vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On  accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on  occasion, and I request only a summary review internally, and do not require any documentation. 
2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information.

3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile.

I respectfully request each investigation to be reported to XXXX, XXXX and XXXX  XXXX  within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 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: NCB Management Services Inc.
State: GA

Complaint narrative:
on XX/XX/2020 I placed a call to NCB Management to discuss a notification received by mail. The call was transferred to supervisor, XXXX XXXX. I requested details of the bill. She indicated this item was an online transaction and provided details. I requested proof of documentation be mailed to my address on file. Additionally, I advised I was disputing this debt. She advised if it is fraud then I should have filed a police report. I would like this investigated for Fraud and any proof and applicable documents be mailed to our home address. I have no business relationship with NCB and do not owe NCB any money per any contractual obligations. The charges are fraudulent. 

Please remove this from my credit bureaus and communicate with me via mail only.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 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: CO

Complaint narrative:
Equifax and XXXX  should not be reporting that I am ( 120 ) days late on the DEPT OF ED/XXXX  partial account number XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 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: TX

Complaint narrative:
The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents

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 2020-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TCF NATIONAL BANK
State: MN

Complaint narrative:
On XX/XX/2020 I connected to my online TCF Bank account and saw a savings account had been opened in my name on XXXX XXXX, 2020 and {$200.00} withdrawn from my checking account. 
I went to the local TCF branch nearest me and asked the teller, " Who opened a savings account and withdrew funds from my checking?? '' " I have no recollection of opening it '' He could not answer that and asked what Id like to do. 
" Cancel The TCF savings account immediately. '' The {$200.00} was returned to my checking accountt, but it troubled me why or by whom the Savings account was opened. 
I have screenshots of the transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
On XX/XX/2020 at XXXX my husband and I signed to close our refinancing documents with LAKEVIEW/XXXX XXXX XXXX XXXX  through TITLE 365, a notary public named XXXX XXXX came to our home in XXXX, CA. We were told beforehand by XXXX XXXX, the loan processor who took over from XXXX XXXX who was the mortgage loan originator to prepare a cashiers check in the amount of {$2700.00}, which includes the closing cost and the 1st payment for the XXXX XXXX COUNTY supplemental property tax of {$2500.00} which was due on XX/XX/2020. According to Ms. XXXX our loan will not be approved if this was not paid. By the way, our main purpose for this refinancing was to get our interest down from 4.75 % to 3.125 %. We saved enough that we could have paid for the 1st Installment of the Supplemental Property Tax without getting a loan. Now, today is XX/XX/2020, and this bill the 1st Installment is still delinquent since XX/XX/2020. And now the 2nd Installment is due tomorrow, which we are ready to pay but couldnt because these companies did not do what theyre suppose to do! I have called and emailed numerous times to numerous people in both the lender and the Title company to no avail. I have an email from a Ms. XXXX XXXX, closing manager at XXXX who told me that the Supplemental Property tax is in escrow. We dont understand all these legal mumbo jumbo, what we know that a tax bill remains unpaid which we gave them our own money to make payment for us, as they promised, but did not follow through. I gave them enough time to do resolve this matter but it seems that they dont want to do anything, they just went ahead and ran off with our hard earned money.

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 2020-09-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TCF NATIONAL BANK
State: MI

Complaint narrative:
I had my mortgage with chemical bank which recently made the official conversion to TCF Bank. This complaint is in regards to TCF. I tried logging in online to make my payment at the end of XX/XX/2020 for my XXXX payment. I couldn't log in to anything. I tried again a few days into XXXX thinking maybe there was an issue with my conversion and it couldn't locate me. 

XX/XX/XXXX I called TCF and was waiting for just over an hour. They had a message that they were experiencing high call volume. I couldn't wait any longer on hold at work and decided to try again. 

XX/XX/XXXX my coworker stated that they bank with TCF and the account numbers never changed. They did have to reset their online banking. I tried unsuccessfully for 30 minutes to log in with my mortgage loan number, and my old checking account number. But despite my attempts, nothing worked. 

I called on XX/XX/XXXX and XXXX, both almost an hour and a half. I had to return to work. No one picked up and there's no way to leave a message either. 

I repeatedly tried to log in to my account online. I tried logging into my old way to make a payment as well. I'm currently on hold XX/XX/XXXX, and I've been on hold for over two hours with no way to leave a message and no one to respond. 

I work from XXXX XXXX  to XXXX XXXX  every day. I don't know how to get ahold of someone. I want to pay and I have the money, but there's no way to set something up. I'm afraid to mail in my check with an old account number because what if they don't apply it to the correct account? I just want to pay my bills. I can't go to a branch because I work during the hours they're open.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-29 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: CO

Complaint narrative:
XXXX and Transunion should not be reporting that I am ( 120 ) days late on the DEPT OF ED/XXXX  partial account number XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have  contacted the bureau to remove these however, I have not been successful.

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 2020-09-29 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Conduent Incorporated
State: AL

Complaint narrative:
The card won't let me activate it. I can't get my money or do anything with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 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:
Four collection agencies have been reporting inaccurate information to XXXX, XXXX, and Transunion. These are not my accounts. Yet the Credit Bureaus continue to report the negative information, even though I have done due diligence under the FCRA to prove these accounts are NOT mine. 

I attempted to secure a debt validation via certified mail from each collection agency on XX/XX/2020. All four collection agencies failed to provide debt validation. Furthermore, all four agencies are in violation of the FCRA, as they must provide debt validation within 30 days of my request ( 45 days during this pandemic ). It is over 60 days since the collection agencies signed for my request for debt validation, and they NONE of them have provided the debt validation. 

I contacted each credit bureau - XXXX, XXXX, and Transunion - and explained the situation. Each bureau refused to remove the falFour collection agencies are showing up on my report. These four agencies are repse reporting from my report. 

On XX/XX/2020 I sent a certified letter to each collection agency once again, and each credit reporting agency, indicating that they were all in violation of the FCRA - reporting false information. I sent all agencies sworn and witnessed affidavits ( Justice of the Peace - see attachments ). All entities, including the Credit Agencies, have signed for the affidavit. 

I am a XXXX XXXX XXXX  in XXXX Louisiana. I XXXX  XXXX  people. Due to the pandemic, I applied for a SBA EIDL disaster loan to save my XXXX, and my XXXX  jobs. I was denied the SBA loan, due to the false reporting of the collection agencies, and the refusal to remove inaccurate information on the part of the Credit Reporting Agencies.

I have spoken to the Credit Reporting Agencies via telephone as well. These agencies found inaccurate information on my report, such as addresses, phone numbers, social security numbers, employers,  middle intial differences, birthdate difference, etc. The Credit Bureaus agreed with me over the telephone that my file had " merged '' with another person of similar name, or that there was perhaps identity fraud involved, where I was the victim. XXXX  even removed certain items while I was on the phone with their representative. But none would agree to remove the false collection agencies reporting.

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 2020-09-29 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: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
This complaint is about Barclays Bank Delaware. On XX/XX/XXXX I made a purchase in the amount of {$2200.00} to my Barclays Aviator card ending in XXXX. On or around XX/XX/XXXX Barclays notified me that that card had been compromised and that they would need to send me a new card. Shortly after I received a new card ending in XXXX. I have had the exact same phone number, mailing address, account log-in for both cards the entire time. On XX/XX/XXXX the merchant for the transaction referenced above sent a refund. As of XX/XX/XXXX I had not seen the refund reflected in my account, I never received an email, phone call, or postal mail informing me that Barclays had this refund due to me. As I mentioned, none of my contact information changed and Barclays had the ability to refund me these funds due or at the very least contact me in some way. This was 18 calendar days ( and 11 business days ) after the refund was sent. I called Barclays Customer service on XX/XX/XXXX to inquire about the status. The customer service representative immediately saw the transaction I was calling about, confirming what is clear : Barclays had this refund, knew about it, and knew how to reach me. The customer service representative offered to resolve the issue. On XX/XX/XXXX, 6 business days after my call, I still had not received the refund or any notification from Barclays. Therefore, I submitted a message in my account " Contact us ''. I have continued to follow-up with them with no resolution. They also keep changing the timeline for when this will be resolved. I am attaching the initial and all follow-up conversations to this message. As of today, it is over 30 days since that refund was sent and I have not received it and I have not received information telling me when I will receive it. I was told on XX/XX/XXXX that a manager would call me in " 24-48 hours '' and they never called. I followed-up again on XX/XX/XXXX and then I was told " it can take up to 72 business hours '' for a manager to call. The bottom line is, they are not sending me the {$2200.00} they owe me, and they keep changing timeline for when a manager is going to reach out to me to resolve. I don't need or want a call from Barclays at this point ... I want the money they owe me. A multi billion dollar bank should not be allowed to hold individual 's money this long for something that is an ALL ELECTRONIC transaction when they KNOW how to get in contact with me.

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 2020-09-29 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: GA

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT, I NEVER AUTHORIZED THESE ACCOUNTS. THESE ACCOUNTS ARE HURTING MY CREDIT SCORE AND I FEEL FURTHER VICTIMIZED BY THE BUREAUS..

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 2020-09-29 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: FL

Complaint narrative:
I have reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not 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 2020-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: MA

Complaint narrative:
Hello I have a complaint with a company named chime bank but also with the XXXX XXXX  company who helps with funds with chime and XXXX XXXX as well I was getting money from unemployment since XX/XX/2020 and they took all XXXX - -- -- -- -- -- XXXX or more and lost wage they have given me hard time to return that money and then to of XXXX 2020 and they told me they have it and will give back to me ( which is was a hard lie to shut me up ) That what they said but never they return the money they put me and horrible mess with our bills they always did a quick email response so it would be something but ever time it was different but not to different they are embezzle money and wont return it. I have documations of them basial lieing and pleading that they have it and will give it back when they have second they are crazy .i want this company shut down and to return the money to billons maybe more and with settlement to those who are having the same problem i want the CEO in jail and i want my money back. and then some

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 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: MI

Complaint narrative:
I recently pulled my credit report, and there has been a FRADULENT ACCOUNT opened on my credit report on XXXX and XXXX. This is ruining my credit and I am unable to use financial resources in need for myself and family during this pandemic.

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 2020-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: OK

Complaint narrative:
Portfolio Recovery trying to collect {$4900.00}. I never heard of the company, never did business with the company

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 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: FL

Complaint narrative:
I have reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not 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 2020-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine.

Company response to consumer: Closed with explanation