vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-02 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: MN

Complaint narrative:
In XXXX of 2020 I was accepted into a property tax deferral program offered by the Mn Dept of Revenue. I am to pay a portion of my taxes and Revenue loans me the money for the rest. I sent my paperwork several times but here it is XXXX and XXXX XXXX  still cant get it corrected. I also sent them via a certified letter that I no longer wanted to escrow my taxes and insurance. I owe about XXXX thou on a XXXX thou house. Well, they want me to pay the full amount and this is even after the head of the program contacted XXXX XXXX. From XXXX until XXXX of this year I paid the full amount even tho I am supposed to get a break. In XXXX I paid just mortgage and interest. So they charged me XXXX rca fee and put my payment in suspense. Then they also told me that I couldnt use their bank app due to bankruptcy! I never filed for bankruptcy!! Then they lost the paper where I withdrew from escrow. So I am Re sending it again. I even was going to re finance my house with them and get just enough to fix it up but I wonder. I know they are large but I think whats happening is very unfair

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 2021-07-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
paypal was settled as per an agreement between me, XXXX XXXX and synchrony bank for an amount of a total, for2 accounts, of XXXX .on the XXXX th XX/XX/2021. 
they are now sending a new bill for account number ending XXXX as per our settlement agreement

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 2021-07-02 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: Smith, Cohen & Rosenberg LLC
State: AZ

Complaint narrative:
1. I previously disputed this account on my credit report on XX/XX/XXXX, as a result the company SCR solutions responded with a judgement by confession, and not the documentation required. 

2. Although the company did not produce the proper FCRA validation documents to validate the account CFPB still closed the the complaint. 

3. On XX/XX/XXXX I received an email from XXXX XXXX, with the judgment of confession paperwork and a narrative stating that they had communicated with me before about this account and that I did know about the account. ( email and time stamp attached ). 

4. I immediately on XX/XX/XXXX responded to XXXX XXXX XXXX email and explained that I was not disputing having knowledge of the account, but that I was instead asking for validation of the accurate information involving the account. ( Email and Time stamp are attached ) Email read : On Wed, XX/XX/XXXX at XXXX XXXX  XXXX XXXX XXXX wrote : XXXX XXXX, ( XXXX XXXX XXXX ) We have received your attempt to again try to dispute or claim you have no knowledge of this debt. 

( XXXX XXXX ) Dispute was that the information you are reporting on my credit report is incorrect. I did not dispute not having knowledge of account. 
You again have not responded to my request for information on : WHY DOES THE DATE OF LAST ACTIVITY KEEP CHANGING EVERY MONTH? WHY ARE YOU RE-AGING THIS ACCOUNT? 

( XXXX XXXX XXXX ) This judgment has been sent to you many times. 

( XXXX XXXX ) What is the statute of Limitations for the confession of Judgement? 

The judgement you sent has a different name on the account, please send me the following : 1. The original contract?

2. Your authorization to collect on behalf of the entity listed in the document you sent in the state of Arizona? 
3. Account information showing the correct Balance? 


( XXXX XXXX XXXX ) You have spoken to 3 different people here and always seem to go back into your hole once we reach out. 

( XXXX XXXX ) I hope that isn't a XXXX reference, very disappointing ... ... 

( XXXX XXXX ) If you want to resolve this and get it off your credit, then please reach out. Otherwise, please stop trying to dispute something that you are well aware that you owe. 

( XXXX XXXX ) I intend to resolve this matter, please provide the information requested. 

5. I have not heard back from SCR solution since I emailed them on XX/XX/XXXX. 
Today is XX/XX/XXXX. XXXX which is over the 30 day response time and being that the correspondence was over email THEY RECEIVED MY REQUEST! 

6. This company : -Has not responded in the 30 day window -Has not provided account validation information I ave requested

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: OH

Complaint narrative:
I am not liable for this debt with XXXX XXXX XXXX and I do not have a contract with JEFFERSON CAPITAL SYST plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
We purchased our house in XX/XX/XXXX and refinanced in XX/XX/XXXX. When we refinanced in XX/XX/XXXX, our house was appraised at {$300000.00} and our mortgage was for approx {$250000.00}, meaning that we had slighly less than 20 % equity so we were subject to paying PMI. Fast forward one year and the market value of our house has increased beyond {$300000.00} and houses have been selling for over {$440000.00}, therefore we have more equity in our home than we did a year ago. I called Wells Fargo and asked about the steps to have PMI removed and they sent me a letter explaining that I had three options. Make a principle payment of approx {$12000.00}, use the Automated Valuation Model, or order a revaluation of the house ONLY if significant improvements are made in exess of {$12000.00}. I'm not in a position to make a {$12000.00} payment, the XXXX is not available for our house for some reason, and we have not made improvements to the house that exceed that amount. If an appraisal were to be ordered today, our real estate agent estimates it would be valued higher than {$350000.00}, and that is being conservative. Wells Fargo states that XXXX XXXX does not allow for appraisals to be ordered for any other reason and I believe this is wrong. PMI is to protect the lender in the event that we default on our loan, but based off the market values, if we defaulted on our loan, the lender would benefit, therefore PMI is unnecessary. 

The publication the CFPB released online states that " Excessive PMI coverage provides little extra protection for a lender and does not benefit the borrower, '' so if the lender is not benefitting, we feel as if we're being taken advantage of by having to pay for something that is not needed.

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 2021-07-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: VA

Complaint narrative:
I sent a debt validation letter to the company ARS Account Resolution on XXXX, XXXX XXXX requesting validation of the account currenting reporting to my credit. I requested a signed document from said provider showing that I was releasing my medical information to a third party company. As well as a signed document showing that I was financially responsible for the debt they claim I owe. They responded with a letter dated XX/XX/2021 only listing the account numbers and amounts claimed to be due. They were given 30 days to provide the requested information and have failed to do so in the allotted time. I will send a copy of the letter sent as well as the a copy of the letter received from the company. 

They are in violation of HIPPA and should not have any access to any of my medical records or accounts.

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 2021-07-02 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I been trying to dispute item on my report that doesn't belong to me, fraud or mistaken identity but Experian Bureau refused to investigate it or response like account was verified without any support info.

here is the Item that should be removed from my report immediately : 1. Fraud. It has to be removed from my credit history report XXXX XXXX Account Number : XXXX Please remove this account from my credit report immediately! 

2. The following personal information is not mine : Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX please delete it.

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 2021-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: GA

Complaint narrative:
This company claims to do and investigation into unauthorized charges to my account but does nothing. I had some company use my debit card for fraudulent charges and was given a provisional credit. Today it was reversed. Why? This company did not have my authorization to charge my debit card because I have no idea what they were charging for. The bank also did not return the overdraft fees that these fraudulent charges caused my account to be overdrawn. I really dont think they do any kind of investigation. This bank is ridiculous. They do nothing to stop fraudulent activity. I have no knowledge of what this supposed company who charges my account fraudulently.

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 2021-07-02 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 — Problem with personal statement of dispute
Company: Rocket Mortgage, LLC
State: PA

Complaint narrative:
XX/XX/XXXX and XXXX XXXX tried to contact Quicken loans they put down that I had a forclosure I did not I got a modification before my house went into foreclosure I have been current for four years up till the time I sold my house it was paid in full they have on my credit that my house was in foreclosure I never received a letter it never went into foreclosure they will not remove it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 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: OH

Complaint narrative:
I am not liable for this debt with XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  and I do not have a contract with PORTFOLIO RECOV ASSOC plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$650.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: OH

Complaint narrative:
I am not liable for this debt with XXXX XXXX XXXX and I do not have a contract with CONVERGENT OUTSOURCING plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$260.00}

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 2021-07-02 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: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
My name is XXXX XXXX my account is XXXX I had an auto load in good with bbt aka truist. The vehicle was totalled and my insurance company paid the vehicle off in full. I made a full payment to keep the account current before the payoff and now my credit has been trashed minus XXXX points cause it was marked as late in XXXX but now paid off. i did nothing wrong and that account was paid on time and in full and I demand the credit be corrected to reflect the account in good stand this was like a slap in the face as we part ways and I am so XXXX XXXX. I will be filing state regulator complaints and filing a detailed complaint with the southern district of new york as I reside within that jurisdiction at my parents ny residents until my credit is restored.

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 2021-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2020 I opened a new Citi business checking account with a $ XXXX deposit to take advantage of the bank 's $ XXXX Cash Bonus offer. The Cash Bonus was to be credited to my new account within 90 days from the end of the month in which I completed the Offer requirements, which I interpreted to mean by the end of XXXX, XXXX, since I had completed he Offer requirements by that date. 
I contacted the bank in XXXX and was told to expect the bonus deposit within 30 more days. I contacted them again after the 30 days, and was told that it was still forthcoming. Finally on XX/XX/XXXX I was told that the Form W-9 that I had submitted when I opened the account in XXXX had not yet been " certified '' so I resubmitted another Form W-9. 
It wasn't until the middle of XXXX that the Cash Bonus was deposited. 
I feel that the Cash Bonus offer was, at a minimum, misleading, but may have actually flirted with misrepresentation. 
I also feel that I should be compensated for the 4 1/2 months of lost interest and the associated aggravation and distress caused by the bank 's mishandling of this offer.

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 2021-07-02 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Netspend Corporation
State: NV

Complaint narrative:
Netspend let some one go into my bank for a span of 4 days starting XXXX. They blocked my card on XX/XX/XXXX when the scammer started using my card in California in i live in XXXX XXXX and was at work during the transactions that happened in both states, netspend only gave back the California transactions and never gave me my XXXX back from the XXXX XXXX ATMs i never been to and it doesn't matter if the pin was enter corrected and they are still trying to make me feel like I took my own money or someone i know took it. They told me I cant be a Vitim of fraud in the same city i live. no access device was used so they violating regulation E. They told me I will have to wait to get the dispute documents to speak with the dispute department, I received them on XX/XX/XXXX still no call they are saying the dispute department called me on XX/XX/XXXX but i have no miss call or voicemail form that day so they are giving false information to me and telling me now I cant even speak to the dispute department every supervisor i talk to have hung up on me and I received emails I will be getting a call here it is XX/XX/XXXX and still haven't talk to the dispute department. They keep submitting request every time call for me to be told I have to keep waiting -1-2 business days. corporate supvisor never called me back synina supervisors .I sent proof that I was at work when the transactions happened and the bank isn't looking at the actual fraud. I don't have history going to banks taking XXXX out a day. I never been to those banks. I had to goggle were they was at. My email is showing proof that I just want my money that was taken form and two transactions I didn't receive the service or didn't make the transactions at the time shown and they aren't trying to give me my money back please help me look into this bank and wrong doing against me. I had to wait hours to speak to manger just be hung up on so many times and treated so wrong, this has caused me angry and stress. I'm seeking legal help how i been done treated. please help not listen to this bank I have screenshots of emails and my call log that I didn't receive a call from the dispute department.

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 2021-07-02 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: FL

Complaint narrative:
My credit score dropped XXXX points for no reason. When I try to find out why, Transunion tells me I need to answer security questions from 9 years ago. I don't remember them from that far back. They keep trying to tell me they can't help me without them and offer me no way to reset them? I have no delinquencies on my report and owe very little on one credit card. There is no way my score should have dropped by that much. If anything with 2 inquiries that came off today XX/XX/2021, it should have gone up! I want my XXXX points back!

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 2021-07-02 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: FL

Complaint narrative:
My credit score dropped 80 points for no reason. When I try to find out why, XXXX tells me I need to answer security questions from 9 years ago. I don't remember them from that far back. They keep trying to tell me they can't help me without them and offer me no way to reset them? I have no delinquencies on my report and owe very little on one credit card. There is no way my score should have dropped by that much. If anything with 2 inquiries that came off today XX/XX/2021, it should have gone up! I want my 80 points back!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
On XXXX XXXX, Midland Funding LLC entered a Lawsuit in XXXX County , Tx Cause Number XXXX Against the Respondent XXXX XXXX XXXX XXXX On XX/XX/XXXX XXXX I sent a Certified Return Receipt Letter with the U.S.P.S. to 2 different Addresses listed on the Original Petition asking for Full Debt Validation and all Account Level Documentation/Consent Order for Any and All accounts in my Name. On XXXX XXXX, A CONSENT ORDER File No XXXX was issued in a Administrative Proceeding.`Also Cause No XXXX XXXX XXXX. COMPLAINT FOR PERMANENT INJUNCTION AND OTHER RELIEF, And on XXXX a STIPULATED FINAL JUDGEMENT AND ORDER.See Attached Exhibits. 
Midland Funding Failed to Respond to My Written Request For all ( OALD ). ORIGINAL ACCOUNT LEVEL DOCUMENTATION/Attachment Rule, Within 30 days. 
On XXXX XXXX I also emailed Attorney XXXX XXXX Listed on the Petition.once Again Midland Funding Failed to respond According to the Rules set into Federal Law with the Consent Order.Midland Funding LLC has not Presented OALD to Date and is Suing Me with the Knowledge that I am XXXX with only Benefits of 100 % XXXX Veteran/VA and SSDI Benefits which is also Protected, My Home is Homestead.Midland Funding is in Violation of the above and Not Limited to the Above Mention Consent Order. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , Equifax , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. 

XXXX XXXX {$3600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 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: Sezzle Inc.
State: TX

Complaint narrative:
Date : XX/XX/2021 Amount : {$78.00} Order # XXXX Sezzle refused to resolve a damaged product/service I received and refund me. 
The company is refusing to honor the Consumer Protection Laws established in the state of Texas

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation