-21 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: U.S. BANCORP
State: OR

Complaint narrative:
US Bank has continually provided inaccurate information to the credit bureaus without providing sufficient validation regarding the alleged debt.

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