vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Happy Saturday everyone ; Hi and how are you doing? This is taking over 90 days and i still haven't received any correspondences about this dispute from Macy 's. Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

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 2020-10-03 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Dynamic Recovery Solutions, LLC
State: TN

Complaint narrative:
The company keeps calling me, I do not know who this company is. I told them to stop calling a month ago. This is harassment and I want it to cease immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-03 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
I signed paperwork from XXXX XXXX at m & t bank about changing my portfolio to lower my interest rate on XX/XX/2020. I signed everything that I was supposed to as I read about lower interest rates and was told a refinance wouldn't make sense as I didn't have anything to put with it but a change of portfolio would be better. The paperwork I signed had the effective date of XX/XX/2020 I have contacted the bank multiple times about being overcharged they stole money from me, as I have automatic payments for my mortgage coming out bi-weekly. They then sent me another set of paper work contradicting the previous paper work I signed having a higher interest rate and payment amount with effective date of XX/XX/2020 I contacted the bank and have been getting the run around. I have never missed a payment or been late in the XXXX I've had a mortgage I'm actually 4yrs ahead on my XXXX mortgage. XXXX XXXX threw her hands in the air when I called and complained about still being overcharged saying not her problem it's the mortgage department 's problem. In the meantime I've been overcharged twice and will probably be overcharged again on XX/XX/2020 I have spent hours on the phone with them, emailing them, and even going to the bank wasting my time, gas, money. Now they are saying if they are wrong there going to apply the extra money they stole from me and apply it to the principal of that loan like it's their money to decide how to spend it? I never gave them permission to take more then the actual payment and because they decided to steal from me it cost me some interest aswell on that account. I have all the paperwork and proof of this, I even took the contradicting paperwork to the branch and I spoke with XXXX who said she doesn't understand why they would do that and would look into what XXXX XXXX is doing. I'm still being overcharged which is illegal per cfpb and, fdcpa which I informed them I have to know these laws for my job aswell as others. I have been made to feel like I'm making this up and it never happened when I have the proof. I've been made to feel like I'm lying, and it's ok for the bank to steal from me. I put my money in the bank to keep it safe and the company that's supposed to protect my money is stealing. They only have wanted to argue with me when I call and speak with the mortgage department, the only people that have been helpful is XXXX and XXXX at the m & t branch in arcade who have said this isn't right and they have to get it up to higher people to fix this. However when the higher up people have contacted me via phone they say they haven't done anything wrong and are doing nothing to fix the problem.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-03 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: MD

Complaint narrative:
I could not log in to my experian account with my username and password. i thought in first instance that i forgot my username and when i click forgot username, Experian sent my username via my email which was the same i used to log in initially. When i applied it to the link sent experian link stated that that user name not found in their system hence could not move further i contacted via email same link sent without result. I called Experian customer service # and the first information automatically asked was your social security #, when i entered that options available will not allow me to speak to a live agent. This problem been going on for about 3weeks now and what so frustrating about it was i was sent a link to give review on customer satisfaction i did not do yesterday. Experian is the official credit reporting company to my XXXX XXXX XXXX. i cant request my credit report at this time.

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 2020-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Happy Saturday everyone ; Hi and how are you doing? This is taking over 90 days and i still haven't received any correspondences about this dispute from XXXX XXXX. Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

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 2020-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Happy Saturday everyone ; Hi and how are you doing? This is taking over 90 days and i still haven't received any correspondences about this dispute from XXXX XXXX. Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

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 2020-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
For a period from approximately XX/XX/2002 to the present the U.S. Department of Education ( XXXX, XXXX XXXX, etc. ) has failed to report accurately the information on my credit report ( s ). There are verifiable payments made from three different credit union accounts ( XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX ) where XXXX XXXX XXXX is the accountholder in which she has paid student loans in the amount of $ XXXX {$300.00} or more per month but the information is not reflected on her credit report ( s ). XXXX XXXX XXXX has received education for XXXX XXXX programs and earned degrees ( XXXX and XXXX  ) as well as a educated in a minor of XXXX  ; earning ( holding an XXXX ) and finally a XXXX XXXX XXXX ( XXXX ) that has been placed on hold ( deferment ) due to financial aid or U.S. Department of Education errors at a XXXX  University.

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 2020-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
For a period from approximately XX/XX/2002 to the present the U.S. Department of Education ( XXXX, XXXX XXXX, etc. ) has failed to report accurately the information on my credit report ( s ). There are verifiable payments made from three different credit union accounts ( XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX ) where XXXX XXXX XXXX is the accountholder in which she has paid student loans in the amount of $ XXXX {$300.00} or more per month but the information is not reflected on her credit report ( XXXX ). XXXX XXXX XXXX has received education for XXXX XXXX programs and earned degrees ( XXXX and XXXX  ) as well as a educated in a XXXX  of XXXX  ; earning ( holding an XXXX ) and finally a XXXX XXXX XXXX ( XXXX  ) that has been placed on hold ( deferment ) due to financial aid or U.S. Department of Education errors at a XXXX  University.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
For a period from approximately XX/XX/2002 to the present the U.S. Department of Education ( XXXX, XXXX XXXX, etc. ) has failed to report accurately the information on my credit report ( s ). There are verifiable payments made from three different credit union accounts ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX ) where XXXX XXXX XXXX is the accountholder in which she has paid student loans in the amount of $ XXXX {$300.00} or more per month but the information is not reflected on her credit report ( s ). XXXX XXXX XXXX has received education for XXXX XXXX programs and earned degrees ( XXXX and XXXX  ) as well as a educated in a XXXX of XXXX  ; earning ( holding an XXXX ) and finally a XXXX XXXX XXXX ( XXXX  ) that has been placed on hold ( deferment ) due to financial aid or U.S. Department of Education errors at a XXXX University.

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 2020-10-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Happy Saturday everyone at XXXX ; I noticed an account that was removed early this year which original creditor was Cap1, but i just refresh my credit and noticed that your company re-inserted the account without proper notification on this alledged debt. As i said before, i have no recollection or relationship with this company listed and you've failed to provide me detailed request or validation. 

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 immediately reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
Happy Saturday everyone at Portfolio ; I noticed an account that was removed early this year which original creditor was XXXX, but i just refresh my credit and noticed that your company re-inserted the account without proper notification on this alledged debt. As i said before, i have no recollection or relationship with this company listed and you've failed to provide me detailed request or validation. 

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 immediately reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I paid my balance with Capital One on XX/XX/2020 of {$660.00} and they say it will 7 days to credit my balance even though they received the funds on XX/XX/2020. I could understand 3 days but not 7 days? They say they can hold whatever amount for 7 days after it clears.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Stark Collection Agency, Inc.
State: WI

Complaint narrative:
I applied for a credit line increase on my XXXX XXXX XXXX credit card. 
The next thing I received was a notice from the collection agency that I owed XXXX on an account closed XX/XX/2019 and that account had a XXXX dollar balance per credit union requirements. I closed my checking account over 7 yrs ago and that was paid also I replied back to the notice that they need to validate this debt but instead of validating they reported it to the credit bureaus. See attached statement from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The last four of my social security number is XXXX. Please investigate the following informationXXXX XXXX XXXX  # XXXX. The address for this creditor is incorrect, correct it or delete this account. The date of 1st delinquency is incorrect, correct it or delete this account. The term duration is incorrect. Correct it or delete this account. XXXX # XXXX. Date open is incorrect, correct it or delete it. Date of first reported, correct or delete this account. The high credit amount is incorrect, correct it or delete this account. The date of 1st delinquency is incorrect, correct it or delete this account. XXXX XXXX # XXXX Date open is incorrect, correct it or delete it. Date of first reported, correct or delete this account. The high balance is incorrect, correct it or delete this account. The public record # XXXX. I contacted the bankruptcy court concerning this account and they told me they have no record of this under my personal information or social security number. They also told me they do not report anything to credit bureaus for no bankruptcies at all. I have also contacted the data furnisher XXXX XXXX you have listed on my report and they also conveyes to me they do not have any information under my complete name, address, date of birth and full social security. Please remove this Public Record of my report for false reporting. 

Thank you.

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