vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Braviant Holdings, LLC
State: UT

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX called and left messages with my wife, my mother-in-law at on the general ( not private ) voicemail box at my work. He left details with my wife about what the debt was, how much, etc. I called him back and got his voicemail, in it I specifically asked that he not call my work and not leave messages with anyone other than myself. Then, today, XX/XX/XXXX, he called my work again and asked the receptionist to speak with me. He also left a voicemail on my wife 's phone and my mother-in-law 's phone asking them to pass along a message for me to call him. The numbers called are : my work : XXXX my mother-in-law : XXXX my wife : XXXX my home phone : XXXX my cell phone : XXXX I again asked him to not call my work and to only leave messages on my own number. 

I spoke with him on XX/XX/XXXX and made arrangements to get the debt paid and taken care of. 

I spoke with him again on XX/XX/XXXX when he called my work looking for me again and they forwarded his call to me. I again asked he not call anyone other than myself about this debt and that since I've already made arrangements, he shouldn't keep calling anyway. 

Then, on XX/XX/XXXX I got messages from 2 of my sisters-in-law and my brother-in-law that they had a voicemail from him on their phone from early that morning. The numbers called were XXXX, XXXX, and XXXX, respectively.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TD BANK US HOLDING COMPANY
State: DE

Complaint narrative:
I have a Nordstrom credit card on my account. Ive been disputing for the past 3 years but they keep denying me. I placed a fraud alert on my account since 2017. Nordstrom has this on my credit since XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
I have sent out numerous disputes and verification letters to Ability Recovery and the credit bureaus concerning this account to send proof this is my account because I have no knowledge of this account. I have yet to receive any type of correspondence back from them concerning it over the last 5 months

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 2020-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have sent several letters to TransUnion/ XXXX  and XXXX  inquiring about information/accounts listed on my credit report that is inaccurate. I have asked for the account/information to be verified several times via the letters I sent. I also asked that they please send me copies of the documents that you have in their files as of my last letter that they used to verify the accuracy of the accounts on my credit report. 

They have continued to send me a response stating that the accounts/information was updated and verified but have not sent any supporting documentation. 

I did not ask for anything to be updated. I asked that the inaccurate accounts/information be verified.

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 2020-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX, TransUnion and XXXX  failed to conduct a proper investigation to my dispute request. I have written them a dispute letters 3 times on XXXX XXXX, XXXX XXXX, XXXX XXXX and they have yet to respond. They late payments are reporting inconsistencies and inaccuracies and I want this account to be fixed by removing the late payments. They late payments on each bureau shows different dates and doesnt match the other bureaus. I have attached my credit report for proof on this incorrect reporting. One bureau reports me late will the other bureau reports me on time for the same date, how can I possibly be late and on time for all bureaus??? They all have the same source of information which is the original creditors of this accounts so how are the reporting different information?? 

Please have them to investigate and verify the maximum accuracy of this account and remove this incorrect information from my credit report or update the late payments to paid as agreed,

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 2020-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX, XXXX  and Experian failed to conduct a proper investigation to my dispute request. I have written them a dispute letters 3 times on XXXX XXXX, XXXX XXXX, XXXX XXXX and they have yet to respond. They late payments are reporting inconsistencies and inaccuracies and I want this account to be fixed by removing the late payments. They late payments on each bureau shows different dates and doesnt match the other bureaus. I have attached my credit report for proof on this incorrect reporting. One bureau reports me late will the other bureau reports me on time for the same date, how can I possibly be late and on time for all bureaus??? They all have the same source of information which is the original creditors of this accounts so how are the reporting different information?? 

Please have them to investigate and verify the maximum accuracy of this account and remove this incorrect information from my credit report or update the late payments to paid as agreed,

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 2020-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I submitted a complaint regarding EQUIFAX handling of a dispute regarding 2 companies two days ago ; subsequently they dropped my credit score by 52 points even though they indicate there were no changes in my credit record. 

I believe they dropped my credit score because of my complaint I filed against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
this bank who collects for JC Penny contacts me daily I've told them because of covid 19 I am unemployed ; they said it doesn't matter ; they will continue to collect

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 2020-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have sent several letters to XXXX/Equifax, and XXXX  inquiring about information/accounts listed on my credit report that is inaccurate. I have asked for the account/information to be verified several times via the letters I sent. I also asked that they please send me copies of the documents that you have in their files as of my last letter that they used to verify the accuracy of the accounts on my credit report. 

They have continued to send me a response stating that the accounts/information was updated and verified but have not sent any supporting documentation. 

I did not ask for anything to be updated. I asked that the inaccurate accounts/information be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have sent several letters to XXXX/XXXX, and Experian inquiring about information/accounts listed on my credit report that is inaccurate. I have asked for the account/information to be verified several times via the letters I sent. I also asked that they please send me copies of the documents that you have in their files as of my last letter that they used to verify the accuracy of the accounts on my credit report. 

They have continued to send me a response stating that the accounts/information was updated and verified but have not sent any supporting documentation. 

I did not ask for anything to be updated. I asked that the inaccurate accounts/information be verified.

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 2020-08-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Village Capital & Investment LLC
State: IN

Complaint narrative:
When the CARES act was passed in response to COVID-19, on XX/XX/XXXX I notified my Mortgage Company, Village Capital and Investments, of my desire to enter into a forbearance plan in accordance to the CARES act. Village Capital granted my request as required by the CARES act. However Village Capital has NOT reported my mortgage status as CURRENT as required by the cares act. They have reported to the credit bureaus as account in forbearance. The language in the CARES act explicitly forbids this status reporting. Village Capital must report the account as CURRENT. Village Capital has refused to fix this error.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I have a XXXX credit card on my account. Ive been disputing for the past 3 years but they keep denying me. I placed a fraud alert on my account since XX/XX/2017. XXXX has this on my credit since XX/XX/2017.

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 2020-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I have a XXXX credit card on my account. Ive been disputing for the past 3 years but they keep denying me. I placed a fraud alert on my account since XX/XX/2017. XXXX has this on my credit since XX/XX/2017.

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 2020-08-19 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
On XX/XX/XXXX Citibank responded to a dispute I filed for a {$2000.00} charge from XXXX XXXX to my Mastercard, temporarily crediting the charge off my credit card. XX/XX/XXXX Citibank informed me that they had charged the {$2000.00} back on my Mastercard, due to the merchant sending them copies of everything I signed, but not justifying why XXXX XXXX XXXX refused to refund anything. XX/XX/XXXX I responded by certified mail to Citibank, stating that they had no justification for the chargeback to my Mastercard, as the merchant had not responded with any justification why he was offering no refund. XX/XX/XXXX, I wrote back again by certified mail to Citibank advising them I was going to turn this matter over to federal authorities if they did not refund the {$2000.00} which I was justified to receive and that I had supplied them with copies of all my emails between me and XXXX XXXX, showing that Mr.XXXX XXXX was not trying to work with me. XX/XX/XXXX I wrote by certified mail to XXXX XXXX CEO Citibank asking him for help with the {$2000.00} dispute and another dispute for {$260.00} with XXXX and never received any response. 
I also had multiple phone conversations with Citibank disputes agents on XX/XX/XXXX, XX/XX/XXXX, etc. The last phone conversation I had with XXXX ID # XXXX. He told me on XX/XX/XXXX, that he was trying to work with the merchant to get the dispute resolved, but that the merchant was not cooperating. He also told me on XX/XX/XXXX, that the investigation team had been working on my dispute since XX/XX/XXXX and that the dispute will be settled by settled within 7-10 days. It is past that date and I am tired of being given the run around by Citibank. I want the {$2000.00} and the {$260.00} back, plus all interest charged, plus punitive damages for the dishonest way Citibank has conducted themselves. I have hard copies of EVERYTHING I have spoke of here, so I can prove everything I have said.

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 2020-08-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
I have been fighting with Phoenix Financial Services on and off for almost 5 years. They are trying to collect a debt that I dispute as services were not rendered. They previously promised they would cease collection attempts, but have started again recently. They have ignored my dispute letters and started reporting it to my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 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: CA

Complaint narrative:
I am having problems working with my mortgage company, Rushmore. At the beginning of the pandemic, I did receive my COVID forbearance for 3 months but after that period they haven't allowed me to continue with the COVID forbearance even though I have been contacting them continuously. 

The end of the three month period was in XXXX first and even we contacted them to continue with the COVID forbearance they did not continue with the plan. I am getting set tons of paperwork stating that I am behind in my mortgage and it is impossible to any proper documentation stating that it has been extended.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XX/XX/2020 - Call to Capitol One Received final payoff amount for both accounts XXXX and XXXX for account closure. 
XX/XX/2020 Both accounts were paid off using the Capitol One App. 
XX/XX/2020 received statement in mail account not closed. Called Capitol One at XXXX XXXX  and spoke with XXXX. He advised accounts had not been completely closed out but did have XXXX balance besides the membership fees and interest. He assured me that he would take care of the account closure on both accounts. He assured me that all remaining amounts on both accounts would be adjusted off as part of the account closing since it was only membership fees and interest. XXXX proceeded to close both accounts and I received a letter in the mail stating that both accounts had been closed. ( Membership fee : {$79.00} and Interest charges : {$14.00} ) XX/XX/2020 I received both statements again. Account XXXX had a XXXX  balance and all membership fees and interested had been adjusted off just as XXXX had advised in XXXX. Account XXXX still had a balance so I immediately contacted Capitol One again to try to get the account resolved to XXXX balance as XXXX advised would happen. I was advised that they would need to listen to the phone call to review what I was advised during the call and I would hear from someone in 2-3 weeks. 
XX/XX/2020 XXXX Spoke with XXXX a Sr. Account Manager that advised me that I was read assurances during the call on XX/XX/XXXX and there was no agent error. I advised XXXX of the complete conservation again and advised that XXXX advised that all amounts would be adjusted off and if they reviewed the ENTIRE call that information would be heard for both accounts. XXXX would only the assurances were read to me when I closed the account. He refused to file a dispute on the charges since the account was paid off and he refused to review the call from XX/XX/XXXX when I spoke with XXXX. 

I dispute the following charges and any future charges on account XXXX due to the fact I was assured on XX/XX/XXXX that all remaining amounts on the account would be adjusted off as part of the account closing process by Capitol One agent XXXX at XXXX. 

XX/XX/XXXX : Membership fee : {$79.00} XX/XX/XXXX : Interest charges : {$14.00} XX/XX/XXXX : Interest charges : {$12.00} XX/XX/XXXX : Past Due Fee : {$19.00} XX/XX/XXXX : Interest charges : {$1.00} XX/XX/XXXX : Past Due Fee : {$38.00} XX/XX/XXXX : Interest charges : {$1.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-19 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Flagstar Bank, N.A.
State: IL

Complaint narrative:
My mortgage account with Flagstar bank is currently in a temporary deferral status, due to the effects of COVID-19. I have been in contact with Flagstar ( online and by phone ) and provide them with regular updates regarding my status. On XX/XX/2020, an envelope was delivered to my home and left hanging on my fence. This occurred prior to XXXX. It was discovered by a friend, who had stopped by to pick up something I had left for her. The envelope was from Flagstar, and contained instructions to contact them. All XXXX of my children are remote learning at home during this time. This was extremely embarrassing for me and unnecessary for a number of reasons : 1 ) I have been in regular contact with Flagstar and have kept them apprised of my situation. 
2 ) I am in payment deferral status, due to COVID-19 and there should be no collection attempts. 
3 ) This was a collection attempt and was made outside normal hours. 
4 ) Our state is under a disaster proclamation ( Illinois Executive Order XXXX ), which limits this type of contact, due to fears of spreading the virus. 

The address where this occurred is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL 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 2020-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Law Office of David A. Fernandez
State: TX

Complaint narrative:
sending me bogus letters about a debt that I do not owe David a fernandez pc  XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have disputed the inaccuracies listed on my Experian credit report from XXXX XXXX on multiple occasions. In XX/XX/XXXX, I disputed the late payment history from XXXX and the inaccuracies that were being reported. Experian responded to the dispute as account updated ( proof attached ), but the late payments were not removed from my account as requested nor was the account updated from what was reported previously. Additionally Experian has XXXX XXXX XXXX Date of Last Activity reported as XX/XX/XXXX, whereas XXXX has the Date of Last Activity reported as XX/XX/XXXX ( proof attached ). This XXXX XXXX account has been re-aged, which Experian has to delete account for being in violation. Also the payment status is reported inaccurate, Experian has the account listed as Current, was Past Due 60 days, but XXXX has it reported as Paid or Paying as Agreed ( proof attached ).

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