vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I have been receiving debt collection notices through email for a debt I have no knowledge of. They said I owe for a balance left when I moved off of apartment and I have never lived there. I have asked for proof of lease and copy of identification but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I contacted XXXX on XXXX of 2019 and advised that the courts had included my Student Loan Debt in my Bankruptcy but they refuse to remove the loans. I've given them the information from the courts and Transunion has closed out the accounts but they are still reporting balances in my 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 2021-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I contacted XXXX on XXXX of 2019 and advised that the courts had included my Student Loan Debt in my Bankruptcy but they refuse to remove the loans. I've given them the information from the courts and XXXX has closed out the accounts but they are still reporting balances in my XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I contacted XXXX on XXXX of 2019 and advised that the courts had included my Student Loan Debt in my Bankruptcy but they refuse to remove the loans. I've given them the information from the courts and XXXX has closed out the accounts but they are still reporting balances in my 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 2021-03-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I have enjoyed the use of a Synchrony XXXX VISA credit card for 2-3 years. Based on my credit score and subsequently my payment history, I began with a credit limit in excess of $ 6k, which gradually increased to over $ 9k and finally to over $ 11k. 

A few months ago, included in my monthly statement was a notice from XXXX stating, " To Our Valued XXXX VISA Credit Cardholders : We regret to inform you that, due to the current market environment, the XXXX Visa Credit Card program is ending. You can continue to make purchases using the card until XX/XX/XXXX and redeem your earned rewards points until XX/XX/XXXX. We encourage you to use your points toward the purchase of a new XXXX ... or to apply your points towards your current credit card balance in the form of a statement credit. '' ( Based on their previous written explanation, my current points equate to over {$260.00} which I intended to apply to this month 's bill. I am allowed to redeem points XXXX {$300.00} per year. ) After I was unable to redeem the points online, I contacted XXXX 's Customer Service Department ( XXXX ) at XXXXXXXX XXXX  on XX/XX/XXXX to get assistance in redeeming the points as a credit to my account. The representative ( XXXX in the Mo. office ) informed me that his records did not show me having ANY rewards points, to which I informed him that my current statement ( received this week ) shows me having over 26k points ( based on my charges in excess of $ 13k since XX/XX/XXXX ). Upon speaking to Supervisor XXXX, ID XXXX. XXXX ( at my request ), I was informed at an extremely accelerated speaking rate that while the rewards points are still redeemable til XX/XX/XXXX, a decision was made not to allow me to redeem my points. He could not give me a clear response as to why my account was singled out in spite of my current statement indicating otherwise. It is worth noting at this juncture that my account has been paid in an EXCEPTIONAL and TIMELY manner since its inception, generally carrying a " XXXX '' balance at the end of each month. I don't think I EVER made a " minimum '' payment. 

I would appreciate a response as to whether this has been a deliberate deceptive business practice and/or whether other practices/policies generated this action regarding use of the earned rewards points.

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 2021-03-17 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: CA

Complaint narrative:
Only one of the three credit reporting agency 'Transunion '' is wrongly reporting I have late mortgage payments in XXXX and to correct the issue I provided them 12 bank statement showing mortgage payment was paid every month on time through direct debt and after multiple online disputes and calls with supervisors I was informed the best way to fix it is to ask mortgage company to send them a letter to remove the account. Mortgage company did send them a letter back on XX/XX/XXXX asking to remove the account and I was shocked as I am in the process of buying a house to find out that the wrong information still on my account which is hurting me financially.

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 2021-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing with reference to my XXXX loan from XXXX with XXXX XXXX serviced by XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, WI XXXX. This loan is being incorrectly reported by Transunion. I have tried to resolve this with Transunion, UAS and XXXX without success. This loan became delinquent in XX/XX/XXXX ( 19 years ago ). About 1.5 years ago, XXXX took over servicing of this loan during a merger/acquisition with another student loan servicing entity. In the process, XXXX changed the account number on this loan and began to report it as having become delinquent in XXXX. Thus far, XXXX has not responded to my correspondence, while Transunion and XXXX responded in form only. When I call to follow up on my written complaints, Transunion insists that they can not do anything and it is all in the hands of XXXX. XXXX tells me that only the designated account representative can address my concerns, refuses to provide the individual 's contact details, and advises that the individual will contact me directly XXXX no one has done this over the course of several months ). My most recent written dispute in this matter with Transunion was filed on XX/XX/XXXX. The most recent phone call with them was today, XX/XX/XXXX and I was again informed that XXXX continues to maintain on behalf of XXXX XXXX that the reported information concerning the loan 's delinquency status is correct. The original loan amount on this account was {$7500.00}. The outstanding principal since XX/XX/XXXX was unchanged at {$2200.00}. The loan was transferred through consolidation to XXXX on XX/XX/XXXX and is now current. It is my belief that XXXX purposely " re-aged '' this loan as a tactic for collecting payment and now does not want to address this, because they have been paid in full through the loan consolidation with XXXX and because they are aware that they have committed an unlawful act by re-aging the loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 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: Paypal Holdings, Inc

Complaint narrative:
1st paypal permanently put my account on limited and was not able to do transaction. Hence, currency conversion and fund transfer was block. My balance hold status was lifted but still on their control. It like they are doing this for their own interest. I have check a social media group and found out that there were several users facing the same problem. They been trying to solve the same issues just like what i did but paypal is not responding. They been holding my balance for almost a month now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Client Services, Inc.
State: IL

Complaint narrative:
To whom it may concern, Account # XXXX I have previously sent you a request to validate my debt, account number XXXX on XX/XX/2021 and XX/XX/2021. 

Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I have given you 30 days to remedy the situation, which is a very reasonable period. I have received no reply from you, though I did receive confirmation via mail that you did receive my letter. 

Since you are still reporting this account on my credit report, you are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, which I may collect from you by filing a claim in small claims court. I intend to follow through with the suit if I do not hear back from you within 15 days. 

You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. I'm sure your legal staff will agree that noncompliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 

I look forward to hearing from you, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
I was a victim of Identity theft from XX/XX/XXXX- XX/XX/XXXX in XXXX FL . 
There were medical services obtained under my name that were reported to the police as well as the FTC and is an ongoing investigation. We alerted the collection agency and all three credit bureaus. Unfortunately this collection agency will remove it from my credit only to re-report it with a new date attached over and over again. 
The amount stays the same but the name of the lab and collection agency slight changes each time along with not referencing the original date. 

This harassment has caused me time and money. 

The name of the agency is RADIUS GLOBAL SOLUTION Original creditors listed as : XXXX, XXXX XXXX XXXX XXXX, or XXXX XXXX The amount being reported is {$1800.00}

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 2021-03-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RGS Financial, Inc.
State: CA

Complaint narrative:
RSG Financial added the account in collections to my credit report. They have not contacted me by phone or in writing and refused to provide details when I tried to call and get more information after seeing the collections account on my credit report due to the fact I was not comfortable giving them my social security number over the phone. 

RGS FINANCIAL Last reported XX/XX/XXXX {$260.00} Open balance 11 XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( 2 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original creditor name 11 XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have been diligent about checking my Experian Credit Report every few days. 
Last week it mysteriously went down XXXX PTs Today it dropped another XXXX points. 
I contacted Experian and they are UNABLE to explain why. 
a ) my balances have been decreasing b ) I have paid OFF two credit cards c ) The credit report balances are not accurate : total credit cards 12 actual 11 Credit card balance according to report XXXX actual XXXX d ). NO new inquiries,, yet despite this the credit score has decreased, and NO ONE at experian the keepers of the credit report can tell me why, they refer me to the bank stating " if you want a direct answer you will have to reach out to a credit advisor. Your Bank may have one. '' They also said : " I would be happy to go over our scoring model and factors but will not be able to give a direct answer '' can not give a direct answer. 

Then why in XXXX 's creation is EXPERIAN allowed to handle this information if they do not know how it works. 
Inaccurate reports that are given to banks is in my eyes a fraudulent act. Reporting FALSE information.

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 2021-03-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
On XX/XX/2021 I had an alert come up on my phone to ask if I will authorize a transaction. I said no, and it went through. I have proof with a picture that I said no. 
I talked to them on XX/XX/XXXX, and a few times before that. They told me that its not always full proof. So now I dont know what to do.

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 2021-03-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was a victim of Identity theft from XXXXXXXX XXXX in XXXX FL XXXX 
There were medical services obtained under my name that were reported to the police as well as the FTC and is an ongoing investigation. We alerted the collection agency and all three credit bureaus. Unfortunately this collection agency will remove it from my credit only to re-report it with a new date attached over and over again. 
The amount stays the same but the name of the lab and collection agency slight changes each time along with not referencing the original date. 

This harassment has caused me time and money. 

The name of the agency is XXXX XXXX XXXX Original creditors listed as : XXXX, XXXX XXXX XXXX XXXX, or XXXX XXXX The amount being reported is {$1800.00}

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 non-monetary relief
Consumer complaint received 2021-03-18 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
Applied for a refinance with PHH Mortgage, and they can not tell me why they can't get my home appraised, appraisal came out on XX/XX/21 and said he would have it done on XX/XX/21 called PHH Mortgage around. XX/XX/21 and was told that they were not able to appraise and they are going to another appraisal co. And they extended my loan application for another 30 days, I got back with PHH on the week of XX/XX/21 and they told me that they still can't get it appraised, I called back on XX/XX/21 and they still can't get appraisal and not able to tell me why, then on XX/XX/21 they turnamated my loan application, they called me today XX/XX/21 and told me it's because they can't get my home appraised and can't not tell me why cause they have no answer to why, so now I can't get the interest rate of XXXX cause interest rates when up, and I can't get any information about the loan cause we did the e file and I can't find any information except the little bit I have in emails

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 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: TRUIST FINANCIAL CORPORATION
State: WV

Complaint narrative:
Company closed debit card XX/XX/2020, but left the routing & accounting number open and account has a positive balance and company keeps giving the run around about re-activating the account. 
Company gives the same answers and offers the same solution that hasnt revealed any results and they are still in possession of my money on the account

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 2021-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
To whom it may concern, Account # XXXX I have previously sent you a request to validate my debt, account number XXXX on XX/XX/2021 and XX/XX/2021. 

Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I have given you 30 days to remedy the situation, which is a very reasonable period. I have received no reply from you, though I did receive confirmation via mail that you did receive my letter. 

Since you are still reporting this account on my credit report, you are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, which I may collect from you by filing a claim in small claims court. I intend to follow through with the suit if I do not hear back from you within 15 days. 

You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. I'm sure your legal staff will agree that noncompliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 

I look forward to hearing from 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
Consumer complaint received 2021-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XX/XX/2021 - I noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to XXXX, TransUnion, XXXX. 

I didn't hear back so I sent on letters again for a demand for a comply XX/XX/2021. 

Today is XX/XX/2021 and Its sad i still haven't even heard back from these Companies yet.

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 2021-03-17 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: Kansas Counselors, Inc.
State: MO

Complaint narrative:
I started the process of wanting to buy a home, I noticed that one of the company 's I requested to validated the debt was back on XX/XX/XXXX and I never got any validation for it. I disputed it I believe in XX/XX/XXXX with XXXX, and when I looked at my report to see what was there, and there were notes from Kansas Counselors, the amount is {$270.00} ; that stated " Dispute resolved consumer disagrees ''. So I called XXXX to see what I can do, I had already challenged it by uploading my proof of the letter tht I sent to them had not been validated. I spoke with a guy named XXXX at XXXX on XX/XX/XXXX and he told me that and I quote, " companies don't have to provide XXXX proof that a debt belongs to a consumer, we just take their word for it and apply it to your credit report ''. So I said, " you mean to tell me that anybody can say I owe anything and have it slapped on my XXXX credit report? '' He just sat there in silence and said nothing. I asked him, " how would he fill if someone just slapped anything on your credit and you were told that the company did not have to provide proof of it? '' Once again he silent and said nothing. This can not be ok for us people. That XXXX does not require any validation and just lets companies place on anything on your report. The company never responded to my letter that I sent back in XX/XX/XXXX either. People credits are being hurt by this and it is not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
THE ACCOUNTS LISTED ON MY CREDIT REPORT IS NOT MINES AND ALSO THERE ARE SEVERAL INQUIRIES ON MY CREDIT REPORT ARE NOT MINES AND THIS IS STRESSING ME OUT AND DAMAGING MY LIFE. I CAN'T SLEEP NOR EAT PLEASE HELP ME RESOLVE THIS ISSUE ASAP.

Company response to consumer: Closed with explanation