vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-06 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: MI

Complaint narrative:
Since XX/XX/XXXX I've consistently with both the Company & Experian tried to dispute the continuous inaccuries that appear monthly on my credit report. 
I've called and had them served by Certified Letter in regards to them not including my monthly payment amounts as agreed upon with the Magistrate and also the amount that I have paid weekly or monthly in total since they only report once. 

It shows up as XXXX Dollars paid & doesnt show the Monthly agreed upon amount as recorded by the courts. This has tarnished and damage my reputation in regards to being able to obtain credit. Experian just told me today XX/XX/XXXX that they have not not tried to verify any of my inaccuracy claims since XX/XX/XXXX from the data furnisher. I've paid consistently on time and ahead as indicated by the reports showing one month behind which is only due to covid and a delay in my unemployment payments. This in my opinion is not a difficult request and it is also mandated by federal law. The XXXX XXXX XXXX XXXX & Experian has failed & refused to honor my Request My Rights Under the Fair Credit Reporting Act : 1. ) You have a right to dispute incomplete or inaccurate information in your report. 
2. ) Credit reporting agencies are obliged to correct or delete inaccurate, incomplete or unverifiable information.

3. ) Reporting agencies must not disseminate outdated negative information. 

I recently had a XXXX  which completely wiped my family out XX/XX/XXXX & The Pandemic hit less than 3 weeks later this disparity economically devastated us as I looked for permanent shelter. Of course due to state mandated lockdowns I've been unable to reach someone or visit the courts, therefore I send Certified Mail of this violation of my federal rights under the FCRA. I am at wits end over this and frustrated beyond belief. I cant show a lender what is required and agreed upon by law and whats been paid on a week by week or monthly basis. 

News Store over our fire ( XXXX XXXX XXXX ) This can no longer continue either they must report accurately under the guidelines or delete the inaccurate entries at once.At this point I would like for it to be deleted altogether because they have show to be incapable of doing the right thing in regard to furnishing adequate information in a timely & responsible 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 2021-04-06 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: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
On XX/XX/2020 I purchased online from XXXX on her XXXX page a full body silicone doll for {$2500.00}. XXXX XXXX is a world known XXXX XXXX and when she asked me to use PayPal credit family and friends through Synchrony Bank I saw no reason to question this, but unfortunately I found out this person is a imposter and their is no doll. 
I filed a complaint with Synchrony Bank and my case was denied sighting the reason is that I entered into this binding agreement. On XX/XX/2020 I appealed this decision and provided proof and was again denied for the same reason. I thought I was buying from XXXX XXXX why would I buy something from an imposter. This person has pretended to be PayPal in a email to me to intimidate me and has contacted me pretending to be other people. I have not received any doll.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
Medical bill after auto accident XX/XX/2021. Covered by at fault partys auto insurance when an itemized bill is provided detailing service, date of service, and cost. Neither the originating company nor the debt collection company did so after multiple requests. 

After over 2 years of no communication item was added to my XXXX credit report as in collections. 

I filed multiple disputes and added as much supporting information to prove this bill was not my responsibility. I finally recieved the itemized bill and am working with the at fault insurance company toward resolution.

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 2021-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
Portfolio Recovery Associates has used abusive and illegal collections tactics to collect a debt they can not verify with any documents. There is no contract or record of me signing anything. Portfolio Recovery Associates are reporting I owe them a debt of {$480.00} that has fluctuated in the past. The credit reporting agencies have no record of payment history, date of last payment, date of last activity or any information other than collection opened XX/XX/2018. That date has also changed in an attempt to re-age and extend the time they can report their false claims. Portfolio Recovery has broken the law and violated my rights.. Portfolio recovery has violated my right to choose how I would like to be contacted and violating FDCPA 806. Harassment or abuse.There is no date of last payment or last activity or any information linking me to a debt other than dates that constantly change. This is a violation of FDCPA 807. False or misleading representations and 605c .Running of Reporting Period :. Despite several attempts of reporting these violations to the 3 major credit bureaus. Nothing was done to preserve my rights. XXXX seems to have closed the account, but has not deleted as I requested. XXXX and XXXX are reporting the account in collections despit not having any supporting documents, payment history, signature or contract. I request that this account to immediately be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-06 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

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 2021-04-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
On XXXX the owner and I, co-owner, made an accidental payment to our county taxesmistaking it was the ones we had to pay. We are new homeowners and we made a mistake. 

Between XX/XX/XXXX -XX/XX/XXXX, weve spent countless hours with Lakeview Loan Servicing trying to get our refund. Our county had sent out a check to our lender in which our refund is included. The refund from the county is supposed to fall in out Escrow account in which we were told by an agent XX/XX/XXXX to submit a bank statement where it shows that the payment was taken out. I sent that immediately over with the details of the check number the county provided and the date that they sent that check over to this Mortgage Lender. 

I followed up on XX/XX/XXXX an agent told me that there was no such thing of them doing that! Seriously?! Almost every agent I spoke to contradicts themself, the company refund procedures, etc. Mind you, I spend a good hour of waiting to speak to someone, who then transfers me to someone else that takes an additional 30 minutes or hour again. The agent that I spoke to on XX/XX/XXXX referred me to speak to the county again and confirm everything again. Theres nothing else they can do as they gave me proof of payment on their end. I got transferred to a manager that ended up getting me transferred back to an agent who couldnt help me and gave me the run around again. 

Ive been waiting since XX/XX/XXXX to get my refund. Still, nothing. I want answers, professional assistance and to finally have my refund.

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 2021-04-06 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: TX

Complaint narrative:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX Mo XXXX XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Bank of America closed my account yesterday morning without any written or verbal notice to me, they refuse to give me my money they wont tell me how long it will take to close my account they refuse to tell me why my account is being closed and they refuse to give me my money I have XXXX $ in my bank and they wont let me pick it up at all. Its a worldwide pandemic and I need to be able to pay my rent and feed my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I've had an Amazon Prime CC through JPMorgan Chase Bank, N. A. for years. 

Chase emailed me an offer to open a checking and savings account with a {$500.00} dollar incentive so I thought I'd try them out. 

I open both accounts online through my online access with the CC  I had with them. 

I was told that in order to install their Mobile App I had to have either a debit or ATM card so I ordered an ATM card. 

ATM card arrived in the mail with no PIN and no instructions to active. 

I went online and chose a PIN. 

I transferred funds from my XXXX XXXX XXXX online savings account to avoid any fees. 

I received notice that the transfer was successful from XXXX XXXX XXXX. 

When with the Chase User ID and my account is locked out for suspicous activity. And I've called, and and I've visited their branch and they have no way to make an appointment without me logging in online. 

XXXX XXXX they had 2 bankers and 20 minutes later they said they have no appoints available today but I could drive to another city to prove who I am. 

Talk online and they are unable to send me a text to verify who I am and can not make me an appointment to visit a branch either. 

At this point I consider my XXXX stolen and will have to file a police report document the XXXX dollars and the facts and they will deal with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I found out that there was a fraudulent account opened in my name through Barclays Bank Delaware on XX/XX/2020 in the amount of {$8200.00}. This account was not opened by me and I did not make any of the purchases. My spouse opened several credit cards in my name amounting to debt of {$21000.00}. When I discovered these accounts I called each credit card company and also filed a police report. I have been trying to get this resolved with Barclays Bank since last XXXX and I keep getting the run around from this company. My credit score has dropped almost 200 points because this account is showing delinquent on my credit report. Once I filed for divorce XXXX XXXX stopped paying for the credit cards he opened without my knowledge. Barclays is not addressing the problem or investigating the problem and it is ruining my credit. I have given them the police report details and everything I know regarding the identity theft, I am not sure what else to do every time I call I am on hold for 30 mins to an hour and transferred to various departments, but never get a straight answer or any real help with the matter.

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 2021-04-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I like to file a dispute for unidentified fraudulent items on my credit report for the following : XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX I have filed an Identity Theft Report with the FTC. The report number XXXX and I have attached a copy of the ID Theft Report with this complaint. Please review.

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 2021-04-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NE

Complaint narrative:
I HAVE FILED NUMEROUS COMPLAINTS AGAINST BANK OF AMERICA USING PRADATORY LOAN TACTICS AND YOU ( CFPB ) CONTINUE TO DO NOTHING!!! ABSOLUTELY NOTHING!!! THERE HAS GOT TO BE SOMETHING YOU PEOPLE CAN DO, I MEAN YOU'RE PAID BY THE GOVERNMENT TO SIT IN YOUR OFFICES AND DO WHAT EXACTLY??? TO BE A MESSENGER AND TAKE IT OUT OF TAX PAYER 'S WALLETS??? WHAT EXACTLY IS YOUR PURPOSE BECAUSE I AM NOT GETTING ANY CHANGE FROM BANK OF AMERICA!?! 
NO BECAUSE THEY ARE CONTINUALLY LYING LYING LYING AND CONTINUE PRACTICING THEIR PRADATORY LOAN TACTICS AND YOU ( CFPB ) ACTUALLY BELIEVES THEM WOW!!! 
THE COMPANY 'S " RESPONSE '' IS THE SAME BS THEY'VE BEEN TELLING ME FOR YEARS!!! THAT THEY ARE WORKING ON IT AND/OR HAVE " RESOLVED '' IT AND/OR TO CALL THEM ( WHICH THEY NEVER NEVER NEVER ANSWER THEIR PHONES!!! ) I HAVE BEEN TRYING TO CALL THEM FOR YEARS NOW SINCE THEY STOPPED TAKING PAYMENT OVER THE PHONE AND THEY " USED '' TO GIVE ME A CONFIRMATION NUMBER AND HAVE NOT DONE THIS IN YEARS!!! SO NO THEY HAVE NOT RESOLVED NOTHING!!!

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 2021-04-06 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: FL

Complaint narrative:
On XX/XX/2020 I went into a XXXX Bank located in XXXX, Florida to inquiry about the Forberance on my loan due to significant hours decreased at work due to the pandemic. The bank was unable to assist me at that time so I was given the phone number to contact to put the forbearance on my loan. 

I called the number while sitting in the lobby and was connected with someone to help with adding the forbearance on my loan. I was told the forbearance was approved and I did not need to worry about any negative reporting on my credit report. 

My loan was sold to XXXX XXXX XXXX  in XXXX of XXXX  and at the time I pulled my credit report and noticed that XXXX had been reporting my account negative even for the month that I did not have my account with them. I have called multiple times and each time I am told that XXXX has not reported my account late at all. This is incorrect. They have been reporting my account late from XX/XX/2020 until now. I really need this to be corrected. 

I have been offered a job and due to them reporting these incorrect late notices on my credit report it is causing a delay with me getting this federal job.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
I took the no penalty forbearance offered by Mr Cooper regarding my loan XXXX during a year 's time due to Covid etc. At the time I was told I'd have an opportunity to discuss the payback options. As of XXXX, my year was up and it was time to make a decision, however I seemed forced in to a loan modification which added to the principal. I actually do not know what happened and that's the issue. I email Mr Cooper from my portal and ask for details regarding the loan mod. I'd like to know if any terms were changed and if so, what, and to ensure it's correct for me, but nobody replies to my email.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Transunion credit bureau has old incorrect information on my credit report stating that I have a negative derogatory account withXXXX XXXX XXXX XXXX. The account with XXXX is no longer in derogatory status and I do not owe the current loan amount.

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 2021-04-06 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: WA

Complaint narrative:
XXXX XXXX Case Number : XXXX RE : DISPUTE AMOUNT OF DEBT {$9600.00} Dear Jefferson Capital SystemXXXX XXXX XXXX XXXX XXXX We are notifying you within 30 days after receiving this notice on XX/XX/XXXX that we dispute the validity of this debt or any portion thereof. We have included documentation of payment history from the Trustee, and a cashier check for the balance. See Attached. 

On XX/XX/XXXX we purchased a cashier check from XXXX XXXX  for {$3100.00} to XXXX XXXX XXXX. and sent it by US Mail Certified Mail Receipt to the address above. Account # XXXX XXXX. According to XXXX XXXX the cashier check for {$3100.00} was CHASHED ON XX/XX/XXXX. XXXX XXXX XXXX Cashed our final payment of {$3100.00} and SOLD the loan to Jefferson Capital System on XX/XX/XXXX a month later. 
SEE ATTACHED. 
According to the Tracking number XXXX XXXX XXXX XXXX XXXX the Cashier Check was received by XXXX XXXX XXXX on XX/XX/XXXX and was signed for. We spoke to several customer service representatives, prior to selling our loan to Jefferson Capital System. We need you to investigate the misappropriation of our funds that should have paid off our loan in full. We want the Title of our XXXX XXXX XXXX sent to the above address. If we dont hear from you in a timely manner we will file a claim with the Consumer Financial Protection Bureau FRAUD DEPT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: U.S. BANCORP
State: KY

Complaint narrative:
I deposited a government stimulus check into a US Bank atm in the amount of {$2800.00}. US Bank rejected the deposit. The check was in my and my wife 's name. I called US Bank, and they said because my wife wasn't on the bank account that they rejected the deposit. I have never had that issue before with any other bank. US Bank is engaging in unfair and discriminatory banking practices. I want US Bank to honor the check of {$2800.00} as it is from the US Government. I am attaching my wife 's ID card. Please honor the check.

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 2021-04-06 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: IL

Complaint narrative:
i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX, XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 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: LEXISNEXIS
State: FL

Complaint narrative:
I was turned down for my mortgage because LexisNexis states I am deceased. I am a 100 % service connected XXXX XXXX Veteran so I am old but definitely not dead. They refused to remove the information.

Company response to consumer: Closed with explanation