vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
XXXX XXXX - XXXX - is reporting an erroneous old account on my credit report that should have never went to collections and it was paid before it was even sent to collections! ON my report it shows it was paid XX/XX/2016 and XXXX XXXX put it on credit XX/XX/2016 with no balance! What the heck! I have been disputing this with the bureaus and get no response! They are in violation and I have contacted my attorney.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 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: UT

Complaint narrative:
XXXX XXXX - XXXX - is reporting an erroneous old account on my credit report that should have never went to collections and it was paid before it was even sent to collections! ON my report it shows it was paid XX/XX/2016 and XXXX XXXX put it on credit XX/XX/2016 with no balance! What the heck! I have been disputing this with the bureaus and get no response! They are in violation and I have contacted my attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 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: The CBE Group, Inc.
State: UT

Complaint narrative:
CBE Group is reporting a debt on my credit file that I do not owe. I recently checked my credit file and noticed this debt, I called immediately and paid the debt off. I never received any phone calls, letters or notices about this debt and I'm pretty sure that violates my 30 day right to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
They called me everyday for months about a debt amount I do not agree with. They were calling me everyday. I tried to resolve the debt but told them I paid XXXX they do not have a record of. I refuse to pay bc of that. The calls were so bad I told them to stop calling me XX/XX/XXXX. I repeatedly blocked their number but they would call from different numbers. They called XX/XX/XXXX, XXXX, XXXX etc. They stopped calling for like 2 months. I just got another call from Portfolio Recovery today, XX/XX/2020 at XXXX. I can't take it anymore.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
On XX/XX/2020 I was in contact with attorney XXXX XXXX for 2 debts owed to portfolio recovery. I made an offer to settle the 2 accounts for less and they contacted Portfolio Recovery and the offers where accepted and agreed to remove the accounts. 
XXXX account had a balance of {$3100.00} and made offer to settle and remove for {$1500.00}. It was accepted and paid, was taken out of my bank account on XX/XX/2020. 
XXXX account was for {$800.00} and made offer to settle and remove for {$370.00}. It was accepted and paid out of bank account on XX/XX/2020. 
XXXX XXXX has provided me with letters saying both accounts have been settled and have a XXXX  balance on each. Portfolio recovery has gone and instead of zeroing out the balances and removing them they subtracted the money that I paid from the original balance and still say I owe them the rest they have repeatedly every month for XXXX and XXXX have the accounts still listed as being owed And showed no payments Have been made. 
I have also submitted the two letters from the attorneys office of XXXX XXXX showing I settled the 2 accounts held by portfolio recovery and instead of fixing the problem Portfolio Recovery wanted my banking account number and routing number to pay the remainder of the balance of that they claim I still owe them. 
Portfolio recovery also refuses to notify the original credit card companies that I settled the account which are still updated monthly showing charged off and no payment for each month. Which is still bringing down my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 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: ERC
State: UT

Complaint narrative:
Enhanced Recovery is reporting a debt on my credit fil that i do not owe. I recently checked my credit and noticed this debt. I called immediately and paid this debt off. I never received any calls, notices, or letters about this debt and that violates my 30 day right to dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-09 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Exeter Finance, LLC.
State: ME

Complaint narrative:
The original loan XXXX {$9500.00} and was taken out the end of XXXX. The insurance company sent you two checks, one for {$7400.00} and the second check was for {$1700.00}. These two checks total {$9300.00}. I also paid over 24 monthly payments On this loan. Where is all the overpayment money? Why did I receive several phone calls from a lady from your company requesting I pay her {$2000.00} over the phone or she would ruin my credit? I have the dates and times of phone calls. She said they never received a check from my insurance company but the insurance company provided XXXX  tracking information and a check cashing date. She would only describe the {$2000.00} as other This account was originally removed From my credit reports from my credit reports because of inaccurate information But she followed through with her threats and put it back on my credit report. I do have screenshots of my credit reports where my XXXX account was completely removed and then put back on my credit after her threatening phone calls using a start date XXXX instead of when the original auto loan was opened in XXXX. Also, not providing complete or accurate information when put back on my credit report. Please advise thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 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: CAVALRY INVESTMENTS, LLC
State: VA

Complaint narrative:
I am filing a complaint of non-compliance requesting validation, made pursuant to the Fair Debt Collection Practices and the Fair Credit Reporting Act, along with the corresponding local state laws. 
Please note that I am requesting VALIDATION ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay these companies : 1 ) CAVALRY PORT ( XXXX XXXX XXXX ) SEE ATTACHMENT 2 ) XXXX XXXX XXXX ( XXXX XXXX XXXX  ) SEE ATTACHMENT 3 ) XXXX XXXX XXXX XXXX XXXX XXXX ) SEE ATTACHMENT This month the FTC, and XXXX XXXX XXXX XXXX have announce Nationwide Crackdown on Abusive Debt Collection Companies. 
This is formal complaint that you have failed to provide me with copies of any viable evidence, bearing my signature to my dispute letter deposited by certified registered mail with USPS. ( have attached certified letters that were sent ). 
I have maintain careful records and for your benefit, and as a gesture of goodwill final attempt to have you clear up this matter. You have 15 days to cure. How are you guys reporting or verifying these accounts to the CRAs when it lacked underlying documentation. 
In 2000, the FTC held that the FCRA barred a debt buyer from " verifying a tradeline disputed by a consumer when it didn't posses the original documents. FTC allegations was that upon receiving a CDV form from a CRA that the debt buyer ( s ) and furnisher ( s ) they can not use the PCM for verification does not constitute an " investigation '' for purpose of section 1681s-2 ( b13 ), when a consumer disputes the accuracy of information reported by debt buyer ( s ) or furnisher ( s ), they should either verify the information with the original documents bearing a signature within the time period set forth in the FCRA or take all necessary steps to deleted the information from the files of all consumer reporting agencies to which the information was reported within 5 business days after receiving the consumer dispute, notify all consumer reporting agencies to which the information has been provided that the information is to be deleted from the file of the consumer who has disputed the account. 
Consent Decree Order, Section II. 
As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a print out of a bill or itemized document does not constitute verification. 
I am again formally requesting a copy of VERIFIABLE PROOF ( of original Consumer Contract with my Signature on it ) you have on file ( Section 609 ( a ) of the accounts listed on my original letter. If not you must remove the accounts listed above. These accounts have hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: UT

Complaint narrative:
I recently made a mortgage loan through XXXX XXXX XXXX, in Utah, USA. I've received a letter from PennyMac stating they had bought the mortgage servicing rights, and demanding payment. I am unfamiliar with this company. I called PennyMac requesting verification that they do in fact own the servicing rights, which they refused to provide. The letter sent does not include the required disclosures of 12 CFR Part 1026.39, specifically : 1. 1026.39 ( d ) ( 3 ) The name, address and telephone number of an agent or party authorized to receive notice of the right to rescind and resolve issues concerning the consumer 's payments on the loan. 

2. 1026.39 ( d ) ( 4 ) Where transfer of ownership of the debt to the covered person is or may be recorded in public records, or, alternatively, that the transfer of ownership has not been recorded in public records at the time the disclosure is provided. 

I have no way to verify whether this is legitimate or a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 00:00:00
Product: Payday loan, title loan, or personal loan — Pawn loan
Issue: Charged fees or interest you didn't expect — 
Company: Oasis Legal Finance Holding Company, LLC
State: IL

Complaint narrative:
On XXXX XXXX I applied for a settlement loan from Oasis Financial. It was all handled online and over the phone. They asked did I want to make payments or wait until my settlement came in to pay off the loan and I opted to wait until settlement. I did sign a contract saying I would pay back 36 % apr on {$5000.00} which at the end of period would be {$7100.00} at loan maturity. Never was I told that I would be charged 6 % interest monthly on this loan I did see a 3 % monthly accrual charge on deferred payments on principle which I was lead to believe would be $ XXXX on the {$5000.00} I borrowed and today a woman tells me its 6 % which is $ XXXX. I offered to pay the 3 % of {$150.00} a month to keep that charge from adding up until the end of my settlement agreement, but I was told I had to pay over {$2000.00} today then make monthly payments of close to {$300.00}. Which I explained Im being put on XXXX and can not afford that. I have no problem paying the original {$5000.00} plus the 36 % apr which over two years totals {$2000.00}. But I feel like they mislead and misrepresented their terms. Please let me know what I can do? I have emails and contract documents from online handling of my account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Hello, I opened a checking account with Citibank in XXXX because I received an offer for XXXX XXXX XXXX points if I met the following conditions : 1 ) spend XXXX dollars via this account in 60 days from opening 2 ) make at least one bill pay in consecutive months. 

During the 60 day window I had several chat sessions with Citi representative, which they should have on file, since these are archived, asking if I understood the requirements correctly to get the bonus. After the 60 day window, I was not awarded the bonus, so I reached out to customer service. They opened a dispute and the " Client Care '' team later told me I had not met the qualifications.

I reached out to customer service again and this time spoke with a supervisor. This supervisor and I walked through every single transaction to determine whether I had spent the XXXX from this account in the 60 day window as well as executed the bill pays. Supervisor XXXX said yes, I did. Supervisor XXXX said they would launch another dispute and not to worry, everything would get taken care of. 

After 10 days or so, I hadn't heard anything so I called back and asked to speak with a supervisor. I spoke with Supervisor XXXX. XXXX said that Supervisor XXXX never completed the dispute claim so no one was looking into it. Supervisor XXXX then reviewed every transaction in the 60 day window including the required bill pays. Supervisor XXXX confirmed, yes, I had met the requirements of the offer. Supervisor XXXX then agreed to file another dispute on my behalf including my thoughts that the company seems to actively be preventing me from receiving my bonus even while meeting the terms. 
I then received another letter from the " Client Care '' team describing the qualifications to receive the bonus and then go on to say that I hadn't met one of the requirements WITH DIFFERENT LANGUAGE THAN PRESENTED IN THE ORIGINAL QUALIFICATIONS. In their description of why I was not eligible to receive the bonus, they said I did not make 60 CONSECUTIVE DAYS of transactions which was not a TERM of the offer. 

Citibank is either extremely untalented in explaining their own TERMS of offers or engaging in dishonest behavior.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-09 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: TX

Complaint narrative:
I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX XXXX XXXX Inaccurate XXXX XXXX Inaccurate XXXX XXXX XXXX Inaccurate XXXX XXXX ( Original Creditor : XXXX ) XXXX Inaccurate XXXX XXXX XXXX XXXX Inaccurate DEPTEDXXXX XXXX Inaccurate I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? 
I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 
Thanks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 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: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I made a purchase from XXXX aroundXX/XX/XXXX, the Item was then cancelled and returned, contacting my local XXXX, they even confirm that the product has been returned, and Chase refuses to resolve. They accepted a delivery to the store as proof that I picked up, when the only thing that proves is the store received the product. Chase could have went into more detail and contacted the local store, or requested a receipt with my signature as proof but instead just sided with the merchant. 

There is still no proof I have received the product, and contacting the local XXXX they will confirm that the tires have never been picked up. 

The issue is mainly with XXXX, with Chase not doing their due diligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: PA

Complaint narrative:
Letter to an address dated XXXX XXXX, 2020 that is to be confidential due to XXXX notifying of the data breach as well as because if being victim of crime. I already reported XXXX XXXX XXXX now XXXX previously XXXX via FTC as well as CFPB. Now im reporting Weltman, Weinberg & Reis Co., LPA. I wrote then stating I'm unemployed that my data was breached and debt not mine when I was at XXXX XXXX XXXX also noted that had my house not been robbed of XXXX and id received the money that I reported which that company is to request video surveillance from police car at XXXX XXXX where I stated I was robbed. I'm already part of the XXXX lawsuit from the data breach and reported to XXXX XXXX and XXXX and some of them still didn't correct and has my last name as XXXX and I repeatedly wrote them of error. I've setup something to stop data breaches and apparently XXXX XXXX is in training on Cybersecurity which is all over the Department of Justice site which ive also written.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 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: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
I am filing a complaint of non-compliance requesting validation, made pursuant to the Fair Debt Collection Practices and the Fair Credit Reporting Act, along with the corresponding local state laws. 
Please note that I am requesting VALIDATION ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay these companies : 1 ) LVNV FUNDING ( XXXX XXXX ) SEE ATTACHMENT 2 ) XXXX XXXX ( XXXX XXXX ) SEE ATTACHMENT 3 ) XXXX XXXX XXXX XXXX XXXX XXXX SEE ATTACHMENT This month the FTC, and Federal Law Enforcement Partners have  announce Nationwide Crackdown on Abusive Debt Collection Companies. 
This is formal complaint that you have failed to provide me with copies of any viable evidence, bearing my signature to my dispute letter deposited by certified registered mail with USPS. ( have attached certified letters that were sent ). 
I have maintain careful records and for your benefit, and as a gesture of goodwill final attempt to have you clear up this matter. You have 15 days to cure. How are you guys reporting or verifying these accounts to the CRAs when it lacked underlying documentation. 
In 2000, the FTC held that the FCRA barred a debt buyer from " verifying a tradeline disputed by a consumer when it didn't posses the original documents. FTC allegations was that upon receiving a CDV form from a CRA that the debt buyer ( s ) and furnisher ( s ) they can not use the PCM for verification does not constitute an " investigation '' for purpose of section 1681s-2 ( b13 ), when a consumer disputes the accuracy of information reported by debt buyer ( s ) or furnisher ( s ), they should either verify the information with the original documents  bearing a signature within the time period set forth in the FCRA or take all necessary steps to deleted the information from the files of all consumer reporting agencies to which the information was reported within 5 business days after receiving the consumer dispute, notify all consumer reporting agencies to which the information has been provided that the information is to be deleted from the file of the consumer who has disputed the account.

Consent Decree Order, Section II. 
As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a print out of a bill or itemized document does not constitute verification. 
I am again formally requesting a copy of VERIFIABLE PROOF ( of original Consumer Contract with my Signature on it ) you have on file ( Section 609 ( a ) of the accounts listed on my original letter. If not you must remove the accounts listed above. These accounts have hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 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: LoanCare, LLC
State: MO

Complaint narrative:
In XXXX, I requested and was granted forbearance on my mortgage loan with Loan Care. Over the next several months, I received statements indicating that I was enrolled in the forbearance plan. Additionally, I received multiple e-mails informing me about the forbearance plan. 

After a recent credit report was pulled, it was discovered that the company reported my mortgage as delinquent for 60 or more days. That is inaccurate as I was enrolled in the forbearance plan. Disclosures state that there would be no foreclosure or negative impact to credit reporting agencies during period of forbearance. 

This is not the case and the loan company is unable to be reached via telephone to discuss this matter. It is simply a 1-800 number that is voice automated to answer a series of generic Q & A.

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