vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-28 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: BANCO POPULAR DE PUERTO RICO
State: AL

Complaint narrative:
I paid off the XXXX XXXX credit card ( popular credit services ), and then contacted company to close account, and received confirmation letter from company on XX/XX/2021. 

I received a bill for {$2.00} in XXXX indicating that I owed this amount. Having closed the account ( and confirmed ) in XXXX, I was confused. 

I contacted the company by phone on XX/XX/2021. I stated the closure, and they even said that it was closed, but that I owed the {$2.00} to finalize it. I was furious, but I paid it. It has cleared my bank. 

Today, XX/XX/XXXX, I have received another email saying that my statement is ready. What statement? I clearly have proof that my account is closed, paid it in full, and yet they refuse to close my account. 

I feel that they are just hassling me, and I need assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: NJ

Complaint narrative:
XXXX  is still showing a public record ( Dismissed CH XXXX Bankruptcy ). I have disputed it with them, and they have verified the information as coming from LexisNexis. This item was removed from my LexisNexis report in XX/XX/2020. Case # in reference is : XXXX removing bk case # XXXX from my file. 
XXXX  claims that the record is verified by LexisNexis. Please explain how this is so when you have removed this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 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:
The bureaus have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). I have advised them that under Section 611 ( 5 ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
Shellpoint Mortgage Servicing continues to service the mortgage account in error. On XX/XX/2021, Shellpoint Mortgage Statement showed the amount due {$690.00}. The payment was sent to Shellpoint on XX/XX/2021, in the amount of {$840.00}. An overpayment of {$140.00}. What did Shellpoint do with this money? 

XX/XX/2021, Shellpoint Mortgage Statement showed the amount due {$1200.00}, adding fees, of {$150.00} and Past Unpaid Amount of {$260.00}, with no explanation. The regular payment amount is {$840.00}, I sent two payments to Shellpoint on XX/XX/2021, one for {$860.00} and the other for {$850.00}, accidentally. Total payment to Shellpoint for XX/XX/2021, for {$1700.00}. What is the explanation for the fees and past unpaid amounts totaling {$410.00}? 

For XX/XX/2021, the Shellpoint Mortgage Statement showed the amount due {$420.00}. It appeared Shellpoint credited both payments leaving a balance for the next month of {$420.00}. I sent a payment to Shellpoint on XX/XX/2021, for {$440.00}. An overpayment of {$19.00}. What did Shellpoint do with this overpayment money? 

As of XX/XX/2021, the Shellpoint Mortgage Statement shows the amount due of {$1200.00}. They state a past unpaid amount of {$420.00}, which is a loan servicing error. My bank records are clear and prove payments for each mortgage month were either paid in full or overpayment.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 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:
The bureaus have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). I have advised them that under Section 611 ( 5 ) ( A ) of the FCRA They are required to promptly DELETE all information which can not 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 2021-06-28 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: NY

Complaint narrative:
There is False bankruptcy information showing on my report. I have already disputed with the credit bureaus via certified mail and have gotten no response. I have contacted the County Clerk at the court and they have also stated that they do not furnish any information to the bureaus so the bankruptcy on my credit report is illegal and damaging to my credit score. You have failed to conduct a truthful investigation into this PUBLIC RECORD within the provisions of consumer laws. NOT IN COMPLIANT! Its impossible that you indeed investigated or even attempted to look into these public record listed below because I asked the court clerk if they verify records with the credit bureaus and they stated and send me a attached letter that they do NOT, so how did you legally verified this? For example, court name is not accurate each credit reporting agency must report the actual name of the court, followed by city, state. You are required to obtain verification from the DATA FURNISHER and the court told me that they do not verify with you, so HOW is anything else considered legal verification? I need you to send me the petition to verify this account. If you can not do that, then this needs to be removed and permanently deleted. On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic and coronavirus. I will be left no choice but to seek legal remedies shall this issue not be taken care of promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
I never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$220.00}, {$2000.00}, {$9600.00}, {$5800.00}, {$230.00}, {$7600.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$220.00} -This is not my account. 

2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2000.00} -This is not my account. 

3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9600.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5800.00} -This is not my account. 

-- COLLECTION ACCOUNTS 5. XXXX  XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$230.00} -This is not my account. 

6. HXXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7600.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX, Equifax and XXXX are reporting 1 derogatory account on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting this account or if this account even belong to me. I have sent 3rd dispute letters to Equifax, XXXX and XXXX since XX/XX/2021 asking them to investigate this account and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Experian has completely removed my credit score. As a consumer it is my right to a credit score as they have plenty of reports including allowing an collection agency to maliciously flag and negatively report more than once within 30 days when said account is old. This is violating my rights to fair reporting denying me of a credit score yet so willingly determined to report only negative information. I will provide documents to show the violations and the damage Experian is causing. 

Experian in violation to deny me of my credit score I am a human being and it is my right to fair reporting. I am being punished for no legit reason. This is totally unfair for Experian to be allowed to do this. I have positive credit history thats not even showing, efforts gone unnoticed or as they say may take up to 6 months to show yet Experian allows reporting of an agency to report multiple times within two weeks how is this fair? Why is this allowed? I feel a class action would be the perfect action to take against Experian for unfair practice against a certain class of individuals. 

If its no score than there should be no negative reporting.

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 2021-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I had recently been alerted to a telemarketing and wire fraud against me from the DOJ by mail. I will include the letter that they have sent me regarding this matter. In XX/XX/XXXX a woman, XXXX XXXX XXXX court docket # XXXX case # XXXX, contacted me regarding a BOA credit card balance that was in collections. She stated that my BOA checking & savings accounts would be frozen, my car would be repossessed, and all of my assets would be seized if I did not pay her {$7000.00} immediately or make electronic transfer payments to her company representing BOA, XXXX XXXX XXXX, in the amount of {$860.00} for 8 months. She scared me half to death, told me she works with BOA law team and I agreed to make the monthly payments of {$860.00} to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX firm. The payments started on XX/XX/XXXX XXXX XXXX XXXX. 

I submitted a claim with BOA about the fraud. They told me it would take up to 60 business days. I sent them all of the documents via certified mail and to their fax machine. Along with the DOJ letter, the Victim 's Rights to be Heard and Obtain Restitution with regards to Debt Collection Fraud Scheme, and the U.S. v. XXXX XXXX XXXX of the NC court where she plead guilty. 

BOA denied my claim because they said that I had waited longer than 60 days to report this fraud. However, I wasn't even aware of the fraud until I received the DOJ 's letter in XX/XX/XXXX. I was under the impression that I had paid off this debt. Now BOA is still trying to collect money, my credit is ruined, this woman is going to jail for 20-30 years, and I can't get my money back.

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 2021-06-28 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: TX

Complaint narrative:
This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, I am the only one that can validate this debt, therefore I do not validate this debt and the following accounts must be deleted from my report. 
XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number : XXXX Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 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: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 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: Nelnet, Inc.
State: CA

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 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: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
On XX/XX/2021 I sent a certified mail letter regarding things that are inaccurate and unverified things that have not been validated even after me sending a validation letter on XX/XX/2021 certified mail I have not received a response yet. It has been well over 30 days and I havent received any investigation results. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that if there is a failure to investigate these items within 30 days gives a reason to immediately remove those items from my from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten Into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 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: SLM CORPORATION
State: CA

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 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: The Bureaus, Inc.
State: CA

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 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: American Capital Enterprises, Inc.
State: CA

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Credit Clearing House of America, Inc.
State: OH

Complaint narrative:
My rights were violated by CCHA Starting with 15 usc 1692b - I received phone calls as well as letters with letterheads from CCHA both stating i owe a debt in which is a violation - i received multiple letters from CCHA and phone calls which is a violation of 1692b that i as a consumer shall not be contacted more then once unless i request. 
- the language and symbol used on the letters from CCHA are a violation of 15 USC 1692b which also is a violation of my privacy as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On or about XX/XX/XXXX, Wells Fargo Home Mortgage illegally foreclosed on my property and did not follow protocol. First of all child support began XXXX of XXXX, around the time that I saw the Texas Attorney General. At that time we were instructed to officially file for divorce to settle the property we owned located at XXXX XXXX XXXX XXXXXXXX, Tx XXXX. Because Texas is a community property state where common law marriage is recognized the coborrower was my spouse. My security instrument and deed clearly include The GarnSt Germain Depository Institutions Act of 1982 clause. Therefore what Wells Fargo Home Mortgage did was illegal and the act also states that the granting of a leasehold interest of three years or less provided the lease includes no option to purchase also protects against foreclosure. There was an automatic renewable lease filed of record with the county XX/XX/XXXX. So the foreclosure that occurred should have never taken place..

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 2021-06-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
Violation of 15 U.S. Code 1637 Violation of 12 U.S. Code 1431 ( a ) Violation of 15 U.S. Code 1691 THEY ARE DENYING CREDIT BY FREEZING ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

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