vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
ALL OF THE ABOVE- focus now is on old info that never goes away. 2- info that is reposted to make me look bad. further with statements of pure libel- that read " too many inquiries '', " massive delinquincy '' - make attempts to extort the consumer to no end. My ID was stolen- reported to USPS and XXXX sherrif , and XXXX FBI . No credit bureau will accept communications from these agencies- demanding I provide the internal case information. I don have access to FBI internal systems- or i would be investigating multiple leads right now, myself. 

When I moved here 6 mos ago- they read " data unavailable for new credit ''. Now they read worse then " serious delinquincy. '' I owe nobody. ALL ACCOUNTS ARE DISPUTED IN FULL- I have the right to not pay accounts and still have them removed. NO BUREAU HAS COMPLIED since initial proceedings over 12 mos ago- and when they comply its for 6 mos at a time- then the old info shows up again. 

The laws are rigged against the consumer to collect damages due. I should not be forced into payments for debts I can legally dispute in full, like a XXXX XXXX XXXX   that XXXX DID NOT and WILL NOT fix. XXXX refuses to collect the info from XXXX   XXXX XXXX who serviced the car, and refused to fix it. Then XXXX refused to remove the loan -or pickup the car. XXXX resells the data to itself under multiple trade names. 

A rising cr score indicates that not only are these account reports slanderous- but dated and resold. I can not establish new credit whatsoever due to this blasphemy being resold to merchants- but hidden from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 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: MD

Complaint narrative:
My XXXX XXXX XXXX XXXX account dropped off my Experian Credit reports at least 40 days ago. I just pulled a new Experian report this morning around XXXX XXXX and the XXXX accounts are showing up again.

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 2019-03-05 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: FL

Complaint narrative:
XXXX, Teans Union, XXXX and XXXX XXXX has cost me to lose 95 POINTS OFF MY CREDIT SCORES by publishing incorrect account balances and wrong status on my credit union visa account.  Other bank credit cards that I paid in full with XXXX balances and I cancelled the credit cards are reappearing after disputing with balances again!

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 2019-03-05 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: FL

Complaint narrative:
XXXX, XXXX XXXX, Experiann and XXXX XXXX has cost me to lose XXXX POINTS OFF MY CREDIT SCORES by publishing incorrect account balances and wrong status on my credit union visa account. Other bank credit cards that I paid in full with zero balances and I cancelled the credit cards are reappearing after disputing with balances again!

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 2019-03-05 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: Credit Karma, LLC
State: FL

Complaint narrative:
Credit Karma reporting is very irresponsible. They put items on my file without investigation. I never receive verification they contacted the companies who are actually reporting about my credit with them If they had, I would not see companies I paid in full and cancelled their credit cards appearing back in my file with balances. This type of lack of reporting accurately has cost me to lose XXXX points within the last 20 days and they need to be held accountable for their total disregard of repirting accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Lending Club Corp
State: FL

Complaint narrative:
I took out a debt consolidation loan in the amount of XXXX dollars from Lending Club Corporation, My payments are due in the amount of XXXX on the XXXX each month I used my Credit unions bill payer service to send my first pavement to be there on the XXXX the bank shows that the bank draft was mailed and sent there, however the lending club corporation says they did not get it, this is highly un likely as it was a bank draft sent directly to the company from my bank, I went ahead and put a stop payment on the check, and then sent another personal check overnight to the company and the United States Post office shows it was received and signed for by a representative of the company, The company is still showing they have not gotten my payment and is holding me as late grace period. I have called numerous times with no help from them whatsoever except they continue to suggest that I do automatic drafts from my checking account, I believe this company is practicing deceptive trade and credit reporting in an attempt to force consumers to allow them access to there personal checking accounts, as of writing this I am still in past due late status 24 hours after my payment was received

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax isnt updating correct information on all my accounts. XXXX and XXXX  has the correct balances. Since Equifax isnt updating my credit score is way lower than the other two. Equifax has numerous inquiries listed on my credit report that arent authorized by me. What is going on? Having negative information on my Equifax report is making it hard for me to figure out why its not updating on their end. Where all these inquiries coming from.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CREDIT WORLD SERVICES, INC.
State: KS

Complaint narrative:
I have been told since XX/XX/2018 that a collections debt on my XXXX  credit report would be removed and that it would take 30 days. Now 90 days later is remains on my XXXX report. I WANT IT REMOVED TODAY! I have talked with a manager with Credit World and still this is not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: GA

Complaint narrative:
XX/XX/2019 I went into PNC branch to dispute transactions on my account due to stolen bank information bank card and identify theft. I went over in detail from the printed statement and spoke to someone via phone while at the desk of banker all the transactions not authorized. From the theft of my PNC SmartAccess banking info, card and checking and routing number there were unauthorized charges. 
I advised all unauthorized events with date, time, and amounts. They began the dispute. 
The banker cancels and closed my bank card ending in XXXX and sent a new card to me. 

PNC Case # XXXX Total charges {$370.00} XX/XX/2019 I requested a provisional credit for the charges and have not received anything. 

XX/XX/2019 I initiated a call @ XXXX to speak with the dispute department because at this point no one called me or have I received letter of the dispute In mail. I asked the status of the dispute. Per the caller stated that they have determined that no error has occurred and Denied my dispute due to theft as a loss. 

XX/XX/2019 I stated this is unfair and to redispute this issue because as a consumer to a bank whom is insured FDIC am being failed by PNC. Stated that since a second redispute they will not offer provisional credit for for second disputes. I stated they never accommodated the initial dispute for provisional credit and they were rude. 

XX/XX/2019 I called and they denied my redispute. This now has placed a financial hardships and no resolution. PNC has not protected me or my money as a financial institution. I should not be at loss due to PNC feeling as their opinion not an error. Now I feel as though I am being discriminated and my rights are void. 

According to the policy PNC has {$0.00} member liability and 24/7 Fraud protection. 

I have been denied all of protection and policy and this is unfair and want to submit as a consumer. I have been with PNC for 4 years this is not protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
On XX/XX/XXXX I wrote a letter to XXXX XXXX XXXXXXXX XXXX, advising them that I was disputing an account # XXXX in which they claimed I owed {$650.00} to them. I requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local and state laws. The letter was mailed Certified Mail signature required Return Receipt. As of this date I have still not received any such validation : that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. On XXXX XXXX I pulled a copy of my credit report from XXXX with showed that the account had not been marked disputed by Midland Credit Management. On XXXX XXXX, XXXX I wrote another letter to Midland Credit Management advising them that I have retained new copies of my credit reports and noticed that they did not furnish the credit bureau ( XXXX ) with the required disclosure, within the period required by law. They are required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which they signed for on XX/XX/XXXX. I have retained a copy of their signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. I further reminded them that they may be liable for their willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. ( B ) Time of Notice ( B.I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). As they have violated federal law and state law, by not properly providing the credit bureaus with proper notice within the required time frame, and I have evidence of such, via certified mail receipts, they must now remove the item. On XX/XX/XXXX I once again pulled my XXXX  credit report and noted that they have not removed the invalidated file. See attached documents verifying the above statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I HAVE ALREADY HAVE MANY PROBLEMS WITH THIS BANK I MADE A PAYMENT OF {$1000.00} TO XXXX XXXX, BUT CITIBANK RETURNED THE PAYMENT WITHOUT MY AUTHORIZATION WHEN I REALIZED THIS CALL CITIBANK TO CANCEL WHICH OPEN DISPUTE IN MY NAME THE BANK CANCELED THE DISPUTE AND RETURNED THE FUNDS, BUT NOW XXXX XXXX DOES NOT RECEIVE THE ALREADY I PREVIOUSLY MADE A DISPUTE ON THIS INFORMATION AND CITIBANK ANSWERS THAT THE FUNDS HAVE XXXX XXXX SAYING THAT XXXX XXXX IS THE BANK OF XXXX XXXX BUT IT IS NOT TO ME I ALREADY CALL XXXX XXXX AND COMMENT XXXX FROM CITI BANK 'S RESPONSE BUT XXXX XXXX SAYS XXXX XXXX  IS NOT ITS BANK, XXXX XXXX SAYS THAT THE BANK OF THEM IS ( XXXX XXXX ) NOT XXXX XXXX TO WHICH CITIBANK DELIVERED THE FUNDS TO ANOTHER REMOVAL OBTAINED FROM THE SAME BANK CITI BANK ... AND THROUGH THIS PROBLEM AND RECEIVED CHARGES OF {$350.00} FOR PAYMENTS AFTERNOON AND FOR INTERESTS ..

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 2019-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAVALRY INVESTMENTS, LLC
State: CT

Complaint narrative:
IN 2013 I wasn't working and had no means of paying my debt. I could not make payments and XXXX refused to work with me. They said I had to pay the minimum. At this time I also had other debt that I was falling behind in. Therefore XXXX sold my information to Calvary SPV l.LLC who in turn hired attorneys to take me to court XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX UNITED STATES US. I did not receive a Certified Letter to let me know what was happening as they claim. Also XXXX refused to work with me. I could not afford the minimum and they offered no resolution, I was in dire straits. I'm XXXX years old and am still paying for debt that I had back then. I've worked hard to clean up my debt and this XXXX DEBT was from XXXX until it was sold to SPV l.LLC who again sending me amounts of payments which I could never afford. They destroyed what credit I have worked to improve and with my not having more years to work and will retire with nothing but Social Security as my main income, I am besides myself that now I am being sued by their attorneys.As I said there isn't a record of phone conversation to XXXX with me imploring them to be patient with me. There wasn't anything except monthly bills and a collection agency SPV l.LLC and now a law suit threatening me that they are bringing me to court and have a judgement against me for the amount of XXXX.I hope that the PREFERRED DIAMOND CARD by XXXX be investigated along with SPV l.LLC and a reminder to XXXX XXXX ATTORNEY I did not receive a certified letter. The Lawsuit was lying on the cement step of a front step which i hardly noticed. No signature required of accepting, just a flat envelope on an entrance I never use.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: SC

Complaint narrative:
My property is a townhome that was affected by a flood of the building and an insurance claim was filed in XXXX. The repairs were completed before the insurance check was even processed ( due to overwhelming amount of claims because of Hurricane Florence the same week. ) Check was mailed to mortgage company to sign and return in XXXX. They still will not release the funds, even after doing a full inspection to insure repairs we're completed. I want the {$14000.00} they owe us for this claim, as well as {$500.00} for the time this has take and {$240.00} for interest. It should not take 60 days to receive an insurance check to recoup our loss on this property. 

Its not right that even when a consumer does everything to bring the property back to better standards than before the claim, that the mortgage company can hold you by the throat and not release the claims. We will be suing the mortgage servicer if the interest and {$500.00} for our time is not paid in a timely manner.

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 2019-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
My home mortgage was sold by XXXX XXXX to XXXX XXXX. Since that time the company has changed its name twice. ( XXXX XXXX and now NewRez ) In XX/XX/2018 I paid my mortgage through XXXX XXXX 's online Banking program on XX/XX/2018. XXXX XXXX said they didn't get it. XXXX XXXX cancelled the payment and made a new one. They also sent a letter to XXXX XXXX saying it was not my fault. XXXX XXXX then sent a second notification when XXXX XXXX tried to assess me late charges. XXXX XXXX took off some of the charges but left on some charges and reported a late payment to the Credit Bureaus. As of XX/XX/XXXX, my credit report shows a late payment. 

In addition in XXXX,, on XX/XX/XXXX, XXXX XXXX said they had not received my payment for XXXX, although XXXX XXXX said it had gone out on XXXX XXXX not taking any further chances, I borrowed money and made another mortgage payment by phone. On XXXX, they acknowledged receiving the first payment as well as the second phone payment. 
I think there is something wrong with their whole payment system and they are using it to get late fees. I am FAIRLY SOPHISTICATED about finances but this is intolerable. I had no choice when XXXX XXXX sold my mortgage but I think they bear some responsibility for selling my mortgage to a XXXX   outfit, as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: TX

Complaint narrative:
Left XXXX XXXX for another electricity company. Initially, I did not pay my final bill on time. This was reported to a collection agency, whom I paid in XXXX of 2018. I have a screenshot of my credit report that shows that this was paid. The very next month, I got a letter from a different collection agency ( Mercantile ), and they were trying to collect {$58.00} on behalf of XXXX XXXX. They also put this amount on my credit report, and it doesn't belong there. I no longer owe XXXX XXXX any money, and I want the Mercantile {$58.00} debt fully erased from my credit reports. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 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: SC

Complaint narrative:
I disputed a collection on my reports from XXXX XXXX in the amount of XXXX. The company XXXX XXXX/XXXX XXXX XXXX sent back several documents that prove they can not provide me with actual ownership of the debt. 

I contacted XXXX XXXX and informed them that they breached their contract by sending this debt to a collection agency when I have rights to arbitration. The arbitration clause has been violated. I was informed to ask XXXX XXXX to provide a bill of sale or ownership sale of this account from XXXX XXXX to XXXX XXXX. I have not received that. What I received was a Promissory note from XXXX XXXX, where the arbitration clause is apparent and clear. Also I was provided an account Summary report created by XXXX XXXX XXXX. XXXX XXXX XXXX has NO legal right or authority to collect on this debt due to the arbitration clause of this contract. XXXX XXXX is in a direct violation of the FDCRA. This collection is still reporting on my credit reports. 
Also I have become aware of numerous class action lawsuits for this very same thing. 
I want this collection removed from my reports immediately. Please see the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: OK

Complaint narrative:
I HAVE DISPUTED THIS ACCOUNT AND YOU HAVE FAILED TO PROVIDE VALIDATION AS REQUIRE BY ( FDCPA ) SUB SECTION 809, WHICH REQUIRES YOU TO SEND A VALIDATION LETTER AND DOCUMENTATION TO SUPPORT YOUR CLAIM, ORIGANAL CREDITORS NAME, ADDRESS, AMOUNT CLAIM TO BE OWED AND SIGNED DOCUMENT, OR AGREEMENT, OR CONTRACT, I SEND THIS COMPLAINT WITH ATTACHED LETTER AS AGAIN ANOTHER DIRECT DISPUTE AND FINAL DISPUTE BEFORE FILLING SUIT.

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 2019-03-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: STERLING JEWELERS, INC.
State: ME

Complaint narrative:
I contacted company on or about XX/XX/2017, and explained I would be having difficulty making payments, as I was going through a life-altering medical event. Company agreed to suspend the account until I was able to make payments. Account was instead closed and placed into collections. Other companies I contacted, agreed to place their accounts into a " hardship status '' due to my medical situation.

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