vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Elevate Recoveries, LLC
State: OR

Complaint narrative:
This letter is to dispute a debt byELEVATE RECOVERIES LLC which is now on my XXXX Credit Report. On XX/XX/ I was notified by a credit tracking program that a new debt was added to my credit report. The debt is the same listed from XXXX XXXX XXXX ( see attachment ) date from XX/XX/XXXXby Original Creditor : XX/XX/XXXXXXXX XXXX XXXX. Acct # XXXX Creditor Account # XXXX Amount owed : {$790.00}. 

As of today, I have never received any communicationfrom Elevate Recoveries LLC regardingthis matter. In addition, this is the same complaint and old debt that was closed in XX/XX/. The last new creditor listed was XXXX XXXX XXXXXX/XX/XXXX.I completed this complaint with CFPB on XX/XX/XXXXwas notifiedit was referred to the Federal Trade Commission. I am not sure why the debt that has been closed is being sold over and over again to multipledebt collectors. This does not seem lawful especiallywithout any communicationto the consumer that this takes place or giving me a chance to request information regarding this debt which was not provided to myself or my lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: KY

Complaint narrative:
Flagstar continually harasses my XXXX brother and has refused to fix the system errors that cause the issues. He had to switch banks a few months ago and we set up online to make auto payments from the new account. We were told Flagstar system kicked it out due to it not matching their previous information for him. He asked to speak to a supervisor to get it cleared up and was told they could not do that. I did file a complaint with Flagstar concerning that issue as well. He asked me to help after becoming so distraught by the actions of this company. I started advocating on his behalf XXXX. Since then I have conference called with my brother on XXXX, XXXX, XXXX, and XXXX. I have sent in proof of payment twice now to 2 separate emails provided to me by Flagstar. I finally got to speak to a supervisor ( XXXX ) XXXX and he was not helpful other than to say we needed to send in proof of payment, being a copy of an endorsed check cashed by Flagstar. I did explain several times, the payment was made over the phone due to previous issues out of our control. I even gave him the confirmation numbers we were given at time of payment. He said his supervisor ( XXXX  ) was on leave without an ETA on when we could speak to her. I contacted his bank and they told me to send bank statements with other personal information blacked out and they were happy to conference call with them to verify payments deducted from his account. As soon as we get issues cleared up for one month, they start all over again and employees insist he hasn't made his payments and trying to talk him into filling out forbearance paperwork due to Covid. He does not need forbearance. He can pay his payments and does pay his payments. He is told each time he tries to make a payment that he can not for the month because the system says he is past due, and as soon it's cleared up and he makes a payment over the phone, he is told he can not set up for auto pay due to having just made a payment. I am at a point I am reaching out to get assistance from anyone who can force this company to quit preying on my brother. We will transfer his loan to VA asap and hope to never deal with this again and to never see or hear of anyone having to go through this again.

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 2020-12-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Source Receivables Management LLC
State: IL

Complaint narrative:
I am writing to file a complaint against XXXX. I attempted to settle this account twice though XXXX. XXXX and XXXX XXXX. With XXXX. XXXX, I made a counter-offer to a their offer and sent money. The money was sent back and requested full payment. I requested a cease of communication from the collection agency. I disputed via XXXX  and it was removed from credit report on XX/XX/20. With XXXX XXXX, I received a phone call and I explained the aforementioned. The customer service representative made an offer. I requested for the offer to be put in writing. I never received the offer and the account appeared on my credit report. I requested a cease of communication from the collection agency. I disputed via XXXX  and it was removed from my credit report on XX/XX/20. With Source Receivables Management, I received a notice and I responded explaining the aforementioned. I never received a response or a bill. Instead, it later appeared on my credit report. In the recent dispute, the results verify the same account in the two previous disputes as accurate on XX/XX/20, where previously they were removed. I do not agree with the practices of the creditor to collect a debt when I have responded to all their notices/calls to settle debt. I have requested a cease of communication from the collection agency. The practices XXXX have exercised deterred my credit, which is what I was trying to avoid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LJ Ross Associates
State: TX

Complaint narrative:
On XX/XX/2020 I sent certified mail correspondence to the company requesting validation and proof of contract to substantiate their claim. They have not responded to my request. The company also never contacted me prior to furnishing information on my credit report.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I am receiving mail from a collection agency at an address in Delaware that I never resided at for a credit card account that was opened in XXXX. The account was paid in full in XXXX with a home refinance. The account is 19 years old and too old to collect on if it wasn't paid off. they were notified by me that I do not reside at the Delaware address, that that is no longer my last name and that I do not know what they are talking about and gave them my correct address to contact me. they responded in writing to Delaware address with a copy of a credit card offer I filled out in XXXX with all of my vital information including social security number written on it and not redacted any of it to prove I owe this debt. all that proves it that I applied for a credit card in XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have contacted Experian by mail about the credit card usage percentage that is incorrectly reporting. I have not received a response about the credit usage.

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 2020-12-30 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: EQUIFAX, INC.
State: RI

Complaint narrative:
XXXX XXXX XXXX is reporting inaccurate information to Equifax. I contacted them and they claim Equifax has all information, and has to remove the item. I explained that it was already taken cared of by XXXX XXXX and XXXX, but still showing on Equifax. Equifax online dispute site has been down and no one helps. This account is a very old account paid in full. Please remove this account from my credit report. This account is paid in full. Contact XXXX XXXX in XXXX IL. If you need verification..,, thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I had two accounts with Chase bank. Check close of the checking accounts without notice and took the {$900.00} that was in the account without consent. When I tried to call chase customer service without this matter all I get is the run around. With no answers about my money. Also Chase recently charged my account {$34.00} overdraft fee for every transactions that hit my account. Not only is Chase stealing from their customers this XXXX XXXX bank is abusing their customers. I plan to take legal action against this bank

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-30 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Netspend Corporation
State: TX

Complaint narrative:
THIS IS AN EMERGENCY!!! 

NetSpend Prepaid Visa ( backed by XXXX ) has completely shut down. Nobody has access to their money. ALL transactions are being declined. The website is down. The customer service numbers are completely disconnected. This is scary. It is XX/XX/XXXX. People need to pay rent. I understand that they are probably being inundated with stimulus checks, but they KNEW these checks were coming. They should have prepared themselves. Now their systems have crashed and they disconnected their phone, so they don't have to talk to us. NetSpend has two customer service numbers. XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. BOTH numbers are disconnected. The number to XXXX is XXXX XXXX XXXX XXXX XXXX. Nobody answers the phone. People need to pay rent. The federal government needs to investigate NetSpend/XXXX, because they can't just disconnect their phones when they neglect to prepare themselves for something that they KNEW was coming.

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 2020-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Synergetic Communication Inc
State: PA

Complaint narrative:
Received a letter from synergetic communication, inc. stating their client XXXX XXXX XXXX XXXX turned a debt over to them that was originally owned by XXXX. I don't know what debt this is referring to and have not received any other communication regarding this debt of {$5600.00}. They offer a discounted payment of {$1400.00} if paid by XX/XX/21. I am not sure if this is real or a scam. 


XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 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: NY

Complaint narrative:
My name is XXXX XXXX I am writing to delete the following information off 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 the items to be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed enclosed copies of the Commissions Identity Theft Affidavit. Please delete these items as soon as possible. These negative remarks are hindering me in attaining not only a mortgage but also a car loan.

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 2020-12-30 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: NY

Complaint narrative:
My name is XXXX XXXX I am writing to delete the following information off 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 the items to be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed enclosed copies of the Commissions Identity Theft Affidavit. Please delete these items as soon as possible. These negative remarks are hindering me in attaining not only a mortgage but also a car loan.

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 2020-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
In XX/XX/2020, we issued a check for {$3000.00} to a law firm using Bank of America 's billpay service. They mailed a physical check to them. 

Somewhere, the check was intercepted, and deposited by a third party. We do not know who it is, but the cancelled check has their bank account information. 

The check was never endorsed by anyone, so it was never properly payable, and should never have been accepted as a deposit. According to the UCC, we are not liable for this banking error. 

We have been trying to resolve this with Bank of America for nearly six months now, and have gotten nowhere. The liability is clearly on them, and we are due an immediate refund for the {$3000.00} for the improperly accepted check. They are dragging their feet regarding " research '' and have missed every resolution deadline they promised. 

The bank clearly owes us {$3000.00} for their error. Checks CAN NOT be deposited when they are not endorsed.

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 2020-12-30 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: AR

Complaint narrative:
On XXXX I sent my disputes to the bureaus and as of today over 60 days later I have not received a response back pertaining to the misleading unverified accounts that I listed within my letter. I know we all make mistakes but this has truly caused stress in my life and I personally do not understand why I am being ignored I know that the bureaus receive thousands of letters each day therefore i am requesting a full independent investigation of the accounts i mentioned. I also discovered that I was apart of the equifax data breach so it is possible that my information got into the wrong hands. Thank you for promptly responding to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 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: AR

Complaint narrative:
On XXXX I sent my disputes to the bureaus and as of today over 60 days later I have not received a response back pertaining to the misleading unverified accounts that I listed within my letter. I know we all make mistakes but this has truly caused stress in my life and I personally do not understand why I am being ignored I know that the bureaus receive thousands of letters each day therefore i am requesting a full independent investigation of the accounts i mentioned. I also discovered that I was apart of the XXXX  data breach so it is possible that my information got into the wrong hands. Thank you for promptly responding to my request.

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 2020-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: USI Solutions Inc.
State: PA

Complaint narrative:
Received a letter from XXXX XXXX XXXX stating their client USI Solutions , Inc turned a debt over to them that was originally owned by XXXX. I don't know what debt this is referring to and have not received any other communication regarding this debt of {$5600.00}. They offer a discounted payment of {$1400.00} if paid by XX/XX/21. I am not sure if this is real or a scam. 


XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FinCo Services Inc DBA Current
State: OK

Complaint narrative:
XX/XX/XXXX I moved XXXX from my bank to my daughters Card account with Current. As of XX/XX/XXXX the funds have been taken from my bank by current  but Current  has not posted them. A Current  rep via chat advised me this am they had my funds and it should post any minute. The funds never posted. I contacted Current  again and was told it would hold for 5 days. They said they did not have the funds but the first agent said they did and the funds have indeed cleared my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have disputed the following false accounts with the credit bureaus but have not received and response : 1. XXXX XXXX account XXXX 2. XXXX XXXX XXXX account XXXX 3. XXXX XXXX account # XXXX 4. XXXX  XXXX account # XXXX 5. XXXX XXXX XXXX account XXXX Please investigate and delete asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ENOVA INTERNATIONAL, INC.
State: DE

Complaint narrative:
Re : NetCredit false Statements To Whom It May Concern : Below are screenshots of me continuing to receive false statement email notifications when my loan has been paid off since XX/XX/2020 and I didnt take out any additional loans. I also sent NetCredit an email on XX/XX/2020 to stop sending me emails because I dont have a balance, but I didnt receive any response and continue to receive email notifications. 
See screenshots below.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 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: FL

Complaint narrative:
I have disputed the following false accounts with the credit bureaus but have not received and response : 1. XXXX XXXX account XXXX 2. XXXX XXXX XXXX account XXXX 3. XXXX XXXX account # XXXX 4. XXXX  XXXX account # XXXX 5. XXXX XXXX XXXX account XXXX Please investigate and delete asap.

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 2020-12-30 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: CA

Complaint narrative:
Today XX/XX/XXXX, I pulled a free credit report from TransUnion and found multiple " Promotional Inquires '' from a company called XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I never requested these and this is being done without my permission. When XXXX  the company at the XXXX location, it is clear to see that I am not the only person getting my credit " spammed '' by this company. 
Here are the " XXXX XXXX '' that show on my credit report. 
XXXX XXXX XXXX XXXX, XXXX, CA shows one inquiry on XX/XX/XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX, CA shows six : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
I called today to ask them to stop making inquires on my credit. They said that someone would get back to me. But from the XXXX reviews, that is also what they usually say to those who ask them to stop.

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 2020-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Equifax rescinded on their offer for free credit monitoring based upon their data breach settlement. I recently was made aware of a collection on my credit score and Equifax failed to alert me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 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: CT

Complaint narrative:
I sent in disputes to credit bureau on my complaints of all the incorrect and false information and I never received the results to my disputes. They all received my disputes and I have the certified mail tracking number as well as the dates and time the letters were received. 

Equifax tracking : XXXX XXXX XXXX XXXX XXXX received XX/XX/20 at XXXX

Company response to consumer: Closed with explanation