vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-21 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: GA

Complaint narrative:
I have reached out to PORTFOLIO RECOVERY asking for proof of this debt. I asked them to send me my signature from capital one that this debt is mined. PORTFOLIO RECOVERY refuses to do so. The only thing they will send me is an old credit card statement. THIS IS NOT verification. THEY are rude and will not send me what I'm asking for. I'm demanding they send me my signature asap or else send me a letter stating this account is not verified and remove IT ASAP of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Equifax, XXXX and XXXX continue to report that I have 2 dismissed XXXX XXXX 's even though I have sent them the letters from the Trustee showing that I did not enter into a XXXX XXXX  wage plan. Reporting that I have dismissed XXXX XXXX 's indicates I entered into a plan that was dismissed and that is not correct. I never entered any bankruptcy plan as the alleged single debt was never validated as being owed to the alleged creditor. This is erroneous reporting and needs to be removed. I have reported this erroneous reporting multiple times with the latest reporting being XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XX/XX/XXXX I was a victim on theft. Individua made unauthorized charges on my credit cards. I called Experian to close sever of my credit cards and I had an alerts and seven years lock in my credit report. XXXX XXXX I send a police report get everything fix. XXXX I find one of this charges back on my credit report. And called to dispute the charges I send the police report certified mail. And the respond is irrelevant I did everything from XXXX till XXXX. How can a charges goes back on my credit report from 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 2019-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX, Transunion and XXXX continue to report that I have 2 dismissed chapter XXXX 's even though I have sent them the letters from the Trustee showing that I did not enter into a Chapter XXXX wage plan. Reporting that I have dismissed Chapter XXXX 's indicates I entered into a plan that was dismissed and that is not correct. I never entered any bankruptcy plan as the alleged single debt was never validated as being owed to the alleged creditor. This is erroneous reporting and needs to be removed. I have reported this erroneous reporting multiple times with the latest reporting being XX/XX/2019.

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 2019-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX, XXXX  and Experian continue to report that I have 2 dismissed chapter XXXX 's even though I have sent them the letters from the Trustee showing that I did not enter into a Chapter XXXX wage plan. Reporting that I have dismissed Chapter XXXX 's indicates I entered into a plan that was dismissed and that is not correct. I never entered any bankruptcy plan as the alleged single debt was never validated as being owed to the alleged creditor. This is erroneous reporting and needs to be removed. I have reported this erroneous reporting multiple times with the latest reporting being XX/XX/2019.

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 2019-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital one debt collector called me multiple times XXXX XXXX2019 on the same morning at XXXX XXXX. I have a voicemail from them that I saved. I tried calling the number back and it does not accept incoming calls. I answered it the third time they called again at XXXX XXXX and they hung up on me. 

This is unacceptable! XXXX XXXX for a missed payment. 

Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 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: UT

Complaint narrative:
The late payments is inaccurate. I wasnt late 30 and 60 days for two consecutive months. how is that even possible? please remove the account. The XXXX XXXX XXXX  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 2019-02-21 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
all my cards where paid in full I'm closing on a mortgage and I explained that my accounts where not showing accurate amounts as paid in full. 
XXXX XXXX XXXX XXXX XXXX  - available : XXXX XXXX XXXX XXXX XXXX XXXX  -available : {$10000.00} XXXX XXXX XXXX XXXX - available : {$8900.00} XXXX XXXX XXXX- available : {$9000.00} XXXX XXXX- available : {$5200.00} XXXX XXXX XXXX-available : {$1000.00} XXXX XXXX-available : {$6000.00} XXXX XXXX available XXXX Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CADENCE BANCORPORATION
State: GA

Complaint narrative:
Last Friday, I received an email stating State Bank was merging with Cadence Bank and our online banking was no longer available. I tried to use Cadence Bank 's instructions to access my account without success. I called Cadence Bank on Saturday morning ( per the customer service hours on the website which are not accurate ) and there was no one available to assist me. Monday was a bank holiday. I called the customer service line again on Tuesday. I waited 10 minutes and someone answered ( XXXX, I think ) and said they had IT issues and she would call me back. Nothing. I called several times on Wednesday and no one at customer service ever answered. I've had no access to my account for almost a week and can not pay bills via bill pay ( which are now getting late fees ), have no idea what is being debited from my account, and can not make online deposits. The XXXX XXXX branch tried to help me yesterday and can not and has me on a list of IT issues. I think it is unacceptable for a financial institution to have such disregard for it's customers and cut access to their accounts for this length of time without resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 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: RI

Complaint narrative:
Please remove the accounts from my credit report..The accounts are showing multiple late payments..This is a clear violation of the FCRA and I have an attorney in place ready to move forward with legal actions XXXX XXXX, XXXX  XXXX, XXXX   XXXX, XXXX  XXXX, XXXX  XXXX, XXXX   XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX 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 2019-02-21 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: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
all my cards where paid in full I'm closing on a mortgage and I explained that my accounts where not showing accurate amounts as paid in full. 
XXXX XXXX card : XXXX - available : # XXXX XXXX card : XXXX -available : {$10000.00} XXXX card : XXXX - available : {$8900.00} XXXX XXXX card:XXXX- available : {$9000.00} XXXX card:XXXX available : {$5200.00} XXXX XXXX card:XXXX-available : {$1000.00} XXXX   card:XXXX-available : {$6000.00} barclays XXXX available XXXX Please help me

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 2019-02-21 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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
all my cards where paid in full I'm closing on a mortgage and I explained that my accounts where not showing accurate amounts as paid in full.

XXXX XXXX card : XXXX - available : # XXXX XXXX  card : XXXX -available : {$10000.00} XXXX card : XXXX - available : {$8900.00} XXXX XXXX card:XXXX- available : {$9000.00} XXXX card:XXXX- available : {$5200.00} wells fargo card:XXXX-available : {$1000.00} XXXX  card:XXXX-available : {$6000.00} XXXX XXXX available XXXX Please help me

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 2019-02-21 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
all my cards where paid in full I'm closing on a mortgage and I explained that my accounts where not showing accurate amounts as paid in full. 
XXXX XXXX card : XXXX - available : # XXXX XXXX/XXXX card : XXXX -available : {$10000.00} XXXX/XXXX XXXX : XXXX - available : {$8900.00} XXXX XXXX card:XXXX- available : {$9000.00} XXXX card:XXXX- available : {$5200.00} XXXX XXXX card:XXXX-available : {$1000.00} XXXX card:XXXX-available : {$6000.00} XXXX XXXX available 1000.00 Please help me

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 2019-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I had over {$400.00} used from my debit card through chase. I filed a claim right away and filed a police report, the claim was denied twice. I dont feel like they genuinely care or did an investigation and thats a lot of money for me to lose, not chase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-21 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: RI

Complaint narrative:
Please remove XXXX XXXX RHODE IS XXXX from my credit report..It is showing multiple late payments..This is a clear violation of the FCRA and I have an attorney in place ready to move forward with legal actions

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 2019-02-21 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: NJ

Complaint narrative:
Hello all my accounts where paid in full but its not reflecting. its the 2nd month I'm going for a mortgage and it seems to not being updated. Please have the companies update my accounts on my credit report god bless XXXX XXXX  card : XXXX - available : # XXXX XXXX/XXXX  card  : XXXX -available : {$10000.00} XXXX/XXXX card : XXXX - available : {$8900.00} XXXX  XXXX card:XXXX- available : {$9000.00} XXXX  card:XXXX- available : {$5200.00} XXXX  XXXX  card:XXXX-available : {$1000.00} XXXX   card:XXXX-available : {$6000.00} 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 2019-02-21 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:
Where do these accounts come from? I have no business transaction with any of these accounts. The account should be remove because they don't belong to me..XXXX XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX   XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-21 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: MO

Complaint narrative:
Where do these accounts come from? I have no business transaction with any of these accounts. The account should be remove because they don't belong to me..XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX   XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX   XXXX  ) XXXX, XXXX/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 2019-02-21 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: MO

Complaint narrative:
Please remove the account from my credit report..I have no business transaction with XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX This is a clear violation of the FCRA and I have an attorney in place ready to move forward with legal actions

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 2019-02-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Asset Management Outsourcing, Inc.
State: GA

Complaint narrative:
I sent a letter to XXXX XXXX XXXX requesting that they validate NOT verify a debt that they are attempting to collect from me. I specifically asked for a signed agreement and other documentation.They provided me with billing statements which does not prove I am obligated to pay them anything.Do you have reported delinquent information to credit bureaus that I am asking to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: National Credit Adjusters, LLC
State: MO

Complaint narrative:
I paid XXXX XXXX  in full. 
This company tried to take another payment out of my account for XXXX . I  showed my bank that I paid the XXXX in full. The company sold my account to Nationnal credit adjusters and it ended up on my credit report showing I owe XXXX $

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
This creditor has placed derogatory information on my credit files at least three times by changing the dates and amounts owed. I have never received notice from them about a debt. The collection just appears on my credit. Each time it appears on my credit I dispute it and it is removed. A few years ago it was removed when I disputed it with the CB 's. Last year I received a phone call from an agent from Midwest Recovery trying to verify the debt. I let her know that the account does not belong to me. She stated that she see 's where I disputed that before. I told her I did because it is not my account and I hung up. The very next day I got an alert from XXXX stating I have a new collection item from them for over {$600.00}. Before I could disputie with the CB 's it was removed within a week. Most recently XX/XX/19 it was placed on my credit again for over {$900.00}. Same company but different amount. I have filed a dispute with the CB 's again. I need information on how to prevent this company from putting this derogatory item on my credit especially without notification of a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANCO POPULAR DE PUERTO RICO
State: OR

Complaint narrative:
The appraisals made to my property under Loss Mitigation in Banco Popular of Puerto Rico as a requirement of the Short Sale program inflate the value of the property and do not follow the requirements established by FHA. Therefore affecting and stopping several sales offers since XXXX. The last appraisal made to my property on XX/XX/XXXX has the following irregularities : 1 ) The same appraiser has been used for the last 3 years. Based on the FHA criteria, a different appraiser must be used. 
2 ) The comparables used in this appraisal inflate the price of my property, affecting us to be able to sale the property. Two of the three comparable used in the appraisal were sold under the Rent-to-Own program of an REO property and the third comparable was sold with private financing. These sales may be flawed. In addition, these salse lack much information in the transaction, as well as conditions of ownership and the nature of the business. 
3 ) There is a comparable that favores the value of my property but it was not used on this appraisal. No explanation was given as why it was not used. The real estate broker, XXXX XXXX, asked the bank and the appraiser for reconsideration. He refused to review said value. 
4 ) FHA requires the bank to dispose of the appraisal no more than 30 days. The bank has taken more than 30 days to have available for the results of the appraisal. All documentation required by the bank was submitted by XX/XX/XXXX. The appraisal was completed on XX/XX/XXXX and the bank provided a copy of the appraisal on XX/XX/XXXX. 

I have been trying for more than 5 years to be qualified under the Short Sale program. Due to the appraisals made in the previous years, initiated by the Banco Popular de Puerto Rico, the sales have fallen or it has been impossible to obtain a willing buyer to pay what the appraisal indicates. This has affected my credit greatly and I would like to be able to restore my finances.

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 2019-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SUNTRUST BANKS, INC.
State: NJ

Complaint narrative:
Suntrust bank has restricted access to funds we entrusted to them through our business account. Bank personnel have refused to issue and honor official checks, blocked wire transfers and all other forms of debit, despite sufficient funds being available in the account. The bank personnel have provided no explanation for this 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 2019-02-21 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: FL

Complaint narrative:
Equifax continues to report wrong information on my credit report. I have called, done online disputes, chats, sent them notices in writing. The other 2 XXXX and XXXX have corrected the issues but equifax refuses to.

Company response to consumer: Closed with explanation