vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-15 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: IL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I currently have in collection of debt through a company called LVNV through an original creditor XXXX  XXXX XXXX. It states on my credit report that I opened this account XX/XX/XXXX of XXXX. This information is incorrect I opened an account with XXXX  XXXX XXXX  almost 7 years ago in XX/XX/XXXX I closed the account in XX/XX/XXXX which I paid satisfactory every single month and willingly closed the account myself. This company has never mailed me any piece of mail stating I owe them anything. I know I closed my credit one account almost 7 years ago. This is unfair reporting and incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2020-09-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRUSTMARK CORPORATION
State: NC

Complaint narrative:
Filed a dispute with the credit bureau XXXX and XXXX removed them XXXX left one XXXX refused I filed the theft report and sent to both companies and XXXX  with no results I keep all my payments up to date I did have to file bankruptcy in XXXX due to my wifes XXXX bills but since have been trying to build my credit plus I have 39 hard inquiries that I didnt request XXXX XXXX  XXXX.and XXXX  XXXX  XXXX which was purchased from another company they said payments had be made on it I requested them to send me copies of payments because Ive been with the same bank for 30 years and no proof was every sent also XXXX XXXX for XXXX I have a access one credit card to cover any out of pocket cost I filed the fraud report and sent the required documents to each lender and to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
Identity Theft! I received an update from credit bureaus that there is a negative item reporting on my credit. Upon inspection, I noticed there were accounts open that were not mine. I tried calling to resolve the issues but no one was willing to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 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: MD

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS

Complaint narrative:
Bank of America filed my neighbor 's mortgage against my property ( they input the wrong legal description ). 
I am now unable to sell my home because the title is not clear. We have been trying to clear this up since XXXX ( 3 months ago ). My neighbor has contacted the bank on numerous occasions. The realtor has contacted the bank numerous times. We have had a lawyer contact them. BOA claims that they are taking care of this, but we are not seeing any response. 
I already had one set of homebuyers back out on purchasing the house because of this and am about to lose a 2nd set of home buyers.

Please help!!!!!

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 2020-09-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GULF COAST COLLECTION BUREAU, INC.
State: FL

Complaint narrative:
According to my credit report Gulfcstcol received this account from another collector of which I did try and contact and explain what was going on. Thought all was well and then I seen Gulfcstcol had put it on my credit report as derogatory remarks and owing {$250.00}. First of all they  have repeated the charge twice, dated XXXX, making it look like two charges now. Secondly the first charge never should have been on there at all as I was under XXXX XXXX at the time and went into hospital and they were accountable for the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
My wife put me on her AMEX card and we'd been keeping up with payments. Yet theres been a stop on spending on purchases without proper research by AMEX on my credit worthiness

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Had multiple charges from a merchant called " XXXX '' brought this up to the attention of Apple card Goldman Sachs. They flagged the charges as fraud. few weeks later i received an email notifying me that the charges where found in the merchants favor. The merchant claims they have evidence that im associated with the address they have on file. I inquired to that evidence and Goldman Sachs was not able to produce any evidence. 

I believe this is gross negligence and breaches my rights under the Fairs Credit act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2020-09-15 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Sierra Holdings LLC
State: IN

Complaint narrative:
On XX/XX/2020 someone using my personal info tried getting a payday loan in my name. XXXX  was no help

Company response to consumer: Untimely response
Consumer complaint received 2020-09-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: AZ

Complaint narrative:
I submitted my required paperwork to Loan Care, LLC on XX/XX/2020 to end my forbearance on XX/XX/2020 and was told I would be contacted within 10 days to go over my options. I called after 10 days and was told that review could take up to 30 days but to call the following week to check on the status. When I called the following week as suggested, I was then told it would be 30 days for the review to be completed, period. After waiting the 30 days from submittion, I called again for an update, waited on hold for over an hour and a half, and then was told that loss mitigation closed while I was on hold and that my paperwork would not be reviewed until my forbearance period ended. I requested that I could speak with a supervisor since each time I call I'm given a different response. I was told that a supervisor would call me before the end of the business day, but that call never came. So, on XX/XX/2020 I waiting on hold for another hour and a half to be told that review times are now taking over 45 days. While speaking a customer service repesenative, there were kids screaming in the background and somehow the call was disconnected and I was placed back on hold. After waiting another hour on hold, I gave up. 

While I understand that these are not normal times, I would expect that mortgage accounts would be handled in a more timely and professional manner. I called again today, XX/XX/2020, and was told that they could extend the forbearance until they have completed the review of our account. I explained that I do not want to further our forbearance since that would further delay our ability to refinance in the next few months. I was again put on hold for another hour and gave up. 

Now our forbearance will expire on XX/XX/2020 and the only option we are currently given is to extend our forbearance which is unacceptable.

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 2020-09-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
Within the past week, I have received multiple calls from Portfolio Recovery & Associates. I have advised that they are contacting me on a cell phone and I advised that they send  correspondence by mail. They give the last four numbers of social security and date of birth and address, so basically giving out my personal information to verify. They have been advised now to stop calling, today was the 5th call from this collection agency. One representative advised me that the company would continue to call because without me verifying personal information they can not code the account for calls to cease. I advised that I would file this complaint with CFPB if it continued and now that I received the 5th call- this is now considered harassment and a violation of the FDCPA and TCPA. Also, when I  requested to speak to a supervisor I was placed on a silent hold for several minutes to no avail. Also, no mini Miranda was read to me. I was finally able to speak to a manager who stated that they will continue to contact my cell phone until I verify all of my personal information. The manager would not stop the harassment either.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: MD

Complaint narrative:
today on XX/XX/2020 chime bank closed my account because of visa  transfers  from XXXX   XXXX. they asked me to provide information on to why i transferred Visa Transfers to my account, which i have given them, Chime stated my information was not good enough and stated they will refund me my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2020-09-15 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: FL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
My personal checking account was closed by Chase Bank because I had a business deposit into my personal account they told me they was going to close the account and mail me a check with the funds, they did close the account but I havent got any mail from them and this happened over a month ago

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 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: NV

Complaint narrative:
On XX/XX/2020 XXXX XXXX confirmed removal of an inaccurate bankruptcy from my XXXX XXXX report. On XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020 Experian stated in dispute results that XXXX XXXX verified the accuracy of the bankruptcy. Additionally, on XX/XX/2020 in CFPB complaint # XXXX and on XX/XX/2020 in CFPB complaint # XXXX, Experian stated the inaccurate bankruptcy was confirmed by date furnisher, XXXX XXXX. Lastly, on XX/XX/2020 Experian responded to a XXXX XXXX XXXX complaint stating the bankruptcy was confirmed by data furnisher XXXX XXXX. In the XXXX XXXX report dated XX/XX/2020, an inaccurate bankruptcy is not being reported by XXXX XXXX. Why has Experian consistently stated the inaccurate bankruptcy is being verified by XXXX XXXX, when in fact it is not?

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 2020-09-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
PORTFOLIO RECOVERY is reporting on my XXXX report a fraudulent debt. 
This debt was a result of identity theft and was originally removed from all 3 credit agency. 

This account by XXXX XXXX XXXXi is fraud and needs to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have a late payment for XXXX of 2020 reporting on my account with Capital One that I would like to have removed. I have contacted Capital one directed on numerous occasions to resolve this matter with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 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: Dynamic Recovery Solutions, LLC
State: CT

Complaint narrative:
On Tuesday XX/XX/2020 I received a notification from XXXXn about a change to my credit account. When I logged in I saw 7 negative collections accounts on my credit report, all for private student loans taken out between XXXX. There has been no payment activity on these for 10+ years. Around the time when I was looking to purchase my house XXXX years ago the same thing occurred. I can't recall if it was the same company but they attempted to add collections accounts to my credit report which I disputed and put in a complaint with the cfpb. They subsequently removed all credit reporting, acknowledging that the debt was well past the statute of limitations. Seeing as that was nearly 3 years ago now the status of the debt has not changed and no additional payment activity has occurred that would have reset the clock. I am attempting to dispute the accounts through the various credit agencies but I would also like to file this formal complaint in the hopes that their illegal reporting of old debt might be investigated at a future date. 

The collection agency 's information is as follows : Dynamic Recovery Solutions , LLC XXXX XXXX XXXX XXXX, SC XXXX phone : ( XXXX ) XXXX email : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Penn Credit Corporation
State: MI

Complaint narrative:
I received a notice of debt from PennCredit on XX/XX/XXXX. I did not receive a notice of right to dispute. The customer service rep said that a notice was mailed to me on XX/XX/XXXX to an address I haven't lived at since XX/XX/XXXX. She said a second notice was mailed on XX/XX/XXXX. I NEVER received the notice. I received the request for payment on XX/XX/XXXX and the placed this collection on my credit report without notification of my right to dispute. I am happy to pay the collection as it was an energy bill for an apartment I used to live in, but I am not happy with the fact that they placed this on my credit without notifying me of my right to dispute. MY address isn't a secret. In fact, it's public record. I want this removed from my credit report. I do not believe they followed the fair debt collection act practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have contacted the credit bureaus on multiple occasions and they have yet to fix my issue. I have multiple inquiries on my credit report that I did not authorized and I need them removed 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