vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-01 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Professional Placement Services, LLC
State: NJ

Complaint narrative:
My medical bill from XX/XX/2019, which I thought was resolved by my insurance, was sold to a collection agency without my awareness. I never received any correspondence about this bill having been sold to a debt collector until it showed up on my credit report, taking my score down by almost 100 points. When I saw the debt report and called them, they admitted to having an error in my address that would have made it impossible for them to reach me. I paid the debt IMMEDIATELY upon hearing about all this, and I need this resolved and taken off my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Experian Credit Agency is reporting IN- Formation that's in correct on my file which I've disputing with XXXX  & Experian it has been removed from XXXX XXXX but still reporting on Experian.

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 2021-05-01 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: FL

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 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: FL

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I have had immense hardship over the years due to the fact I was a poor XXXX XXXX and had no conception of what credit was, and how important it is. As time went on my knowledge about how credit works has grown tremendously and my credit score is affecting my ability to get access to capital needed to fund a business, or buy a home. I have reached out to Capital One about my late payments on the dates of : XX/XX/2019 XX/XX/2019 XX/XX/2019 XX/XX/2019 XX/XX/2019 And explained to them my hardship in an attempt to get the payments forgiven for the months of the hardship. I had family in the hospital and I simultaneously had to go myself. It was a dark time and I have grown and achieved more stability and I believe payments from 2 years ago shouldn't still affect my credit. I commend Capital One for removing the other payments. But I want them to remove the rest of the late payments so I could then qualify for more credit with them and continue to do good business. I want them to grow with me, and aid me in my growth. If they removed these late payments it will help me tremendously. I have paid the card down to 30 % utilization and it will soon be down to 2 %. In less than 30 days my credit has gone from XXXX to XXXX, which is indication of how serious I am about improving my credit score. 

I really hope Capital One removes my late payment history simply due to the fact it'll never happen again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BSI Financial Holdings, Inc.
State: CA

Complaint narrative:
I changed financial servicing companies as BSI Financial Services lousy service was an issue i moved my account for my home to another institution, my BSI loan was paid in full and confirmed. 

Yet BSI has and is withholding mu refunds as they have again and again overcharged me now owing me over {$620.00} i asked when and why they are holding MY MONEY, the answer was " Yes he got the wired funds and they cleared the banks, but BSI has a " Reputation '' of keeping large sums of monies from people like your self to make more on % until we are forced to refund funds to those we owe '' I find this reprehensible, illegal and demand my over-payment funds be returned to me ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: VA

Complaint narrative:
I would like to file the claim with DISCOVER BANK, who recently closed my account without any notice. This is my oldest credit card with over 10 years billing history. I was trying to solve this issue with the bank directly, but to my surprise, they did not cooperate and stated that it is the '' business decision '' they conducted regularly. I am very confused because they did not even disclosure any of the specific reasons on why my account being closed, either give me any opportunities to explain the situation. I thought it maybe relates to my recent disputes with XXXX XXXX, which I disputed for the items returned but no refund. However, since the cases are still open, I did not think it is appropriate for the bank to close my account directly without solving the issues. Actually, The merchant has already provided the proof of return from XXXX, and the case will be solved soon ( as attached ). Therefore, I felt extremely upset and have to file this claim with DISCOVER Bank for the further investigations. Appreciate if CFPB could step in and negotiate with the bank directly and reopen the account on my behalf. Thanks in advance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BBVA FINANCIAL CORPORATION
State: FL

Complaint narrative:
i am a victim of an organized fraud where {$49000.00} was stolen from me. The thieves opened up accounts with my info to buy property in new jersey but instead never received the property and eventually disappeared. The company worked with XXXX XXXX  who opened up this account with bbva with my info then told me to pay them XXXX for opening the account and that this is coming from them but asked me to pay it on the account she opened. The lady name XXXX who worked for XXXX told me that XXXX XXXX and her work all the time and that i can trust them. now the bank wants this money back but this fund was transferred from the loan they opened to the debit card and paid with that money. i have a police case for this fraud and is disputing all charges to give back the loan money they stole from me. i am attaching the bank declining the dispute and the police report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
Wells Fargo violted CARES Act by reporting late payment despite me setting up a payment plan while current. I contacted Wells Fargo to discuss payment options as I was needing Covid assistance. Wells Fargo customer service set me up on a payment plan. The account. Was current at the start of the payment plan. According to the CARES Act, if a consumer notifes the lender while still current and makes arrangements, subsequent payments can't be marked as late. This is strictly required as part of the CARES Act. Additionally, not pandemic or natural disaster notation was reported. This failure to follow CARES Act procedures, or add a natural disaster note has caused me irreversible damage to my credit report by causing me to be denied for additional credit. Washington COVID-19 PANDEMIC ( XXXX ) Incident Period : XX/XX/2020and continuing. Major Disaster Declaration declared onXX/XX/. Washington COVID-19 ( XXXX ) Incident Period : XX/XX/XXXX, XXXXand continuing. Emergency Declaration declared onXX/XX/2020.

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 2021-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: KS

Complaint narrative:
We paid off a mortgage in XX/XX/2018 to Select Portfolio Servicing. When they sent the deed to the state it had the wrong Legal description. We are trying to sell the property and can't due to the legal being wrong. 

I have placed over 15 calls to Select Portfolio Servicing and they keep telling me they don't have an answer. 

We are going to lose the sale of the property and lose the new property we are trying to purchase. 
What are my rights? 
XXXX  XXXX Select Portfolio Servicing XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, UT 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 2021-05-01 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: NY

Complaint narrative:
Attention to XXXX  and Transunion : I am a victim of Identity theft. There is a fraudulent collection account that is reporting on my credit report that I need removed expeditiously. I filed an Identity theft report with the federal trade commission which I will upload along with proof of my Identity. I am in the process of renting a property and this has tanked my credit score. It is a defamation of my character. I am urging you to please help me resolve this manner. In order to qualify for a block, Appropriate proof of my Identity which is uploaded. A copy of an identity theft report which is also uploaded. The identification of such information by the consumer which is on the identity theft report. This collection account is not information relating to any transaction of mine.

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 2021-05-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Service Center, Inc.
State: OH

Complaint narrative:
I have asked that this company send me written verification of this debt owed, including account numbers, dates of service, and any other pertinent information so I could truly verify that I owe this debt. I want to be able to contact both the rendering facility and my insurance provider to be sure that this debt is not owed. This company also reports the same debts multiple times on my credit report and will remove and reage the debt and then report it again on my credit report. I receive zero communication from this collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
My Occupation on my credit reports say XXXX XXXX XXXX and XXXX XXXX '' but that isn't my place of employment. Furthermore, I have two incorrect inquiries on my credit report. XXXX and XXXX. I have already tried once to get this taken care of, I don't want to have to pursue legal action to get fraudulent inquiries 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
Consumer complaint received 2021-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
My Occupation on my credit reports say XXXX XXXX XXXX and XXXX XXXX '' but that isn't my place of employment. Furthermore, I have two incorrect inquiries on my credit report. XXXX and XXXX. I have already tried once to get this taken care of, I don't want to have to pursue legal action to get fraudulent inquiries 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 explanation
Consumer complaint received 2021-05-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Since opening my XXXX XXXX  account and making gift purchases they have put a restriction on my account. Every day for the past month I have sent the requested documents to XXXX XXXX Card and they keep advising me that they cant verify my information. I last spoke with XXXX rep ID XXXX and when I suggested that I mail the documents she kept going around in circles stating that they cant verify my information. I am currently enclosing the information XXXX XXXX Card is requesting in this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 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: NJ

Complaint narrative:
I am writing to delete the 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 Commission 's Identity theft affidavit. I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house and a car to provide for me and my daughter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
An authorized inquiry was found on my credit report and after requesting the initial source to investigate and have it removed, they didn't. Instead I was sent a rebuttal letter ( lazy letter ) instead of providing the written proof of authorization.

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 2021-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: FL

Complaint narrative:
I never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Statebridge Company
State: SC

Complaint narrative:
Statebridge debt correct has hit my credit an droped it saying i was 30 days late on a payment i tryed to reach them for monthe no answer to emails calls or call backs to take my payment tryed to pay on line and saids we didnt have your info so i reach out to XXXX  to get them to contact me still no calls got plent of paper trails where they tryed also to reach out to them. Finally got a call back an was told sir im not here ro fix ur mistakes and no you can not talk to my boss, so i need this credit issue fix cause they finally took my pyments after yelling am cussing an they hit me again

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: FL

Complaint narrative:
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 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: CREDIT ACCEPTANCE CORPORATION
State: NC

Complaint narrative:
I have submitted documentation to Credit Acceptance and to all Credit reporting companies regarding the issue. 
I paid off my vehicle in full on XX/XX/2021 at which payments or due on the XXXX of each month and I received a letter confirming that the loan was paid off in full which was dated XX/XX/2021. However this company reports that my payment made in XXXX was late which it was not. I have contacted the credit bureaus and received no resolution even after providing copies of bank payment, contract with company, payment confirmation and closed account letter indicating that the payoff was made in time on time well before the due date.

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 2021-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: NC

Complaint narrative:
Company closed my account with no warning after 4 or 5 years of having the account in good standing. They will not provide a reason for the account closure and will not issue my funds to me in a timely manner. They are holding all of my funds from my direct deposit from my job. I have no other funds available to me, and now have no way to access my money. After speaking with the company, they would only say they had the right to close the account at any time for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 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: FL

Complaint narrative:
erroneous and inaccurate information is being reported on my credit reports. I informed the credit bureaus of the problem and sent documentation proving such. The accounts are reporting different information on each of the credit reports for the same account for things such as balance, date open, date closd, high credit, past due amounts etc.,. It is impossible reckless the bureaus to assume for all three variations of the same account to be accurate and allow it to be reported on my credit. Federal law requires that only accurate information be reported, the bureaus have refused to remove these inaccurate accounts.

The Credit bureaus have also not responded to my request with in the 30 day time frame they are given.

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 2021-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-01 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: DISCOVER BANK
State: GA

Complaint narrative:
I've reached out to Discover in the past. They sent me a letter ( see attachment ) stating that they didn't have any accounts for me. Later, they inserted information into my credit report with a different account number and almost doubled limit. Discover is blatantly reporting information and changing account numbers to fit their purpose. I continue to attest that I have no accounts with Discover.

Company response to consumer: Closed with explanation