vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-17 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: IL

Complaint narrative:
I was checking the rates I would get for credit cards and was instantly approved and issued a card. This makes my credit score weaker since I now have a lower average length of time with accounts opened. I don't understand why you can't just check w/o having a credit card issued. I did not and do not want that credit card or the negative impact it has made 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 explanation
Consumer complaint received 2021-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have asked experian XXXX and XXXX several times to investigate my credit profile with my disputes. if these accounts are not removed from my report immediately, I will take legal action against you as my right under federal law.

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 2021-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I want to add the content of the last case. All my money is in citibank. However, I paid for my credit card and bills, but citibank did not pay for my bills and credit cards, which caused my XXXX XXXX credit card to be closed for reasons. Payment returned! I deposited {$500.00} in the uphold company to buy XXXX  currency, but the XXXX currency increased from {$0.00} to {$0.00} each day, the currency 's profit was also confiscated, and my investment account was closed! The reason is that the deposit failed ... he suffered heavy losses. Not only did citibank not pay my bills and credit card, but it also charged me overdraft fees. I dont know what to do! Because many transactions in citibank were not paid, my money was in my checking account. I asked to get my cash back, but after the bank said it needed XXXX, I didnt have any right to choose. Facing the current covid-19 period, I dont have a job, but it will take 60 days for me to receive my money. So how should I live my life recently? I dont have any money anymore. I hope your company can help me faster! 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 2021-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: DISCOVER BANK
State: IL

Complaint narrative:
Discover bank account.There was fraudulent activity on account. Bank closed account. When they closed the account I received several incoming payments. They said they will pay it within two months this was in XXXX. They told me they owe me {$160.00} before they shut it down. Now their saying they owe me nothing. During the fraud they got all their money back, but I had 3 paychecks come during the account closure and their pretending they dont know about it. I just want my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: OH

Complaint narrative:
Notice for Proof of Claim This is a this complaint is submitted Under OHIO LAW U.C.C1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill XXXX or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt. 
I demand the following accounts be verified or deleted immediately : ONLINE INFORMATION SERVICES # XXXX, ONLINE INFORMATION SERVICES # XXXX, ONLINE INFORMATION SERVICES # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 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: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
I have reached out to this creditor and the credit bureaus on multiple occasions. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and i have yet to get a response to my disputes. the Tradeline is outdated and paid in full. I would like the negative tradeline remove from 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 explanation
Consumer complaint received 2021-04-17 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: IN

Complaint narrative:
I submitted a dispute letter to the 3 credit bureaus informing that an account is reporting that I have no knowledge of and I am a victim of identity theft. This account, XXXX XXXX XXXX continues to report on my credit report causing harm to my credit score.

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 2021-04-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: MO

Complaint narrative:
This collection was re-inserted on to my credit report after years of not being there, I had previously disputed and had removed being as I do not believe it was ever mine. I was never notified of intent to place as collection on my report and they have not sent any verification to me. I have never received anything in the mail from this collection agency. When I contacted them on the phone they tell me the debt is verified although the company who is the original creditor is XXXX XXXX and I'm a current customer and they tell me that they have no record of me having any other account nor do I owe them anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NC

Complaint narrative:
i applied for a mortgage forbearance with Select Portfolio Servcing through the COVID Pandemic and has applied to the company for a Mortgage Modification and have been denied and the only thing offered to me was a short Sale of my home. It is my desire to stay in my home and not loose my home. 
I have found a HUDCounselor to help fight this issue and I need assistance in this matter. Attached is the Loan Information.

Borrower Name ( s ) XXXX XXXX XXXX XXXX XXXX Account Number XXXX Due By XX/XX/2021 : {$64000.00} 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 2021-04-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: GA

Complaint narrative:
Dovenmuehle Mortgage Company is refusing to remove the PMI from my mortgage payment /escrow account event after my property 's " As Is '' value ( as referenced from Dovemuehle 's documentation ) brings the LtV well below the company 's required LtV of 80 %. 

I have recently had an appraisal done which indicates that my property 's value is $ XXXX ; this appraisal was not ordered by Dovenmuehle. While Dovenmuehle does require that they order the appraisal, Dovenmuehle has provided me with documentation which confirms that they are aware that my property 's LtV is well below 80 % without the need for an appraisal. 

I have made several attempts to resolve this matter with Dovenmuehle, but they continue to give me the run arounds, and appear to be calculating the LtV using my loan balance - loan amount versus loan amount - property value. 

I have emails and documentation from Dovenmuehle which confirms the dates and amounts in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: AES/PHEAA
State: NJ

Complaint narrative:
I lost my job due to the Corona Virus Pandemic then broke my XXXX and had an issue with the XXXX and am going through intense Physical Therapy because I can not use my XXXX XXXX. I am right handed and am a XXXX XXXX/ XXXX XXXX/XXXX person and can not find work. This student loan company has been attempting to collect against me since the very beginning of the pandemic. I have told them repeatedly that I have no income yet they have not followed the governments rules since day one of the Pandemic XXXX keep adding interest every month to my loan and will not give me any more forbearance 's due to lack of any income. I am XXXX years old I am on food stamps and barely making it. My parents pay for my electric and cable bill and water bill because I have no income coming in yet they insist I make income based payments with no income coming in.On top of this the school was sued by many students back in the XXXX XXXX when I was a student there but I was to young to sue them. They closed up because of lawsuits because of illegal practices with student loans so I feel like I should not even owe this loan. I can not afford an attorney and need help please. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to notify you of the violation of my rights under Federal law. Understand that if these accounts are not removed from my report immediately, I will take legal action against you as my right under federal law.

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 2021-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
I was a member of a gym ( XXXX XXXX in XXXX XXXX XXXX ) that I prepaid for an entire year in XX/XX/XXXX. Then, in XX/XX/XXXX, I rented a locker from the gym on a month-to-month rental agreement for the rate of {$35.00} per month. I voluntarily prepaid {$380.00} through their online system in order to not have to pay monthly. However, by XX/XX/XXXX, I realized that I could no longer be a member of the gym, due to logistics and scheduling issues. I requested that the gym cancel my membership and reimburse/refund the remainder of the locker fees ( {$310.00}, calculated as {$380.00} minus {$35.00} XXXX minus {$35.00} XXXX ). The gym ignored me for some amount of time, then stated by email that they considered the locker payment to somehow be a membership payment : " Those 2 payments in question are both considered paid-in-full memberships even though one was somehow applied to a locker. We can not issue refunds on paid-in-full memberships. '' Following this, the gym stated " The best way to handle this is for you to dispute the locker invoices for the months not used, plus I think there was an accidental charge today of {$70.00} while the girl was looking over your account, and I will not fight the dispute if it looks right. '' ( They were clearly just trying to keep the money and make it difficult for me to get it back. ) Subsequently, I filed a dispute with my bank, Ally Bank, stating the same and providing the documentation enclosed with this complaint. Inexplicably, Ally Bank refused to resolve the dispute in my favor, even though : ( 1 ) the gym stated that they wanted me to dispute it with my bank and that they would allow the dispute to rule in my favor ; ( 2 ) the gym 's continued possession of the {$310.00} is a breach of contract and a violation of contract law ( as it was a month-to-month agreement where I voluntarily prepaid for 12 months ) ; and ( 3 ) my bank has an obligation to address issues of fraud and, since the gym made a written admission as to the fraudulent categorization of the monies paid, this dispute involved fraud. Despite all of my best efforts, Ally Bank repeatedly and willfully misconstrued basic facts, duties and obligations, and the law. Even though I haven't had a locker with the gym since the end of XX/XX/XXXX ( having terminated my month-to-month rental agreement ), the gym has unlawfully kept {$310.00} of my money and Ally Bank has refused to act appropriately.

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 2021-04-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
Sent a Letter to LVNV Funding requesting to verify the debit, however, my request has been ignored and LVNV Funding continues reporting this as a collection account monthly on my credit reports. I have attached the letter I sent requesting the verification of this debit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 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: IN

Complaint narrative:
I submitted a dispute letter to the 3 credit bureaus informing that an account is reporting that I have no knowledge of and I am a victim of identity theft. This account, XXXX XXXX XXXX continues to report on my credit report causing harm to my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to notify you of the violation of my rights under Federal law. Understand that if these accounts are not removed from my report immediately, I will take legal action against you as my right under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 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: NY

Complaint narrative:
I am writing to notify you of the violation of my rights under Federal law. Understand that if these accounts are not removed from my report immediately, I will take legal action against you as my right under federal law.

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 2021-04-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I have reached out to this creditor and the credit bureaus on multiple occasions. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and i have yet to get a response to my disputes. the Tradeline is outdated and paid in full. I would like the negative tradeline remove from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 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: FL

Complaint narrative:
I have submit a dispute letter to the 3 credit bureaus informing of inaccuracies on my report on inquiries I did not authorize, inaccurate accounts that are closed and continue to report on my report. Medical Collections that I have no knowledge of. These negative information are hurting my credit score and I asked for investigation with 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 2021-04-17 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: FL

Complaint narrative:
I have submit a dispute letter to the 3 credit bureaus informing of inaccuracies on my report on inquiries I did not authorize, inaccurate accounts that are closed and continue to report on my report. Medical Collections that I have no knowledge of. These negative information are hurting my credit score and I asked for investigation with 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 2021-04-17 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: FL

Complaint narrative:
I have submit a dispute letter to the 3 credit bureaus informing of inaccuracies on my report on inquiries I did not authorize, inaccurate accounts that are closed and continue to report on my report. Medical Collections that I have no knowledge of. These negative information are hurting my credit score and I asked for investigation with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 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: Resurgent Capital Services L.P.
State: WI

Complaint narrative:
I wrote XXXX starting in XX/XX/XXXX about a Collection company Lvnv reporting on my credit and ask to have it removed. As a result they did not remove it saying that it is mine. However, I wrote to all three credit companies and two of them XXXX and XXXX did remove it and then Lvnv tried to place it back on my report after it had been removed I reported it to them and they removed it again. So I wrote XXXX again and again and ask them to verify it and they did not but still has not removed it. I also wrote the company as of XX/XX/XXXX and they could not or did not verified they sent me a statement from the original creditor without any type of signature of mine. So as of now I have wrote back to them asking them to provide evidence that this is my account bearing my signature and let them know that what they sent to me for verification is not FCRA proof for what they sent is a statement letter from the original creditor and asked for immediately removal as of now has not complied or reported to XXXX that I am disputing these accounts. Not only that XXXX has allowed them to reopen this file on my credit report which was showing closed when originally disputed. Also it shows an inaccurate date, past due date, wrong high balance from when it was originally reported and a inaccurate date of last activity and is missing information and the account numbers have been changed several times and so has the addresses. This is my second step before I file a small claims against XXXX and Lvnv. All my disputes have been sent certified mail and I have all the copies, accept the one I sent through XXXX XXXX. This is damaging to my credit profile and as a result I am unable to receive a mortgage loan without this being removed off my credit report and they ( XXXX and Lvnv ) have left me no choice but to take action.

Company response to consumer: Closed with explanation