vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Louisiana Recovery Services Inc.
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
My XXXX XXXX was posted on XXXX. It seemed to be some kind of joke or prank but clearly this was my commercial XXXX XXXX. The reason why I was not notified properly was because my address had been temper with by someone in authority. Since then I have found evidence of address fraud and tempering with evidence. This federal offense right now hes being ignored by the court. Now Im convinced that Im not even in the right court. This is the hardest part of it all because no one is listening to me I have made properly report statements but I seem to not be looking in the correct place. The address that was used two force this federal offense against me, can be recognized probably if someone would just listen to me because I now have my proper address business registration also the address that was use I was evicted from years ago and I now have that court order amazingly from XXXX. This address now used in XXXX as my current address is no more than address fraud.. this matter all cars my number to be compromise my email address and ultimately my Social Security number even my XXXX have been stolen from me against my will all in this one matter. If anyone can help me to seek a remedy, I would greatly appreciate to settle in this unjust.

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 2021-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AR Resources, Inc.
State: MO

Complaint narrative:
I received an alert with XXXX through my credit monitoring that AR Resources had filed a credit alert against me. I have never heard of AR Resources, have had no prior communication with them and have no idea what this complaint is in reference to. I tried to call the XXXX number but was on hold for XXXX minutes with no customer service. It says to press zero to leave a message but that just ends the call. 

What happened? 
AR RESOURCES INC has flagged your account as Collections on XX/XX/2021. 
Source : XXXX XXXX : AR RESOURCES INC Address : XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX Phone : ( XXXX ) XXXX Activity : XXXX XXXX XXXX ( Collections ) Balance Date : XX/XX/2021 Balance : {$69.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
These accounts was paid as agreed on time I was never late on theses items listed and this is information is inaccurate and completely false. You can not report inaccurate information this a violation. I have wrote in several times reminding everyone of FDCPA false misreporting so please update account to current and paid as agreed on time. 

Account Name : DEPT OF EDUCATION/XXXX  Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : $ {$3500.00} Account Name : DEPT OF EDUCATION/XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : $ {$6000.00} Account Name : DEPT OF EDUCATION/XXXX  Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$4500.00} Account Name : DEPT OF EDUCATION/XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$5500.00} Account Name : DEPT OF EDUCATION/XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$5500.00} Account Name : DEPT OF EDUCATION/XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$6000.00} Account Name : DEPT OF EDUCATION/XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$2000.00} Account Name : DEPT OF EDUCATIONXXXX  Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$2000.00} Account Name : U S DEPT OF EDXXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$18000.00} Account Name : U S DEPT OF ED/XXXX  Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$27000.00} Account Name : U S DEPT OF EDXXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$23000.00}

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 2021-06-26 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: PA

Complaint narrative:
These accounts was paid as agreed on time I was never late on theses items listed and this is information is inaccurate and completely false. You can not report inaccurate information this a violation. I have wrote in several times reminding everyone of FDCPA false misreporting so please update account to current and paid as agreed on time. 

Account Name : DEPT OF EDUCATION/XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : $ {$3500.00} Account Name : DEPT OF EDUCATION/XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : $ {$6000.00} Account Name : DEPT OF EDUCATION/XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$4500.00} Account Name : DEPT OF EDUCATION/XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$5500.00} Account Name : DEPT OF EDUCATION/XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$5500.00} Account Name : DEPT OF EDUCATION/XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$6000.00} Account Name : DEPT OF EDUCATION/XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$2000.00} Account Name : DEPT OF EDUCATION/XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$2000.00} Account Name : U S DEPT OF EDXXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$18000.00} Account Name : U S DEPT OF EDXXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$27000.00} Account Name : U S DEPT OF EDXXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$23000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 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: CL Holdings LLC
State: TX

Complaint narrative:
I contacted this company on XX/XX/2021 to validate the debt on XXXX accounts. They responded to me stating they were unable to validate the debt and they would no longer be trying to collect on the debt and they would be contacting the credit bureaus to have the debts deleted/removed. The company removed the debt from one credit bureau and then placed it back on my credit report, so it is still showing on all credit bureaus even after they stated they couldn't verify and would be having it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Court Case XXXX XXXX XXXX , XXXX vs XXXX XXXX XXXX and XXXX - XXXX, XXXX XXXX Granting Defendant 's Claim of Exemption and dissolving continuing writ of garnishment was already granted on XX/XX/2021. 

Received letter from one of their sister companies trying to collect on debt and they threaten legal action in the letter when I was already granted exemption and the dissolved writ of garnishment. 

I am going to mail copy of judges verdict to the company. and advised that complaint has been filed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-26 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: Capital Credit and Collection Service, Inc.
State: AZ

Complaint narrative:
I have disputed the account information with these collection companies and credit bureaus. 

This collection companies is violating the FCRA mandates Inaccurate Information-Errors include incorrect activity dates, account status, ammount owed, past due amount, date of last activity, etc Incomplete Information-Fields are left blank Unverifiable information-There is no contract with these people. My identity has been stolen and I have so many inquiries into my credit report from companies. I have misspellings of my name. 

This company must STOP reporting this account on my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I put 50 % down on this house. My loan was sold to this horrible company, NewRez/Shellpoint. I was called early Saturday morning by a person who told me my loan was 2 months delinquent and my account could be referred to a collection company. I have an 800 credit score, my bank pays my bills and I was not delinquent. I asked her why the payment was increased {$700.00} per month and she did not know. I figured it was because they added their outrageous insurance bill onto my monthly payment. Then she suddenly awakened and said it was probably the reason. I have insurance and it is paid in full. In my 35 years the lender is notified if the insurance is not renewed. But NO, this company justs adds their own insurance without notice. I have hunted for hours to find the insurance department email and/or phone number for their insurance department and can not find it anywhere. I can get on the NewRez site but that is no help. I remember when my primary home loan was sold to NewRez/Shellpoint. On the 1 year loan anniversary NewRez/Shellpoint increased my payment on that loan {$1000.00} per month. It took them 6 months to get their mistake straightened out. I was so glad when I refinanced that loan with XXXX XXXX. NO other lender, to my knowledge, does this to their customers. In my opinion, this is a SCAM on consumers. I don't know if this is even legal for them to do without any notice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 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: TX

Complaint narrative:
I have contacted Experian several times regarding collections agencies not responding to validation requests that I have sent, which to my knowledge they can not report on these things legally without validating them at the consumers request. The last letter that I received from Experian basically stated that they would not remove the collections because they were valid ( but still no proof of validation sent to me although I requested it ). This is against the FCRA and CFPB rules.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BBVA FINANCIAL CORPORATION
State: DE

Complaint narrative:
XXXX purchased BBVA and in return closed my Simple bank account. I took a quick look at BBVA 's banking system but decided I did not like it. I requested BBVA to close my account two times. I requested to close my account on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. All three responses were not on how to close my account but were instead of how to HIDE my bank accounts from my account. The third response apologized but offered nothing in response. I tried calling but spent over an hour on hold before giving up. 

I want my account to be closed, permanently, as I want nothing to do with XXXX or BBVA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 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: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
I use United Explorer XXXX card. 
I used this card to purchase an international airline ticket via XXXX. XXXX sold me a fraudulent ticket ( made 2 separate tickets instead of connecting flight on one booking to final destination, this means even transit visa for layover country wont work as I would need to get boarding passes for layover country in that country itself ) on XX/XX/2021. 

I disputed this payment on United card within a week of ticket purchase but United has not honored the dispute. Initially they removed the transaction temporarily but now within three weeks of removing it, its posted back to my account. This is big and considerable amount that United Chase and XXXX should work together and resolve. 

No use of buying premium travel credit card and paying yearly fee for such an awful experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
My Pay Pal credit card was closed by Pay Pal. I called to inquire why my credit card was not working. A Pay Pal Rep. informed me on the phone my credit card account had been closed by Pay Pal. The Rep. stated the account was closed because I had not used my account for six months.

I explained to the Pay Pal Rep. I had not used my credit card because of the COVID-19 Pandemic. I also explained to him that there were recent laws established regarding consumer 's credit by the U.S. Government because of the COVID-19 Pandemic.

I also informed the Rep. Pay Pay never mailed me a letter stating why my account was closed.

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 2021-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
I just opened up a pay pal account so I could have unemployment deposit my money in account and I take it out. It start they put limitation on my account before unemployment put money in my account. So I took care of it. Me second deposit have not been able to access. I get different reasons everything I call. First suspicious withdraw. Now they suspicious fraudulent and won't give me my money no a reason why they froze my account for 180 days and say they don't have to tell me or give me my money

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-26 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ENOVA INTERNATIONAL, INC.
State: FL

Complaint narrative:
XX/XX/2021 I got a hard inquiry on my XXXX  credit report From a company named NETCREDIT/XXXX Never heard of this company Never applied for a loan I was at work all day from XXXX to XXXX Tried calling this company Can not get through to anyone Tried looking it up Looks like its a high interest personal loan company Would never be interested in a company like that Also called XXXX  The said there is nothing they can do Cant take my word for it Ive tried so hard to get my credit up and stay in good standing Had identity theft about 5/6 years ago with the IRS this makes me very nervous Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 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: Southern Oregon Credit Service, Inc.
State: AZ

Complaint narrative:
I have disputed the account information with these collection companies and credit bureaus. 

This collection companies is violating the FCRA mandates Inaccurate Information-Errors include incorrect activity dates, account status, ammount owed, past due amount, date of last activity, etc Incomplete Information-Fields are left blank Unverifiable information-There is no contract with these people. My identity has been stolen and I have so many inquiries into my credit report from companies. I have misspellings of my name. 

This company must STOP reporting this account on my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I contacted American Express to ask how I could transfer my total balance [ {$5200.00} as of XX/XX/21 ] to a new card. They informed me that this is not an option. I was confused and this is my first time trying to transfer a balance to a new card. I'm starting a new job and am shopping for a business expense card that had a balance transfer option. I was shopping with XXXX for a mastercard and decided to check with American Express to see how that process would go. I just got off the phone with American Express. They said they don't do balance transfers right now -- for about the past year. I asked the representative, XXXX, to escalate my inquiry and find out exactly why they won't do balance transfers. I was put on hold for few minutes and he came back with a response that it was because of Covid. I was dumbfounded and said that is unacceptable. He said he knew that wasn't a great answer and he had no further information. I asked to file a complaint and he agreed -- then proceeded to tell me that after I file my complaint, the company may or may not get back to me -- at all. I found this egregiously unacceptable and asked who I could file a further complaint with. XXXX put me on hold and came back and said the XXXX XXXX XXXX. From my schooling, I remembered the CFPB and their vital role protecting consumers, which is why I'm filing this complaint. My complaint confirmation number with American Express is : XXXX. They gave no reasoning about why they will not process my balance transfer left me with no option than to seek help from the government about the issue. They try to use their weight and power to do whatever they want without explaining themselves, but I'm the consumer and I pay them interest monthly. I do not accept that they felt they don't need to answer for their policy to their paying customer and I'm humbly asking for your help in making them answer more fully and with accountability to their consumers. Thank you in advance for your dutiful consideration and diligence in helping me get more information and, hopefully, an equitable result to their black-box decision. I feel wronged.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ARVEST BANK GROUP, INC.
State: NC

Complaint narrative:
I put in to submit a payment in XX/XX/2020. The payment did not go through and I did not know it until next months payment was due, I made the payment in XXXX and then made XXXX payment two weeks later. I also paid the late fee. Arvest central mortgage would not remove the late fee on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 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:
I have info on my credit report that is not mine and I contact the companies and advised them, that the accounts do not belong to be but they are still reporting to my credit report. the accounts are listed below, and this as much info as I know. 

XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX Balance {$1800.00} XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX XXXXXXXX XXXX Account # XXXXXXXX XXXX Account # 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 2021-06-26 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Wells Fargo disrupted myworkflow operations of XXXX XXXX XXXX from XX/XX/2021 thus causing me to miss numerous income in which I will be generating a report to upload in my portal. 

Had I not been called from 3 different numbers, sent 3 different bill statements, and had to file numerous reports- I could have secured necessary PPP Loans and SBA Covid 19 help. 

I also proceeded to miss calls from XXXX XXXX XXXX that I had previously done business with and needed my General Liability, Workers Compensation, and Commercial Automobile Insurance. 

Had I been able to actually work verse get threatened to pay thousands a dollars up front with XXXX validation of which was the correct bill until XXXX in which Wells Fargo Executive Office only followed-up after my car was to be repossessed.

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