vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: CO

Complaint narrative:
Sometime in XXXX, there were 2 tradelines that negatively appeared on my credit bureaus with XXXX, XXXX  and XXXX. Both were for a creditor named XXXX XXXX with one alleged debt totaling {$5400.00} and the other one totaling {$1200.00}. This was after a Bankruptcy filing. I disputed the negative and inaccurate tradelines and the credit bureaus. They claimed to have verified the debts without provided the method used. So i reached out to Portfolio Recovery Associates LLC and requested full validation of the 2 debts in accordance with FDCPA laws. I never got any response. However the erroneous reporting to the 3 major bureaus continues to damage my credit and hinder me from establishing new credit and secure a vehicle loan and a place to live. I decided to dispute the tradelines again via the 3 credit bureaus. After sometime had passed they were once again verified ony by the credit bureaus and would remain on my credit reports. I then finally received a copy of only a front page of a bill only showing company and amount. There was not full validation of the debt or proof of debt by Portfolio Recovery Associates LLC to inlclude the detailed accounting of how the alleged balances were computed. By them not providing full proof of debt, they are in violation of FDCPA laws and therefore must remove any and all negative reporting to the 3 major credit bureaus otherwise they may be held in violation of FDCPA laws and become susceptible to being sued in a court of law for damaging my credit by reporting false information. As of today, XX/XX/XXXX, I have sent another correspondence to them demanding for removal of the negative reporting from all 3 credit bureaus immediately. They are illegally damaging my credit and ability to obtain housing. I have attached the correspondence that was mailed out to their address on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Kohls Credit Called me on XX/XX/XXXX to say I was 61 Days late on a payment. This was the FIRST phone call contact from them. I have never received a letter in the mail nor have I received an email saying I was 30/60 days late. 

I paid off my balance in full in XXXX. My next purchase was Holiday Shopping in XXXX. Kohls claims that there was a purchase in XXXX or XXXX which I do not recall. 

I asked Kohls Credit to please investigate because they were negligent on properly informing me on my payment status and there was a purchase that I possibly did not make, which is why I did not send a payment because I was unaware of a balance. I asked the rep and the supervisor to do the right thing and take the 60 day late delinquent report on my credit report. They refused and told me to call the president of Kohls. I even said I'll pay the balance IN FULL if you just take it off my credit report and the supervisor said he doesn't have the power to do that. They, again, told me to call the President. 

I called Kohls customer service and they said they opened an investigation but I get this feeling that no one is trying to help me. 

**This report will be CC'ed to Consumer Affairs, Attorney General NY, Attorney General WI, and Consumer Financial Protection Bureau**

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: TX

Complaint narrative:
On XX/XX/2018, I opened a credit card account with Discover. I have just checked my credit report & apparently I have late payments on XXXX, XXXX, & XXXX of 2018. I have had automatic payments set up since i opened the account, so I dont understand how I can have late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-19 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: CITIBANK, N.A.
State: FL

Complaint narrative:
My card citibank Mastercard was used fraudulently in XXXX. I disputed the charge three times with citibank providing documentation and proof that I was not in XXXX, nor I took the tour that was charged on my card. Citibank provided some documentation from vendor for somebody else. I answered asking them to at least read the charge that it was for another person. Citibank uses this fraudulent practice to send a letter back with no explanation, just that after their investigation the claim was denied. Their fraudulent practice is to get you tired until you might forget. 
I have talked to customer service and even have chats with customer service assuring me they will credit the fraudulent charge, then a month later I see the charge back on my credit card.

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 2020-01-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: MA

Complaint narrative:
Set up 2 payments to get current and the bank is still harassing us and making threats. Im a XXXX XXXX XXXX veteran of the United States XXXX. I have scheduled payments, not sure what the issue is, bank is even harassing us on a Sunday!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-19 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: Grant Mercantile Agency
State: CA

Complaint narrative:
I am unable to get all reports EXXXX XXXX WILL NOT RELEASE MY REPORTS I HAVE CALLED THEM SEVERAL TIMES. 
XXXX  has information on the account unknown and inaccurate incorrect payment amounts on accurate accounts such as XXXX   XXXX  payments. Its preventing me from getting a loan and growing my business I would liked this information removes XXXX XXXX XXXX XXXX AND OTHER CREDIT AMOUNTS CHECKED FOR UTILIZATION AND THE BLOCKS REMOVED FROM MY REPORTS XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/333 XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2009 2009

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-19 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am unable to get all reports Experian XXXX WILL NOT RELEASE MY REPORTS I HAVE CALLED THEM SEVERAL TIMES. 
XXXX  has information on the account unknown and inaccurate incorrect payment amounts on accurate accounts such as child support payments. Its preventing me from getting a loan and growing my business I would liked this information removes XXXX XXXX XXXX XXXX AND OTHER CREDIT AMOUNTS CHECKED FOR UTILIZATION AND THE BLOCKS REMOVED FROM MY REPORTS XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/333 XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2009 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 2020-01-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: AZ

Complaint narrative:
Please see below for copy of letter that I will be sending to PHH mortgage the current servicer of my loan. I have contacted Ocwen the prior servicer and PHH once before. 

" This is the third letter sent regarding Trustee/Title fees in the amount of {$820.00} that were added to my mortgage amount AFTER my loan was modified. The modification documents were drafted and sent to me and bear my signature with a date of XX/XX/2018 with the first modified payment due on XX/XX/18. I spoke to Ocwen Loan Servicing customer service department when these fees were first added and explained to them that it is a lending violation to add fees related to the modification after the modification has been completed and signed by both the borrower and the mortgage servicing company. After this discussion, those fees were removed from my statement but appeared again on Ocwen Loan Servicing statements and now the fees are showing on the statements from you. The fees should have been a write off for the servicer as non-recoverable. Please review the modification agreement that was executed by both Ocwen and I and you will see that the fees were not part of the modification agreement and should be removed. 
I am requesting again that you remove these fees as I should not be responsible for fees that were billed to the servicer after the modification agreement was executed. I have sent a copy of this letter to both the Attorney Generals office and the Consumer Financial Protection Bureau to assist. 
Thank you for your attention to this matter and I look forward to hearing from you. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I opened a UTMA Account for my minor daughter, she is XXXX. Since the opening of the account in XX/XX/2019, Citizens Bank has been holding deposits, reordering transactions, allowing small debit card purchases ( under {$25.00} ) to default the account so that they can charge {$35.00} on that nominal amount that had fallen into negative due to the banks reordering of transactions. To date, I have over {$1500.00} in overdraft charges and Sustained over draft fees. This bank is the most difficult to work with, I have made numerous calls to customer service ( at least ten ) regarding this issue of default ( which is comprised of ONLY fee 's by Citizens ). I  refuse to put another deposit into this account until they remove their exorbitant and fraudulent fees, They have already taken the last there deposits I put into the account for over {$400.00} to only put the account into further sustained overdrafts. This is a minor 's account and my daughter has been heartsick with losing her hard earned savings that was deposited into the account and then applied, every dime, to the overdraft fees. As a educated consumer I know what to look for with banks but this is robbery.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
I received a collection letter on XX/XX/XXXX from Transworld Systems Inc., regarding a " past due '' account balance of {$240.00} I supposedly have with XXXX XXXX XXXX ( XXXX ). The letter is dated XX/XX/XXXX. It provides no detail regarding the when this account balance is from or what it relates to. There is no way of verifying this information to be valid without calling XXXX and providing them with my personal information and " account number '' listed on the collection letter, since I have no current account with them. I refuse to provide them with this information with no current account. I have not had an account with XXXX since XXXX of XXXX and have received no form of correspondence from XXXX notifying me of any outstanding balance since then. It is absolutely ridiculous that I can receive a collection letter for a company I have not even had an account with in well over 3 years and no way to identify what the debt could be relating to. 

I find it very unethical of XXXX and Transworld Systems to attempt to collect a debt without providing any information regarding when and where the debt is from or any way to confirm its validity ( I don't believe it to be ). I am attaching a picture of the letter I received, for reference. I hope the CFPB can assist me in resolving this, so as not to negatively affect my credit score. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-19 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: NY

Complaint narrative:
I was attempting to by sports tickets from a seller via XXXX on Sunday, XX/XX/XXXX. He was to send me the tickets on XXXX and I paid him on XXXX XXXX via XXXX. I sent him the {$100.00} and no tickets were transferred. I could no longer get in contact with him. I tried to discuss with my bank, XXXX, but they would not help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-19 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: Credit Karma, LLC
State: MD

Complaint narrative:
Update to credit file not being applied to my report for more than 30 days, balance is reporting as unchanged by Credit Karma, although my credit union reports it monthly on the XXXX none of the credit reports is showing correct information on balance for past 45-60 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: TD BANK US HOLDING COMPANY
State: WA

Complaint narrative:
I shopped at Nordstrom rack on XX/XX/XXXX, and they asked if I wanted to use my CC on file that I had opened and never used in XXXX. They said I would receive a Nordstrom note. I agreed, and let them know that I did not have a card ; they said they would send a replacement and my statement. The alternative and comments were never received. 

I then left the country for the holidays in XXXX, while gone I did receive a statement, and I paid the amount in full the moment I arrived back home. Since then, I was reporting late the three credit reporting agencies, and it has lowered my score 80 points. 

I called Nordstrom Card Services and told them my erroneous circumstances, and they agreed to waive the late fees, but not report the errors to the credit reporting agencies. I asked for a letter stating that they rejected the charges, and they refused and told me I have to wait for my statement, which I will not receive in the mail until XX/XX/XXXX. 

I feel like there was an error with mailing my original card and statement and that they are unreasonable to remedy the issue. This is directly impacting my life and creating unnecessary hardships as I am in the process of refining my mortgage so that I can take money out and get a new furnace and water heater. Please help. 

I also asked to open a case with the executive resolution team so that I could submit my proof, and they were not willing. 

There address is as follows : Nordstrom Card Services XXXX XXXX XXXX XXXX CO XXXX Additionally, I asked for my account number/card number since I never received the card, and they said they could not provide over the phone. They did submit a replacement card, but that will take 7-10 business days. That is the reason, and I can not contain my account number with this complaint. I also have documents proving I was out of the country and can provide bank statements showing that I could pay the fee, and I did, pay in full, so there is a XXXX balance on the account. The reason I could not pay was due to not receiving the statement and then leaving out of the country. Please ask if you need those documents. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Account sold or transferred to another company
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Sony Card ~XXXX XXXX transferred to Comenity Bank in XX/XX/2019. 

Did not receive new credit cards or notices that Sony Card was  transferring its ' credit card accounts to Comenity.

Credit cards were requested several times.

No billing statements were ever sent by Comenity.

My payments ( 2 ) were not accepted by Comenity, as I had a wrong routing number for my on-line checking account. 

Comenity has suspended by use of the Sony Card, even though I now have a {$0.00} balance. My account is frozen for three months.

I have called Commenity many times ~ always the same answer ~ that's our policy. No one here can change that policy.XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
I disputed Portfolio Recovery with all three credit bureaus. There are two accounts in the amount of {$680.00} and {$430.00}. Neither one of these accounts belong to me. I sent in letters as well as entered disputes online asking for this to be removed from my credit. This false information is causing issues in the advancement of my life due to defamation of myself and my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-19 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: IA

Complaint narrative:
Equifax maintains that when my account was established wrong information was given. Trying to confirm what that information is to correct it has proved fruitless.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-19 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I submitted disputes for the following accounts with ALL of the Bureaus : XXXX Acct # XXXX balance {$110.00} XXXX XXXX XXXX Acct # XXXX balance XXXX XXXX Acct # XXXX balance XXXX XXXX Acct # XXXX balance {$870.00} XXXX, XXXX XXXX XXXX and XXXX were unverifable and removed from XXXX   and XXXX  however Transunion is still reporting these unverifiable accounts on my credit report. In addition XXXX no longer owns the account referenced above the account was sold to XXXX. This company has also been contacted I am currently waiting their investigation results due this error.

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 2020-01-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: AZ

Complaint narrative:
Please review attached. Toyota Financial Services approved a bogus auto dealer fraud loan on me by XXXX XXXX. XXXX  XXXX  charged me on new loan ( added ) my trade {$4600.00} to price of newer car ( THEY STOLE MY XXXX XXXX XXXX!! They charged me for a new XXXX XXXX XXXX {$19000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XXXX, I attempted to freeze my credit report with Experian multiple times using their web site ( https : //www.experian.com/ncaconline/freeze ), 3 times with my PO Box number and 3 times with my home address. Each time I got the message below. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - We were unable to honor your request to place a security freeze on your personal credit report based on the information you entered. 


Sending us your information To request a security freeze, send all of the requested information via certified or regular mail to Experian Security Freeze, P.O. Box XXXX, XXXX, TX XXXX. Include your full name, with middle initial and generation, such as JR, SR, II, III, etc. ; Social Security number ; date of birth ( month, day and year ) ; current address, and previous addresses for the past two years. In addition, enclose one copy of a government issued identification card, such as a drivers license, state ID card, etc., and one copy of a utility bill, bank or insurance statement, etc. Make sure that each copy is legible, displays your name and current mailing address, and the date of issue ( statement dates must be recent ). To protect your personal identification information, Experian does not return correspondence sent to us. 
Send copies of any documents you wish to provide to us and always retain your original documents. We will send you a confirmation notice once the security freeze has been added, and you will be given a personal identification number ( PIN ) that will be required in order to remove the freeze temporarily ( in order to apply for credit or for any transaction that requires that another party access your personal credit report ) or permanently.

Experian Security Freeze PO Box XXXX XXXX, TX 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 2020-01-19 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:
There are accounts that are on my credit report that 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 non-monetary relief