vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
In XXXX, Portfolio Recovery Associated purchased an old debt of mine from XXXX. I hired XXXX XXXX XXXX to help me settle this account and a another in XXXX. 

In XXXX of XXXX, on my behalf, XXXX XXXX XXXX negotiated a " Pay to Delete '' settlement offer with Portfolio Recovery in the amount of {$6700.00}. Through XXXX XXXX XXXX, I began making on-time payments as per the agreement and completed the settlement, without ever missing a payment. 

Once the account was settled, Portfolio Recovery refused to list it as " settled '' to the credit bureaus, as a result, my credit score has fallen almost 80 points in less than a month. 

I have a copy of the settlement letter and also a copy of the payments made to them and they still dispute the account!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 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: GA

Complaint narrative:
Ive disputed this account several time and submitted the corespondance from said company stating they were removing the account from the bureaus, XXXX  and XXXX  have already removed it yet Experian refuses to follow suite

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 2021-08-13 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: DE

Complaint narrative:
Greetings. With my knowledge or consent. A family Member used my social security and information to open an account with XXXX which they let go in collections. I did reach a settlement agreement with the collection agency. However, they still have the account showing on my credit report which is severely hurting my credit. I've contacted XXXX as well as the Credit Bureau to get the collection removed from my account but to no avail.

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 2021-08-13 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: DE

Complaint narrative:
Greetings. With my knowledge or consent. A family Member used my social security and information to open an account with XXXX which they let go in collections. I did reach a settlement agreement with the collection agency. However, they still have the account showing on my credit report which is severely hurting my credit. I've contacted XXXX as well as the Credit Bureau to get the collection removed from my account but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 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:
i sent a letter to equifax on XX/XX/2021 stating that there were items on my credit report that didnt belong to me. they never responded and its been 3 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Coradius International LLC
State: OH

Complaint narrative:
I received a bill from American Coradius International LLC stating I owe XXXX {$370.00} and I contacted XXXX XXXX and I don't owe them anything.. I spoke with a XXXX and he said they will send this to XXXX XXXX  and they will do a full investigation on this and to disgard this statement. 
The address is XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NY XXXX Toll FreeXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: NY

Complaint narrative:
This is a follow up of closed complaint # XXXX I.C. System is in clear violation of the FDCPA Laws. From there previous response to my original complaint, there is a clear admission of guilt. The Affidavit of Truth was ignored, so was the Notice of Default and Opportunity to Cure Notice. 

The Law States the Following : An affidavit unrebutted stands as Truth. Affidavit uncontested unrequited unanswered ( United States v. Kis, 658 F2d 526, 536 ( 7th Cir,1981 ) ; Cert. Denied, 50 U.S. L. W. 2169 ; S. Ct. March 22,1982 ) " Allegations in affidavit in support of motion must be considered as true in absence of counter- affidavit.

'' ( Group v. Finletter, 108 F. Supp. 327 Federal case of Group v Finketter, 109 F. Supp. 327 ) An Affidavit uncontested unrebutted unanswered, Morris v. National Cash Register, 44 S.W. 2d 433 Morris v. National Cash Register, 44 S.W. 2d 433, clearly states at point # 4 that " uncontested allegations in affidavit must be accepted as true ''

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 2021-08-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Holloway Credit Solutions
State: AL

Complaint narrative:
This collection company, Holloway Credit Solutions, sent documentation for two accounts that they are reporting on my credit report with my protected health information on it, which this collection company should not have at all. This collection company having my protected health information is a HIPPA violation, which is against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Comenity Bank has called my cellphone at least 7-9 times between the hours of XXXX and XXXX. This debt was already paid this month, and the phone calls are too annoying. I am trying to work so that I can pay off my debt. They seem to want me to not work, and play phone tag with them all day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Blitt and Gaines, P.C.
State: IL

Complaint narrative:
I am working with a debt collection company XXXX XXXX, we are settling a debt with XXXX XXXX. They turned the debt over to Blitt and Gaines P.C. and they have been unresponsive to any sort of calls or offers to pay the debt monthly or settle the debt. They are bullying me and anytime I call they harass me and talk to me as theyre going to seize my assets, sue me and garnish my wages. Theyve sued me civilly already and are currently garnishing my wages, all without any notice or options to pay the debt in a timely or helpful manner. I am unable to pay the large lump sum of 100 % of the debt they are requiring to satisfy the debt that Im sure they did not acquire the debt for. Theyve also been holding onto this debt for so long and making it accrue interest! Were trying to pay this debt but theyre being unreasonable yet theyre continuing to make the total amount due higher and higher! I have multiple debts in consolidation they are 1 of 2 that refuses to settle, but the only one that is being aggressive and a bully while not allowing any movement! Their tactics are horrible and unfair and definitely bullying. Me and my family are struggling now with making payments on our current bills and paying debt consolidation monthly, were stretched extremely thin with my wife just starting to get back to work somewhat. They never took that as a factor the last 2 years during this pandemic

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 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: FIFTH THIRD FINANCIAL CORPORATION
State: NY

Complaint narrative:
On Saturday, XX/XX/2021, my Master Card with Fifth Third Bank was fraudulently charged for {$340.00} for an automobile insurance policy with XXXX XXXX XXXX by a third party without my knowledge or permission. This charge posted to my account on XX/XX/2021. I had provided my credit card information over the phone to this third party merchant for a {$20.00} charge for a totally different product from them. Instead of using the credit card for the permitted {$20.00} charge from them, apparently the third party fraudulently used my credit card information to purchase the {$340.00} insurance policy from The XXXX XXXX XXXX. At no time did I ever have any intention of buying anything from XXXX XXXX, nor did I ever have a conversation with anyone at XXXX. 

The fist I knew about this situation was when I received my monthly statement in XXXX, XXXX showing this fraudulent charge. I immediately disputed the charge. Since then, I have talked to numerous people at Fifth Third, wrote numerous letters and e-mails, and have been given the runaround and taken completely in circles. They continually kept asking for receipts and documentation. I told them repeatedly there are NO receipts or documents, as I NEVER agreed to this purchase at all, hence NO receipt! 

Fifth Third arbitrarily, with NO input from me, or notice, told me they would not grant my dispute and the only way I could re-open it would be to submit receipts, which NEVER existed! I have had a branch manager named XXXX at Fifth Third in XXXX, NC ( her phone number is XXXX ) try to intervene and help me. She has become just as frustrated as I have. She tells me the people in the Fraud and Disputes Departments are giving her the runaround and won't even tell her why they decided the dispute against me! I really need some outside help with this as now I have been charged {$340.00} fraudulently for a product I never wanted nor agreed to buy. Thank you. 

NOTE : The original card this was charged to ended in XXXX. This account was updated to the current account ending in XXXX due to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
due to being at mercy of negative, deceptive fraudulent charges that were not mine, but preventing from being approved for an apartment, I was forced to pay XXXX XXXX XXXX. 

Account is paid in full and closed, please adjust asap please on all 3 credit bureaus XXXX transunion and 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 2021-08-13 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: CA

Complaint narrative:
due to being at mercy of negative, deceptive fraudulent charges that were not mine, but preventing from being approved for an apartment, I was forced to pay XXXX XXXX XXXX. 

Account is paid in full and closed, please adjust asap please on all 3 credit bureaus equifax XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 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 — Investigation took more than 30 days
Company: ID Analytics, Inc.
State: AZ

Complaint narrative:
On XX/XX/XXXX and on XX/XX/XXXX two dispute letters accompanied by several copies of my personal documents were signed and delivered to SageStream about several inaccuracies that are still currently reporting on my SageStream Consumer File.

I've also mailed a 3rd dispute letter to SageStream that was signed and delivered on XX/XX/XXXX that i'm still currently waiting on as well. 

As of XXXX XXXX my first dispute letter delivered on XX/XX/XXXX is currently 93 business days late as to responding to my dispute. 
As of XXXX XXXX my second dispute letter delivered on XX/XX/XXXX is currently 39 business days late as to responding to my first dispute This is unacceptable and SageStream is in violation of the fair Credit Report Act by not providing me an answer in the 30-35 time period of providing me any investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 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: CA

Complaint narrative:
I have tried several times, since XX/XX/XXXX, to resolve the issue with Equifax. They have me labeled as being deceased through XXXX from XXXX. I provided that information back in XXXX and they took it off my report, then recently they put it back on my report. They did a dispute and at the same time I call XXXX and they sent out a letter stating that I was not deceased. On XX/XX/XXXX, Equifax sent me a letter stating, " The account is currently not reporting as deceased. The following fields have been modified : *additional information *stats *balance *type of loan. '' I'm trying to refi my house and can not due to being labeled as deceased. I've made multiple calls and all of them tell me it's going to take 30 days for the dispute. I've waited over 90 days to keep getting the same results. I talked to one agent who was actually helping me before I was sent to a survey and eventually disconnected. This is also hurting my credit score, at no fault of my own. It's obvious Equifax is not going or willing to help me resolve this issue so I can move on with my life. I need someone else to step in and resolve this for me as soon as possible. As a consumer, I am entitled to my credit score and allowed to authorize who I see fit to run that report, but Equifax is preventing me from doing that.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I made an atm deposit inside the banking center at a Bank of America branch. The branch is located in XXXX, FL. XXXX XXXX XXXX and XXXX XXXX ). I initially attempted to place deposit with a teller inside the bank, but after waiting for a half hour, I was told I had to place cash deposit using the ATM. I asked for a manager but was refused several times. 
I made the deposit around XXXX on XX/XX/XXXX, and the representative, XXXX was next to me waiting for the machine to print the receipt for {$6100.00}, but the machine went out of order and didn't print a receipt and didn't credit my account. XXXX called the customer service line to place a claim and she informed the machine would be reconciled that evening and I should see the funds in my account the next morning, but no later than 48 hours. I attempted calling the main Bank of America customer service claims line, and I spoke to tXXXX supervisors, XXXX and her supervisor, XXXX. I was told that I would have to wait for a temporary credit and it could take 45 to 90 business days! this was a cash deposit, and I am very concerned the bank is attempting to abscond my money, or at a minimum, keep the funds within its banking center for an extended period of time. 
I attempted calling the banking center and XXXX directly, left several messages over two days, but nobody answers and I haven't received a single call back. 
The bank has an online rating of 2 stars, but multiple complaints at that location, some with similar problems to the one I encountered. 
Please advise and let me know if any additional information is required. 
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 monetary relief
Consumer complaint received 2021-08-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Complete Credit Solutions, Inc.
State: FL

Complaint narrative:
On XX/XX/2021, a collection of {$1300.00} was placed in my name on my credit profile from an unknown debt collection agency identified as Complete Credit Solution with no prior notifications sent to me via mail, email or phone. Since then, I have disputed this debt multiple times with all 3 credit bureaus XXXX XXXX XXXX XXXX XXXX XXXX who have only stated that the debt was confirmed with no actual investigation or documentation sent to me for confirmation. I have also sent notarized and certified letters dated XX/XX/2021 for all 3 credit bureaus and XX/XX/2021 ( with an estimated arrival date of XX/XX/2021 ) to the debt collection agency and all have since refused to send me documentation of this alleged debt or their investigation methods to which I have no knowledge of creating. 

I have been the victim of identity theft numerous amounts of time and there is even a notice on my credit reports to identify all information and without proper confirmation this constitutes fraud and another case of identity theft. This debt has been on my account for over 6 months and has caused me great distress as I can not acquire vital loans or new lines of funding needed for the my financial future. 

Below are the certified receipt numbers for reference : Complete Credit Solutions # 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 Please look into this matter as soon as possible.

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 2021-08-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I am a student living in XXXX XXXX, California and I am moving to XXXX to continue my studies. I contacted someone in a XXXX XXXX New York XXXX, XXXX - Housing, Apartments, Rooms, Sublets, Roommates called XXXX XXXX for assistance to rent an apartment for a month in XXXX. He helped me along the way and provided this site XXXX XXXX XXXX  as backup for his fraud. He assigned me an apartment at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX where I paid {$1400.00} XX/XX/2021 on a XXXX transfer. However, after paying I found the same apartment at XXXX XXXX XXXX and it look totally different. 
I got an offer to pay two month so I could get the third month for free and I accepted the deal. When I asked for a new contract, XXXX XXXX asked me to deposit the money on a different XXXX user belonging to XXXX or XXXX instead of depositing the the inicial XXXX account to XXXX or XXXX. Through XXXX I got the lease contract which seem totally transparent, but then I notice that in their website there are some agents names which I looked at XXXX website and found XXXX XXXX XXXX and saw that her pictures were liked by XXXX people mostly from XXXX XXXX XXXX account XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and others. That was what made me open my eyes about the fraud. 
I am willing to help and provide any prove you need about this incident. I already reported it to my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 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: LA

Complaint narrative:
I have informed this company years ago that my wallet was stolen and a credit card was opened with this company they informed me that the card was closed and they will inform all 3 credit bureaus but this account is reporting on my credit reports as a chard off account this is 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 explanation
Consumer complaint received 2021-08-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: NV

Complaint narrative:
They repossesed my car during pandemicand then put the loan into charge off status. I am still paying on the loan and they are not taking the vehicle out of charge off status NOR reporting the payments i make to them. Furthermore they are imposing due dates on days they are not open. So if i pay the following business day the loan reflects as late. They repo after one day late.

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 2021-08-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: ID

Complaint narrative:
I have been working with Wells Fargo since XX/XX/2020 on a 15 year refinance. I continue to provide all of the information that they request. They continue to stall and then underwriting requests more information. I am locked in at XXXX XXXX 
I have had to call different banks for information that Wells Fargo is responsible for. 
( subordination letter XXXX. 
I don't understand why this is taking 10 months and i have spoken with the VP twice now and he also stated that is should not take this long, but has no explanation as why. 
I believe they are stalling and trying to have me give up, since the rate is so good and rates are going up. 
I just want to close and move on. 
Can someone please reach out to Wells Fargo and ask them what is taking so long. 
Thank You, 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