vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Suttell, Hammer & White, P.S
State: CO

Complaint narrative:
I have a judgement that is being held against my from XXXX and XXXX XXXX XXXX XXXX Attorney at Law, this judgement resulted as a garnishment. The garnishment was paid in full and I have documentation to prove it. They keep sending me letters saying judgement is valid and that they did an investigation and that it must be paid. I have yet to receive a call back after numerous calls trying to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
Told them after $ XXXX of dollar being spent to fix this car its still not fixable and I was on reemployment assistance but was not receiving any income. Guy stated nothing they can do, so payment is messing up credit. He just wants to extend my payments but its higher now because they ended up repossessing my car and I had to use my savings to get the car just for it to become messed up again and its currently being fixed on once again. Tried to come to a agreement for reasonable price but they insist I pay {$8000.00} debt left in this time of hardship.

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 2021-05-01 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items that need to be deleted are listed in my report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade commission 's identity theft affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
In XX/XX/XXXX after numerous calls, I agreed to make monthly payments to midland credit management even though I told them I couldn't afford it, but I was afraid they would have tried to sue me for my stimulus check that was on its way during that time, and it also didn't help that their letter was threatening legal action against me if I didn't respond. So, I agreed to XXXX dollars a month for each account the XXXX and XXXX midland bought this account from XXXX  XXXX as collateral. I tried paying those payments but I couldn't, so I stopped. As a result of not being able to pay ; midland is now XXXX  the credit report system by reporting each account twice a month. The first report was on XX/XX/XXXX, and the second was on XX/XX/XXXX, XXXX midland tactics are abusive. my credit score went down 4 points as a result of their XXXX I currently owe the dept of education XXXX how in the world would midland think I could afford to pay them. please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
ON XX/XX/XXXX a dispute letter of request for validation of debt was to Phoenix Financial was placed in the mail. It has been over a month and the collector has yet to remove the collection from my credit reports. I plan to send a follow up of this request again tomorrow XX/XX/2021 in attempts to resolve this matter with them. 

Phoenix Financial has a different address listed on their website than what the XXXX has. I will attempt to send the letter to that address in order to have this matter rectified, prior to your investigation being complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 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: Yamaha Motor Finance Corporation USA
State: TX

Complaint narrative:
Contacted Yamaha about removing 6 late payments. Was told to email their correspondence department and they would remove it. However, the correspondence dept did not respond to my email.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: IN

Complaint narrative:
I keep receiving the call from XXXX XXXX ( XXXX ) as scam call of debt collection. I don't have any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: TN

Complaint narrative:
When I bought my house last year in Tennessee, the mortgage was immediately sold to a company called XXXX XXXX XXXX XXXX of XXXX  XXXX, VA. XXXX which is owned by LoanCare LLC. 
I immediately noticed that their website or app didn't work as I had questions about extra principal payments. It is also impossible to reach a customer service representative over the phone. Endless voice prompts that lead to nowhere. My worst fears are coming true as they now have stopped paying my homeowners insurance and I suspect they are about to force a higher premium on me to ultimately drive me into foreclosure and take my house away. There are hundreds of complaints like mine on social media about this company. Why is no one doing anything about them?

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 2021-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I am writing to dispute a fraudulent charge on my account. I am a victim of identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R. 226.13. See also 12 C.F.R. 226.12 ( b ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
Citibank XXXX XXXX Branch on XXXX and XXXX XXXX Ive been with Citibank for over 16 years always kept a high amount in the checking and savings {$10000.00} in each account This is been an ongoing problem this time its gone too far A fraud alert was put on my account back in XX/XX/XXXX it was lifted off of my checking account but not my savings account its still under fraud alert I cant get into my saving account to transfer to my checking I do this when my funds in checking get low especially when I have a big project that Im working on which is a part of my job Its now XX/XX/XXXX why is my savings account still held XXXX for that fraud alert from XX/XX/XXXX? 
How could they clear one account my checking and not the other my savings? 


Ive gone to the branch and they couldnt do anything they tried calling on the phone couldnt and get anywhere I have been calling as well before and after I went into the branch I finally got a hold of the Fraud department however its the wrong one from what Im told The fraud department Ive been in contact with can not do anything theres a special entity thats holding my account XXXX who what why and where who knows? 
No one can lift this fraud alert from my saving account but one entity within the fraud department By the time I go tru The verification process with each person new person I speak with and when They finally get me to that special entity within the fraud department its CLOSED Its been closed for 4 days in a row then I am told wait and contact them another day when they OPEN So now Im stranded as a XXXX until that special entity within the fraud department opens on Monday What kind of banking system is this? 
No can make this fiasco of a mess up I have to leave and move out of town for my current project on Monday but now I cant due to Me having to stay and have Citibank lift the fraud alert from my savings having to do this is costing me more money that I can not afford an Unnecessarily hardship Which is depleting my account in checking I had to borrow money from my parents for the first time ever in my life ever to put enough money into my checking to cover my living expenses until Citibank fix The problem they created 6months ago The fraud department can not lift the fraud themselves they have to go to another special entity within their own department who, what, why and where is such an special entity Who knows? 


This is very concerning to me how is it possible that they leave the customers hanging like this How is it that I do not have access to my own account and I have to wait how many days now How is this OK? Let alone right This is a new Low for this banking system

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 2021-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX ( and XXXX company debt was transferred to ) has not verified this debt despite my many requests for them to do so. I acknowledge opening this account. However I was a victim of credit card theft and identity theft when I was living overseas in XXXX. The FTC Identity Theft report was forwarded to these companies as well as XXXX, experian and XXXX back in XX/XX/XXXX. I also requested statements to show proof of debt ( verification of debt ) in XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX -- all non-responsive. Non responsiveness to the XX/XX/XXXX ( more than 45 days ) is a violation of the US Fair Credit Act, and should have resulted in this adverse reporting being deleted from all credit bureau reports. To date, I have not received a response AND it has not been deleted. I have filed dispute with all credit bureaus and the item remain. This is a violation of my rights.

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 2021-05-01 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: Exeter Finance, LLC.
State: TN

Complaint narrative:
These accounts no longer mine. According to 15 USC 1605 ( 5 ) it states that the insurance protecting the creditor against the obligor 's default or other credit loss, this is clearly violation of the law to to report with profit loss write off. I am formally requesting a copy of any documents, bearing my signature, showing that I have a legal binding contractual obligation to pay you, I am requesting you to sent the wet ink contract bearing my signature to be sent to me upon receiving this letter. 
ORIGINAL CONTRACT PAYOFF DISCLOSURE INTEREST RATE DISCLOSURE BALANCE HISTORY PAYMENT HISTORY CREDIT INSURANCE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX ( and XXXX company debt was transferred to ) has not verified this debt despite my many requests for them to do so. I acknowledge opening this account. However I was a victim of credit card theft and identity theft when I was living overseas in XXXX. The FTC Identity Theft report was forwarded to these companies as well as XXXX, XXXX  and equifax back in XX/XX/XXXX. I also requested statements to show proof of debt ( verification of debt ) in XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX -- all non-responsive. Non responsiveness to the XX/XX/XXXX ( more than 45 days ) is a violation of the US Fair Credit Act, and should have resulted in this adverse reporting being deleted from all credit bureau reports. To date, I have not received a response AND it has not been deleted. I have filed dispute with all credit bureaus and the item remain. This is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 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: TX

Complaint narrative:
I filed a dispute with this company and they have yet to remove a medical bill from my credit report.This collection is in direct violation of my privacy rights protected under the federal HIPAA law. HIPAA does not regulate credit reporting of medical bills. I demand this be removed at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 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: NJ

Complaint narrative:
My credit score is decreased by more than 130 points, My Lender XXXX XXXX ( XXXX XXXX XXXX  ) has reported account is deliquent on XX/XX/2021, where as I did the Full Last full payment on XX/XX/2021,

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 2021-05-01 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: DE

Complaint narrative:
Truck was in an accident in XX/XX/2020. XXXX XXXX took 3 months to finally say the car was a total loss. I asked them numerous times if they were in contact with XXXX who held the note on the truck. They assured me that they were and my credit would not be affected. I now have missed payments on my credit report and my score has dropped 100 points from over a 700 to barely 600. This issue is still not resolved and is affecting my finances. It is still on my report that account is still active when i have a paper from progressive saying its a total loss and is being paid off. Neither XXXX  or XXXX will help me in anyway. My next step is to take legal action

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 2021-05-01 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: KEYCORP
State: DE

Complaint narrative:
Truck was in an accident in XX/XX/2020. XXXX XXXX took 3 months to finally say the car was a total loss. I asked them numerous times if they were in contact with keybank who held the note on the truck. They assured me that they were and my credit would not be affected. I now have missed payments on my credit report and my score has dropped 100 points from over a 700 to barely 600. This issue is still not resolved and is affecting my finances. It is still on my report that account is still active when i have a paper from XXXX  saying its a total loss and is being paid off. Neither XXXX  or keybank will help me in anyway. My next step is to take legal action

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have disputed an inaccurate account with Experian a number of times. I have disputed it with the other 2 bureaus and the item was deleted. Not from Experian however. This last time I mailed in my dispute and they received it around XX/XX/XXXX. It is only XX/XX/XXXX and yet they are saying the item remains. The dispute is regarding a car that was paid off with insurance. I have asked Experian to send me proof of validity to no avail. How did they investigate after only 10 days. This is causing me to not be able to purchase a home. I am desperately trying to get them to correct this discrepancy NOW!

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 2021-05-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: NV

Complaint narrative:
I applied for public service loan forgiveness on XX/XX/2020. I have completed all requirements. Such as 10 years in public service as well as yearly employment certifications. When contacting FedLoan they stated it can take up to 3 months for forgiveness. It has now been almost 5 months and nothing. They state the application has been forwarded to Federal Student Aid. When contacted they provide little information regarding the status of my application.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Management Partners, LLC
State: NC

Complaint narrative:
This collection company, rmp Services llc have been attempting to collect a debt in the amount of {$3100.00}. I have tried to have this company to remove collection from credit report but they have failed to do so twice. Their latest communication Efforts with their response to a Previous complaint stated That services were for a minor child but yet still Failed to verity the debt that would include services provided, services for whom, service dates, and any contracts that i have with this Company to provide payment to them for services they have not rendered to me or anyone else. Please remove debt from any and all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
I tried to dispute debt with Portfolio Recovery Associates, LLC by requesting debt validation. A bill is not validation. I just did my initial complaint with CFPB for them to validate debt. They did not validation debt, they just send bills like previous request. I am looking for debt validation of alleged debt not bills. I did not receive the initial notification on XX/XX/XXXX. I received that notification with bills. I sent request on XX/XX/XXXX and XX/XX/XXXX for debt validation of the below items but they continue to send bills and not validation information. 

-Proof of your right to own/collect this alleged debt in Maryland XXXXContract bearing my personal signature

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
Cash app closed my account without any notice. I had previously purchased stock thru cash app, after noticing my account was closed I attempted to sell my stock in the app but continuously go an error message. I email the provided contact information over 4-5 time and could never get any assistance. A live rep isn't available so I continued over almost a year trying to get assistance. I reached out to XXXX chat in XXXX and was told that the opened a case to help me and it's been over 2 weeks and I still have received any assistance.

Company response to consumer: Closed with explanation