vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-03 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I have been attempting to dispute unverified accounts on all 3 of my Credit during this process I have sent 2 dispute letters as well as debt validation letters each certified to XXXX, XXXX and XXXX  on dates XXXX XXXX and XX/XX/2020. To XXXX XXXX XXXX, XXXX XXXX known as XXXX and Portfolio Recovery. And the only responses I have received from the Debt Buyers as well as the Credit Bureaus was them verifying the accounts belonged to me without any documents indicating I am who the accounts belongs to. They have been unable to provide me with an original contract ( s )  bearing my signature, account history and other documents I have requested twice. Furthermore after failing to receive proper debt validation from these Companies it has been brought to my attention these debts has been misrepresented. In the Violation of the Fair Debt Collection Practices Act, also in respect to Section 623 of the Fair Credit Reporting Act furnishers must note delinquency within 90 days, list the same date as delinquency as the original creditor and notify consumers of negative listings within 30 days of reporting. All of these statues have been violated by these Debt Collectors and Or Collection Agencies regarding these accounts. I have submitted this complaint in attempt to have these debts removed from all 3 credit  bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: WI

Complaint narrative:
Received a collection letter from American Coradius International LLC today attempting to collect {$4000.00} from a XXXX XXXX   account that I have no idea existed, and certainly was not opened by me ( 2015 ) without my knowledge or consent. Not the first time I have had to dispute fraudulant accounts with XXXX or especially XXXX XXXX. Both should be held criminally responsible. This account has not shown up on any recent credit score reports. I have contracted with a credit score repair firm XXXX XXXX XXXX over the past few months and this account whether delinquent or active has never appeared on my report. I would like to charge XXXX XXXX with criminal negligance for allowing this account ( again ) to be opened without my knowledge or consent and thus negativley affecting my credit score. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 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: EQUIFAX, INC.
State: OH

Complaint narrative:
The below accounts do not belong to me please remove them from all three credit reporting agency 's. They are stopping me from providing for my family and stopping me from buying a home. I have never done business with this company. 

XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX {$67.00} XXXX XXXX XXXX   {$220.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 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: OH

Complaint narrative:
The below accounts do not belong to me please remove them from all three credit reporting agency 's. They are stopping me from providing for my family and stopping me from buying a home. I have never done business with this company. 

XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX {$67.00} XXXX XXXX XXXX {$220.00}

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 explanation
Consumer complaint received 2020-08-03 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: U.S. BANCORP
State: IA

Complaint narrative:
i was told by us bank credit card that i was under covid 19 with them. i was under the understanding of covid protected your credit score with no negative report and payment was differed or ok not to be paid. well come to find out that all their covid was to prevent late fees. the lady I've been dealing with for at least three months said she has no idea how us bank is reporting account to credit bureu. never was there anything mentioned about this being reported as a missed payment now that I've found out what they have done it has destroyed my credit. this is wrong and misleading info that they give on the phone. this is no help and these people that work their lie about they know nothing about how these covid cases are handled and reported to the bereu

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 2020-08-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I would like to file a complaint against American Express. On XX/XX/XXXX I made a purchase of {$500.00} and immediately after that I  received an email stating that my credit limit had been lowered to {$51000.00}. My credit limit before the decrease was {$10000.00}. At the time I only owed them about {$3000.00}. I immediately called american express to find out why this was done and I was not satisfied with their answer. They tried to tell me it was based on my credit report from XX/XX/XXXX, but this was not true because they sent me an email right after I made this purchase. When I spoke to the customer service representative, he told me if I made a payment of {$1100.00} in the next few days then my credit limit would be restored. I sent them the {$1100.00} and my credit limit was restored to {$10000.00} in a few days. I should not have been forced to make an additional payment in order for my credit limit to be restored. I had just made payment to them. This same situation happened to me with another american express card that I had. In XX/XX/XXXX, I made a charge of {$10000.00}. On this card I had a credit limit of {$17000.00}. Then in XX/XX/XXXX when I got my statement they lowered my limit to {$12000.00}. They had sent me an email stating that they would. I always pay my bills on time and never have been late or gone over my credit limit, but without any warning AMEX just lowered my credit limit. I have had credit cards for over 30 years and this has never happen to me with any other credit card company. Is this a normal practice for credit card company to do this? When a company lowers your credit limit this affect your credit score because it raises your utilization rate of your credit cards. I am in the process and paying off both of these cards and closing out these accounts. I also have another card with american express. Which is the gold card. I will be closing this one out also. I will not do business with a company that treats their customers unfair. On the gold card I pay an annul fee on the other two I do not,  but I know every time I use my cards american express gets paid because the merchants pay a fee. I just wanted to make the CFPB aware of this unfair practice and see if there is anything legally you can do to stop this unfair practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
On XXXX XXXX Caine and Weiner received a debt verification letter from me to verify the debt they are reporting and they could not provide it. all they sent me is a bill from them saying I owe them XXXX According to the FAIR CREDIT REPORTING ACT Section 609 Disclosures to consumers ( a ) ( 1 ) ( A ), they are required by Federal Law to verify through the physical verification of the ORIGINAL SIGNED CERTIFIED CONSUMER CONTRACT of any and all accounts you request to be posted and or reported on a credit report. 
And I hereby demand to see a copy of the validated Proof ... They have til XXXX XXXX to verify the debt or it should be removed from all credit reporting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: TN

Complaint narrative:
On XX/XX/XXXX made a XXXX payment to Frontier/Barclay Credit Card Account it was posted by Frontier on XX/XX/XXXX. I received a letter on XX/XX/XXXX stating that my XXXX payment was posted incorrectly to my account and transferred from my account to someone else 's. I have proof of payment from my bank of all payment for XXXX, XXXX and XXXX. They refuse to return that payment after four phone conversations. I want to file a complaint against them after reviewing the account they said it would take two months to look into the matter. That is ridiculous. They should return my money then if they want to look into it they can and write a letter showing proof that the XX/XX/XXXX payment was not mine, because I have proof it is mine. Frontier Account number ending in XXXX. Frontier Ref Case #  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 monetary relief
Consumer complaint received 2020-08-03 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 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: NY

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2020-08-03 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: GA

Complaint narrative:
I have submitted a total of three disputes to Experian ( dates : XX/XX/2020, XX/XX/2020, XX/XX/2020 ) Experian has refused to do an investigation into my disputes. After I have provided all the necessary supporting documents and proper identification. 
They are now in violation of FCRA Sections 616, 617, 609, 611 and 605B.

When I attempt to call, no one answers and an operator gives me  prompted choices that has nothing to do with my concerns. If I do not chose any of the options the operator hangs up on me. At this point, Experian has continued this willful and negligent noncompliance and I am submitting this complaint to the Consumer Financial Protection Bureau to investigate their practices further.

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 2020-08-04 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: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
I am reaching out to you in regards to an issue with account # XXXX. It is of great concern to me and I havent been able to get it resolved with customer service. 

There is a late payment showing up on the account for the month of XX/XX/2020. 

I am the kind who pays bills promptly and timely. In all my years of credit history, XXXX included, Ive had all payments paid on time and in an orderly fashion. 
As I am a busy man, I hired a bookkeeper many years ago. She has been taking care of all my bills, payments and so on and so forth. 

I was very surprised to see this late payment show up on my report. My bookkeeper claims she hasnt received a statement for that payment and was still setting up the payment plan as this is a new lease, and therefore didnt know of a payment due. 

It really upset me. This is my account yet I heavily relied on her making the payments, as shes been doing for years. Please understand the situation here as this was way out of my control. The bookkeeper is at fault here and she claims she knew nothing of the payment due. I cant do anything else at this point, other than reach out to you. 

I will be extra cautious in the future to make sure something of the like doesnt happen again. 

My credit report is otherwise clean. This late stands out and is affecting my credit negatively. I am trying to get a mortgage loan right now and it is impossible to do so with this mark on my report. It must be deleted. 

I turn to you to please remove the late from my account. 
Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: SoFi Mortgage, LLC
State: NC

Complaint narrative:
I refinanced my home through Sofi Mortgage LLC on XX/XX/XXXX. 

I never received a welcome packet in the mail from XXXX or an information via email letting me know that they were handling my loan. 

Not receiving a welcome packet or email I was under the impression that I would still need to mail my first mortgage payment to the address listed on the First Payment Letter that i received in my refinancing packet during closing from Sofi.

I sent my payment of {$1200.00} to Sofi Mortgage LLC on XX/XX/XXXX. 
It was delivered and signed for on XX/XX/XXXX, I sent the check and paid for it to be certified delivered via USPS, meaning someone would have to sign for it. 

On XX/XX/XXXX the check was then cleared. 
According to my bank the check was never endorsed, just had a stamp on it that said RECEIVED. I have a copy of the check and confirmed that the check was not endorsed, and just had the received stamp. 

a few days later I received a letter from XXXX asking for my XX/XX/XXXX payment. 
Sofi Mortgage LLC sold my loan to XXXX XXXX on XX/XX/XXXX or XX/XX/XXXX with giving my an heads up. I was caught off guard because I had sent my payment in and already knew that it was delivered, signed for, and cleared. I called XXXX to confirm that my payment had been forwarded but they had no knowledge of any payment being sent from Sofi Mortgage LLC nor could they see anything pending. 

I reached out to Sofi Mortgage, and they have no trace of my new mortgage, since it was sold to XXXX the loan number they gave me was a temporary loan number and no longer in their records. ( However, I am still getting mail to this day that is asking me to buy insurance for my new mortgage with Sofi Mortgage LLC ) I spent countless hours on the phone with Sofi Mortgage. I even called the company that handles their payments, XXXX, and they were never able to help me. 
I was given many different phone numbers to try and find someone who could help me, but after two weeks of constantly fighting to find my missing check no one was ever able to track it ot resolve my issue. 
I even contacted the person who I was working with from Sofi Mortgage LLC and he no longer works for Sofi Mortgage LLC, he  passed me along to someone else who wasnt ever able to help me. 

I filed a dispute with my bank in early XXXX but still to this day, XX/XX/XXXX, have no idea where my mortgage payment is. 

I also have no idea why Sofi Mortgage LLC would tell me to mail them a check, and then tell me they dont have my loan number or any account information anymore but then cash a check that has the loan number on it that is no longer in their system.

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 2020-08-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Student Loan Financial Assistance
State: CO

Complaint narrative:
I received a phone call from a young lady who told me her company could get much of loan paid off - by consolidation if I paid {$230.00} x 5 months with and t hen {$77.00} there after until XX/XX/2023. No interruptions or late pay then rest of loan will be forgiven. I made 2 payments - XXXX and XXXX. Then I kept getting information and instruction from XXXX who has been servicing my loans. So I called Student Loan Financial Assistance because I was confused about who had my consolidation and was receiving my money. They assured me that they had contacted XXXX and I should be paying Student Loan Financial Assistance to pay off my loans. I called XXXX who told me this was a scam. No one can buy student loans owned by Dept. of ED. So I was just giving my money away to this company. Also all student loans are on hold until XXXX due to COVID 19 with no interest being applied. I paid the XXXX and XXXX payments. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
This company practices predatory loan tactics. I am cover under the service members relief act however, they raised my interest rate from 0 % to 30 % in a pandemic. They stated the promotional rate back charged me interest from 18 months ago. This was over {$2700.00} in interest. When I told them I had lost my job and talked to the company in XXXX due to the pandemic the representative XXXX laughed at me, and told me their was nothing he could do. And I should read next time. 30 % interest should be against the law! Please outlaw these practices.

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 2020-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC
State: VA

Complaint narrative:
Lexington Law has not produced any credit repair corrections since approximately XXXX. Even very simple ones ( a mortgage that was not foreclosed, but is marked foreclosed ) has not been challenged or corrected. Despite this, they have charged me every month for " credit repair '', yet no credit reparations have occurred since XXXX. Furthermore, they closed my account for " non payment '', even though the payment is shown in my transaction history and on my credit card statement. I made an inquiry on my " case progress '', but they refused to provide service because the account was " closed '' when it up to date and in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 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: Autovest, L.L.C.
State: GA

Complaint narrative:
I have been attempting to dispute unverified accounts on all 3 of my Credit during this process I have sent 2 dispute letters as well as debt validation letters each certified to XXXX, XXXX and XXXX   on dates XXXX XXXX and XX/XX/2020. To XXXX XXXX XXXX, XXXX Formerly known as XXXX and XXXX XXXX. And the only responses I have received from the Debt Buyers as well as the Credit Bureaus was them verifying the accounts belonged to me without any documents indicating I am who the accounts belongs to. They have been unable to provide me with an original contract ( s )  bearing my signature, account history and other documents I have requested twice. Furthermore after failing to receive proper debt validation from these Companies it has been brought to my attention these debts has been misrepresented. In the Violation of the Fair Debt Collection Practices Act, also in respect to Section 623 of the Fair Credit Reporting Act furnishers must note delinquency within 90 days, list the same date as delinquency as the original creditor and notify consumers of negative listings within 30 days of reporting. All of these statues have been violated by these Debt Collectors and Or Collection Agencies regarding these accounts. I have submitted this complaint in attempt to have these debts removed from all 3 credit bureaus.

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