vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
This company was contacted 3 times in writing advising that I am disputing and requesting validation of the debt. I have also disputed on my credit report several times as well. I do not recognize this company or the debt being reported to my credit. 

I have never received an initial notification from this company advising me of the debt they claim I owe or providing me my right to dispute/request validation. This account was discovered after me taking initiative to pull my credit report. 

This company has not responded in 7 months. They are ignoring my written correspondence and request for validation. They are updating my credit report disputes as " verified as reported '' but have not complied with the FCRA by sending me proof of the debt. This is illegal and unethical. I believe they should be investigated as there may be many more people affected by the illegal practices. I intend to also file an attorney general complaint as well as a XXXX  complaint. I will also be seeking legal action against this company for failure to adhere to the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
I am trying to get my mortgage loan statement rectified. I have been dealing with this for six months, The company stated that I was short on my payments when in fact I was one payment ahead of schedule. They adjusted my payment receipt schedule and I feel it still not accurate as of XX/XX/19. They told me my payments were up to date but I feel the adjustments they made on the loan activity statement are incorrect. I have spoken to several agents of their organization and just can't seem to get them to understand the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 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: TX

Complaint narrative:
Experian under the FCRA you are in violation of reporting accounts not owned by companies you state on credit report XXXX date XX/XX/2019 a clear violation and credit manipulation. I am reporting this through the CFPB so that I get a response to these accounts if not removed then legal action will take place for damages mental distress lose of business do to your reporting please take care of this enclosed letter at once thank you

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 2019-06-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
XX/XX/2019 I comfortably began the home buying process, knowing that I hadn't used my credit in quite some time. I was upset and shocked to have learned that it had been used recently. One of the accounts listed said, " Portfolio Recovery '' for a XXXX XXXXXXXX credit card. I've yet to bank with XXXX XXXX. This has been a nightmare going back and forth with them and at this point, I'm over it. I will go the full mile until this is removed from my credit report. It really XXXX that collection agencies treat people this way. I've been ignored since early XX/XX/XXXX. I have sent two letters thus far, no response. I called XXXX XXXX personally to get information regarding the account as well. They couldn't help me because I couldn't verify any of the account information outside of my social ( account security questions, etc. ). I informed them, how could I? I never opened the account, to begin with!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SUNTRUST BANKS, INC.
State: TN

Complaint narrative:
On XX/XX/XXXX, I saw thousands and thousands of dollars going out o my checking and savings account. I called them. They told me to call the fraud dpt. I did. They kept letting it happen, and, {$13000.00} later, I have just over {$100.00} left. They will not return phone calls, they will not put the $ back, and in fact, now they're charging me for my balance being so low ... even though they're the ones that let that happen. I make special note this is the second time they've allowed this to happen ... I filed a complaint with you guys a few months ago for the same thing ... and about a month later, they finally put the $ back. Problem is ... this time it's all my , I have nothing left, having to borrow from family just to go to the grocery store.

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 2019-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I pulled my credit report and noticed 3 inaccurate collections reported. These 3 collections does not have a creditor attached to them to clarify. Which is illegal to add any collections without Accurate and all information attached to it. I am assuming it is medical  collections, which was disputed over a year ago and removed. These collections was understood not to report again after being removed. Equifax is known to remove items and put them back and they are also known for continued system failures. Which cause the consumer to constantly having to check behind them versus them going back to see what malfunctioned and fixing the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 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: AL

Complaint narrative:
I have disputed Us Dept of Ed/XXXX XXXX and collection services on all 3 credit bureaus for inaccurate reporting of information not only on high credit limit and inaccurate account history, which all comes back " verified ''. Method of verification letters were mailed and received by not only Equifax but XXXX as well, receipts are provided. Yet all that this did was create disputes which were not what was requested and information that they have was not sent to me about how they verified this information. I have one specific account reporting an inaccurate account high credit limit from XX/XX/XXXX. On Equifax account history is inaccurate showing a past due balance of {$1.00} on all 4 accounts. On XXXX  the same account dated XX/XX/XXXX is reporting an incorrect high balance. On XXXX the same account is once again reporting an incorrect high balance and all 4 accounts are showing as failed to pay in XX/XX/XXXX in the account history but these were paid and closed in XX/XX/XXXX via consolidation. Each credit bureau also has different date of first delienquency information from the original creditor XXXX XXXX which has since been deleted for inaccuracies, these accounts should be deleted as well. I am not sure how they are verifying inaccurate information that is proven based on FAFSA and NSLDS database concerning student loans. Each loan was paid XX/XX/XXXX with a {$0.00} outstanding balance and interest. NSLDS also shows the accurate amount borrowed and proves the inaccuracy of the high credit limit on the one account that I have tried to have corrected. Since these inaccuracies have failed to be accurately verfied based on information I have sent and proven. These should be removed as they are in violation of inaccurate credit reporting and inaccuracies disputed should be updated to accurate account information or deleted if information can't be verified as accurate, which it is not across all 3 credit bureaus. This information has failed to update the first time and I entitled to fair credit reporting and accurate information, if that information isn't accurate and/or updated then it should be deleted. For each bureau dispute numbers are the following : Equifax : XXXX XXXX   : file number XXXX report date XX/XX/XXXX XXXX : XXXX Attached files are the following : 1 ) NSLDS about account in question with inaccurate high credit also shows that account was paid in XXXX and XXXX reporting is inaccurate 2 ) Receipts to Equifax and XXXX 3 ) FAFSA information with original credit limit. 
Report numbers with disputes in question 4 ) Original copies of method of verification letters mailed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 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: AL

Complaint narrative:
I have disputed Us Dept of Ed/XXXX XXXX and collection services on all 3 credit bureaus for inaccurate reporting of information not only on high credit limit and inaccurate account history, which all comes back " verified ''. Method of verification letters were mailed and received by not only XXXX  but Experian as well, receipts are provided. Yet all that this did was create disputes which were not what was requested and information that they have was not sent to me about how they verified this information. I have one specific account reporting an inaccurate account high credit limit from XX/XX/XXXX. On XXXX   account history is inaccurate showing a past due balance of {$1.00} on all 4 accounts. On XXXX the same account dated XX/XX/XXXX is reporting an incorrect high balance. On Experian the same account is once again reporting an incorrect high balance and all 4 accounts are showing as failed to pay in XX/XX/XXXX in the account history but these were paid and closed in XX/XX/XXXX via consolidation. Each credit bureau also has different date of first delienquency information from the original creditor XXXX XXXX which has since been deleted for inaccuracies, these accounts should be deleted as well. I am not sure how they are verifying inaccurate information that is proven based on FAFSA and NSLDS database concerning student loans. Each loan was paid XX/XX/XXXX with a {$0.00} outstanding balance and interest. NSLDS also shows the accurate amount borrowed and proves the inaccuracy of the high credit limit on the one account that I have tried to have corrected. Since these inaccuracies have failed to be accurately verfied based on information I have sent and proven. These should be removed as they are in violation of inaccurate credit reporting and inaccuracies disputed should be updated to accurate account information or deleted if information can't be verified as accurate, which it is not across all 3 credit bureaus. This information has failed to update the first time and I entitled to fair credit reporting and accurate information, if that information isn't accurate and/or updated then it should be deleted. For each bureau dispute numbers are the following : XXXX : XXXX XXXX : file number XXXX report date XX/XX/XXXX Experian : XXXX Attached files are the following : 1 ) NSLDS about account in question with inaccurate high credit also shows that account was paid in XXXX and XXXX reporting is inaccurate 2 ) Receipts to XXXX and Experian 3 ) FAFSA information with original credit limit.

Report numbers with disputes in question 4 ) Original copies of method of verification letters mailed

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 2019-06-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Please remove the following fraudulent inquiries from my credit report XXXX XXXX XXXX XX/XX/2018

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 2019-06-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
On XX/XX/19 I sent a certified letter to Southwest Credit requesting proof of debt validation. The alleged amount owed is questionable because of the dates of service listed on the bill. Southwest Credit responded to my request by sending a bill summary. On XX/XX/19 I sent a 2nd certified letter requesting additional information due to the debt collectors failure to provide me with proof of proper debt validation per FDCPA. Again, Southwest Credit sent me a bill summary. Southwest Credit is in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Problem 1. Customer service people dragged me for six months and literally kept passing the call to someone who does not have access to look at my bank statements.

Problem 2. Data Breach Privacy Problem 1. Customer service people dragged me for six months and literally kept passing the call to someone who does not have access to look at my bank statements. 
I spent lot of my times in explaining over the phone to Customer service people and they were just forwarded my call to their colleague saying their supervisor and manger but they are not. 
They dragged me for 6 months, their negligence and poor customer service caused me to undergone severe stress and mental agony. I need a compensation for the time which I spent to recover my money back from Chase. Because of their worst service which dragged me till 6 months to claim my money. 
I want a compensation for my 6 months time which I spent with chase. 

Chase Customer Service is very bad and Data Privacy policies should revisit and their system validation process to correct and enact with privacy guidelines. Process and maintain customer data in secured manner not just share to someone else who doesn't relate to the transaction. 

Problem 2 : Data Privacy breach I XXXX XXXX deposited a XXXX XXXX XXXX Check into my Chase account for realization on XX/XX/2018. That deposited check got returned saying " Duplicate Presentment '' But when I looked at the returned notification letter where there was an attached copy of check which is not the one I submitted for realization. ( That check belongs to someone else not mine ) Check number, Date are identical. Only the amount {$400.00} and first 5 letter of first name is similar but not the last name. 
My concern and worry about my data might have shared with someone like I received of somebody else check and details. It's a Customer Data Privacy policy breach because of their negligence of their processing systems fail to comply with privacy policies and mainly their customer service caused me to undergo lot of stress due course. 

I can provide more details if needed with all documents. Please feel free to reach me at XXXX XXXX XXXX and my email Address. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
There are two accounts on my report in collections that do not belong to me. They are XXXX and XXXX and Resurgent Cap Services. I have never had car insurance with XXXX and I have not ever had a XXXX XXXX account. Not only that but they were reporting these accounts on my credit report multiple times with different companies which is illegal. I need you to please help me get this removed. This is fraud. I have attached my police report as well. I look forward to this being resolved asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 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: CA

Complaint narrative:
After months of trying to rectify the problem with XXXX XXXX regarding an authorized charges and their XXXX XXXX my request and explanation of what was going on as a victim of identity theft. After submitting two separate FTC reports regarding the matter not only for the credit card itself but where the payment was coming from for that credit card I was told by XXXX XXXX that I could not dispute the charges even though I already had and they somehow went ignored but rather that the card was now closed and I am forced to pay whether they are an authorized or not. They did not care about the CFPB report from you guys or the FTC report when I called as recent as last evening.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pendrick Capital Partners Holding, LLC
State: TX

Complaint narrative:
Yesterday a significant negative report was made on my credit report by someone called XXXX XXXX. Upon investigation, I was told today that they bought an alleged debt from Kendrick Capital Resources. Neither company has any backup for the debt, can not tell me where it came from or what it was for.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
In XX/XX/XXXX, I pulled my credit and discovered a tradeline for LVNV Funding LLC/Resurgent Capital Services for an account I do not recognize. I immediately contacted this company in writing and advised I am disputing this debt and they need to provide me with validation of the debt. They failed to respond. I pulled my credit again in XX/XX/XXXX and their tradeline is still there. I contacted them again in writing demanding they delete their tradeline and cease collection activity due to them not providing validation within the 30 day time frame they had from the initial correspondence I sent to them. They have not responded. 

They did however respond my credit bureau dispute as " verified as reported ''. How can they legally claim this is verified to the credit reporting agencies, but they have ignored my request for validation for the past 7 months? They are required to provide me with proof of this debt by law upon receiving written request within a reasonable time frame or they no longer have a right to report this or collect on it. 

This company has never sent me a notification advising of this debt and has never provided me with my right to dispute/validate. This company is in violation of the FDCPA and the FCRA. They need to be investigated. I will also be filing a XXXX and attorney general complaint as well as seeking legal action for their unethical business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have a credit card bill on my Equifax credit report from XXXX and I have never had a XXXX account. When I contacted the number that appears in my credit credit for XXXX XXXX I gave the customer service rep my information ( ssn ) and she was not able to pull any information under my social security number. However, Equifax is reporting this on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 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: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
There are two accounts on my report in collections that do not belong to me. They are Caine and Werner and XXXX XXXX XXXX. I have never had car insurance with XXXX and I have not ever had a XXXX XXXX account. Not only that but they were reporting these accounts on my credit report multiple times with different companies which is illegal. I need you to please help me get this removed. This is fraud. I have attached my police report as well. I look forward to this being resolved asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
in late XXXX I mailed a check to my mortgage company. It was stolen out of the mailbox or out of the mail service. About XX/XX/XXXX, someone attempted to cash a modified version of the check. BofA and I closed the checking account and opened a new one. 
On XX/XX/XXXX I visited the local bank because my SS was deposited in the old account. We transfered the money to my new account. I have printout that shows I had a balance of {$5900.00} that morning. Sometime that morning B of A froze my account because of " suspicious activity ''. I was left with {$4.00} in my pocket and online automatic payments scheduled. I suffered {$140.00} in penalties in NSF charges because of their actions. 
The suspicious activity was a $ XXXX.+ check that my business partner attempted to deposit in my account. The check was drawn on a bank in Missouri and made out in her name. She modified the check, which made it an improper instrument, not an illegal one. The bank had every right to refuse to process the check. 
B of A made no attempt to notify me of the issue and capriciously and arbitrarily close the account. 
I received a statement XX/XX/XXXX that evidently is my closing statement. It shows on page 1 of 6 in the  summary an amount of {$8400.00} as other subtractions. This is broken down on page 4 of 6, It shows an item RETURN ITEM CHARGEBACK {$2000.00} and another item as ACCOUNT CLOSING TRANSACTION {$4300.00}. 
B of A does furnish an explanation of these charges. I find it difficult to believe that I can be charged {$6300.00} to close an account. I would appreciate an explanation why my money can not be returned to me.

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