vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-18 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: DISCOVER BANK
State: KY

Complaint narrative:
I applied to a 2nd mortgage thru Discover loans recently on line. I was mailed the loan application and received it on XX/XX/XXXX. I gathered all information they said was needed, signed all necessary pages and returned the application through the US postal service 3 day on XX/XX/XXXX ( which they should have received on XXXX XXXX ) I have not at any point during this application process received any correspondence via email, phone call, or US mail from Discover Loans asking for additional information or concerning any problems with my application, but today on XX/XX/16 I receive an email from them stating that they have been trying to contact me and due to not being able to do so have closed my file and that I am free to start this process all over again. Again I repeat, at no time have has discover card reached out to my in anyway about anything. The obviously have my information on how to reach me ( I got the email when I started the process and one when they closed it but not a word from them in between ) Which leads me to question what really is the issue

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
In XX/XX/XXXX, I responded to a letter about credit cards from XXXX XXXX. XXXX XXXX sold the account to Portfolio Recovery and I advised them that the amount claimed owed from XXXX XXXXXXXX was inaccurate because payments/refund from a cancelled cruise in XX/XX/XXXX was credited to the account. I also wrote to XXXX XXXX in XX/XX/XXXX. Both responded as if no payments were returned to XXXX XXXX. Portfolio Recovery provided copies of billing statements up to XX/XX/XXXX, and did not provide any statements showing credit/payment for the cancelled XXXX cruise. 

I just discovered that Portfolio Recovery have reported the account to XXXX even after failing to validate the amount owed during the validation period,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Risecredit, LLC
State: TN

Complaint narrative:
I got a call from a collection about this debt that I still dont know where it came from or how it got pend on me because this was not mine. But this collection agency wanted to settle for {$3000.00} so I paid it 2yrs ago and it is still on my credit. Im really modified to get this off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint narrative:
He buy things from me online and said min trasnfer is XXXX So he sent XXXX and ask me to unlock transaction by XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 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: CA

Complaint narrative:
I sent letters to all 3 credit bureaus on XX/XX/21 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 40 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
portfolio recovery placed an account on my credit report without notifying me about the account. I have tried numerous times to get information about this account and this company has refused to give me any information about the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 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: VA

Complaint narrative:
On various websites, XXXX XXXX keeps showing up as me - XXXX XXXX XXXX I was adopted and the only people I am related to are XXXX XXXX XXXX and XXXX XXXX of XXXX, WV. I was born in XXXX to a woman named XXXX and her last name was and is not XXXX, so it's not related. This woman tried to use my XXXX policy to report accidents to my XXXX account and it took me forever to prove the accidents were not me but her mixed with my identity. My social is XXXX XXXX XXXX. My address is XXXX XXXX XXXX XXXX XXXX va. I've never known this woman or any XXXX. SHe is a fraud and I need someone to detach my name from her as she has had accidents, lived in addresses I've never lived at, and it effects verification checks like on XXXX. When I try to answer questions to verify my ID, I get all but 1 wrong because of her fraudulent activity. Please help me XXXX is my old number to prove more verification. But now its 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 2021-10-18 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: CCS Financial Services, Inc.
State: NY

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that Bureau efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureau is reporting inaccurate information on CREDIT COLLECTION SERV ( Original Creditor : XXXX  ). Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In XX/XX/XXXX, I responded to a letter about credit cards from Capital One. Capital One sold the account to XXXX XXXX and I advised them that the amount claimed owed from Capital One was inaccurate because payments/refund from a cancelled cruise in XX/XX/XXXX was credited to the account. I also wrote to Captial One in XX/XX/XXXX. Both responded as if no payments were returned to Capital One. XXXX XXXX provided copies of billing statements up to XX/XX/XXXX, and did not provide any statements showing credit/payment for the cancelled XXXX cruise. 

I just discovered that XXXX XXXX have reported the account to XXXX even after failing to validate the amount owed during the validation period,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX, XXXX, and XXXX Credit Bureaus are reporting inaccurate information on SYNCB/XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-18 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: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
On XX/XX/XXXX and on XX/XX/XXXX XXXX XXXX has reported on my account, collection agency ARS added a derogatory remark on my credit report per XXXX XXXX  and XXXX. Upon, further research, this account was transferred/sold and I was not provided with any documentation of proof that I am responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, ARS has violated my rights as a consumer and I'm requesting legal action to remove this account 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 2021-10-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
Citibank continues to delay crediting the advertised/promised bonus to my account ... .supposedly, they are " researching '' the issue... .without a doubt, this is the worst bank that exists ... ..they lie, delay, and are unethical!

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 monetary relief
Consumer complaint received 2021-10-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NCB Management Services Inc.
State: TN

Complaint narrative:
Got a call from a collection agency wanting me to pay a debt that I didnt know about, but I investigated it and it had been on there for a long time but I didnt fell like it was mine because I have never taken out a payday loan in my life. Collection agency kept calling and I wanted this gone so we settled on {$3000.00} and I payed it in one payment and that was 2yrs ago and its still on there. I willing to do whatever to get this off of me. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 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: Real Time Group, Inc.
State: NY

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX and XXXX Credit Bureaus are reporting inaccurate information on REAL TIME RESOLUTIONS ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: KS

Complaint narrative:
HELLO MY NAME IS XXXX XXXX AND THIS IS MY SECOND ATTEMPT ON TRYING TO RESOLVE THIS MATTER WITH MIDLAND CREDIT MANAGEMENT. PLEASE READ THE FOLLOWING NOTICE THOROUGHLY AND CAREFULLY BEFORE RESPONDING. IT IS A NOTICE. IT INFORMS YOU. IT MEANS WHAT IT SAYS. FOR THESE REASONS IT IS RECOMMENDED THAT YOU CAREFULLY CONSIDER THIS NOTICE AND RESPOND IN SUBSTANCE, WHICH MEANS ACTUALLY ADDRESSING THE POINTS RAISED HEREIN.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FRANK & ISRAEL LTD.
State: NY

Complaint narrative:
I pulled my credit report in XX/XX/2021. I saw a collection that I had no idea was on my report. I sent a validation request to the collection agency ( certified mail ) on XX/XX/2021 ( attached letter ). I submitted a follow up letter request. 

I have received no response, and this needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
This charged off account is on my XXXX report.which I have no prior knowledge of.which was opened fraudulently and under the FCRA 15 usc section 1681. Must be removed immediately.if not will be included in litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CURO Intermediate Holdings
State: KS

Complaint narrative:
HELLO MY NAME IS XXXX XXXX AND THIS IS MY SECOND ATTEMPT ON TRYING TO RESOLVE THIS MATTER WITH AD ASTRA RECOVERY SERVICES INC. PLEASE READ THE FOLLOWING NOTICE THOROUGHLY AND CAREFULLY BEFORE RESPONDING. IT IS A NOTICE. IT INFORMS YOU. IT MEANS WHAT IT SAYS. FOR THESE REASONS IT IS RECOMMENDED THAT YOU CAREFULLY CONSIDER THIS NOTICE AND RESPOND IN SUBSTANCE, WHICH MEANS ACTUALLY ADDRESSING THE POINTS RAISED HEREIN.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Fidelity National Financial, Inc
State: AZ

Complaint narrative:
As part of a home loan refinance closing in early XXXX, the closing agency sent a payment amount of {$140000.00} to XXXX as a payoff for student loans. This payment included an overpayment of {$390.00} that was returned to the closing agency in XXXX. On XX/XX/XXXX, I reached out XXXX XXXX XXXX and Fidelity National Financial to clarify the payment amounts and confirm that the overpayment should be sent to me. On XX/XX/XXXX, I was told that this overage amount would be refunded to me " via XXXX tomorrow. '' On XX/XX/XXXX, I contacted XXXX XXXX  and Fidelity National Financial as these funds still hadn't been received and I was told that the funds had been sent and they were trying to locate a tracking number. No tracking information was ever given. On XX/XX/XXXX, I spoke with Fidelity National Financial and was told that the initial check would be cancelled and a new payment would be issued, and I was given a tracking number with an estimated delivery date of XXXX XXXX. On XX/XX/XXXX, the check hadn't arrived, and I contacted Fidelity National Financial to ask how they would like to proceed, but have yet to receive a response. As of XX/XX/XXXX, this still overage check still hasn't been received.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
On XX/XX/XXXX in the amount of {$1100.00} on my American Express credit card I disputed the amount as the merchant didnt delivered the service. They closed my case on XX/XX/XXXX without any update to me. What I found about the merchant that they are a scam once they receive your information and charge they stop responding to you and try to manipulate cases Via XXXX to win.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC
State: IA

Complaint narrative:
HELLO MY NAME IS XXXX XXXX AND THIS IS MY SECOND ATTEMPT ON TRYING TO RESOLVE THIS MATTER WITH ABILITY RECOVERY SERVICES. PLEASE READ THE FOLLOWING NOTICE THOROUGHLY AND CAREFULLY BEFORE RESPONDING. IT IS A NOTICE. IT INFORMS YOU. IT MEANS WHAT IT SAYS. FOR THESE REASONS IT IS RECOMMENDED THAT YOU CAREFULLY CONSIDER THIS NOTICE AND RESPOND IN SUBSTANCE, WHICH MEANS ACTUALLY ADDRESSING THE POINTS RAISED HEREIN.

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 2021-10-18 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: FL

Complaint narrative:
Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: IA

Complaint narrative:
HELLO MY NAME IS XXXX XXXX AND THIS IS MY SECOND ATTEMPT ON TRYING TO RESOLVE THIS MATTER WITH COMMONWEALTH FINANCIAL. PLEASE READ THE FOLLOWING NOTICE THOROUGHLY AND CAREFULLY BEFORE RESPONDING. IT IS A NOTICE. IT INFORMS YOU. IT MEANS WHAT IT SAYS. FOR THESE REASONS IT IS RECOMMENDED THAT YOU CAREFULLY CONSIDER THIS NOTICE AND RESPOND IN SUBSTANCE, WHICH MEANS ACTUALLY ADDRESSING THE POINTS RAISED HEREIN.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 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: EQUIFAX, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX and I am a victim of identity theft and did not authorize these changes to my credit report. I am writing to delete the following information off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capital Accounts, LLC
State: IA

Complaint narrative:
HELLO MY NAME IS XXXX XXXX AND THIS IS MY SECOND ATTEMPT ON TRYING TO RESOLVE THIS MATTER WITH CAPITAL ACCOUNTS. PLEASE READ THE FOLLOWING NOTICE THOROUGHLY AND CAREFULLY BEFORE RESPONDING. IT IS A NOTICE. IT INFORMS YOU. IT MEANS WHAT IT SAYS. FOR THESE REASONS IT IS RECOMMENDED THAT YOU CAREFULLY CONSIDER THIS NOTICE AND RESPOND IN SUBSTANCE, WHICH MEANS ACTUALLY ADDRESSING THE POINTS RAISED HEREIN.

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 2021-10-18 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: CA

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 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: Professional Finance Company, Inc.
State: CO

Complaint narrative:
I had a medical bill recently go to collections. I agreed to pay the debt on my next pay day and I just found out that they are flagging my credit report weekly and harassing me which is illegal. The company is called Professional Finance in XXXX, CO and I have a screen shot from my credit report showing the weekly flagging.

Company response to consumer: Closed with non-monetary relief