vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-18 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: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint because has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA - they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I made an bill payment using Chase Bank and they confirmed payment was made and withdrawal from my account but seem to always give me problem confirm or verifying the payment or hold the payee or online or debt was paid they should be required to track and prove payment and they do not help me to prove payment was received. XXXX XXXX XXXX have no record of payment but cash the check and they was able to buy my debt of XXXXXXXX XXXX this should be illegal please investigate my request for proof of payment and why there's no payment of listed in XXXX XXXX XXXX XXXX. account of cashing the check for the amount of {$100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERICAN EXPRESS COMPANY
State: MS

Complaint narrative:
On XX/XX/2021 I checked my credit report and saw many unauthorized credit report inquires. XXXX  of them being American express on XX/XX/2021. I recently was a victims of mail theft in which they were able to obtain my birth certificate and VA letter containing my SSN along with other mail. They stated they would flag the application as fraud and would send me a packet in the mail stating it was canceled. However, I still have this fraudulent credit report check on my credit that I did not authorize. I have made a police report of the identity theft with the local police as well as the FTC. There is currently a freeze on my credit report that I have placed as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: IL

Complaint narrative:
Hello Lexis Nexus, I wrote you previously regarding my personal information being gathered by you and shared to third party consumer reporting agencies. You are violating my rights to privacy by collecting my personal information without my express written consent and sharing my personal information to third party companies. I have proof that the bankruptcy court doesn't report any of my personal information to third parties proving you obtained my information without a permissible purpose. I sent a document to you via certified mailed with the tracking number USPS XXXX on XX/XX/2021 and haven't received a response yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Revenue Assistance Corporation dba Revenue Group
State: FL

Complaint narrative:
The Revenue Group calls my job, place of work and family all the time. They use threatening language. I've asked them to stop but they continue to harass me and about to have me fired from my job from the repeating calls and threats

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX has violated my rights within the Fair Credit Reporting Act. They resubmitted debt on my credit report without any additional information provided. As protected under the FCRA section 611 please remove this inaccurate information from my report immediately. 

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 2021-08-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MRS BPO, LLC
State: PA

Complaint narrative:
XXXX XXXX is attempting to collect a debt balance that is being inflated with a ridiculous amounts of fees. The debt has reached {$5800.00} which now includes {$890.00} of collection fees. This is outrageous and there is no way anyone would be able to pay a debt that continues to accumulate fees that are in the thousands. This is outright consumer abuse. I have attached the notice I received of the inflated balance that is attempting to be collected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
I called Capital One XXXX  in order to have the two credit checks placed on my credit report removed. I was hung up on one time after being on hold for 25 mins. I called back to try and get the issue resolved and am still on hold. Recently my birth certificate was VA letter contain my SSN were stolen form my mailbox. I have made a police report and made a case with the FTC and FBI. Someone fraudulently had my credit report checked on XX/XX/XXXX and XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect
State: IL

Complaint narrative:
i have recently put a identity freeze on my report because of fraud there is an account in collection in XXXX that is reporting in collection the creditor name is " Americollect Inc. '' i believe that this is in regards to a medical bill, but i have not seen any doctors this years. i tried calling XXXX to let them know this but no one got back with me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
BBVA reported a delinquent payment of my mortgage to credit reporting agencies. I had autopay set up on my account. When the funds ran low, I replenished money in the account. My service agreement with BBVA state that they then have the discretion to pull the funds for the payment. However, they did not pull the payment despite funds being in the account and did not notify me that they would not be pulling the funds and instead counted this as a late payment despite the funds being in the account. Their representative XXXX XXXX berated me on the phone and lied to me about BBVA 's discretion to pull the payment. When I confronted her about the lie, she escalated to her manager XXXX XXXX who closed the case without ever speaking to me. I recorded our conversation with XXXX 's knowledge where she denies lying to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
The following account is reporting on my credit report. I've requested numerous of times to provide validation from this collection company. This collection company has not provided me with any contract agreements towards this. I've been back and forward for over 1 year. This account was removed from my XXXX / XXXX Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I had an account with Capital One I went into to set up auto-pay so I wouldn't have to work about my monthly bills. I set up the auto-payment with my XXXX XXXX serve card which is a prepaid card. I was allowed to set up the auto payment with the prepaid card without an issue the auto payment was set. So I thought they money was coming out monthly like I set it up then when I received letters stating my account was past due. I did a payment online with the same card this time as a one time payment it processed. Then when I checked my account I still had a late payment I became frustrated and confused not knowing why my payments didn't work. I knew places that didn't accept prepaid cards say it as soon as you enter the information letting you know this card isn't allowed. I called in Capital One to process the payment which I assumed it got processed. Kept with the back and forward for a while then my account was closed off. 
Capital One is to blame why my account went past due if I was aware that my card wasn't allowed to make payments I would of made payments another way. But instead I put money on that card and set up auto pay thinking that my money was being taken to bill the bill. 
Capital One never gave me an error message even when I called the agents took the card to make a payments. Only when past due and I spoke with a supervisor I was told that it was a glitch in the system and they dont accept that type of prepaid card. Then with all the fees I couldn't afford to pay the balance plus fees so I gave up. Then when the account closed I paid them after some time and I was told that it would be removed of my report if I paid a certain amount and it was never removed. 
I need help removing this negative information of my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BAYSHORE MORTGAGE FUNDING, LLC
State: VA

Complaint narrative:
I purchased a home in XXXX XXXX, Florida in XXXX of this year. The mortgage lender has sold/transferred the the servicing of the loan to another company. My first payment and second payment were sent to the original mortgage company because the notice of service transfer was sent to the address of the home purchased instead of my current address in Virginia. The first payment was forwarded automatically to the new servicer. The second payment however was not. I have contacted the company several times and each time I am assured that the second payment was received by them and will be forwarded to the new servicer. As of today it has not posted to my account on the new servicers website. The payment in question was due on the first day of XXXX. That puts it almost three weeks late. Help, need some guidance here.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I noticed a change of Credit reporting back in XX/XX/XXXX where there was a collection fee and affected my credit substantially. 

In an effort to lower my debt and be current with all debtors i contacted Portfolio Recovery Associates LLC about a debt they reported in my Credit report. 

I filed all documents and sent them by email faxed, explaining this charge was not made by me since i do not have this card anymore since XXXX or earlier. 

And that on that date, i was not in The USA, i was overseas doing some work. 

So i ask them to verify where the merchant sent this order and verify it was not in XXXX Address. 

i received a document from XXXX XXXX, card, stating than i have a purchase made on XXXX, XXXX, XXXX for {$120.00} to a web page XXXX for a charge of 96 GBP in XXXX Pounds, Clearly not local, so is a charge of ID Theft. moreover from an account number which was not in use for more than 5 years, so how come the credit card Agency does not close an account where no card has been registered in more than 6 months. 

I ask to take this charge write off my credit report, since i will not pay for any expenses, since i did not make this purchase, but is clearly affecting my credit report, So hard trying to keep it clean as it was before the Divorce. 

Please i request your assistance removing this from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I recently checked my Experian report and saw a fraudulent collection from XXXX XXXX XXXX. 
I have never done business with this company I dont know this company this company doesnt have a contract with my signature. 


I reported a fraud report with FTC.gov on this situation.

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 2021-08-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Several disputes have been filed with the Capital One Auto finance and I called and still have no resolution. 

They continued to report on an account which was closed in XXXX of XXXX and in XXXX of XXXX they reported the account as negative. When I asked them to correct I was advised I needed to provide proof of an on time payment. There is no payment to be on time. And it is the obligation of the agency to ensure corrected information in their reporting The account literally shows that they closed it in XXXX of XXXX which was why it was closed. I would not have any proof to provide that they had received payment and I never received anything with documentation of the loan being closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MO

Complaint narrative:
Again, please provide me with the " exact '' information I am requesting! I need an itemized financial breakdown of each forbearance plan I was placed on. Plan # 1 {$13000.00}, Plan # 2 {$14000.00}, Plan # 3 {$3800.00}, Plan # 4 {$12000.00}, Plan # 5 {$8800.00}, Plan # 6 {$8400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I obtained a loan for consolidation. According to XXXX XXXX I defaulted on my loan ( My history does not show a default and is attatched I never received notification of any default aside from the warrant in debt ) my loan is secured with a car shown in contract. As a remedy for the alleged default XXXX XXXX issued a warrant and debt for the full balance. ( again because I did not have an actual missed payment ), XXXX continued the warrant in debt out from XX/XX/2021 until XX/XX/2021 stating even though my account was in default they wanted to be sure I made one time payments in XXXX the case was dismissed. During this time I contacted the office several times to inquire about why my account was referred to court and was told in order to get my account out of court my only remedy was to re-borrow and close out my current loan or repay the full loan. Since this time my credit report has been coded as a collections account under legal remedy and closed causing denial for rental homes. Attatched is the account status displayed to me which shows Active there is no indication of default or collections. I only knew of the case still being continued in court because I called once I received a copy of my credit report. Myself and my XXXX children will be homeless due to this companies antics to force me to re-borrow or pay in full. Please help me this company is deceptive. I never received any notices of default other than a warrant in debt for the full balance which i was told by XXXX XXXX would be dismissed because I didn't owe a monthly balance and my account is current all the records I have supplied are downloaded straight from their website. This company is abusing the Credit bureaus and legal system and must be stopped!

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 2021-08-18 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This company did not complete an investigation for the fraudulent hard inquiries on my credit report. I have submitted my FTC report along with dispute letters since XX/XX/XXXX. 

XXXX  : XXXX/XXXX  XX/XX/XXXX XXXX/XXXX  XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  Auto XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX  XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  : XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX Experian : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2021-08-18 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint because has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA - they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings
State: VA

Complaint narrative:
I received a phone call on XX/XX/17 at XXXX XXXX  EST from XXXX. The person identified themselves as XXXX and they were calling from IQ Data International. XXXX did not read me my Miranda Rights nor inform me the call was being records so I was oblivious to the nature of the call. When I began questioning what the call was in regards to, XXXX was short with me, cut me off, spoke over me and had a hard time answering simple questions. Again, had my Miranda Rights been read, I would've believed the validity of the call and understood it was a collection 's call. When I began explaining I needed to first verify his claims, XXXX was aggressive and engaged in predatory collection 's tactics. In an attempt to convince me he was legitimate, he read aloud the last 4 numbers of my SSN - anyone sitting near him could've heard this information. When I later called back the company, the agent who answered refused to transfer me to a XXXX and would only connect me with XXXX, despite my explicit request to speak to anyone besides XXXX. This company has representatives actively engaging in predatory collection tactics, but who are also unable to remember something as simple as reading Miranda Rights and informing a VA caller that they are on a recorded line.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc
State: MD

Complaint narrative:
I received a XXXX XXXX XXXX alert. I saw Hunter Warfield fraudulently placed a negative collection account on my credit report. I don't know this company and never had any correspondence from Hunter Warfield or notices.

There are no contractual agreement in place giving Hunter Warfield a right to collect any debt from me or report to the major credit bureaus.

Hunter Warfield is a fraudulent business with currently a 1.4 star with XXXX review, 1 star with XXXX, 1.23 star with XXXX, and not even XXXX accredited. Yet they can intrude on consumers credit report and harass consumers.

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