vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-03 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 — Was not notified of investigation status or results
Company: CAINE & WEINER COMPANY, INC.
State: DE

Complaint narrative:
This company continues to report false information on my credit report. this company claims to be allowed to collect on this alleged debt. This company can not provide the contract that I signed that states I owe this debt. Further more this company can not produce actual proof that they purchased this debt from anyone. I demand to see the proof, if not i want this deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX, I wrote a letter to Regional Acct to provide evidence that a debt reporting on my credit report was incorrect. On XXXX I was divorced from my ex husband, we had two cars, In the divorce decree, the judge ordered I was responsible for one car and my ex husband was financially responsible for the other car. After the divorce his car was deemed by the car company as a charge off and its is reporting on my credit report as my debt. I send letters to all 3 credit bureaus with the divorce document and they respond with just a validation of the debt. I receive a response from Regional acceptance stating that it was my debt because I sign for the Loan but I feel that I am still paying for my car as it was ordered and I should not have to pay for my ex husband car also. I have documentation from the judge to prove the order. I am working very hard to move on with my life and this on my credit report is keeping me from moving forward. I would also like to point out on my credit report the last date of activity and the high balance is reported incorrectly. I would appreciate if you can help me to solve this problem. This is my ex husband debt and base on the divorce decree i am not responsible for this debt. Thanks for all your help and i look forward to your 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 2021-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I have a court ordered annuity guaranteed the annuity payment {$170000.00} due XX/XX/2029 was sent to Chase XXXX {$44000.00} missing {$130000.00} I contacted XXXX XXXX XXXX XXXX they disconnected my calls policy # XXXX cant be found on the online resource. 
I notified the attorneys that filed the negligent lawsuit in NJ XXXX XXXX. 
Ive since been scammed on the internet filed an IC3 complaint and closed my chase bank account. 
Not sure why the company is in default of the court order. 
There is a gag order

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Flandreau Santee Sioux Tribe
State: CA

Complaint narrative:
This company has continually for YEARS ( 2017 ) harassed me into paying a loan that I have not received notice or proof that I owe for. They have called my work and my personal phone and threatened with criminal charges for the outstanding loan. When I have asked for proof of debt owed ( I do not have recollection of this loan under my name. I have never done business with Rushmore Financial ) they stated they will send me proof and I never receive it but the calls continue to come. It has been a nightmare and I would just like this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
Someone was able to open a credit card in my name with just my social security number. All of the other information was wrong so Capital One should have caught this. I was able to close the credit card with Captial One but this person still has my social security number and I would like to press charges if possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-03 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days 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 hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I am writing in regards to my account with Citi Cards account # XXXX, the reason for this request is the reporting of late pay reporting in XX/XX/2020. As I am sure you are aware that FEMA declared a national disaster occurred during that time which has impacted me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Disputed the inaccurate information the credit bureaus never removed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
this account is not mine. Portfolio recovery A # XXXX I have retain attorney and this will be my last communication with this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-03 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: ERC
State: NM

Complaint narrative:
Enhanced Recovery Corporation is reporting an erroneous debt on my credit file and it must be removed. I recently checked my credit and noticed this debt was reporting on my credit file. I have never received any any phone calls or any collection letters or notices about this debt and this violates my 30 day right to dispute. SInce I was not granted that right and it is now reporting on my credit I ask that they remove this collection from my credit report. Under the FDCPA I have to right to request validation of this debt. I am requesting proof that I am the party you are asking to pay this debt and that there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address but a request for validation. I ask that your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform your offices that if you continue to report invalidated information to any of the three major credit bureaus this action might constitute fraud under both federal and state laws. If any negative mark is found or continues to report on any of my credit reports by your company I will not hesitate to bring legal action against you for Violation of the Fair Debt Collection Practices act and Defamation of character. I am also aware that while this account is under investigation you must cease all collection activity. IF you fail to respond to this validation request within 30 days from the day received all references to this account must be deleted and removed from my credit file and a copy of such deletion request shall be sent to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Coinbase, Inc.
State: FL

Complaint narrative:
I have proof according to their website of deposits in total of {$110000.00}, yet only XXXX is showing in my portfolio.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: CURO Intermediate Holdings
State: TN

Complaint narrative:
A loan was issued on XX/XX/2020 by an unknown person in my name through Speedy Cash for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Flandreau Santee Sioux Tribe
State: CA

Complaint narrative:
XXXX debt colkector on behalf of XXXX lending called 2 of my cousins and said if i didnt call them they were going to have the sherriffs come XXXX me and i was in serious trouble.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I filed a dispute on some transactions. 
{$51.00} -- XXXX XX/XX/21 During the investigation process, I expected a temporary credit to show up. This did not occur. Instead, the transactions were kept on the statement and interest has showed up. This interest was never addressed. Instead, a rude customer service representative with a number of XXXX conducted instances of rude obstruction ( XX/XX/21 ). 
{$29.00} -- XXXX XXXX XXXX XXXX  XXXX XXXXThis was never addressed even though I attempted to address this issue. The aforementioned rude customer service agent did not attempt to credit the interest that I shouldn't have received. It is within my rights to dispute transactions and not be charged interest on the transactions. They deliberately and fraudulently opened multiple disputes on the same transaction in order to close one of them without evidence and justify charging me interest. 
{$11.00} -- XXXX XXXX  XXXXXXXX XXXX  XXXX XXXXThis was never addressed even though I attempted to address this issue. The aforementioned rude customer service agent did not attempt to credit the interest that I shouldn't have received. It is within my rights to dispute transactions and not be charged interest on the transactions. They deliberately and fraudulently opened multiple disputes on the same transaction in order to close one of them without evidence and justify charging me interest.

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 2021-03-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MA

Complaint narrative:
On or about XX/XX/XXXX I responded to an e-mail from Rushmore Mortgage saying " I may be eligible for re-financing '' on the mortgage they currently provide to me at my primary address. On or about XX/XX/XXXX I got a call from XXXX XXXX a Rushmore rep. Between then and XXXX or so we had ongoing e-mail and conversation. On XX/XX/XXXX Mr XXXX confirmed offer of 2.5 % 30 year mortgage with {$2900.00} in closing fees to be rolled into mortgage that would close in XX/XX/XXXX. Since then I have responded to all their onerous info requests promptly ( within 24 hours ) and completely, even though 1 ) Mr XXXX had told me there wouldn't be a lot of info needed from me because they were merely re-writing an existing loan on the same property because I had such " a good track record '' with them 2 ) the info requests for duplicate and triplicate requests for info that had already been provided. On XXXX XXXX Mr XXXX confirmed that my refinancing would be for 30 years@ 2.5 %, costs rolled into loan, and I'd get a {$2000.00} credit (? ) Date TBD. XX/XX/XXXX I became alarmed when I received notice from the homeowner 's insurance company for my weekend house that Rushmore Mortgage had been added to that policy as the mortgagee. Rushmore has no mortgage on that property! Likewise, on XX/XX/XXXX I hear from the homeowner 's carrier on my primary residence telling me she had heard from Rushmore about a mortgage on my primary residence that was scheduled to close that day ( of course I told her it was news to me ) I e-mailed and spoke with Mr XXXX, yet again, about the mortgage status last week. He told me his problems and had no idea of my e-mail about the XXXX XXXX  change or XXXX XXXX  XXXX call. I asked for him to get back to me by Monday XX/XX/XXXX with explanation and a closing date. Because I hadn't heard back from Mr XXXX by XX/XX/XXXX, I contacted CFPB and filed a complaint. Because my bill from Rushmore refers to them, of course, and to XXXX XXXX, I said the complaint was with Rushmore. I received their response late last week telling me to contact XXXX XXXX. So, here I am again filing a complaint!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
I am writing to inform you about an error on my credit report and request that you provide me with verifiable proof or delete the record immediately. I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. As per the FCRA, only accurate and timely information may be listed on my credit report. Section 609 of the FCRA gives me the right to see what the court sent to your credit reporting agency as evidence that the information is correct. Bankruptcy ( Discharged CH-XXXX ) I found such inaccuracy in bankruptcy in credit report : Reference Number is incorrect. No contact information. If you are unable to verify the account, the information should be removed from my credit report Thank you for your help.

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 2021-03-03 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: OR

Complaint narrative:
I am writing to inform you about an error on my credit report and request that you provide me with verifiable proof or delete the record immediately. I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. As per the FCRA, only accurate and timely information may be listed on my credit report. Section 609 of the FCRA gives me the right to see what the court sent to your credit reporting agency as evidence that the information is correct. Bankruptcy ( Discharged CHXXXX ) I found such inaccuracy in bankruptcy in credit report : Reference Number is incorrect. No contact information. If you are unable to verify the account, the information should be removed from my credit report Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Klarna AB
State: FL

Complaint narrative:
On XX/XX/2021 at approximately XXXX XXXX Klarna opened a revolving line of credit in my name fraudulently without permission. Klarna has taken it upon itself to open a revolving line of credit with information provided without my permission la XXXX XXXX. They have used predatory lending tactics to open up this account by masking the revolving line of credit to look like a one time loan application. I was under the impression after reading all disclosers that Klarna was offering a onetime small loan for products on XXXX. Klarna instead opened a revolving line of credit without permission. 

Upon calling the Klarna and requesting the account be immediately closed the company proceeded to give me the runaround. The third party company that Klarna has in place to answer the phone and provide customer service is completely useless. I had to call the merchant XXXX to be the intermediate between me and Klarna to even attempt to have the account closed. 

Klarna seems to be operating with impunity and hiding behind poor customer service. Klarna also seems to be praying on minorities with these predatory practices. I have contacted the credit reporting agencies in an effort to have the hard inquiry removed from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 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: Synovus Bank
State: FL

Complaint narrative:
I was going over my credit and paperwork and notice this account with first progress still reporting on my credit report, the company never followed up with me on this account.First and foremost I have no knowledge of this account and even previously requested for agency to validate debt.Ive attached my return receipt as proof that Ive attempted to resolve this in the post. I have no knowledge of this account.Im on hard times and my income has been affected by covid. So even attempting to send another dispute is to expensive for me please assist me with resolving this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
On XX/XX/24 I paid my Infinite energy account of {$90.00} in full. After making payment I was informed that the paid in full letter could not and would not be provided to me any sooner than 3 business days and could not and would not be provided to me by any means other than mail or fax. I did not and have not received verification of the payment to date. I have called multiple times to speak with a supervisor and they never come to the phone to address my issue. I have called a total of three times today and each time I believe the supervisor refuses to speak to me. This proof is vital to my survival at this point because it is holding me up from getting a place to stay! I have expressed this with the company over and over again and all they keep telling me is they can't provide me with the proof of payment in full. They claim to expedite the request but I have not received any communication. The agents are giving me different time frames ranging from 1-10 business days. The supervisor was supposed to call me back, but hasn't I guess they do not care. I just want answers on when I should truly expect my proof. At this point, they are refusing to provide me with proof of my payment in full and I have a right to have that.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 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: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
Ally Financial This Bank is reporting on my record that the loan is a charge off it is also reporting that I have a past due on my record. This account was settled it was a vehicle in accident and was paid by the insurance agency. So this is an inaccuracy on my report and should be removed immediately. I have sent several letters to all 3 credit bureau and I am not getting any results this is causing a major problem.

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 2021-03-03 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: Caribou Financial, Inc.
State: AZ

Complaint narrative:
On Friday XXXX XXXX 2021, XXXX from Moto refi, a vehicle refinance company, run my credit and my girlfriends credit without our authorizations. 
And after being being kind of forced to use them because they run our credit, he now refuses to answer any of my text. So our credit have been ran for no reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
Under the fair credit act, Its a violation of the collection practices act for a debt collector to refuse to send a validation notice or fail to respond to your verification letter - I sent letter on XX/XX/2021 date VIA USPS certified mail. 

PORTFOLIO RECOVERY Last XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 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 — Investigation took more than 30 days
Company: Colony Brands, Inc.
State: PA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation