vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given. I demand proof that you went through all the proper and logical steps that would have been necessary to validate or refute my dispute. If your agency is unable to do so, I demand that this account be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have noticed there is an account for XXXX XXXX reporting on my credit profile that does not belong to me, I have sent dispute after dispute to both the creditor, and the credit bureaus ( Experian ) and still nothing has been resolved, I recently sent a dispute to the bureau and the agency on XXXX XXXX and again on XXXX XXXX. I have sent numerous request to both the bureau and the creditor asking they provide me with court worthy documents this account belongs to me and I have not yet received those documents, the credit ( Experian ) has responded to each dispute the account has been " verified '' again no court worthy documents have been sent. This is negatively affecting my credit worthiness and I wish to have this remove from my credit profile 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 non-monetary relief
Consumer complaint received 2021-10-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Stillman, P.C. d.b.a. Stillman Law Office
State: TX

Complaint narrative:
Stillman Law Office, I do NOT owe the creditor. I have attempted to secure documentation from XXXX, XXXX XXXX as well as XXXX XXXXs of the debt. 

I obtained an alarm system from XXXX in XXXX of XXXX. I also kept the current system that I owned at my old house. When I called to set up service at my new home I was told that if I kept the old system for a min of 6 months, which I did, and due to longevity of being a customer, since XXXX, that I would have the new equipment without charge. The rep came the first of XXXX to install at new house and called to verify that I would have new equipment complimentary of XXXX by keeping old equipment operating for 6 months and due to length of being an XXXX consumer. 
I did not receive a request for payment until XX/XX/XXXX from XXXX and then the next month from XXXX stating the account was delinquent. I had not received anything from XXXX, XXXX, or XXXX prior to XXXX of XXXX. I have asked XXXX, XXXX, and XXXX for info on a contract or anything that I signed, which can not be produced because I did not sign for anything. 

XXXX was in the news last year in the XXXX area for installers making unethical access to customers accounts and when I received this in XXXX from XXXX I attempted to see if this was part of the illegal dealings that installers for XXXX was part of. XXXX was no assistance and only referred me back to XXXX who in turn referred me to XXXX. 

I now have received a letter from Stillman Law Office in ref to the debt. 

If I owed this debt I would pay it but received the new system complementary of XXXX. I have been a customer since XXXX and I am a current customer now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on SANTANDER CONSUMER USA. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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: FL

Complaint narrative:
I previously requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported illegally. Your agency sent a letter stating that you had completed your investigation and the items were not deleted, as requested.This is a request under FCRA 611 ( a ) ( 7 ) Description of reinvestigation procedure by your bureau in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ). A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). Please reply within 15 days or delete the items, as originally requested. XXXX  XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX CT FL XXXX 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 2021-10-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on LVNV FUNDING LLC. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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: CA

Complaint narrative:
The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given. I demand proof that you went through all the proper and logical steps that would have been necessary to validate or refute my dispute. If your agency is unable to do so, I demand that this account be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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: DFC Global Corp.
State: CA

Complaint narrative:
The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given. I demand proof that you went through all the proper and logical steps that would have been necessary to validate or refute my dispute. If your agency is unable to do so, I demand that this account be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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: TX

Complaint narrative:
I had submitted a dispute to Experian on XX/XX/21 regarding XXXX XXXX. I received and Email to the email they have on file XXXX on XX/XX/21 stating they received my dispute. After that I did not receive any notification or status, on XX/XX/21, 30 days after called spoke to XXXX an Experian representative with reference # XXXX who stated he did not see anything on file. So i asked XXXX if I can speak to a manager or supervisor he stated is unable to but to give him my phone number, which I did its the same one they have on file and since then i have not received a phone call or an email regarding the issue.

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 2021-10-28 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: Lendmark Financial Services
State: CA

Complaint narrative:
The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given. I demand proof that you went through all the proper and logical steps that would have been necessary to validate or refute my dispute. If your agency is unable to do so, I demand that this account be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Account : XXXX In Wells Fargos response, the company is blatantly dishonest in its assertion that the unapplied funds were applied towards the escrow account. An examination of the mortgage statements that Ive attached with the previous complaint indicates that the unapplied payments served as recorded overpayments and they remained unapplied towards my escrow account or the mortgage balance. I would like Wells Fargo to point out where in any of its mortgage statements that indicates that these overpayments were indeed applied towards my mortgage balance, escrow account, or refunded to me. Wells Fargo is unable to do so because, based on Wells Fargos own mortgage statements, these overpayments were essentially UNAPPLIED and kept by the bank as additional profit. This is tantamount to highway robbery in broad daylight, goliathan bank taking advantage of the puny and defenseless consumer. I would like a refund of the overpayment of {$12000.00} as described in my first complaint.

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 2021-10-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
Select Portfolio Servicing is charging Illegal " Property Inspection '' charges on mortgage account. We have paid on time and proved via SPS Payment History showing all payments current and never paid late. Enclosed is our SPS mortgage statement dated XXXX XXXX XXXX for our next payment due XX/XX/XXXX. This statement has a " Property Inspection '' charge of {$40.00} that is illegal under XXXX XXXX servicing Section 9202.3 that is only to be charged in the event of mortgage delinquency. We requested SPS payment history which was provided from XXXX to current due XXXX XXXX XXXX. It clearly shows no delinquent or late payments. This is exactly how XXXX XXXX mortgage, our prior servicing company, started to harass us and lead to XXXX XXXX not crediting our mortgage payments and charging late fees and escrow payments increased. We will not be harassed by another mortgage servicing company charging ILLEGAL FEES to steal money from homeowners. We want a stop to this ILLEGAL actions by Select Portfolio Servicing immediately and CFPB take action to stop them and file civil actions against them if warranted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK
State: IL

Complaint narrative:
To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt you claim I owe. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

Additionally, please be advised if XXXX XXXX XXXX XXXX XXXX has or continues to report invalidated information to any of the three major credit agencies ( XXXX, XXXX, XXXX ), this action might constitute fraud under both federal and state laws. As such, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for violating the FDCPA and defamation of character.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-28 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: CA

Complaint narrative:
I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY DISPUTES ON LATE PAYMENTS THAT ARE NOT TRUE AND ACCOUNTS THAT SAY CHARGE OFF THAT ARE NOT ACCURATE, A LETTER OF EXPLANATION IS ENCLOSED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I began to get emails from Chase Credit Card Services for fraudulent purchases that have been made on an account in my name. 4 XXXX gift cards totaling {$410.00} is stated in the emails I received on XX/XX/21 @ XXXX and at XX/XX/21 at XXXX. I DO NOT have an account with Chase Bank ( Business or Personal ), no do I desire one. I don't have any bank accounts or anything with this bank. On XX/XX/21 I began discussing this with the Fraud department and still nothing has been done. I spoke with XXXX, XXXX, and XXXX. This is fraud and identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Attached email describes my concern regarding a request for an extended Forebearance that went into effect effective XX/XX/XXXX, twelve ( 12 ) months of Forebearance ended XX/XX/XXXX. 
However, I requested an extension from my mortgage company and would like for them to extend it to XXXX ( XXXX ) as outlined in the US Government regarding Forebearance Extension. 

This is not a complaint, but hopefully to avoid foreclosure as I am anticipating the Virginia Homeowner Assistance Fund to become live and active and to make application for Assistance with paying my mortgage. 

If these options are not available to me, I will need additional time to obtain other assistance that may be, or become, available to me and I need your agency 's help and guidance with my dire and pressing situation. 

Thank you respectfully, XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
For a few months now, I have been unable to access my myEquifax account. That is, I would enter my login information, but the website would immediately respond, " Please give us a call. '' On XX/XX/2021, I called Equifax Customer Care to resolve the issue. I gave my name, birthdate, address, social security number, email address, and two phone numbers. One number was my most recent and what I had updated my account to, and the second was the number I had begun my account with. Even though the agent stated that they were able to view my credit file, they still wanted me to go through a " Document Verification '' process via a link sent to my most recent phone number. This would involve me sending them pictures of my Driver 's License and / or Social Security card along with pictures of myself for " facial recognition. '' I was shocked that they were requesting such personal documents and, essentially, forcing me to consent to facial recognition, especially considering Equifax had a major data security breach just four years ago and there have been several data breaches this year. I repeatedly requested an alternate method for verifying my identity, but the agent refused, stating that consenting to the invasive process was the only way to eventually gain access to my account. Due to the agent 's unwillingness to provide a different method, I had to request a supervisor. While I was on hold, I used Equifax 's Account Recovery process. Fortunately, I was able to access my account this way by using the old phone number. Once inside the account, everything seemed fine. However, when I attempt to place a freeze on my credit, the website states, " Please give us a call. '' I am concerned because they are preventing me from protecting my credit, and I am in fear that they will once again request that I go through this invasive facial recognition process. It should be noted that even Equifax XXXX warns against the use of facial recognition software.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given. I demand proof that you went through all the proper and logical steps that would have been necessary to validate or refute my dispute. If your agency is unable to do so, I demand that this account be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given. I demand proof that you went through all the proper and logical steps that would have been necessary to validate or refute my dispute. If your agency is unable to do so, I demand that this account be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ZWICKER & ASSOCIATES
State: MA

Complaint narrative:
This debt collection company has continuously sent letters to my home to collect a debt that they have yet to prove it belongs to me. I have responded to every letter they have sent me requesting a copy of the contract showing that I actually owe the debt. They have only provided copies of credit card statements and no contract. This has started since XX/XX/XXXX, I have been summon to court on XX/XX/XXXX which is very frustrating because I have to take time off of work for a debt that does not belong to me.

Company response to consumer: Closed with explanation