vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-08 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: P&B Capital Group, LLC
State: TX

Complaint narrative:
To Whom It May Concern : I filed a cfpb complaint against P & B Capital on XX/XX/XXXX. They responded on XX/XX/XXXX. I have since retained new copies of my credit reports and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute. 

You have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law.

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act.

I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of a dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. ( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).

As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe and I have evidence of such, you must now remove the item.

Any other action or inaction on your behalf will result in a small claims action against your company.

I will be seeking { {$5000.00} } in damages for the following : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
ALL 3 CREDIT AGENCIES CONTINUE TO VIOLATE " FCRA '' SECTIONS 604,605A, 605B, 607, 611, 623A... WITH REPORTING OUTDATED SINCE 2014 INCORRECT " XXXX  '' DATA OF PUBLIC RECORDS NOT MY ACCOUNT AND NEVER HAD ANY CH XXXX BANKRUPTCY

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 2021-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
ALL 3 CREDIT AGENCIES CONTINUE TO VIOLATE " FCRA '' SECTIONS 604,605A, 605B, 607, 611, 623A... WITH REPORTING OUTDATED SINCE XXXX INCORRECT " PACER '' DATA OF PUBLIC RECORDS NOT MY ACCOUNT AND NEVER HAD ANY CH 7 BANKRUPTCY

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 2021-10-08 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
i disputed this item as fraud multiple times and presented a offical police report and they still refuse to erase it from my credit because it was wrongfully disputed not in a manner that they could erase 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 2021-10-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
After my social security card was lost I had my identity stolen and a number of accounts were opened fraudulently. One of them is an account with XXXX. This debt has been purchased by Midland Credit Management. I do not know how much the debt is for the account was opened by someone else and this is a case of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-08 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: AR

Complaint narrative:
On XX/XX/2021 around XXXX I made several calls to companies listed on my hard inquiry list for Transunion and they were unable to verify the inquiries. I then called Transunion and tried to explain to them the situation and that I was trying to buy a home soon and these " unknown inquiries from the last several months needed cleaned off. The woman on the phone was unwilling to help and said that they were " documents and would remain on my report ''. I know that this is untrue and I need help solving this problem. I have disputed with Transunion several years back and never had this issue. The inquiries listed on my report which are inaccurate/unauthorized are as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2021 I have made attempts to resolve this, but was unable to with original inquiry parties and then when calling Transunion, customer service was unwilling to help remove these unauthorized inquires. Any assistance in this matter would be fantastic.

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 2021-10-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
In 2010 my identity was stolen after going into my XXXX XXXX account on office computer. A box popped up requesting all my identity information. And dumbly I gave it all as it looks exactly like XXXX XXXX and I didnt know about phishing back then. Shortly after I started getting stuff from debt collectors from XXXX XXXX from a XXXX XXXX residency. I live in XXXX XXXX. I went to bank reported identity theft and fraud and closed my account. Throughout years Ive had the debt collectors through XXXX XXXX asking for money for utilities for tv and phone services. I have to go through whole process to clear my name. Why they have not flagged any account under my identity I dont know but its extremely frustrating. Im now once again going through the process to clear my name through debt collector Convergent Outsourcing asking for {$1600.00} for XXXX XXXX for an account balance plus equipment cost. Please arrest these people. I want to be freed from this nightmare.

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 2021-10-08 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: GA

Complaint narrative:
In XX/XX/2020 an derogatory account was reported for the amount of {$9900.00}. I'm filing a claim under FCRA Section 611 ( a ) ( 1 ) A. I am in desperate need of this account being removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 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: OneMain Finance Corporation
State: AL

Complaint narrative:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: PMT Solutions, LLC.
State: WA

Complaint narrative:
On XXXX a caller at XXXX XXXX XXXX gave a third party personal info about my debt and was negotiating my debt with the third party without my knowledge or permission. He also did not disclose he was on a recorded line or attempt to verify my name, SSN, DOB, or Property Address before giving my personal info. Anyone person can call this company and get any debtor info without hesitation. I brought up that it was illegal and attempted to settle the debt he continued yelling at me. I asked to speak to his supervisor and I was hung up on. I researched the company and called back I spoke to the office manager and the office manager did nothing. The office manager would also not give me the attorneys name and said they dont have an attorney which I believe is also illegal. Additionally my contract did not state that I would pay collection fees and the debt collector admitted that there were collection fees added to the acct. I believe this is a sham to try and get me to pay more money so they can make more money rather then splitting the account with their client as their client agreement states.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
After my social security card was lost I had my identity stolen and a number of accounts were opened fraudulently. One of them is an account with Express. This debt has been purchased by XXXX XXXX XXXX. I do not know how much the debt is for the account was opened by someone else and this is a case of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 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: Asset Management Outsourcing, Inc.
State: AL

Complaint narrative:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 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: DC

Complaint narrative:
I sent a letter regarding inaccurate info and unknown things being on my credit report to XXXX, XXXX, Equifax 60 days ago.I have not received as response yet and seems as if my disputes being ignored

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I have been trying to close my BBVA accounts due to poor customer service. BBVA does not provide an option to close accounts online, phone calls to customer service either ends up with system error or excessively long wait time. 

On XX/XX/2021 BBVA charged bogus {$15.00} service charge and {$3.00} paper statement fee for paper statements that I never signed up ( paperless statement selected since the account was opened ) on the account I have been trying to close. 

On XX/XX/2021 I was finally able to reach a BBVA agent and he denied my request to close my accounts due to negative balance from above mentioned fees. When I asked to speak to a supervisor, the agent hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
This is a new complaint and I would like to have this reviewed. 

I have sent countless written communications to Portfolio Recovery notifying them to cease and desist ALL communications. My last complaint was in XX/XX/2021 and since then, I have received 10-12 letters per week from this company. 

This is blatant disregard of my consumer rights and I demand this company stop communicating with me via mail and phone. Portfolio Recovery does not have my permission to have my personal information and I do not owe them and do not validate this inaccurate information they are sharing. 

This is harassment and defamation of character to allow this company to report information that does not belong to me on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 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: FL

Complaint narrative:
I lost my card at the end of XXXX around XX/XX/XXXX. I noticed charges on the account and called Bank of America about the issues, they issued me a credit of the missing amount. I ordered a new card but never received it. after which i noticed strange activity on my account after they disconnected my card from my digital wallet.I called to connect my card back and they informed me that Bank of America has decided to close my account. because of this i decide to look into my account and see that it is negative XXXX dollars from a returned check that was submitted into an atm on XX/XX/XXXX WHEN I HAD NO CARD IN POSSESION BECAUSE IT WAS STOLEN. Since then i have put in a request for the release of the direct deposit funds of XXXX that went into a closed account. They then later declined the claim stating that i have used the atm that was used when my card was stolen. i tried to file an appeal and was transferred to another department which didnt answer and i was hung up on. now the have charged my direct deposit funds and all of my money is gone.

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 2021-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WorldRemit Corp.
State: IA

Complaint narrative:
World Remit debited my account for XXXX on XX/XX/21 and have no record that the activity occurred from their review. Bank ( XXXX XXXX XXXX XXXX ) statement and confirms show this unauthorized transaction. Bank not willing to help me resolve and state money is with remit. Remit has no record of this transaction.I am at a loss of XXXX dollars which can not be accounted for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 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: National Credit Adjusters, LLC
State: AL

Complaint narrative:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I finished my forbearance payment x3 which ended in XX/XX/2021. I called another mortgage company to refinance my home and they want a loan modification letter from Mr. Cooper. When I contacted Mr. Cooper, they said verbally that they are able to lower my APR from 5.25 % to 3.25 % and they are going to mail the modification letter in XX/XX/2021 that requires my signature. I have not seen the documents yet. I kept getting calls saying my mortgage is due. When I spoke to Mr. Cooper 's manager, she said I am not liable to pay anything right now because a delay on their end. I have not been billed since XX/XX/2021, and I said I don't want to be liable for extreme late payment due to their delays. I tried calling x2 and their line is cut off. I would like to change my mortgage company but can't move forward without the loan modification letter. Please advice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: VA

Complaint narrative:
on XX/XX/XXXX, I contacted I.C.Systems collection agency to inquire why are they continuing to update my credit bureau account that I owe a collection bill {$500.00} when they have been notified by XXXX XXXX XXXX that I dont owe this debt. I disputed this debt twice with the credit bureau and the second dispute, I included a copy of the email from the Office of the President of XXXX XXXX XXXX to confirm I didnt owe the debt. The supervisor from XXXX said on XX/XX/XXXX, eventhough I included a copy of the email from Ms. XXXX XXXX, Office of the President of XXXX XXXX XXXX, I.C. Systems refused to acknowledge it and said the collections is reported as accurate information on my credit bureau report. 
I called Ms. XXXX but voicemail acknowledge she is currently on maternity leave and to call customer service with no forwarding number. I researched the internet to find a number to call XXXX XXXX XXXX XXXX wireless service. They confirmed my balance is {$0.00} and that the information with I.C. Systems should not be reporting.

I asked I.C. Systems to call XXXX XXXX XXXX. I was told they are no longer in charge of the debt. I advise well how will they know I dont owe this. I even advised I was on the phone when Ms. XXXX called their company to informed them I am not responsible for this debt. The supervisor from I.C. Systems said the conversation never took place and there is no notes or documents to confirm my statement.

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 2021-10-08 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: Go Capital Holdings, LLC
State: AL

Complaint narrative:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.

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 2021-10-08 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: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.

Company response to consumer: Closed with explanation