vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
Please see attached.     I received a letter and a check in the amount of {$37000.00}. I am not sure of the exact date I received the letter and check. The check is fro  m Portfolio Recovery Associates, LLC due to a Consent Order with the Consumer Financial Protection Bureau regarding their Litigation Department collection calling practices.
I was not aware of this consent order or that I would be receiving these funds back. Hence the check was not cashed within the 180 days after issuance and is not void ( I am assuming so, as I have not tried to cash it ). The letter and check came in a plain envelope and appeared to be junk mail.
Upon opening the letter, I contacted Portfolio Recovery o  n  XXXX   XXXX ,    2017  about this issue. I was told  by Portfolio Recover  on  XXXX   XXXX ,  2017  that a check has been reissued and I should receive it with in 7 bu siness days.     Today,  XXXX   XXXX ,  2017 , I called  Portfolio Recovery to inquire about the check as 7 business days has passed. I was told that they are not re-issuing a check because the original date on th e check exceeds 365 days. This is in stark contrast on what I was told on  XXXX   XXXX . I asked for a letter explaining their decision and they said there is not  one. I also asked for a copy of the Consent Order as I never received one. Portfolio Recovery has not provid  ed a copy of the consent order and was told they are not sure if they could provide one. The request will be forwarded to a manager.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
My credit score dropped XXXX points from XXXX to XXXX due to an inadvertently missed payment of {$210.00} in XXXX of 2017 on a XXXX credit card. The missed payment was due to a paperless bill which was sent to an incorrect email account for an unused credit card. The charge was for the credit card fee and a recurring membership fee that I was unaware of. I immediately paid the balance when I became aware of the past due status but now it is reported on my credit report as late. As a result, my credit score dropped significantly - over XXXX points - for one missed payment. I never received a paper statement which would have allowed me to pay it on time. I also never received any phone calls about it.

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 2017-06-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SECURITY CREDIT SYSTEMS INC
State: PA

Complaint narrative:
On XXXX XXXX, 2017 via return receipt I sent Security Credit Systems a letter asking them to verify a debt that was on my credit report of {$290.00} and a complete itemized accounting of this debt. Telling them if they could not provide this to delete this from my credit report. They sent a another bill for XXXX with o details of what constituted that amount. I then contacted XXXX via return receipt and asked them to remove this debt as Security Systems failed to verify what this debt was for. XXXX said they contacted them and the balance is being reported correctly, they did not address that it could it be validated with an itemized statement of services. I am asking you to please contact Security Credit Systems and XXXX and have them remove this debt from my credit report. Please see attached documents as proof of my case and requests. Also that the XXXX XXXX court requires in a ruling that itemized accounting is required to validate a debt. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MI

Complaint narrative:
This is the second complainant regarding Beneficial Mortgage Company, ( HSBC ). The first complainant involved unpaid taxes for XXXX and XXXX. Property insurance fee of {$4100.00} Notice from XXXX County Treasury for back taxes exceeding 4,200.00. and additional fees to my account by XXXX XXXX XXXX totaling over {$6500.00} Complainant # 2 involves my conversation with HSBC on XXXX XXXX, about an increase in interest fees starting after XXXX/XXXX/XXXX. I was told by XXXX XXXX that my interest fee would increase to 3.0 after XXXX/XXXX/XXXX. In 7 years the fee would increase to 4.0 and after 8 years the interest rate would increase to 4.4 percent. The statement from HSBC states my interest rate of 2.0000 % would remain the same through XXXX. I am enclosing a copy of my monthly statement from HSBC. The statement verifies the interest rate of 2.0 percent until the year XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Unknown Company never authorized inquiry, do n't even know or am a where of Company never owned or applied for a mortgage. Called them multiple times they are unaware of who I am never in there system. XXXX XXXX Report XXXX XXXX from XX/XX/XXXX MISC, XXXX XXXX XXXX XXXX XXXX NJ XXXX Equifax Report XXXX XXXX from XX/XX/XXXX MISC reporting agencies XXXX XXXX from XX/XX/XXXX MISC reporting agencies Please delete updated reports

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I contacted the  XXXX  credit bureaus by phone, mail, and online indicating to them that there are multiple inquiries that I do not recognize. However, they failed to investigate and remove these inquires off of my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: ND

Complaint narrative:
I am a victim of identity theft and have been a victim of identity theft for over 11 years. The following 2 accounts and credit inquiry are fraudulent : XXXX/XXXX XXXX, XX/XX/17, XXXX/XXXX XXXX, XX/XX/17,  XXXX/XXXX XXXX XXXX XXXX, XX/XX/17, Further, I want the following personal information added to my credit report : Employer : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX, Phone : XXXX Position : XXXX XXXX XXXX XXXX Annual Salary : {$150000.00}

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 2017-06-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have sent letters to all   XXXX   credit bureaus in  XXXX  asking them to remove credit inquiries that were not authorized by me. I have fraud protection on my credit files so that authorization must be given in order to pull my credit. Can you please help me. 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 2017-06-19 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have sent letters to all   XXXX   credit bureaus in  XXXX  asking them to remove credit inquiries that were not authorized by me. I have fraud protection on my credit files so that authorization must be given in order to pull my credit. Can you please help me. 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 2017-06-19 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
XXXX  is not receiving my updated bank account balance from Bank of America.

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 2017-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To Who m It May Concer n   XXXX   XXXX    XXXX   XXXX   XXXX , CA  XXXX    XXXX   XXXX    XXXX   XXXX   XXXX , TX  XXXX  Equifax  XXXX .   XXXX   XXXX   XXXX   XXXX , GA  XXXX   XXXX ,  XXXX    SOC #    XXXX  DOB  XXXX / XXXX / XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX  To Who m It May Conce rn : This letter is a formal request to correct inaccurate information contained in my C redit Reports. The item ( s ) listed   below are as follow : Have enclosed a  XXXX  bills ***PLEASE UPDATE MY C URENT ADRESS  ADDRESS :  XXXX    XXXX    XXXX   XXXX   XXXX   XXXX   XXXX  FL  XXXX  BEEN LIVING THERE SINCE  XXXX / XXXX / XXXX  THESE ADRESSES ARE MY OLD ADRESS :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   FL    XXXX  Old number and is no longer mine :  XXXX  *****MY CORECT NUMBER  XXXX  CELL Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance w ith 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my   claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.     Furthermore, pursuan t to 15 U.S.C. 1681i ( b ), I   request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.   Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the  past six months.      Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item  ( s ) in qu estion, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as require d by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to compl y with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a copy my state issued ID and a paystub statement with my Name and current address.      XXXX ,  XXXX   SOC #   XXXX  DOB  XXXX / XXXX / XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: DISCOVER BANK
State: GA

Complaint narrative:
I received a letter throug h Magistrate Court  on  XXXX   XXXX ,  2017 , that my ac count with Discover had been turned over to an attorney for collection. I asked my mother to call Discover and see what was going on and request a copy of my last statement of charges, since I am not able to use my phone during work hours. She was told that I had to call them to give permission for my mother to speak with Discover about my account. I had to call twice and gave my permission bec ause when my mother called to speak on my behalf the first time they said they did n't show where I had called. After being transferred several times, my mother spoke with a representative that said since my account had been turned over to an attorney for debt collection that they ( attorney ) would have to request a copy of the last statement. My mother called the attorney 's office on  XXXX   XXXX ,    2017  and had to leave a voicemail with their representative assigned to my case. He did n't call back until  XXXX   XXXX ,  2017 . On  XXXX   XXXX ,  2017 , my mother told the attorney 's representative that we are asking him to request a copy of the last statement fr om Discover. He reluctantly said it might take a little time to get from Discover. A s of today,  XXXX   XXXX ,  2017 , I have received nothing! They are dragging this situation out so they can tack on more penalties and interest! My mother called attorney 's office again today and had to leave voicemail again. The she call ed Discover again to request a copy of last statement again, but was told that I had to give my permission fo r them to speak to her. I called and gave them my permission t wice ( again ) and was put on hold and then told I would have to give my mother power of attorney befo re they could speak with her. I told them I did n't have time for all of this run around since I was at work on my lunch hour trying to handle this. I AM TRY ING TO PAY THIS DEBT OFF but keep getting the run around with Discover. I left out names of representatives that I spoke with, ( but I have them documented ). I just want a copy of my last statement to verify the charges that Discover says I owe..I do n't thi nk they would just pay for something without knowing what they were paying for!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
I have a loan agreement with the loan compan y Navient.  Recently I was contacted by a company, I now know to be fake, to pay a total of {$690.00}, that was to be broken dow n into three payments over three months. These payments were supposed to go toward my debt and ente r me into a program for my debt to be forgiven. I was told they needed my bank account information to begin the application process, and that if I did n't get into this program my wages would be garnished. I called Navient this month to tell them I could not afford the payment and was informed that I do not have any payments scheduled and was advised to call an  XXXX  number. I was given a number to call back if i had any questions. I called that number today and it was the number for  XXXX   XXXX  which is a debt collection agency for  XXXX   XXXX   XXXX , and the extension number I was given does not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
XXXX   XXXX ,  2017 , I mailed the Annual Credit Report Request Form  to Annual Credit Report Request Service i n  XXXX , Georgia.   I have received my credit report from  XXXX  and  XXXX . I have not received my Annual Credit report from Equifax.   Today is  XXXX   XXXX ,  2017 . I pulled up EQUIFAX website and chatted with someone. They gave me  XXXX . It asked to press  1  if I wanted to complete a survey after the call. I pre ssed 1 and  then "  XXXX  '' answered the phone. He asked questions to confirm my identity. He was very rude and kept interrupting. I would ask him a questions and he would not answer them and simply reply that I would be sent a copy of the report in the next 15 days.    XXXX  also stated he did not have it in his system that a report has been requested. He gave me confirmation #  XXXX  said it is in the way and hung up.   The system did not allow me to complete the survey.     Does it take 30 days to get my report? I tried to do it online, however, it said I did n't answer a question correctly and stated I had to request it in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To Whom It May Concern TransUnion  XXXX .  XXXX   XXXX   XXXX , CA  XXXX    XXXX    XXXX .  XXXX   XXXX   XXXX , TX  XXXX   XXXX   XXXX .   XXXX    XXXX   XXXX , GA  XXXX   XXXX ,  XXXX   SOC  #  XXXX  DOB  XX/XX/XXXX   XXXX     XXXX     XXXX   XXXX   XXXX   XXXX ,   XXXX    XXXX  To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item  ( s ) list ed below are as follow : Have enclosed a  XXXX  bills ***PLEASE UPDATE MY CURENT  ADRESS ADDRE SS :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   ,    XXXX    XXXX  BEEN LIVING THERE SINCE  XX/XX/XXXX  THESE ADRESSES ARE MY OLD ADRESS :  XXXX   XXXX   XXXX     XXXX     ,    XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   ,    XXXX    XXXX  Old number and is no longer mine :  XXXX  *****MY CORECT NUMBER  XXXX  CELL Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance wit h 15 U.S.C. 1681i ( a ) (   5  ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.     Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.   Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the pas t six  months.     Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item  ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so   will result in a complaint being filed with the Federal Trade Commission I have also enclosed a copy my state issued ID and a paystub statement with my Name and current address.      XXXX ,  XXXX   SOC #   XXXX  DOB  XX/XX/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 2017-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I HAVE AN ACCOUNT FROM  XXXX   XXXX   XXXX   XXXX  SHOWING AS A CHARGE OFF ACCOUNT. THIS IS NOT MY ACCOUNT AND SHOULD NOT BE ON MY CREDIT REPORT. I HAVE CONTACTED EXPERIAN IN REGARDS TO THIS ACCOUNT MANY DIFFERENT TIMES AND THE ACCOUNT IS STILL SHOWING ON MY CREDIT REPORT. THEN THEY LIED AND SAID THE ACCOUNT WAS NOT ON MY REPORT. CLEARLY IT 'S STILL THERE AS MY DOCUMENTATION SHOWS. LIARS.

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 2017-06-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Upstart Holdings, Inc.
State: MD

Complaint narrative:
Invested in loans  with Upstart. I have  my account settings on " do not reinvest '' for several years. I just received an email that I made  XXXX  loans for {$100.00} each/ {$300.00}. I tried to contact the company by email and phone. I received an automatic email and they never answer the phone ( on hold for over an hour )

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation