vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
I sent in several disputes to Rent Recovery Solutions. They are reporting to all 3 Credit Bureaus for 2 collections Account # ( XXXX For {$500.00} & {$4000.00} ) My 1st Dispute with them sent was a ( Validation/Pay to settle w/ offer_ 30 days to respond ) @ the address XXXX XXXX XXXX # XXXX XXXX, GA XXXX. Which was excepted by Return Receipt Sign by XXXX XXXX on XX/XX/XXXX I then waited and then replied back sending them a 2nd dispute to them for ( Violation of rights/ Validation Request/ Estoppel by Silence/ 15 days Respond Upon Returned Receipt ) I also waited and Sent Dispute letters to all 3 Credit Bureaus for investigation on XX/XX/XXXX. Awaiting a response from RRS. I get letters back from XXXX Verifying the dept from them. XXXX deleted the disputes. I haven't heard back from XXXX yet. I then get my 2nd dispute letters sent back to me ( Returned TO Sender ) Next I called their RRS company. The 1st associate told me she would have to take a ( Lift a Not Communicate ) with me off and transfer me to my caseworker. I explained I sent my 1st dispute and it was except at the 1st address above. asked if they have gotten the letter she said no. I then said that I sent my 2nd dispute to them and it got sent back Return to sender. she asked what address I sent it to. I couldn't remember and couldn't get to the address told her all I know was that the address had XXXX in it. She gave me the correct address. When I got off the phone with her I got home and googled the address I sent the 1st dispute to. the XXXX turned out to be the XXXX XXXX in the 1st and 2nd dispute letters sent. Found out it was still an office for them and has a website and XXXX attached to it. I made copies of all disputes sent and their websites to show they have gotten my disputes as proof. I sent it along long with the 3rd dispute to ( Failed to Validate Request/ Violation of Rights/15-day response upon Return Receipt ) etc.. to the Updated address @ XXXX XXXX XXXX XXXX XXXX  XXXX Which they Received upon Return Receipt on XX/XX/XXXX. I looked at both Return Receipts and they were both signed by the same person ( From my 1st dispute XXXX XXXX on XX/XX/XXXX ) It has been almost 18 days with no response still back from them. I have found out since then that this can be reported because of them and them not responding according to my rights. I have also been trying to file a complaint with the XXXX XXXX XXXX but I can not seem to get to where I can get them to route me to where they accept my type of dispute..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I was unemployed due to covid 19 hardship and now am facing hardship with my mortgage payments. I'm also considered high risk with XXXX XXXX  that could make me very XXXX if i end up getting XXXX XXXX  which makes it harder. 
XX/XX/20 I called shellpoint to ask to give me 180 days of forbearance under the CARES ACT with an option for another 180 days. but they were clueless and were asking for bank statements ( which they shouldn't have ). Please HELP

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
A credit card was opened under my name with XXXX without my knowledge or authorization. I disputed this card with Experian and the dispute closed with Experian stating that the card wont be removed from my credit report-even though I stated I never opened the account. I contacted XXXX as well and was told no account was created under my social security or name-yet it is still being reported to Experian. My biggest concern is having someone use the card and the charges affect my livelihood.

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 2020-06-19 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: CITIBANK, N.A.
State: VA

Complaint narrative:
On XX/XX/20 I made a payment of {$150.00} towards my citi Best Buy credit card. My balance at the time was {$350.00}. After my payment it brought my balance down to {$250.00}. Again I made this payment on XX/XX/20 via ACH transaction from the same bank account that I make all of My recurring payments on time every month. 

On XX/XX/20 I tried to use my credit card for the first time in a month and it said I didnt even enough credit. I called citi credit card services and asked why my payment or funds werent available and they refused to make my funds available.

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 2020-06-19 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: WA

Complaint narrative:
I filed a letter with Experian to update my personal information. I received a response from Experian on XXXX and upon opening the letter from Experian, they had cited my name incorrectly. In addition, they did not delete the address at which I am not a resident nor have any affiliation. According to the FCRA, if the addresses noted below are not deliverable to me by the US Post Office, they are not reportable as per the FCRA, since they are inaccurate. My original letter included a copy of my drivers license which showed my only true and correct name, in addition it cites my correct address. I also attached a current utility bill that shows all the correct information. I sent them a second letter stating they did not change any of these items and resent all the verification info and the information on my credit report is still incorrect.

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 2020-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I'm in the process of buying a house and when the lender company ran my credit it didn't show a specific credit bureau report ( EQUIFAX ). I contacted them but they seem to not have any of my information about me in their system even when I provide my social security number, nor my full name or my address. My credit does show up in other credit bureaus and I have had multiple credit lines for many years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 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: EQUIFAX, INC.
State: OH

Complaint narrative:
This is all new to me I have not lived at the addresses listed on my credit report. I had my ID stolen in XXXX and I was compromised again when I moved to XXXX XXXX. The following addresses are unknown please delete : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX CT XXXX, XXXX, OH XXXX My name and current address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XXXX I have never had this many numbers in my life please delete them : ( 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 response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 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: OH

Complaint narrative:
This is all new to me I have not lived at the addresses listed on my credit report. I had my ID stolen in XXXX and I was compromised again when I moved to XXXX XXXX. The following addresses are unknown please delete : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX CT XXXX, XXXX, OH XXXX My name and current address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XXXX I have never had this many numbers in my life please delete them : ( 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 explanation
Consumer complaint received 2020-06-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: PNC Bank N.A.
State: KY

Complaint narrative:
PNC Bank will not let me use my acct to verify my credentials in this app.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
United States Department of Education continued to garnished wages for the amount owed for quite some time. If the debt is being satisfied according to DOE why the negative reporting? Reporting is a violation of FCRA. Requesting removal of negative reporting as this continues to decrease credit and creditworthiness.

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 2020-06-19 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
United States Department of Education continued to garnished wages for the amount owed for quite some time. If the debt is being satisfied according to DOE why the negative reporting? Reporting is a violation of FCRA. Requesting removal of negative reporting as this continues to decrease credit and creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
United States Department of Education continued to garnished wages for the amount owed for quite some time. If the debt is being satisfied according to DOE why the negative reporting? Reporting is a violation of FCRA. Requesting removal of negative reporting as this continues to decrease credit and creditworthiness.

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 2020-06-19 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Lending Club Corp
State: GA

Complaint narrative:
I borrowed money from the Lending XXXX in XX/XX/XXXX, {$17000.00} to be exact. They automatically withdrew {$550.00} from my XXXX  XXXX XXXX checking for 14 months. Totaling close to {$8000.00}. I refinanced my house in XX/XX/XXXX and I paid off this account. The mortgage company sent me a pre made check to the Lending Club. The amount was actually more than was owed. I called them before hand and explained this to them, and they said they would send me the refund. The amount I overpaid was {$1300.00}. I have called them over 30 times and explained this situation, and at the beginning they said they already sent it to me in my XXXX XXXX account on XX/XX/XXXX. I have never had a XXXX XXXX account! Never! I continue to call them daily with promises of a return call, and I never hear from them. I have sent them my XXXX  XXXX XXXX banking statements proving that I never received it. They put the direct deposit into someone else '' s account and do not want to accept the blame for that. The {$1300.00} is mine and I could certainly use it as my salary pay at my employer has been decreased by 30 % during the Covid19. If you could in someway help me, I would really appreciate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jon Barry and Associates, Inc.
State: NY

Complaint narrative:
PARAGON REVENUE GROUP Last reported XX/XX/2020 $ XXXX/Open balance XXXX  XXXX XXXX XXXX Original creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am making a complaint against XXXX XXXX XXXX, I never received the card in the mail and there are unauthorized fraud transactions on the account. I also provided an affidavit to synchrony bank regardint it, but they are making me laible to pay for all those fraud transactions. 

Where is their 0 % Liability promise? Why they are making me liable to pay for the transactions I never did? 

I never received the card in the mail and they got to understand this. 

I will have to go to court to solve this problem.

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 2020-06-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Netspend Corporation
State: CA

Complaint narrative:
I received an UNSOLICITED " Netspend Prepaid Mastercard '' in the mail. I did not apply for this card and have no intention of using it - however, they included a very official looking card with a number, expiration date and my name on it. Also had the tape on the front stating " Visit netspend.com/activate ... to activate and verify your identity ''. It was my understanding that it was illegal to send out a live credit/debit card without the recipient actually applying for it. I have no intention of using this card, but could not reach Netspend to complain - their automatic system does not have any way to reach a real person - it wanted me to enter the card #. I did not do that because I did not want to inadvertently activate the card. 

A review of the Internet reveals that Netspend seems to do this a lot. Thank you.

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 2020-06-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PDQ Services, Inc.
State: GA

Complaint narrative:
Original creators are XXXX XXXX  was in XXXX. This just appeared on my credit out the blue. It was resolved years ago. This hasn't been on my credit report since XXXX it just appeared.. Documentation is attached. Please remove from my credit file. It's been 7 years from the original debit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 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: GA

Complaint narrative:
I am writing this due to non-compliance with the CRA ( Experian ). I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. They are not following E-Oscar and Metro 2 compliance protocols that the FCRA has in place and violating the FCRA. I believe that they are being in non-compliance with the federal law. The company came back and said that the account is accurate but have not produced any documents. I have dispute this item numerous times with inaccurate information being reported. There is no way that this trade line is reporting accurately. I wrote them on XX/XX/2020, along with a copy of my credit report outlining the inaccurate information and they responded on XX/XX/2020. I do not believe that they did a proper investigation in this matter.

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 2020-06-19 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: Southwest Recovery Services, Inc.
State: TX

Complaint narrative:
Rude, Kept calling, told me I was lying. Very disrespectful. Over a house that I lived in but had to move due to unsafe living environment- I was exposed to mold. I made the property owner aware of the mold. However, he did nothing to resolve the issue and stated that he couldn't afford to do clean up and needed to sell the house. I told him that we would have to move and due to issues. He asked if I was seeking legal action- I told the homeowner " No '' I just need a safe home that is sanitary. I did inform him that I would not be paying him anything due to having to move not by our own choice but rather than for health reasons. I have been out over {$45000.00} in medical expenses- various XXXX, XXXX. I was diagnosed with XXXX  on my XXXX XXXX XXXX due to XXXX XXXX. I have seen a XXXX, and take medications daily as a result of exposure to mold while living in the property. My monthly medications cost {$800.00} alone! I get a rude demanding phone call from a collection agency the first I've heard. Stating I owe {$23000.00}!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
FTC US Department of EDU total {$24000.00} XXXX  XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX XXXX {$720.00} XXXX XXXX XXXX {$2200.00} US Dept. of EDUCATIO XXXX XXXX XXXX XXXX XXXX  Please remove these Inquiries ; XXXX XXXX XXXX, XXXX XXXX XXXX-XXXX accounts and XXXX XXXX XXXX {$24.00} XXXX XXXX {$130.00} XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX , XXXX {$1400.00} XXXX XXXX XXXX {$630.00} XXXX XXXX XXXX {$840.00}

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 2020-06-19 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: EQUIFAX, INC.
State: TX

Complaint narrative:
FTC US Department of EDU total {$24000.00} XXXX  XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX XXXX  {$720.00} XXXX XXXX XXXX {$2200.00} US Dept. of EDUCATIO XXXX XXXX XXXX XXXX XXXX  Please remove these Inquiries ; XXXX XXXX XXXX, XXXX XXXX XXXX-XXXX accounts and XXXX XXXX  XXXX {$24.00} XXXX XXXX {$130.00} XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX , XXXX {$1400.00} XXXX XXXX XXXX {$630.00} XXXX XXXX XXXX {$840.00}

Company response to consumer: Closed with explanation