vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Revenue Corporation
State: TX

Complaint narrative:
On XX/XX/2021 I received a notification on my bank account about a negative impacting debt of XXXX This was made by the XXXX XXXX XXXX XXXX XXXX ( Account reads that the Original creditor is XXXX XXXX XXXX ). 

I have sent three dated letters to the agency. The first letter dated around the month of XX/XX/2021, I received no response. I requested the validation of this debt under Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809. I asked for alleged services, what the money I owe is coming from, procedures performed and more. I will upload my letters below. I sent it twice, the second time was dated XX/XX/2021. 

This time I received a letter from the collection agency on XX/XX/2021, they called my letter vague, although I couldn't be more specific as you well see. They also called it frivolous- not having any serious purpose or value. 

As an organization that dedicates their time to protecting consumers and investigating the topic of ethical businesses, I ask that you review this activity. 

I was way from home for college. I finally responded on XX/XX/2021, after I gave them 30 days to send validation. This third letter was certified and was intended to let them know about the failure to validate after multiple attempts. I requested a response be delivered before 16 days, but following their last letter, things do not seem to be moving. This case has made it extremely hard to recover, as a first generation college student with no real support, it has also caused me great discouragement to progress in my studies and caused much mental distress. Additionally, with this horrid pandemic we are all struggling with.I just ask for your help and updates. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 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: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
I made a purchase through Amex travel co and charged to Amex credit card. Due to industry issues and Covid, the flights changed. I was unable to make those changes. I attempted to contact Amex travel multiple time, and they were not responsive ( understandable given industry issues ). That said, I contacted Amex card services to dispute the charge because services were not delivered and they were not responsive. The problem is that Amex card services would not allow me to dispute the charge with their own company. They couldnt help resolve, but would only refer me back to travel company, who was unresponsive. I had to press for days and hundreds of lines of chats for them to finally submit a dispute. I feel strongly that they inappropriately tried to block my rights because it was within their family of companies. I have many, many chats with associates and supervisors that any reasonable person would agree with my claim. If I hadnt made it a process on principle, I do not believe Amex would have complied

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I C SYSTEM INC ORIGINAL CREDITOR XXXX XXXX XXXX IN THE AMOUNT {$310.00} THIS ACCOUNT WAS OPENED FRAUDULENTLY WITHOUT MY CONSENT AND OR KNOWLEDEGEMENT

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 2021-12-29 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: PA

Complaint narrative:
I have disputed this Account # XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX account with the XXXX and received the attached response that this account is no longer to be reported yet it is still on my Experian credit report. I have also disputed this account with Experian directly but there is no response.

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 2021-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I have a bank account with Santander Bank, XXXX MA. Bank allowed account to fraudulently be accessed using fake information and all my funds withdrawn. Bank states it has no lability. Then closed account with XXXX balance. I have NEVER made withdraw from the bank account. Amounts withdrawn were Fraud and bank refuses to take any action. I was told Its too bad I have lots of documents I can provide. 

Financial Loss My entire bank balance of {$1300.00} Allowed withdraw by XXXX XXXX and XXXX XXXX Santander Bank XXXX XXXX XXXX, XXXX, MA

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 2021-12-29 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: Nelnet, Inc.
State: NY

Complaint narrative:
Payment have been made since XXXX it was {$33000.00} and has a current balance of about {$11000.00} Some charges are XXXX XXXX old and qualify to be challenged

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NV

Complaint narrative:
I have been making my payments monthly with a direct debt from my checking account and sent to my mortgage loan servicer for application to my mortgage. 
In the past when my payment amount changed due to an escrow analysis I continued to payment my old payment amount. When I received calls from my mortgage servicing company they would provide the dollar amount I need to pay in order to become current and I paid that amount. However, now they are saying that I am a full monthly payment behind, and I am not. 
I have attempted to explain my payment history and requested supporting documentation from my mortgage servicer and I do not get the information I have requested and my email send to the XXXX XXXX at LoanCare has gone unanswered.

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 2021-12-29 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: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
I received a letter in the mail in early XXXX that Barclay would be closing my account on my XXXX credit card that ends in XXXX. My payments have not been late nor have I had any issues with this or any Barclay cards that I have. I called the company today to see if they would reinstate my card and they declined to do so. I no longer have the letter that was sent.

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 2021-12-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: ADIR INTERNATIONAL LLC
State: NV

Complaint narrative:
On XX/XX/21 my car was broken into and thieves stole all of my identification, my passport card, social security card, debit and credit cards. I have placed fraud alerts and frozen all three if my credit files with the bureaus. I also signed up for life lock. It has been a nightmare. every day I received several alerts of people trying to open credit in my name. One was actually successful. Someone opened an account with a company called CURACAO and was able to receive {$2000.00} of credit in my name. I contacted the company but didn't get anywhere. I disputed it with XXXX XXXX and they are working on it. The account in question was opened on XX/XX/21. I froze my credit files in XXXX. Still not sure how they were able to open an account in my name after I took all of these precautions.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: AZ

Complaint narrative:
We recently had a XXXX XXXXXXXX Bankruptcy discharged in XXXX of 2021. Specialized Loan Servicing ( SLS ) is our mortgage lender since they bought our loan from XXXX XXXX over six years ago. We have always paid the mortgage on time. SLS claims our XXXX and XXXX payments for 2021 were late but that was not the case. SLS posted the payments incorrectly and we did not become aware of the problem until we received a XXXX Statement showing that we owed more and claiming that we owed a past due amount. We tried contacting them through phone calls and letters but SLS is still making the same claim. We provided bank statements showing that all payments had been made on time for the past two years but SLS is still refusing to update their records and remove the late reports from the credit bureaus. We have tried complaints to the XXXX, SLS still claims we were late two months. We have tried the credit bureaus and received the same results and no changes to our credit report. 

We have been denied a cash out/refinance because of this. Even though the lender can see the error made by SLS via our documentation we forwarded, the lender states that they have to adhere to the government guidelines and denied us the loan because of the two late payments but they did empathize with our situation. We now have to wait four more months until a solid year of no missed payments shows on our credit. We are being penalized for SLS error with our mortgage.

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 2021-12-29 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 44 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report promptly. Therefore I demand these accounts be removed immediately or I will file for litigation due to the stress you have caused me. My information was impacted by the data breach and may have gotten into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-30 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: FL

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and no third party is involved in the process. I have been dealing with unauthorized use of my personal information. Which result in unauthorized items on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-29 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: NJ

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-29 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: NJ

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-29 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: NJ

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
I was sued by LVNV for a debt that I do not owe. On XX/XX/2021, the case was dismissed. However, LVNV is still reporting negatively on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HYUNDAI CAPITAL AMERICA
State: PA

Complaint narrative:
I have contact this company on multiple occasions in the last 2 1/2 years one being XX/XX/21 regarding a account placed on my credit report due to identify theft. I have spoke to multiple representatives regarding this matter and was told that a fraud packet would be sent out to my home on several occasions for me to complete and mail back which I never received, on XX/XX/21 I spoke to XXXX badge number XXXX who told me that no packet was ever sent out to me and every time I requested for a packet to be sent out my request was denied from the back office, when I asked why he stated he was not sure! I have sent in several police reports to the company and still nothing!! There are refusing to do their part in helping me fix this issue.

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 2021-12-30 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: CA

Complaint narrative:
To whom it may concern, Since XX/XX/2021 my husband and I have been trying to track a Bank of America Visa credit refund in the amount of XXXX. A credit refund was processed from XXXX XXXX XXXX  XXXX for a reservation that was cancelled. XXXX XXXX XXXX  XXXX purchase was made using XXXX as a financial go between. The refund was processed by XXXX XXXX XXXX XXXX and sent to XXXX XXXX who then sent it to Bank of America it is at this point where the refund seems to have been lost. We have asked XXXX to trace the refund more than a few times and each time XXXX has responded that the refund of XXXX was successful. XXXX also gave us a trace I.D . number XXXX. XXXX explained in the letters we received the following. ( Copies of letters will be enclosed. ) If you are unable to find your credit by reviewing your card or bank statements, please provide the following reference number to your card issuer : XXXX. 

This number should enable your bank or card issuer to locate the money. 

We have made dozens of calls and spent countless hours with Bank of America and have explained the situation with this refund and given them the trace number from XXXX. No representative of Bank of America that we have talked to knows what to do with this trace number provided by XXXX. We are usually told by the BofA representative that we need to go back to XXXX XXXX and ask them to trace or recall the refund. We of course have also called XXXX multiple times and spent hours running into the same response from them telling us they have sent the refund and we need to go back to BofA to help us with this situation. 

If you read the letters we have attached you will find a more detailed explanation of the transaction and refund. What BofA is saying is that when we made a claim with them it was 4 days late and they could not dispute the charge with the merchant. We are not disputing the charge with the merchant we are trying to understand where our refund has went to, and BofA is basically saying they cant do anything. So the refund of XXXX is in some sort of limbo between XXXX XXXX and BofA but since we have the reference number from XXXX XXXX we feel this is an issue that BofA needs to solve. We would be glad to discuss this issue with anyone on your team to answer any questions. 



Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, CA XXXX Email : XXXX Phone : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Millco Management
State: GA

Complaint narrative:
Received mutiple from company stating the debt was removed or deleted XXXX and XXXX. Every few months they post the inaccurate debt back on my credit report or report it back to the credit bureaus. 

It's continuously reporting negative and inaccurate data which prevents me from attaining approvals and new credits

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I have reached out to this company multiple times regarding a account opened up in my name fraudulently, I have spoken with 2 supervisors who said that they would open up an investigation but never provided me with any information and when I called to check up on the investigation I was told that they couldnt find it. The last time I called in an spoke to a representative regarding this matter was XX/XX/2021. Nothing has been done to help me on this companys side, they are feeding me false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: STERLING BANCORP
State: CA

Complaint narrative:
i first emailed The be company XXXX XXXX on XX/XX/XXXX of this year about having received noticevof The closing of my account and asked in that email when i would receive my funds due to me from The acct which are almost at {$2700.00}. i ha e emailed them three morectikes since that that initial inquiry on The 9th to no gain no responses at all from them. Which their customer service service line doesvnot functiin property at all either??!!

Company response to consumer: Closed with explanation