vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I lost my phone and the stranger that returned it gave it back only after sending money to someone using my XXXX XXXX

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 2022-10-31 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: PlusFour, Inc
State: NV

Complaint narrative:
I had medical insurance during this time which was called XXXX through Medicaid with the state of Nevada which changed to XXXX XXXX XXXX XXXX XXXX still through Medicaid. When I called Medicaid they explained this to me

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 2022-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
Can not open a. New account, accnit XXXX business loans

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
This debt has been disputed from my report more than 3 times. It has now been purchased by LVNV Funding in which I DID NOT get any statement or documents to contact this agency before placing it on my credit report yet AGAIN. Thus is causing me so much stress and XXXX and must be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX

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 2022-10-31 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: NC

Complaint narrative:
Equifax lied and is being deceptive. They responded to report XXXX and claimed they were responding to inaccuracies that I reported. This is far from the truth. They have figured out a way to manipulate your system and not have to take accountability in their responses to the CFPB complaints. 

Read for your yourself. I am attaching the document that they perjured. 

XXXX ( read complaint, then their response ) I demand an investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 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: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
LVNV Funding LLC XXXX On XXXX XXXX. I contacted XXXX XXXX after noticing that LVNV FUNDING, LLC ( C/O RESURGENT CAPITAL SERVICE ) listed as derogatory mark on my XXXX and XXXX credit report .I disputed the alleged debt with XXXX XXXX and the response was ( the account information disputed by consumer, meets FCRA requirements ) nothing else. I received no evidence to validate that debt. LVNV FUNDING, LLC FAILED to produce any evidence required to validate the alleged debt within the thirty ( 30 ) day time frame in accordance with 15 U.S.C. Sec. 1681i ( a ). I have NEVER received ANY service or product from LVNV FUNDING, LLC and I have NEVER had a Contract or an agreement to pay LVNV FUNDING, LLC at ANY time. LVNV FUNDING, LLC is GUILTY of Unfair Deceptive Business Practices and I am hereby requesting that the CFPB aid in correcting this matter. 

LVNV FUNDING, LLC didn't provide me the legally required validation of debt listed below : 1.Complete payment history, including but not limited to, verification by line item ( with an explanation of each item ) for the entire amount, dates of execution, as well as last date of activity. 3.Proof that LVNV FUNDING, LLC owns this debt or the contract giving you power to collect 4.Proof that this debt has not been written off as a tax liability 5.In addition, I've recently learned that you're required to send me notification of this or any debt and your plans to report it to the credit bureaus prior to doing so. YOU NEVER DID THAT. And if you think you did, then you must also send me proof that you did. I am demanding all of the following resolution in regards to my complaints -Deletion from all consumer reports. Remove all remarks or comments off my consumer report Cease and rescind any and all use of my information and my signature

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have a repo with XXXX XXXX on my credit report in which I do not dispute owning the account, my dispute has been the repo itself and the failure to provide me the documdnts required by law regarding this matter I have reached out to the company multiple times and there has been no response, I disputed these facts with Transunion who responded they investigated this matter and determinef I own the account again I have not disputed ownership, XXXX XXXX is reporting I owe approx. {$9000.00} yet has failed to provide requested documentation in regards to this repo such as the vehicle resale information

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 2022-10-31 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately : XXXX  XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX MXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX XXXX Account Number : XXXX

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 2022-10-31 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: GA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 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: LA

Complaint narrative:
On XX/XX/XXXX around XXXX my computer locked up started flashing and beeping with an error message. Your computer has suspicious activity. Do not shut your computer down but call XXXX. I called this number and a girl named XXXX who said she was from XXXX XXXX  fraud team and they have noticed suspicious activity that could be getting into your bank accounts. She said this indicates you have been hacked but this would take some time to change the IP address and resecure the computer. She indicated I should contact my bank to see if there have been fraudulent charges and offered to put me in touch with them at Capital One A man named XXXX then answered the phone indicating he was with Capital One fraud team. He told me there was a {$7000.00} charge for XXXX XXXX and {$9900.00} charge for on line gambling. He indicated they could fix these but we had to act quickly and told me how much credit I had left on my personal credit card. He stated we would have to get XXXX on these secure gift cards, close the original account and they would get me a new card after XXXX XXXX  fixed the IP address and the money would be transferred from the gift cards onto the new secure card. He then put me in touch with supposedly a Capital One employee who would work with me through the process. 
this happened and he stayed on the phone with me while I went around the area and secured gift cards totalingXXXX. After I got the first batch of gift cards he then explained I would need to scratch off the codes on the back of each card and give it to them so the could credit my new account. I realized to late the fraud and talked with Captial ONe and XXXX the same day I purchased the cards but they had already taken the money off the cards and indicated there was nothing they could do. XXXX did check on a couple of the cards and they were used at a XXXX in XXXX. 

I still have all the cards and here are the names and numbers of the people that contacted me in this scam XXXX XXXX woman-XXXX  XXXX XXXX XXXX ext XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX I understand this is my own stupidity for not following a procedure I have but I wanted you to know and if there is any possibility of tracking these bandits I would be happy to work with you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Carter-Young, Inc.
State: NC

Complaint narrative:
This what I sent to Carter-Young , Inc . 

Account Number : XXXX " If you can't provide proof of ALL : 1 ) The Original Contract with my wet signature applied to it 2 ) The Creditor Information ( Name, address, and phone number ) 3 ) The Payment History and the itemized billing associated with the account 4 ) Proof that you Carter- Young Inc. are authorized to collect the debt from me.

Then the debt is not valid.

In the attachment Carter-Young Inc. sent to me I did not see any document with my Wet signature applied to it linking me to this alleged debt. I do not see an attached document with my Wet Signature applied to it between Carter-Young Inc. and I, explaining that Carter-Young Inc may collect on an alleged debt. I do not see an attached itemized billing associated with the account. I am now reporting you to the CFPB because I have tried to have you guys show proof of how you ( Carter-Young Inc. ) validated this alleged debt and you have yet to respond. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 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: NC

Complaint narrative:
They lied again they didnt do an investigation, lol at my complaint- I am disputing another company then they are replying about! the XXXX  at Equifax strike again! Fake!! 

Read this complaint! XXXX. They are on XXXX  or something this is getting worse everyday!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
Was Havely in debt and despite making payments larger than my minimum payments I was never having my balance smaller and my balance continued to increase. I cashed out my XXXX XXXX  account and paid my penalties for doing so, to pay off my credit card with citi bank. I asked for a payoff quote and I was told my balance of {$25000.00} is my payoff quote. I made the payment for full {$25000.00} and my account was XXXX balance until few days ago, I get a new statement from citi bank asking for additional {$220.00}. I called citi bank and explained to no avail, I requested to speak with their supervisor to no avail. Citi bank gives you a so called payoff quote which is the current amount balance and then tag the consumer with additional fees and interest. This is not right and we the consumer work hard for our money, I should not get robbed by some corporation who cant eat {$220.00} for their mistake. The daily compound interest is always calculated into the payoff quote, not added after the account balance has been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 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: NC

Complaint narrative:
This is the complaint number that I just received a response from Experian XXXX They lied and said that was a duplicate of this. 
XXXX They are liars please start an investigation.

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 2022-10-31 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am a victim of identity theft, here are the hard inquiries listed below : XXXX XXXX XXXX, MXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2022-10-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately : The following personal information is incorrect : XXXX XXXX XXXX XXXX, GA XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX

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 2022-10-31 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately : XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX

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 2022-10-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: VT

Complaint narrative:
First, there is no way I can find to contact MOHELA right now -- they never answer the phone and I can't find any other way to contact them. 

MOHELA says I owe over {$430000.00} on three separate loans. My FSA account says I only owe about {$240000.00}. The information does not agree. What is the true amount? 

XXXX split my XXXX loan into TWO parts is what XXXX told me. Then XXXX told me MOHELA would have to fix it. I should be getting some form of XXXX or XXXX, due in part to spending most of the time since XXXX in some kind of forbearance or hardship deferment, but if the XXXX  forgives only {$240000.00}, will MOHELA still bill me for " the rest? '' I would like the information to at least agree. 

By the way, I " only '' borrowed around {$130000.00}, the rest of that balance is interest capitalized from spending years and years in forbearance. XXXX kept me in forbearance for at least ten years in a row from XXXX through XXXX. I'm in the XXXX program and have been public servant since 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 2022-10-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: WI

Complaint narrative:
The worst thing that has ever happened to me in my entire life was my home loan being sold to XXXX XXXX. The second worst thing was XXXX XXXX committing fraud and giving me a false late payment on my credit report. My loan was sold early this year. In XXXX of XXXX I used my banks bill pay system to make my mortgage payments. The address used XXXX  unbeknownst to me In XXXX of XXXX XXXXXXXX XXXX reported a late payment on my credit report causing me to loose over XXXX points. I had began using bill pay via my bank and my bill pay check was sent to their alternate address instead of their main address where they process payments. My bill pay was sent to XXXX XXXX XXXX XXXX XXXX, TX XXXX. I called them many times to explain this over & over to different people. I kept getting the run around & none of them understood me or would get my story right. I would get cut off & they would tell me so this is what you mean- & still get it wrong. They kept putting me on hold for sometimes up to 45 minutes at a time & then would say we will send you a letter with our decision. Each time they dismissed me & refused to remove this false late payment off of my credit report. I am demanding the company to do the right thing, resolve this issue, and repair my trust with this company & remove the late payment from my credit report. Yes, as soon as I contacted my bank & XXXX XXXX, & learned that my payment was sent to one of their wrong addresses I immediately sent payment out to the company - & began trying to figure out a way that we can remedy this minor mistake to no avail. This is frustrating & has caused me to miss out on things that could financially assist my family & I. I want this false information removed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 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: NC

Complaint narrative:
This is not a duplicate, two identical bills both they see being reported differently, See if the XXXX  at equifax can figure it out Equifax and XXXX  According to the fair credit reporting act, any data being report ed to my credit file must be fair, accurate, and complete. Also the accounts being collected must be validated. I have complained and filed disputes for these in the past for months and all the credit bureaus have lied and not conducted investigations or you would of read the documentation And saw what this creditor sent to me showed that they did not have any validation documentation prior to XX/XX/2022. They lied to you and you lied to me because you did no investigation ans you havent read the disputes and the supporting documents or you would have already taken action against these criminals. And the documentation they did provide from the XXXX letter is a XXXX violation and is null and void and none of you are suppose to see a federal protected document like that even if it were legit but they made it up themselves almost 5 years too late!

Company response to consumer: Closed with explanation