vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I had become XXXX XXXX  and sick with XXXX. I XXXX and couldn't tell what was real and what was fake. I soon lost my job and went XXXX and lived in the XXXX   and I use all my credit cards to survive. I was XXXX  and XXXX  for 2 years until my family found me and got me help. I been on my medicine for 2 years and finally feeling like my self again.. I am attaching documents with evidence that I was sick and have XXXX along with a handwritten letter from my XXXX.

this debt is from when I was sick.

please remove for I can start fresh

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-17 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: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX I was informed that my Regions credit card account was in default for several months, even though a had set up the automatic bank debit feature, as all other accounts in my possession, the bank account was not debited and they reported me to the credit reporting agencies lowering my score considerably. On XX/XX/XXXX, I called the company and talked to four different people and was transferred four times, this took over an hour, it was impossible to reach the right department. Proceeded to place another complaint through the web page and they are not responding again.

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 2019-11-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: HSBC NORTH AMERICA HOLDINGS INC.

Complaint narrative:
Im a woman in XXXX XXXX, so this is the wrong place to make a complaint. 
However, out of despair for being stuck in a city that has recklesly abused me discriminated, harassed me, due to various indiviudals and a former corrupt mayor. 

I recently opened a HSBC bank account, they were rude, something odd was going on have had some media and an ex, his friend sister works for XXXX PR XXXX XXXX Im not sure, but she might have been contacting my bank to mess with me, leaking my bank account data and other security data. A shopping center and various other companies have gotten full access of my data, the HSBC bank in XXXX XXXX might have disclosed all of my data. The police wont help and they are very corrupt in this city, the FCA haven't helped much. Its caused me a lot of distress, hackers have also been targeting me. Is there another organisation that I can contact?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: NM

Complaint narrative:
On XX/XX/XXXX I set up a settlement agreement ( Document # XXXX ), with American Express Global Collections on the remainder of our American Balance of {$15000.00}. The agreement was for me to pay {$9900.00} with the last payment of {$400.00} due on XX/XX/XXXX. I have been paying on the balance as agreed and as of XXXX the remaining balance due was {$6100.00}. I made arrangements on the phone with AE on XX/XX/XXXX and on XX/XX/XXXX we paid the full remaining balance online of {$6100.00}, ( Confirmation # XXXX ). The settlement agreement letter states ; Upon receipt and clearance of payment for the full settlement amount, no further attempts will be made to collect the remaining balance. This morning, XX/XX/XXXX I received notification from the USPS that I had a letter from American Express coming today. I assumed that the letter would be an acknowledgement that the settlement agreement was followed as agreed and American Express was providing me documentation that the agreed settlement amount was paid in full and all debts settled with American Express. The letter I received today, ( XX/XX/XXXX ), from American Express was dated XX/XX/XXXX and appears to have been mailed from NJ. The letter states that they have turned over our account to a collection agency called XXXX XXXX XXXX XXXX. The balance they show I owe is {$12000.00}. The balance does not credit the {$6100.00} we made on XX/XX/XXXX. The remaining balance is the amount that American Express agree to forgive if I paid the settlement agreement in full which we did on XX/XX/XXXX early as the last payment of {$400.00} was not due until XX/XX/XXXX. I called up the American Express Global Collections department, ( XXXX ), who told me the file was no longer in their office and told me to call customer services at XXXX. Customer service told me to call the collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I have asked Comenity Bank several times to stop contacting family members, but they do so constantly. My entire family is contacted frequently. My girlfriend 's family has been contacted as well. I receive more than 20 calls per day from Comenity Bank. When I answer, I am asked over and over to pay the full amount which has ballooned because of a single missed payment. It is harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-17 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: IL

Complaint narrative:
I disputed an Bankruptcy on my Credit File with Experian, and the ending results they admit to violating the Fair Credit Reporting Act. The information they received was incorrect and also obtained illegally from a third party.

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 2019-11-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: NY

Complaint narrative:
I had become mentally ill and sick with XXXX. I XXXX and couldn't tell what was real and what was fake. I soon lost my job and went homeless and lived in XXXX XXXX and I use all my credit cards to survive. I was homeless and XXXX for 2 years until my family found me and got me help. I been on my medicine for 2 years and finally feeling like my self again.. I am attaching documents with evidence that I was sick and have XXXX along with a handwritten letter from my XXXX. 

please remove off credit report. This debt is from when I was sick

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I had become XXXX XXXX  and sick with XXXX. I XXXX  and couldn't tell what was real and what was fake. I soon lost my job and went homeless and lived in the XXXX and I use all my credit cards to survive. I was homeless and XXXX  for 2 years until my family found me and got me help. I been on my medicine for 2 years and finally feeling like my self again.. I am attaching documents with evidence that I was sick and have XXXX along with a handwritten letter from my XXXX. I am requesting all derogatory marks from the year 2015 and up to remove off my credit report because I could not make financial decisions.

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 2019-11-17 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: FL

Complaint narrative:
On XX/XX/XXXX I was informed that my XXXX credit card account was in default for several months, even though a had set up the automatic bank debit feature, as all other accounts in my possession, the bank account was not debited and they reported me to the credit reporting agencies lowering my score considerably. On XX/XX/XXXX, I called the company and talked to four different people and was transferred four times, this took over an hour, it was impossible to reach the right department. Proceeded to place another complaint through the web page and they are not responding again.

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 2019-11-17 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: AMERICAN HONDA FINANCE CORP
State: OH

Complaint narrative:
XXXX XXXX- XXXX XXXX XXXX was repossessed. 
XXXX XXXX - XXXX XXXX XXXX was sold at auction. 
American Honda Financial failed to provide the following documentation to the consumer according to Ohio repossession laws : 1. Notice of Repossession 2. Written notice of loan default 3. Notice of Sale 4. Written notification to the purchaser of subsequent responsibility for any deficiency remaining after the sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I had 16 months of exceptional payments with Capital One Bank and I sent a goodwill letter because I was going through hardships and I couldn't pay it on time. Despite sending the goodwill letter Capitol One Bank still wants a payment. I paid a settlement amount of {$280.00} in full and I spoke to a representative from the collection agency and kindly asked them to delete the negative reports on my credit report they refused to do so. This is unfair practice and after making a full payments this deragotory item remains. This is hurting my ability to get credit I need help to get this removed off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
XX/XX/2017 {$720.00} PLACED FOR COLLECTION XXXX XXXX COMPAN ORIGINAL CREDITOR XXXX XXXX XXXX FRAUDULENT 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 2019-11-17 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: LEXISNEXIS
State: IL

Complaint narrative:
I disputed an Bankruptcy on my Credit File with XXXX, and the ending results they admit to violating the Fair Credit Reporting Act. The information they received was incorrect and also obtained illegally from a third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-17 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: OH

Complaint narrative:
XXXX XXXX- XXXX XXXX XXXX was repossessed. 
XXXX XXXX - XXXX XXXX XXXX was sold at auction. 
XXXX XXXX XXXX failed to provide the following documentation to the consumer according to Ohio repossession laws : 1. Notice of Repossession 2. Written notice of loan default 3. Notice of Sale 4. Written notification to the purchaser of subsequent responsibility for any deficiency remaining after the sale.

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 2019-11-17 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: SC

Complaint narrative:
Around XX/XX/XXXX received completed compliant from XXXX. Citimortgage closed two accounts my mortgage. I still paying mortgage just to a different PAYMENT Center is all. I've refinanced twice to lower interest rate. Citimortgage retained mortgage all this time Since XX/XX/XXXX .All they ever done was changed Account number. But Citimortgage has been lien holder all this. Since XX/XX/XXXX when went to purchase a ovehicle found out about credit Report. I never filed bankruptcy on Citimortgage.

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 2019-11-17 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem adding money
Company: Netspend Corporation
State: OH

Complaint narrative:
I bought a prepaid card from paypal at XXXX and put XXXX on the card. they said I could use the card as soon as I got home that it was loaded got home.I tried to use it and it was declined. I called the number to activate card no one answer the phone. I keep calling next day. the number on the card is XXXX it say can not take the call at this time. Two weeks later I get a card in the mail and the same thing again. all I want is my money back. the reason I got the card for is over and I lost what I want to buy.

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 2019-11-17 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: MO

Complaint narrative:
XX/XX/2017 {$720.00} PLACED FOR COLLECTION XXXX XXXX  COMPAN ORIGINAL CREDITOR XXXX XXXX XXXXXXXX FRAUDULENT 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 non-monetary relief
Consumer complaint received 2019-11-17 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: NY

Complaint narrative:
There are two inquiries that have already reached their retention time and Experian refuses to remove them.

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 2019-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There are collections accounts in my profile with credit bureaus that can not provide proper debt validation based on sec 609 and 623-b of the fcra and 807-8 of the fdcpa after requesting signed contracts with these companies this affects my overall status of living and could result in civil penalties therefore I'm seeking immediate relief

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 2019-11-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There are collections accounts in my profile with credit bureaus that can not provide proper debt validation based on sec 609 and 623-b of the fcra and 807-8 of the fdcpa after requesting signed contracts with these companies this affects my overall status of living and could result in civil penalties therefore I'm seeking immediate relief

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 2019-11-17 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: EQUIFAX, INC.
State: GA

Complaint narrative:
There are collections accounts in my profile with credit bureaus that can not provide proper debt validation based on sec 609 and 623-b of the fcra and 807-8 of the fdcpa after requesting signed contracts with these companies this affects my overall status of living and could result in civil penalties therefore I'm seeking immediate relief

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-17 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: PENNYMAC LOAN SERVICES, LLC.
State: WA

Complaint narrative:
In XXXX of 2019 my mortgage jumped {$750.00} without explanation or notification from PennyMac. I was told some estimated taxes were recalculated and my homeowners insurance increased. They recalculated my taxes over the phone and the monthly payment dropped by {$440.00}. I was told to wait to pay my payment until I called XXXX ( homeowners insurance ) to see why my monthly premium increased. I contacted XXXX and the issue was resolved. PennyMac told me it would take 7 business days before PennyMac and XXXX communicated and the issue would be resolved. This took us in to XXXX and I still had not heard from PennyMac, so I called them. They initiated a 3-way call between XXXX, PennyMac, and me. Everyone communicated and the issues were solved. At the end of the call I paid the corrected amount for XXXX. 

Fast forward a couple weeks and I get a notification that my credit score dropped significantly because PennyMac reported me late on my XXXX mortgage payment.

A subsequent phone call started the process of correcting the error. The following day I received a call from PennyMac stating they made an error and they would be refunding the late fee I was charged for XXXX. The call was cut short but I did not get an answer about the incorrect reporting to the various credit bureaus. When I called back I was told if they were to go back and report that they incorrectly reported me late, it would be a big deal, and negatively impact their company. 

I need help correcting this error, because PennyMac refuses to fix it, and I'm just one person against a multi-millions dollar company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-17 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: MS

Complaint narrative:
Fraudulent hard inquiries on credit report and they want remove them Hard inquiry - XXXX XXXX XXXX   XX/XX/2019 -- -- -- XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-17 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: SC

Complaint narrative:
Around XXXX XXXX XXXX received completed compliant from XXXX. XXXX closed two accounts my mortgage. I still paying mortgage just to a different PAYMENT Center is all. I've refinanced twice to lower interest rate. XXXX retained mortgage all this time Since XXXX .All they ever done was changed Account number. But XXXX has been lien holder all this. Since XX/XX/XXXX when went to purchase a ovehicle found out about credit Report. I never filed bankruptcy on 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 2019-11-17 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: SC

Complaint narrative:
Around XXXX XXXX 2019 received completed compliant from XXXX   XXXX closed two accounts my mortgage. I still paying mortgage just to a different PAYMENT Center is all. I've refinanced twice to lower interest rate. XXXX retained mortgage all this time Since XXXX .All they ever done was changed Account number. But XXXX has been lien holder all this. Since XX/XX/XXXX2019 when went to purchase a ovehicle found out about credit Report. I never filed bankruptcy on XXXX.

Company response to consumer: Closed with explanation