vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Upon review of my XXXX with Bank of America, with no delinquent payments and excellent credit. My credit score dropped an unimaginable 24 points at once!!!!! The justification stated that the change in score was due to " lack of auto loan and installments, '' I paid off my auto loan with BOA in XX/XX/2020. This is totally unacceptable and not fair. I've been penalized in the past for paying off balances in which my score would drop by 7-8 points. This decline in score puts my rating at XXXX. It's frustrating and totally unfair to be reprimanded for doing the right thing in not accruing any debt. BOA said it's the credit company XX/XX/XXXX, and XX/XX/XXXX sent me back to BOA each pointing the finger at the other. My XX/XX/XXXX level and XXXX XXXX increases at the thought that in doing the right thing by ensuring I don't carry debt I get punished for paying off my bills. In this environment I don't want to worry about owing money especially with me managing my spending I can use savings to assist someone in need. 
Please help in to understand how this continues to happen to me, that my score changes on such a consistent basis and i refuse to take out unwarranted loans or credit cards i don't need. Thank you for any assistance you can provide.

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 2021-03-29 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: MA

Complaint narrative:
Dear XXXX XXXX Acct # XXXX ; How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late payment on my credit report and {$18000.00} balance for this account from XXXX XXXX. I got into a car accident a couple of months ago and my insurance and gap insurance said that they already paid off this debt. So why is it still reporting delinquent remarks and inconsistent with the data. You continue to report incorrect, inaccurate, and erroneous information and i want this deleted from my credit effective now. It's my understanding that you are required to keep valid, and 100 % accurate information about me into your system, but i can tell you that you're wrong and unverifiable information because i'm not liable for this account. Delete now

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 2021-03-29 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: MA

Complaint narrative:
Dear XXXX XXXX Acct # XXXX ; How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late payment on my credit report and {$18000.00} balance for this account from XXXX XXXX. I got into a car accident a couple of months ago and my insurance and gap insurance said that they already paid off this debt. So why is it still reporting delinquent remarks and inconsistent with the data. You continue to report incorrect, inaccurate, and erroneous information and i want this deleted from my credit effective now. It's my understanding that you are required to keep valid, and 100 % accurate information about me into your system, but i can tell you that you're wrong and unverifiable information because i'm not liable for this account. Delete now

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
On or about XX/XX/XXXX I submitted a dispute related to an account that PRA was reporting. Acct # ending in XXXX since then I have been in communication with PRA regarding this account that's being reported in error. On XX/XX/XXXX PRA responded to my CFPB complaint once again alleging this account was verified and found to be true. Furthermore they requested that I send them additional documents regarding the matter which I mailed back to PRA via XXXX tracking # XXXX ( see attached proof of delivery ) showing to have been received by PRA on XX/XX/XXXX signed by XXXX. On XX/XX/XXXX I received another letter dated XX/XX/XXXX from PRA with the exact same verbiage as before stating the account was confirmed to be reporting correctly ( REF # XXXX ) and again providing me with monthly billing statements dated from year XXXX. As of the date of this compliant PRA has not responded to nor acknowledged my FTC Identity Theft Report which was included in the letter referenced above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
There is a XXXX credit card that is showing up on my credit report that I did not open or had no knowledge of.

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 2021-03-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MA

Complaint narrative:
Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 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: NV

Complaint narrative:
There are 8 accounts and two Bankruptcies on my credit report that do not belong to me I have reached out to the bureaus regarding this but they are not helping me or pointing me to the right direction I have also opened an ftc for these accounts. 

XXXX - Acct # XXXX XXXX {$1100.00} XXXX - Axxt # XXXX XXXX {$0.00} XXXX XXXX XXXX - Acct # XXXX XXXX {$0.00} XXXX XXXX XXXX - Acct # XXXX XXXX {$1100.00} XXXX XXXX - Acct # XXXX XXXX {$16000.00} XXXX - Acct # XXXX XXXX {$2400.00} XXXX XXXX XXXX - Acct # XXXX XXXX {$0.00} XXXX XXXX - Acct # XXXX XXXX {$0.00} - No Name Acct # XXXX XXXX {$1000.00} XXXX XXXX - Acct # XXXX XXXX {$1100.00} Account Name : US BKPT CT XXXX XXXX XXXX Account Number : 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 2021-03-29 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: NV

Complaint narrative:
There are 8 accounts and two Bankruptcies on my credit report that do not belong to me I have reached out to the bureaus regarding this but they are not helping me or pointing me to the right direction I have also opened an ftc for these accounts. 

XXXX - Acct # XXXX Amt {$1100.00} XXXX - Axxt # XXXX Amt {$0.00} XXXX XXXX XXXX - Acct # XXXX Amt {$0.00} XXXX XXXX XXXX - Acct # XXXX Amt {$1100.00} XXXX XXXX - Acct # XXXX Amt {$16000.00} XXXX - Acct # XXXX XXXX {$2400.00} XXXX XXXX XXXX - Acct # XXXX Amt {$0.00} XXXX XXXX - Acct # XXXX Amt {$0.00} - No Name Acct # XXXX Amt {$1000.00} XXXX XXXX - Acct # XXXX Amt {$1100.00} Account Name : US BKPT CT XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: IL

Complaint narrative:
I tried/signed up for a phone plan with XXXX XXXX back in XXXX of 2020. I never received the SIM Card in the mail after 3 times calling and them saying they sent it. I could not utilize the phone or service during this time and was never able to use the service because I never received the SIM card to activate the plan. After hours of time trying to get help I was unsuccessful. Finally I got so frustrated I canceled the plan and signed up with XXXX. 

I kept receiving bills to my e-mail from XXXX and called more than 3 times and was assured the plan was canceled and not active and I should disregard the bills. Well they never stopped coming and I called/chatted/etc ... at least another 3 times and kept getting the runaround. Well sure enough I recently received an email followed by 2 letters from a Collection agency called Convergent Outsourcing Inc . I watched my hard earned credit score plummet XXXX Points!! 

This is an outrage, I tried and tried to call XXXX but that call everytime is routed to Convergent where they give you the same runaround. After asking for a supervisor etc I was once again assured this will be dropped and go away. Well surprise I got a " Final Determination '' letter in the mail the other day saying " This debt is valid, attached is verification of the debt. What was attached were the bills I kept receiving from XXXX even though I had never used their service not even for one minute! 

You simply CAN NOT speak to a person at XXXX unless you are signing up for a new plan. Other than that you are on your own. Horrendous experience from such a prestigious company they have gone horribly wrong. 

Please help me get them held accountable.

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 2021-03-29 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 — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: NY

Complaint narrative:
I had a discover card in college. I lost it XX/XX/2015. I thought it was shut down, but there were more charges on it and it showed up on my credit report as a charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Fraudulent charges were made on my TD Bank Credit Card. TD Bank alerted me that suspicious charges were being made on my card. The charges were made in XXXX, New York on my credit card. I currently live on XXXX XXXX and have never visited XXXX. While these chargers were being made on my credit card, I was using my debit card on XXXX XXXX. On XX/XX/XXXX the customer service rep assured me that these issues would be resolved and the {$1100.00} worth of fraudulent charges would not be my responsibility. I received a letter in the mail on XX/XX/XXXX that stated that TD banks investigation determined that there was no billing error. The charges are all for establishments that do not align with my spending habits. After talking to numerous TD employees and a supervisor the issue has not been resolved and I am thinking they are going to hold me responsible for charges I did not make. As a long time TD bank customer I am extremely disappointed with how this dispute case has been handled.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: CA

Complaint narrative:
On XX/XX/ I purchased a home and closed with XXXX XXXX ; Soon thereafter, they transferred servicing to XXXX XXXX XXXX. There was approximately {$6000.00} in escrow / impound to pay the property taxes when XXXX XXXX XXXX inherited the account which were due in XXXX. I contacted XXXX  on XXXX to inform them that I had received a new tax bill but the amount had not changed. I also inquired about payment of the XXXX installment because it was not showing up on their website as planned money going out. They assured me that the taxes will be paid. 

On or around XX/XX/XXXX, XXXX transferred servicing to Dovenmuehle Mortgage and the loan was transferred to XXXX XXXX XXXX. I have contact both XXXX  and Dovenmuehle several times regarding payment of property taxes. XXXX  says they no longer hold the servicing and can not do anything about it. Dovenmuehle says they will take care of it but then fail to do so. I can not get a supervisor to call me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I have been in contact with Midland Credit on numerous occasions which is the data furnisher to my personal credit. They are advising me that a law office XXXX and XXXX are now handling this file which. Midland Credit can't give me information in debt keeps advising me to give them a call meanwhile XXXX and XXXX is advising that they are NOT handling and have no records under my name, full social, telephone number or any information I have provided. This is hurting my credit and I am in the process of purchasing a home and this will prevent me from doing so. I was looking for a quick resolution but unable to begin to speak to anyone. I believe that this a violation of the FCRA and they should not be allowed to report things to my credit without being able to speak to Mr and provide details. I have even made attempts to do three ways calls and still no avail was I able to get a resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I opened an account with Citibank online in a completely legitimate way using a coupon code I received from a friend. I promptly transferred my funds to them last week ( XX/XX/2021 ) however today I was notified that my account was closed and they are severing the relationship with me completely without a reason. Furthermore, I have already transferred a significant amount of money ( {$30000.00} ) to their account which they are refusing to let me withdraw without having my debit card, which they haven't sent me yet. I am unable to function on a day-to-day basis without this money ( I sent them all of the savings belonging directly to me ) and they are asking me to wait up to 60 days!

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 2021-03-29 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:
I have disputed the items that are not mine and there some items that is still remaining that needs to be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 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: MS

Complaint narrative:
I submitted a letter on XX/XX/XXXX regarding unknown and inaccurate information on my credit report. As of this date ( XX/XX/XXXX ), which is more than 60 days later, I still have not received any response. I am under the impression my disputes, my claims, as well as myself are being disregarded and dismissed. Section 611 ( a ) plainly states that a failure to investigate these disputes within 30 days gives reason to remove those items from my credit report immediately. These items should be removed at once since it has been over 60 days. I demand these accounts be deleted immediately or I will file for litigation due to the unjust stress that it has caused me. Furthermore, my personal information was impacted by the Equifax data breach whichmay have gotten into the hands of unauthorized individuals.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX has been reporting incorrectly for a car loan that was established in XXXX and was included in my Chapter XXXX bankruptcy in XX/XX/XXXX and discharged in XX/XX/XXXX. They are reporting it as 11 charge-offs and transferred to another lender. This is greatly effecting my credit score which I have been trying very hard to re-establish. I have tried on a few occasions already to dispute and have corrected by the credit agencies and the lender. This needs to be rectified immediately.

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 2021-03-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: KS

Complaint narrative:
On XX/XX/2021 I was filling out information on line to get a pre approval letter from Amerisave mortgage company. Every thing seemed ok until the website asked for our bank user names and passwords. I filled my bank in but quickly changed my password because it did not seem like something that should be asked. then both me and my spouse credit reports were looked at somehow when I was never asked permission and I never gave our social security numbers. After I filled out what they asked for except bank information it said congratulation you have been approved. the next day XX/XX/XXXX I was contacted by an agent. i was instructed to send necessary documents on line to get pre approval letter. At the very end of the process I was informed there was a XXXX dollar non refundable fee to get the letter. I find out later most mortgage companies do not do that. My rate was locked in for 48 days witch gives me little time to find a place because it takes about that long to even close the loan.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against NATIONAL CREDIT ADJUST. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.

Company response to consumer: Closed with explanation