vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-08 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
ON XX/XX/2021 I SENT A LETTER REGARDING INNACURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECIEVED A RESPONSE YET. I FEEL LIKE IM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. SECTION 611 ( a ) IT IS PLAINLY STATED THAT A FAILURE TO INVESTIGATE THESE ITEMS WITHIN 60 DAYS GIVES A REASON TO IMMEDIATELY REMOVE THOSE ITEMS FROM MY CREDIT REPORT IT HAS BEEN OVER 60 DAYS SO THEY SHOULD BE DELETED PROMPTLY. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQIFAX DATA BREACH AND MAY HAVE GOT INTO THE HANDS OF THE WRONG PERSON.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 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: TX

Complaint narrative:
XXXX XXXX is not showing my AU card see attachments

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 2021-03-08 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Financial Institution : Capital One Credit Card : VISA XXXX ( deactivated ) On XX/XX/XXXX, XXXX fraud charges labeled XXXX XXXXXXXX ( {$200.00} each, totaling {$410.00} ) on the account referenced above were detected by Capital One Fraud Team and confirmed by me as the card holder. Capital One deactivated the card, and immediately refunded the charges to my account. 

However, on XX/XX/XXXX, Capital One notified me by letter that their investigation led to no indication of fraud, without providing any specific reason. My account was again charged {$200.00}, twice. 

On XX/XX/XXXX, I called Capital One hotline to protest their reversal, and re-emphasized the transactions were not authorized by me. Agent of Capital One informed me that an error was made and that my account will be credited {$410.00}. This was also followed by a letter of confirmation from Capital One. However, as of today, no such credit has appeared in my account. 

On XX/XX/XXXX, I called the Capital One hotline again to follow up and was told that I need to resolve the issue with XXXX. So, I inquired with XXXX and told the XXXX agent that I did not authorize such transactions. XXXX informed me they found the transactions, but they are not linked to my XXXX account. This also confirmed the transaction is unauthorized by me. 

My XX/XX/XXXX call to Capital One was yet another frustration, after an agent told me she would transfer me to her supervisor, but instead the line was disconnected. 

On XX/XX/XXXX I sent a letter to Capital One Fraud Protection Department to reiterate that the transaction merchant is not recognizable to me, and the purchases were not authorized by me. No goods were delivered to me and no service was provided. I am the sole user of the credit card, and I have never given anyone else permission to use it. Nor did I authorize XXXX to charge this VISA account ; the transactions do not even show up in my XXXX account. The letter was received on XX/XX/XXXX according to USPS record. However, I haven't heard from Capital One in any format of communication ( phone call, email, or letter ) since.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN

Complaint narrative:
My elderly mother recently passed, my children and I have been affected by covid-19. 
I contacted my mortgage company XXXX XXXX XXXX to request a forbearance. I was told there was not any Corvid-relief for me and my family. Spoke with XXXX a supervisor requested the forbearance she told me the only option available to me was to sell my home by short sale. I asked about President Biden forbearance extension for mortgages she replied I did not have that option. My mortgage company has been difficult to work with and they refuse to help me keep my home. I need Help for me and My children. I have a foreclosure sale date for XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 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: AR

Complaint narrative:
Hey guys, My name is XXXX XXXX XXXX XXXX. 
I was going over my credit report and I wanted to get an account validation. 
Im in the process of getting my taxes and things in order and this is just something that I feel needs to be taken care of aswell. 
I am exercising my right to request validation on any debt that is alleged to me. 
In this climate of data breaches and such, I just need to be absolutely sure that none of my data has been compromised and used without my authorization. 
Im basically asking that you provide me with competent evidence that I personally have a legal obligation to pay you and that you are actually who you say that you are as well. 
When your offices provide the proper documentation as requested in the following declaration, I will need about 30 days to investigate this information. During such time all collection activity must cease and desist. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. 
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Im not looking to have you verify my name and address. Im actually looking for a few specific details and I will go ahead and list them below. TIA

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 2021-03-08 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: AR

Complaint narrative:
Hey guys, My name is XXXX XXXX XXXX XXXX. 
I was going over my credit report and I wanted to get an account validation. 
Im in the process of getting my taxes and things in order and this is just something that I feel needs to be taken care of aswell. 
I am exercising my right to request validation on any debt that is alleged to me. 
In this climate of data breaches and such, I just need to be absolutely sure that none of my data has been compromised and used without my authorization. 
Im basically asking that you provide me with competent evidence that I personally have a legal obligation to pay you and that you are actually who you say that you are as well. 
When your offices provide the proper documentation as requested in the following declaration, I will need about 30 days to investigate this information. During such time all collection activity must cease and desist. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. 
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Im not looking to have you verify my name and address. Im actually looking for a few specific details and I will go ahead and list them below. TIA

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 2021-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Titan Revenue Solutions
State: CA

Complaint narrative:
I have disputed this account several times with titan revenue solution several times. 

they have called me with abusive tactics, cussed at me, called me foul names, threatened me and used several illegal tactics. 

I have asked them to send me the proof they have and all they have is a fraudulent check that has a signature forged to read my name. The check they are used as their " proof '' is not an account I have ever used, owned or operated. 

I have reported this to them as fraud and they continue to ignore me and report this information on my credit report. I have advised XXXX of this matter as well and they have refused to help me. 

Every other credit bureaus has been more than helpful in this situation but XXXX 

Please help me get the justice I deserve.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Conn's, Inc.
State: AZ

Complaint narrative:
I called the company on XX/XX/XXXX to have a post dated payment in the amount of XXXX dated for XX/XX/XXXX deleted. The representative told me it was already deleted. The payment was still processed on XX/XX/XXXX. I called on XX/XX/XXXX to request a refund. I called back on XX/XX/XXXX to follow up, the rep I spoke with said no request for refund was submitted, but they would submit the request. Called back on XXXX spoke to another rep who said there was still no request submitted. Called again today, the request has still not been processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX continuously reports a late payment on my account although they were paid on time and there was not thirty days between payments.

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 2021-03-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I am writing today in regards to my account with AMEX account # XXXX. The reason for writing today is in regards to the late payments which is showing on my report in XXXX, XXXX and XX/XX/2020, due to Covid I was unable to make the payments in XXXX, XXXX and XX/XX/2020. As soon as I was able to, I got my payments made and caught up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: IN

Complaint narrative:
I was first contacted by XXXX in XX/XX/2020 about the remaining balance owed. I disagreed with that amount as I had returned the equipment and felt it was {$200.00} higher due to that. They noted the system and I asked for an updated billing statement to reflect that amount. I never received it but did get a collection noticed from Sequium Asset Solutions , LLC for the full amount. The date on the letter was 30 days old when I received it so I contacted them inquirying. They advised that the total about was {$420.00} which again I shared what happened and they stated to call XXXX again. I did this and they acknowledged that it was noted and would send to that company. I never received a phone call, another letter and forgot about it until an email sharing my credit score dropped 57 points and a collection was reported. 

Called today and paid the amount I felt was due and they advised that no other calls, letters were warranted and that I would have to dispute with XXXX on getting it removed from my credit report. 

Account # XXXX Sequium XXXX # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
i sent a letter to them on XXXX XXXX and hasn't heard from them concerning this inaccurate item XX/XX/2021 LVNV FUNDING LLC c/o RESURGENT CAPITAL SERVICES XXXX  XXXX  XXXX XXXX, SC XXXX XXXX : Alleged Original Creditor : XXXX XXXX XXXX  Alleged Original Creditor Account Number : N/A Debt Collectors Account Number : XXXX XXXX Alleged Debt Amount or Balance : {$960.00} Dear LVNV FUNDING, LLC : I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within thirty ( 30 ) days. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, ( 1 ) the name and address of the original creditor, ( 2 ) copy of the oral or written request or application for the alleged credit card account, ( 3 ) copy of a signed contract or signed credit card agreement with the alleged original creditor, and ( 4 ) previous 12 months of statements of account. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, including the Fair Debt Collection Practices Act, cease and desist all collection activity, including all credit reporting activity. Promptly request deletion of any prior credit reporting to credit reporting agencies. This letter may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this matter and receive all related information. If you fail to comply with this letter, I intend to turn the matter over to an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: OH

Complaint narrative:
Last year I requested a hardship and was approved by Flagstar Bank in XXXX of XXXX for a HAMP Standalone Modification Plan ( Trial Plan ). I had initially missed a couple of payments. I submitted documentation to get assistance from the bank to help me. Once the plan was in place I did NOT miss any other payments. All items are attached of the agreement. 

The agreement was to start the first payment on XX/XX/XXXX in the amount of {$1200.00} for three months and then after successful completion of the trial plan i was to receive a confirmation that the plan was PERMANENTLY MODIFIED. I signed and agreed to this with the bank. I have attached all the documents. I paid XXXX, XXXX and XXXX as noted in the amount of {$1200.00} I did not break the agreement. I was not late on any trial plan payment. And then on Friday XX/XX/XXXX I received a call from the Bank, after many transfer I was connected with a representative named XXXX who then informed me that I was on a Forbearance and wanted to know when i was going to make payments, and then he said he could not find my SPOC who called me and then he told me that the reason for the call was that the bank needed me to agree to a modification of a new payment in the amount of XXXX. I reminded and educated him on the current modification plan that i was on and that i had met that agreement and i was not sure of what was going on. He then proceeded to say something to the case of the bank missed a review of the account, the escrow went up and they missed that etc. He then said that they needed to know if i was agreeable to the new identified payment. I told him NO and that i did not feel comfortable with this call and nothing in writing and that i was waiting on the bank to send the final documents as agreed that needed to be notarized for my permanent modification plan. He told me that there may be other options and other community services that i could reach out to. The conversation in which I am sure has been recorded can be located by the bank. Also what is noted are the multiple calls that I personally made to the bank since last fall to get this account straight and to ensure that I met their agreement. All of this should be located in my file. 
I signed and sent back the forms to Flagstar Bank on XX/XX/XXXX. I met the agreement as noted in writing from them. And I feel that they have tired to go back on the signed agreement which will cause me more heartache and problems. They offered no help but instead pressured me to agree to the new plan over the phone. Which I declined and I informed them that I was calling to file a complaint. 
My entire case needs to be reviewed. I am not sure of why they would want to change after I made all my payments for the trial on time. I did exactly what they told me to do.

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 2021-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
PNC Bank has admitted ( via recorded phone call ) that they accepted my Economic Stimulus Check on XXXX ; Then rejected it. then shredded it ; then lost the copy. They refuse to share the copy/ image with me. They never contacted me about this and they have also admitted that their " return '' and communication policy is ineffective. It's been 5 weeks. 

They have admitted that they have never contacted me to alert me of this issue. 

They have also admitted that their procedure to address this issue is ineffective. 

They refuse to deposit/ issue/ cash out my funds and they refuse to report this issue to their corporate security department for a potential theft or fraud investigation. 

THey also refuse to accrue interest while this matter is being addressed. 

They've also refuse to inform me that this matter is being addressed on their end. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 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: FL

Complaint narrative:
XXXX XXXX XXXX timeline of complaint XXXX - Ordered phones XXXX 2020 - Received Phones and activated them XXXX Received Bill dated XXXX and due XXXX for {$320.00} XXXX Returned phones within 4 days after getting them to USPS with the prepaid address label giving by XXXX XXXX XXXX. This is within their 15 days return policy. 
XXXX XXXX XXXX XXXX received the phones. USPS Tracking number XXXX. Signed by Shipping Agent on XXXX. 
XXXX - Called and spoke with XXXX. Told her we returned the phones. Said she would waive the {$60.00} activation fees, and we would only be bill for the 4 days of service. We said fine send us the bill. 
XXXX Instead of just 4 days of service, we received a bill dated XXXX for the full amount of the phones. {$2700.00}. 
XXXX Called and spoke with XXXX. Told her we returned the phones. Said she would credit us for the error. CASE # XXXX XXXX - Received a collection notice dated XXXX from XXXX XXXX XXXX XXXX XXXX for a balance of {$1400.00} XXXX - Called again. Spoke with XXXX. They only credited us for one of the phones that was returned. Said shed take care of it and remove it from collection. CASE # XXXX XXXX Got a call from XXXX XXXX XXXX XXXX XXXX. XXXX with XXXX. 
Said we had a balance of {$170.00}. Apparently for the 4 days of service. 
XXXX Called XXXX XXXX XXXX and spoke with XXXX. Told her we never received any bill for the final balance after all of XXXX XXXX XXXX mistakes. Told her we thought {$170.00} was excessive for only 4 days of service. She agreed to only charging {$32.00} and would take it off collection since it was their mistakes. We made the payment of {$32.00} directly with a credit card with the representative of XXXX XXXX XXXX as requested. XXXX XXXX XXXX XXXX confirmation XXXX XXXX - Received a notice from XXXX XXXX XXXX XXXX XXXX that the collection was paid in full. The XXXX  Report shows that the balance paid was for {$1400.00}. We never owed this amount. 
This should never have been a collection in the first place. I want this removed from my credit report as being a collection as it has lowered my credit score 100 points. 
XXXX filed a complaint with XXXX Report Number : XXXX XXXX Dispute results ready from XXXX  The report still shows this as collection of {$1400.00}. I want it removed. And I want this wiped off my credit report.

Company response to consumer: Closed with explanation