vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I sent this company a debt validation letter months ago and still haven't received anything, I even ask the credit bureaus to delete this debt because I have no knowledge of it, the debt amount changes on my credit report every few weeks it seem like they are trying for some kind of accuracy and according to the FTC anything not accurate on your credit must be deleted. each bureau is reporting different amounts each month and I also reach out to them for accuracy all came back verified??? how can that be if they all reporting differently please investigate!! it said {$580.00}, one month then the next it says {$580.00} every time I ask for a validation it changes even on the credit bureaus, isn't that against the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
NAVIENT SOLUTIONS LLC attempting to communicate with me without my consent about an alleged debt. I do not know NAVIENT SOLUTIONS LLC nor do I owe them anything. NAVIENT SOLUTIONS LLC are violating my federal protected rights and asking me to fill out discharge form when I dont owe them anything. Furthermore, I never gave NAVIENT SOLUTIONS LLC my consent to furnish an account in their records with my private information. This alleged debt theyre trying to accuse me of is not mine nor will I pay for it. NAVIENT SOLUTIONS LLC stated they will continue to violate me and keep causing severe damages against my consumer report. NAVIENT SOLUTIONS LLC believe they loan me, a consumer, something but that isnt the case. I do not know NAVIENT SOLUTIONS LLC. I am attaching a debt validation letter, Cease and desist, Affidavit of Truth w/ Exhibits, an invoice for the damages NAVIENT SOLUTIONS LLC caused, and an Identity Theft Report. I do not wish to do business with NAVIENT SOLUTIONS LLC nor allow my reputation to be ruined any further. Pursuant to 15 USC 1692k I am seeking monetary relief for the damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25 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 recently sent out disputes over 30 days ago for a few accounts listed on my credit report. I received notice that this account was verified. I did not receive any supporting documents that I requested. This is my second request asking them to give me more information about this alleged debt. If such documents are not produced within 15 business days please delete this from my consumer report. I am fully prepared to take this issue to court to start a ligation. I have gave Experian and XXXX over 30 days which they was suppose to verify and 15 days to sent out supported documents as I requested via supported documents in my dispute letter. They are now violated Section 616 & 617.

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 2021-09-25 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: GA

Complaint narrative:
What Im not understanding is why Ive had contact with XXXX several times regarding this account. XXXX XXXX XXXX {$690.00} CLOSED/CHARGED OFF Opened XX/XX/XXXX Account # XXXX For the past year since XX/XX/XXXX Ive been calling and disputing this inaccurate account to no avail. I recently disputed in XX/XX/XXXX. XXXX has since sent a letter that theyve been sending for the past year. 2. They sent an email and letter stating that the account in question was verified and validated by the creditor, yet theyve neglected to furnish me with the proper documentation. 3. Ive contacted them 3 times over the past 3 weeks, to advise them to delete this invalid account from my report. Still no avail, Im Am now preparing to start litigation process against XXXX This account has been removed from XXXX as well. 4. Lastly, I have a fraud alert placed in my credit profile, that indicates that anyone who runs my credit profile needs to call me and that was never done .Ive reached out to XXXX several times to advise them on unauthorized account access.

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 2021-09-25 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: VA

Complaint narrative:
Mid XXXX I mailed Transunion a dispute letter requesting an investigation. A received the green return receipt card from the USPS that it was received. A copy of the card is attached. A week or so later Transunion mailed me a letter requesting to send proof of address and identity to which I did. 

So I checked online on the Transunion website and I sent that nothing is in dispute or was marked in dispute. 

So Transunion has exceeded the 30 days required by law to investigate my dispute and number 2. Has either failed to notify of me of my dispute or even initiate a dispute per my request.

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 2021-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Okay! What Im not understanding is why Ive had to contact and write Equifax several times regarding this account. 
XXXX XXXX ACCOUNT # XXXX Opened on XX/XX/XXXX {$350.00} For the past year since XX/XX/XXXX Ive been calling and disputing this inaccurate account to no avail. I recently disputed in XX/XX/XXXX. Equifax has since sent a letter that theyve been sending for the past year. 2. They sent an email and letter stating that the account in question was verified and validated by the creditor, yet theyve neglected to furnish me with the proper documentation. 3. Ive contacted them 3 times over the past 3 weeks, to advise them to delete this invalid account from my report. Still no avail, Im Am now preparing to start litigation process against Equifax This account has been removed from XXXX as well. 4. Lastly, I have a fraud alert placed in my credit profile, that indicates that anyone who runs my credit profile needs to call me and that was never done .Ive reached out to Equifax several times to advise them on unauthorized account access.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Good Afternoon, I tried to reach the credit Bureaus by letter and they have not answer me, there is incorrect information on my credit report and they do not update the incorrect information and did not provided any kind of information back to me. I'm starting to feel very frustrated at this point. I hope you can help me and find a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
Hi CFPB, My full name matching my passport XXXX XXXX XXXX Im from XXXX and I want to complain about a very concerning problem related to the payment service PayPal offered at paypal.com it stole all my moneys XXXX. 

im XXXX, i play in the XXXX XXXX and i give my XXXX XXXX XXXX to friends in the XXXX XXXX, i XXXX  items in the XXXX XXXX XXXX and i XXXX  it to my XXXX  in the XXXX, the XXXX XXXX me by Paypal bank, because Paypal monopolize the market in the internet and she is dominant 70 % of buyers online work with it, she is good with buyers but sellers like me not, she punish them harshly, this is 4 years I work with paypal and I know it, she dont protect digital product, the probleme why paypal Ban my first account is : I give my service to 100 customers, and one of this customers is scammer he do dispute he says to paypal I dont receive my physical product and paypal give him back the money and Ban me, its bad to paypal ban me, 1 bad man Ban my account!!!! we can't receive payment by bank transfer ( you need to waiting 10 days to receive your money ) or other service, we have just Paypal in the internet to receive the money quickly, i live with this service with my family, I don't know why paypal block my accounts, she told me : after 180 days you can withdraw your money, im waiting 180 days, but i fund Paypal took all my money : XXXX, its not good to took money people, she take the money by force and you can't do anything, pls help me to get my money back, im poor and i have just this money for living, i invest it to buy items in the game and sell it, im a good man ; im not a hacker or scamer, i want just to live with peace, Paypal told me after XXXX you get your money, this is what I want, to give me my money from my accounts Paypal, it passed 180 days and I dont have any dispute or problem with customers, so give me my money XXXX. Its my investement and my profite, -PayPal transferred my whole balance and took my hard earned money, Under the common law, liquidated damages may not be set so high that they are penalty clauses rather than fair compensation. 

- XXXX, I support my family and gather to get married and buy a house. 

- This all my accounts Paypal : XXXX / XXXX/ XXXX / XXXX/ and this is the account of my sister of mother, I used it with her consent : XXXX, total is XXXX - They steal my money in the month 7.

-I believe PayPal acted in bad faith as a payment company, they have failed to offer the promised service. I believe that I was deceived and scammed by PayPal and I want to complain about this corrupt acts done by the payment company PayPal. I have tried to resolve this issue friendly with them many times but they always reply with canned and useless responses done by bots. PayPal failed to provide the advertised payment service. 
Looking forward for your reply. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Account shows account balance and reports as fraudulent account. I never had a balance or was fraudulent. please fix.

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 2021-09-25 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: CO

Complaint narrative:
Experian keeps reporting late payment on my credit report for the month of XX/XX/2021. THis is inaccurate. I've reached out to them XX/XX/2021 disputing this but no response or action to remove this has been taken.

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 2021-09-25 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have attempted to remove a closed account from my Experian credit profile as the statue of limitations has exceeded the 7 year mark on XX/XX/21. In addition I attempted to dispute another card account however Experian has not provided info and the dispute time has exceeded 30 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 2021-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: KEYCORP
State: NY

Complaint narrative:
XXXX complaint filed already. No response from Key Bank. How long does this take. Just close my acct and send me my money!! CFPB has not done anything to help me!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Linebarger Goggan Blair & Sampson LLP
State: CA

Complaint narrative:
Receive deliquent fee or fine for XXXX don't owe this I was affected by COVID-19 they won't help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have attempted to remove a closed account from my XXXX credit profile as the statue of limitations has exceeded the 7 year mark on XX/XX/21. In addition I attempted to dispute another card account however XXXX has not provided info and the dispute time has exceeded 30 days,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AG AH LLC
State: VA

Complaint narrative:
On XX/XX/2021, I paid Arc Home LLC {$160000.00} after I liquidated my investment property and before my first mortgage payment ( due XX/XX/2021 ). At the same time, I requested a recast to be done and paid the recast fee so that my monthly payment can go down. I was told it will take up to 60 days for their accounting department to make that adjustment. After calling them several times for almost 2 months to ask about the status, I was finally told that they sent me a document, which I never received, and I was supposed to sign it as well as sent it back to them. Since it passed their deadline, they needed to reopen the request and get the process started again. And I need to wait for another 60 days for them to complete the process. In other words, I need to wait for another 60 days to see if this is actually going through or not. Given the experience I have with them, I have very low confidence with that. 

For instance, their online application is problematic ; I ended up having to make one of my monthly payment by phone, which for no reason became 2 identical payment transactions on a roll. I had to call them again to ask for return of the money on the 2nd one. They did but didn't explain they gon na sent me a check, which I never received. When it's time for me to make another monthly payment, I still don't have it. I called again to see if they can stop the check and apply that amount to the upcoming payment. As of now, they said the check is stopped but i haven't seen the dollar amount being applied to the payment again. Guess I'll also need some luck over this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Home Equity line of credit loan was taken out by myself over 14 years plus ago as of XX/XX/2019 BMO Harris decided to do a cancellation of debit and now the IRS was me to pay taxes. Never received a 1099-C form as I havent banked with BMO Harris in over 10 years. I have since had my home foreclosed on! Have no way of obtaining 1099-C and dont think its fair that after 14 + years BMO Harris is now able to say that the are doing a Cancellation of Debit on this loan

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 2021-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Over the last XXXX years my identity keeps getting stolen. 

First it was with XXXX, then I received a collections from paypal for $ XXXXToday I woke up and someone opened an online banking account with XXXX. Also 3 years ago I had my snapchat hacked and my friends were scammed out of hundreds of dollars. snapchat has no customer service number, i had to create a twitter and tweet at them to get it resolved. 

im almost certain this is an ex girlfriend of mine

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 2021-09-25 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: FactorTrust, Inc.
State: TX

Complaint narrative:
Denied for credit through a report FactorTrust provided. Reason given was that its derogatory information, but I havent had a late payment in well over a year & this reporting is defamatory

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WAKEFIELD & ASSOCIATES, INC.
State: OH

Complaint narrative:
On Wednesday XX/XX/XXXX I received a phone call stating that I had owed XXXX on one Account and {$970.00} on another medical bill account. I inform the agent that I was currently enrolled in a payment plan which was automatically drafted from my account. The agent initially had stated that there was a lapse of payment and my account somehow had gone into arrears. I was not only shocked and surprised but I was insistent upon that Ive always been on top of my credit and this was definitely mistaken. The agent said not to worry they would handle it by offering me a 12 month payment program in which I couldnt roll over the phone so I hesitantly decided to reenrole and Payment was drawn out from the exact same checking account. After I got off the phone and processed everything that has transpired, i immediately called back and asked to speak to a supervisorXXXX  XXXX ( the on duty ) assured me Not to worry and gave me an email address for me to send correspondence to which would explain that in fact I was already enrolled in a payment plan -which in fact was current and in affect from XX/XX/XXXX until XXXX. My payments were NEVER IN ARREARS nor was any payment attempted in XXXX and found insufficient .I never received any written email, letter or call stating payment wasnt applied rather Wake Associates called me and INNACCURATELY REPORTED my file to XXXX  and put accounts in collections. This is not ok and when I called backYesterday I was told by XXXX XXXX that they were doing a manual deletion and not to worry. I have saved all of my written correspondence with my outline emails and have proof of my phone calls. I am 100 % certain that this was an error and I would like for this to immediately be resolved and removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
COMPLAINT ON COMENITY - VICTORIA SECRET XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX ( XXXX ) XXXX Texas XXXX XXXX XXXX info XXXX Comenity Bank XXXX Tax Payers Id # XXXX Comenity Bank XXXX Secretary of State # XXXX Received call from Comenity Bank XXXX Victoria Secrets at XXXX XXXX ) XXXX, saying that they didn't get my XX/XX/2021 Payment. I let them know that I did make my payment on XX/XX/2021 through My bank paid with check # XXXX for {$75.00} which what was due. I had the representative verify the payment address, the address that he gave me was XXXX XXXX XXXX, XXXX Tx XXXX. The address that my bank sent the check was XXXX XXXX XXXX, XXXX XXXX Tx XXXX. At some point the address that I had was valid. Not sure when this company, Comenity Bank XXXX Victoria Secrets changed their payment address. The customer service rep calls are being forwarding to other countries from the USA. I made my payment in Good Faith. This company changed their payment address and didn't notify me. They are trying to charge me a late fee on top of my payment. I want the late fee waived and not charge on the front end which is what they will do. My payment should only be {$75.00} without the late fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Chime Financial Inc
State: IL

Complaint narrative:
Over the last XXXX years my identity keeps getting stolen. 

First it was with XXXX, then I received a collections from paypal for $ XXXXToday I woke up and someone opened an online banking account with Chime. Also 3 years ago I had my snapchat hacked and my friends were scammed out of hundreds of dollars. snapchat has no customer service number, i had to create a twitter and tweet at them to get it resolved. 

im almost certain this is an ex girlfriend of mine

Company response to consumer: Closed with explanation