vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-21 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: CA

Complaint narrative:
The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 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: GA

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 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: Southwest Recovery Services, Inc.
State: NV

Complaint narrative:
Around XX/XX/2021, I noticed a collection appearing on my XXXX XXXX XXXX Credit Reports from Southwest Recovery Service in the amount of {$3100.00}. I have no knowledge of the collection agency or the original creditor, therefore I disputed with account with both XXXX XXXX Credit Bureau. I received XXXX XXXX XXXX 's results within 30 days and they stated the account was verified. So in XX/XX/2021, I wrote a dispute letter to the collection agency with the address provided by XXXX report disputing the account directly with the collection agency. I received the returned letter back stating the address was undeliverable. Then I checked my XXXX report, because the address for the collection agency was listed differently on the XXXX report and sent a 2nd dispute letter to the address listed on XXXX credit report and again the letter was returned to me as the address being undeliverable. Then in XX/XX/2021, I wrote to XXXX and XXXX credit bureaus requesting removal of the collection account due to the address being inaccurate. I received a response from both credit bureaus again stating the information is verified. I am requesting that this account be removed permanently from my reports. I have attached documents for your review. 

Thanks in advance

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 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: NV

Complaint narrative:
Around XX/XX/2021, I noticed a collection appearing on my Equifax XXXX XXXX Credit Reports from XXXX XXXX XXXX in the amount of {$3100.00}. I have no knowledge of the collection agency or the original creditor, therefore I disputed with account with both Equifax XXXX Credit Bureau. I received Equifax XXXX XXXX 's results within 30 days and they stated the account was verified. So in XX/XX/2021, I wrote a dispute letter to the collection agency with the address provided by Equifax report disputing the account directly with the collection agency. I received the returned letter back stating the address was undeliverable. Then I checked my XXXX report, because the address for the collection agency was listed differently on the XXXX report and sent a 2nd dispute letter to the address listed on XXXX credit report and again the letter was returned to me as the address being undeliverable. Then in XX/XX/2021, I wrote to XXXX and Equifax credit bureaus requesting removal of the collection account due to the address being inaccurate. I received a response from both credit bureaus again stating the information is verified. I am requesting that this account be removed permanently from my reports. I have attached documents for your review. 

Thanks in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
A card was opened my name in 2012 at XXXX XXXXXXXX now portfolio recovery associates has the debt. I tried many times to dispute the account even a police report but they keep reporting a debt that was never mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Refinanced a 2nd home loan for {>= $1,000,000} - 4 individuals on the loan but only the first 2 individuals are listed on the refinanced loan. 
The loan servicing was then transferred to Pentagon Federal Credit Union. 
I am listed on the loan and I am the designated person to handle the payments. However, I can not obtain the monthly mortgage statements. 
XX/XX/2021 - initial call to PenFed- they identified that I was on the loan and placed an internal request to have all 4 individuals ( including myself ) linked on the account so that I would receive mortgage statements. Was told 5-7 business days. 
XX/XX/2021 - 2nd phone call and told request was still pending and that they could not do anything else about it. 
XX/XX/2021 - 3rd phone call and told yet again that the request was still pending with no timeline to completion. Immediately after I sent an email to PenFed ( with cc to XXXX XXXX XXXX ) requesting timely completion so that I can obtain the monthly mortgage statements. Despite my online access to PenFed, the loan information is still not linked to my account and I can not even confirm that the loan payments are arriving correctly. I believe one of the parties on the loan may be receiving statements but he lives 20 miles away. 
Today, XX/XX/XXXX, XXXX checked online and still no linkage to the loan information. I have not received any response from PenFed to my email.

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 2021-09-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
I've repeatedly ask that this Credence Resource Management provide me the necessary information pursuant to 15 usc 1692g legally it is my right that I'm provided this information also a statement of bills are not validation of debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Receivable Solutions, Inc.
State: SC

Complaint narrative:
Upon pulling my consumer financial report I discover that there is information that is deemed to be fraudulently reporting from this agency. I sent certified mailing informing them of these fraudulent actions. I have discovered that this debt collector Pursuant to 15 USC 1692 ( a ) have violated my privacy completely. I did not provide this debt collector with direct consent that they could contact me via mail or any other communication which is required pursuant to 15 USC 1692c ( a ). When looking at the amount owed on my consumer credit report. This company also seems to have committed identity theft due to myself never doing business with them about this matter and also purchasing my information concerning me as a consumer in order to collect on a debt. I have attached documentation that I have sent to this company concerning this matter certified mail # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 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: GA

Complaint narrative:
Experian not updating credit report after I've submitted proper documents and proof of debt not valid.

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 2021-09-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I am a victim of identity theft. I lost my bag and now I am receiving a bank statement I did not make. Someone who has taken my things took advantage of and made this fraudulent account under my name. The fraud was opened on XX/XX/2017 with an amount of {$13000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I have been a longtime customer of Bluebird Prepaid Card owned by American Express since 2016. I have experienced problems in the past year but until then never had any issues with them. I used them as a way to take advantage of getting my paycheck early and after my paycheck was deposited, I would withdraw it and put it into my bank. Being I do not feel safe using my bank issued debit card, whenever I wanted to shop online, I would transfer the money over to my bluebird card to use it to shop. Tonight, I had done the same thing, I added funds to my account and I started using my bluebird account for XXXX so whenever I wanted to take an XXXX, I would add funds to my bluebird account. However, this time, it kept saying there was some sort of error and I kept trying to add the funds in my account. I then get a message saying my account is suspended due to violating the community guidelines. I never broke any guidelines, all I did was added funds to my card which never seemed to be an issue in the past 5 years that I had this card. 

Thinking this was a mistake, I called customer service and they blocked my number saying my account was suspended and to refer to my email. I check my email and they said in order to find out what happened to my account, I need to write in to them via mail. That to me is really shady, they won't answer my calls, I've been hung up on and no one is telling me how I can get my money. MY PAYCHECK gets deposited on that account that was 'suspended '!!!!!! 

I refuse to write into this company that I've given so many chances this past year and ended up screwing me over. I want my money, the full amount and I know how much is in there to be sent to me ASAP, I don't want to write in to get my hard earned money. 

This happened to me around XXXX, it is now XXXX in the morning and Bluebird has caused me nothing but anxiety not knowing how I was going to pay my bills this week or buy food for my household. have heard from other customers who experienced the same thing that they refuse to give back money and I am not going to allow that to happen to me. 

This company has gone downhill and is nothing but a bunch of thieves. I heard this happened to other people, I ignored it thinking it won't happen and it did. Within a day my livelihood was put on hold because of Bluebird suspending me with no explanation and has blocked my phone number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SinglePoint GI
State: SC

Complaint narrative:
I received a notice on XX/XX/XXXX from this company with several violations that I cited on the notice. On XX/XX/XXXX I sent certified mailing informing them of these fraudulent actions. I have discovered that this debt collector Pursuant to 15 USC 1692 ( a ) have violated my privacy completely. I did not provide this debt collector with direct consent that they could contact me via mail or any other communication which is required pursuant to 15 USC 1692c ( a ). On the communication sent via mail from this company pursuant to 15 USC 1692g ( 4 ) and 15 USC 1692g ( 3 ) I did not receive notice that I have the right to dispute this debt. This company also seems to have committed identity theft due to myself never doing business with them or giving them my location information about this matter and also purchasing my information concerning me as a consumer in order to collect on a debt which according to 15 USC 1692e ( 10 ) is also a violation. Having to deal with this has literally caused me mental anguish and stress. I have attached documentation that I have sent to this company concerning this matter certified mail # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: COLORADO HOUSING AND FINANCE AUTHORITY
State: CO

Complaint narrative:
My loan was sold to CHFA, and they stopped paying my hazard insurance from escrow, I got my own policy and sent them the declaration page following the directions on the website - 4 times! I finally got someone to listen to me and was told I should apply for a loan modification, I can't afford the XXXX XXXX  monthly escrow increase for the lender placed insurance plus the policy I'm carrying on my own, but no one cares to look into it for me. I filled out the loss mitigation application, and after a month of no response I sent an email to them, I finally received an apology and a list of paperwork I needed to submit, most of it I had already submitted. finally after another month of sending paperwork over and over, I received a notice that my loss mitigation application had been accepted, along with a certified letter stating my loan was in default, That's when I found out my XXXX XXXX had dropped XXXX points, and I started receiving daily collection calls.. after more than a month I received notice that I was given a forbearance, and had seven days left before my payments were to resume. I have 2 credit cards that have reduced my credit limit to my current balance, which increased my debt to credit ratio reducing my credit score even more. I still cant afford the payments, but I was going to pay everything but the increase in the escrow, turns out they wont take a partial payment, so it appears I have to continue defaulting on my loan. I can't refinance because they destroyed my credit, ( it's called dual tracking, which is illegal ), also according to the forbearance letter - I need to make arrangements to pay back my forbearance, so I'm in worse trouble than before. I'm XXXX, and I care for my XXXX XXXX were both on fixed incomes and have only lived in this house for 2 years, and my mortgage has already gone up more than the two of us can afford. I'm hoping to find an attorney to protect my interests, I've used my mortgage money from the last couple months to buy a new heater for the home. so my heating bills don't eat me alive this winter. All I need is to get my mortgage back down the point I can afford to pay it, and CHFA just keeps ignoring me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 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:
I have disputed these debts and the company has failed to validate these debts with the information that I have requested. They have also broken laws under the FCRA & FDCPA. I sent the company an invoice for the violations that they have broken as well as a affidavit of truth that has not been responded to correctly I am now demanding all information be removed accordingly. I am attaching the documents in this file

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: NV

Complaint narrative:
I paid my loan payments early for my XXXX payment. Instead of applying it to XXXX they applied it to XXXX. Now they are telling me Im Late for XXXX and wont fix the problem. I Ive spoken with four different people and they have not updated my account but are charging me late fees

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Overcharged for a purchase or transfer you did make with the card
Company: Incomm Holdings Inc.
State: ID

Complaint narrative:
I made a purchase of {$120.00} with a vanilla pre-paid card on the website XXXX XXXX  XXXX on XX/XX/21. I did receive a confirmation email of the purchase. The next day I realized that they charged my card {$120.00}, almost the full amount of the card. I tried contacting the company by phone, email, and messenger. The phone numbers are disconnected, and no response has been given by email or messenger. I then called vanilla card company and requested they stop the pending charge. They refused this request and told me to call back after XX/XX/21 when the charge was finalized to dispute the amount. When I called back on XX/XX/21 I was told that it was impossible to dispute the amount, and I must have agreed to the charged amount. I was told that it sounds impossible I was charged more than what I agreed to. When I asked to speak to someone else, I was put on hold for over 10 minutes and then I was hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 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: IN

Complaint narrative:
I have a fraudulent account appearing on my credit file. There is an unverified Bankruptcy appearing on my Transunion credit file. I have reached out to the US Bankruptcy court to see if they furnished this information to Transunion and they have insisted that they did not furnish this information. Transunion do not have my permission to furnish this incorrect information it is a violation of my right to privacy according to the Fair Credit Reporting Act. My consumer rights are being violated and I demand that this fraudulent account be deleted immediately.

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 2021-09-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
my XXXX  credit card formerly issued with XXXX a visa card has been switched without my permission to the worst credit card company with the most unprofessional customer service. BARCLAY BANK never sent me a new card as per the agreement and the notification i received by mail!!! ..8 hours..5 phone calls had to leave my XXXX XXXX  mother with a neighbour! ..my mother has received her card..an extra was given in my name..i am supposed to be receiving my own replacement card!!!!! i tried to register the card my mother got in my name..it is not working!!!! ..BARCLAY NEEDS TO BE MORE RESPECTFUL OF PROSPECTIVE CUSTOMERS! I WANT MY OWN CARD AS I HAD WITH MY XXXX XXXX CARD!! EITHER WAY..NO DEALING..NO RESPONSE..UNABLE TO REGISTER THE CARD MY MOTHER RECEIVED AS AN AUTHORIZED USER!!!. issue me replace my visa/XXXX with a credit card in my own name!!! ..i do not want to be an authorized user! i want a new cards in my name..only! you have no idea how frustrating and aggravating this is! i never miss ANY CREDIT CARD PAYMENTS! HAVE AN EXCELLENT CREDIT SCORE! 1 ) I WANT A NEW REPLACEMENT CARD FOR THE ONE DID NOT RECEIVE! i want to register it online so i can pay any charges that are incurred... i curse the day chase switched it's XXXX card to these numbskulls! ..i am considering legal action against BARCLAYS! ..please intercede on my behalf! i would have a better chance of talking to XXXX with a XXXX XXXX  than these uncaring selfish idiots! they knew this was happening -- get more customer agents! ..please get in touch with BARCLAYS let them know that i did not get my own card!!!!!!!!!!!!!! thank you j. senning.see how you or anyone else would like to be on hold for 9 hours!!! i have enough to do... i do not need this unprofessional behaviour from a bank issuing this credit card..

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 2021-09-21 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: TX

Complaint narrative:
I have sent several rounds of dispute letters to the bureaus however I have not received any response until now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Windham Professionals, Inc.
State: NJ

Complaint narrative:
I LOOKED ON MY CREDIT REPORT AND I SAW THAT THERE IS AN ACCOUNT THAT I DID NOT AUTHOURIZE OR BENEFIT FROM I HAVE ATTACHED AN FTC REPORT IN HOPES OF GETTING THIS ISSUE RESOLVED I NEED THIS FRAUDULENT ACCOUNT REMOVED

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