vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-06 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: LEXISNEXIS
State: MO

Complaint narrative:
I have a U.S Bankruptcy Courts that is reporting on my credit report. I have reached out to XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Per the FCRA 623 ( a ) ( 5 ) " If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer file. XXXX has yet to provide me with copies of all documentation associated with this Public Record Account bearing either a court order to place this information in my credit report, or my authorization of  release bearing my signature. Also when asking how they are getting the information. I receive a response that they are getting the information from Lexis Nexis. When I contacted Lexis Nexis they stated that they got the information from XXXX. I am getting furious with going back and forth between XXXX   and Lexis Nexis. This inaccurate information is hindering me from getting a home loan. 

Under the FCRA, section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the original signed consumer contract and or judgement all accounts ad public records hat you post o anyone 's credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
In 2017, I had my wages garnished unfairly by Pressler & Pressler for a debt that resulted due to identity theft for {$2000.00}. Theyre very nasty people & theyre sneaky people. I went through financial hardship & I was at risk for being homeless & I was struggling to pay my other bills. They didnt care about that. Watch out for Pressler & Pressler, they have a reputation of being scum bags just look at all of the complaints against them. Im trying to do everything to recover the stolen money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 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: MO

Complaint narrative:
I have a U.S Bankruptcy Court that is reporting on my credit report. I have reached out to all 3 Credit Bureaus on XX/XX/18, XX/XX/18 and XX/XX/2018. Per the FCRA 623 ( a ) ( 5 ) " If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer file. XXXX has yet to provide me with copies of all documentation associated with this Public Record Account bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. Also when asking how they are getting the information. I receive a response that they are getting the information from XXXX XXXX. When I contacted XXXX XXXX they stated that they got the information from XXXX. I am getting furious with going back and forth between XXXX  and XXXX XXXX. This inaccurate information is hindering me from getting a home loan. 

Under the FCRA, section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the original signed consumer contract and or judgement all accounts ad public records hat you post o anyone 's credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account 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 2019-03-06 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: EQUIFAX, INC.
State: NY

Complaint narrative:
The company first collect has me in collections for some dates I was never seen on and the others, I have insurance. I have been on SSI for over 15 years which automatically gives me insurance coverage ( Medicaid and or medicare ) I called the collection agency XXXX XXXX who is the collection agency for XXXX XXXX. They claimed at first I had no coverage and then said they had the wrong date of birth. I was also told that I would receive a call back in reference to this matter which I never did. I am also aware that because I have Medicaid I should never been billed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: CA

Complaint narrative:
I was never notifed about this debt until it popped on my credit my insurance was to cover all medical expenses i was. in a very bad car accident I then called the collection agency and they said they never sent out notice to me directly but sent notice to my insurance company XXXX and since they didnt hear from them they put it on my credit I then paid the bill and they said they would delete it but now they are saying they cant even when I wasn't notifed of this debt please help me to get this removed asap

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Atlantic Union Bankshares, Inc.
State: VA

Complaint narrative:
Opened a business checking account with XXXX XXXX XXXX XXXX ( regional in the Virginia and nearby area ) in XX/XX/2018 with a promotion attached to the account. Met the requirement of depositing money into the checking account and sitting for more than 60 days. Did not get the promotion bonus amount {$250.00} credit to the account. Was told there is another requirement of activities such as bill pay, debit card transactions, etc. However, the bank has not enabled bill pay for my account until today. I hope the bank can credit the {$250.00} to the account as the major requirement has been met and the fact the other requirement was not met because of the bank 's error, as a good-faith effort in addressing the issue with the customer. 
Note : The bank 's headquarter is located in XXXX XXXX XXXX XXXX # XXXX, XXXX, VA XXXX. There are multiple banks under the same name nationwide.

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 2019-03-06 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: MO

Complaint narrative:
I have a U.S Bankruptcy Court that is reporting on my credit report. I have reached out to all 3 Credit Bureaus on XX/XX/18, XX/XX/18 and XX/XX/2018. Per the FCRA 623 ( a ) ( 5 ) " If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer file. XXXX has yet to provide me with copies of all documentation associated with this Public Record Account bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. Also when asking how they are getting the information. I receive a response that they are getting the information from XXXX XXXX. When I contacted XXXX XXXX they stated that they got the information from XXXX. I am getting furious with going back and forth between XXXX and XXXX XXXX. This inaccurate information is hindering me from getting a home loan. 

Under the FCRA, section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the original signed consumer contract and or judgement all accounts ad public records hat you post o anyone 's credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Bought about 3100 in furniture from XXXX XXXX, in XX/XX/XXXX set a pre-paid amount there at the store. After 1 year the interest on the credit card increased so much that I have been paying 150 since XX/XX/XXXX yet I still owe XXXX. They have said they will not reduce or work with me at all ( I am fine to pay some of the interest they have alloted, but not the ridiculous sum of almost what I would have paid originally and 2 years and 4 months of payments of XXXX ). XXXX XXXX is the bank, I called them on XX/XX/XXXX. I spoke to XXXX who said he was a manager, and they said they will not do anything for me. Thank you for taking your time to look into this, and I am hopeful something can be done, I am willing to explore options to help resolve this.

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 2019-03-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I was foreclosed on twice once inXX/XX/2013 I tried to get help from a modification and was denied plus told that I didn't meet criteria when I did then after I finally finished paying XXXX to keep home they started doing shady things to my loan, they quit sending me statements, they changed my loan number witch is secured by the note in witch it was first signed and started, also they held mortgage funds I paid and put them on interest instead of principal witch thru me into foreclosure again i want to see that my pain and financial pain is not gone without true justice and i haven't seen one check that supposedly is being sent to all victims that were not granted modifications, please help me!!! Thank 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 2019-03-06 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: NY

Complaint narrative:
The company XXXX XXXX  has me in collections for some dates I was never seen on and the others, I have insurance. I have been on SSI for over 15 years which automatically gives me insurance coverage ( Medicaid and or medicare ) I called the collection agency XXXX XXXX  who is the collection agency for XXXX XXXX. They claimed at first I had no coverage and then said they had the wrong date of birth. I was also told that I would receive a call back in reference to this matter which I never did. I am also aware that because I have Medicaid I should never been billed

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 2019-03-06 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The company XXXX XXXX has me in collections for some dates I was never seen on and the others, I have insurance. I have been on XXXX for over 15 years which automatically gives me insurance coverage ( XXXX and or XXXX ) I called the collection agency XXXX XXXX who is the collection agency for XXXX XXXX. They claimed at first I had no coverage and then said they had the wrong date of birth. I was also told that I would receive a call back in reference to this matter which I never did. I am also aware that because I have XXXX I should never been billed

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 2019-03-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have an issue that is still reporting on my credit report .Under the Fair Report Credit Act, you are required to comply with the FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY. My student loan is CURRENT with the DEPT OF ED/XXXX xxxxxxxxxxxxxxxx XXXX. I have attached the letter from XXXX that my loan is in fact Current If the above items are inaccurate, misleading or incomplete, you have violated federal law. I expect you to make a re-investigation immediately. My social security number is SS XXXX DOB 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 explanation
Consumer complaint received 2019-03-06 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: Nelnet, Inc.
State: GA

Complaint narrative:
My first contact with the XXXX XXXX XXXX was XXXX to dispute the late payments. I contacted the XXXX XXXX XXXX again by fax in XXXX to dispute the inaccuracies once again. My student loans date back to XXXX. The agency is reporting the accounts as being 90/120 days late in XXXX. I advised the agent when she contacted me by phone about the deferment being approved during that time period as she agreed, but not backdated to the date in which was requested as the reported delinquent timeframe, as stated in the agreed contract. She stated it may be an error, but because it was awhile back it can not be rectified. This was not a satisfying resolution for the fact it is showing inaccurate, due to staff error and causing me to reflect a low credit score. Later in XXXX, I submitted another complaint through XXXX and received a " verified and confirmed '' status without investigation. Recently, my student loans were consolidated and are in good standings. The issue of the late payments are not my error and the agency has refused to cooperate with resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 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: OH

Complaint narrative:
I sent a debt validation letter to Portfolio Recovery to verify a debt on 2 XXXX XXXX Credit Card Accounts and a XXXX account that they claim I owe. Portfolio Recovery only sent me statements of the accounts, the statements they sent only show a balance owed it does not prove that the amount is correct from XXXX XXXX or XXXX. Portfolio Recovery did not send me all the information that I requested to prove that they own the debt and prove they are legally allowed to collect on these accounts. The letters that have a Portfolio Recovery letterhead all state at the bottom " This communication is from a debt collector but is not an attempt to collect a debt '' Portfolio Recovery is still reporting to all 3 credit bureaus on this debt that has not been Validated. No signatures are on any documents they have sent to me including original creditors documents they provided me with.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 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: NY

Complaint narrative:
I have an issue that is still reporting on my credit report .Under the Fair Report Credit Act, you are required to comply with the FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY. My student loan is CURRENT with the XXXX XXXX XXXX xxxxxxxxxxxxxxxx XXXX. I have attached the letter from XXXX that my loan is in fact Current If the above items are inaccurate, misleading or incomplete, you have violated federal law. I expect you to make a re-investigation immediately. My social security number is SS XXXX DOB XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have an issue that is still reporting on my credit report .Under the Fair Report Credit Act, you are required to comply with the FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY. My student loan is CURRENT with the XXXX XXXX XXXXXXXXXXXX XXXX  XXXX. I have attached the letter from XXXX that my loan is in fact Current If the above items are inaccurate, misleading or incomplete, you have violated federal law. I expect you to make a re-investigation immediately. My social security number is SS XXXX DOB 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 2019-03-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
XX/XX/2018 abrupt closure of two accounts ; 1 MC & 1 VISA.

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 2019-03-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Here is a chronological timeline of the events that happened which led me to filing this complaint ... ... ... ... 

XX/XX/2019 XXXX - alert-email about charge of XXXX XXXX [ fraudulent ] from XXXX ( later reverted back PERMANENTLY ) delivered to my XXXX inbox [ I did not initiate/authorize any purchase with XXXX ] XX/XX/2019 XXXX - " email verification '' request from XXXX delivered to my XXXX inbox [ I never initiated any email subscription for XXXX, nor have I ever used their services - they shouldn't even have my email address ] XX/XX/2019 XXXX - alert-emails from XXXX delivered to my XXXX inbox about : ( a ) charged XXXX $ amount [ disputed ] ( b ) order confirmation for " XXXX  XXXX XXXX  @ XXXX XXXX XXXX @ XX/XX/2019 @ XXXX, Order noXXXX '' ( c ) order ready to print [ I've never used XXXX services ever before - they shouldn't even have my email address ] XX/XX/2019 XXXX - tickets confirmation from XXXX delivered to my XXXX inbox XX/XX/2019 - transaction [ fraudulent ] from XXXX posted to my Bank of America credit card account XX/XX/2019 XXXX - call with XXXX  agent disputing the transaction and reporting fraud sometime between XX/XX/2019 and XX/XX/2019 - called up Bank of America, reported fraud and closed the credit card account. Also called up XXXX to review their arrangements with XXXX   who is their third-party re-seller XX/XX/2019 - fraudulent charge [ disputed ] on my credit card taken off by Bank of America XX/XX/2019 - letter received from Bank of America about taking off fradulent charge and that they are investigating further into my claim XX/XX/2019 - final letter from Bank of America that their investigation found that there was no evidence of fraud, hence the charge of XXXX $ added back to my new credit card account -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- SUMMARY : I never authorized or initiated the purchase of any concert tickets with XXXX and XXXX amounting to a transaction of {$140.00}. As I also have never used the services of both these organizations ever before, they should neither have my credit card information, nor they should have access to my email address. 

Reviewing the final letter sent to me by Bank of America, that has close to no information about the 'process ' of their " investigation '', it's very clear that the Bank has failed to do due diligence to their own investigation. I do not agree with the final findings of this investigation and I make a stand that the charge is wrongful/unauthorized/fraudulent and should be reverted from my credit-card account permanently.

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 2019-03-06 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
PORTFOLIO RECOV ASSOC Account Type Debt Buyer I have not entered any contractual agreement with this company and have no obligation to pay Portfolio Recovery Association. The company is a debt buyer. I would like this to be removed from my credit report and do wish to receive threatening phone calls from this company on a daily basis. I believe I am a victim on harassment this should be illegal.

Company response to consumer: Closed with non-monetary relief