vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: DISCOVER BANK
State: FL

Complaint narrative:
discover offer my, one year 0 interest with 2 % fee transfers, my bank XXXX XXXX offer my same offer, I decided transfer to my bank, my bank pay to discover {$5000.00} dollar for the total, but '' discover charge another {$5000.00} dollar, total {$10000.00}, after 2 month and many time to call all and they toll me they send a check to my home, that is 2 month ago, discover continuable lying to me and not send any check, they damage mi credit, my My score credit was XXXX, now for this problem is down to XXXX, discovery doing this action wend someone no continue used they credit card after the one year offer. I Ready speaking with a supervisor name : XXXX : phone : XXXX XXXX XXXX, same problem, lying to me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Webcollex, LLC
State: OH

Complaint narrative:
This company CKS Financial has been calling my number but I do not know them and I do not owe them for anything and I do not know anything about any relatives debt etc., with them. CKS call everyday all day long until I have to turn off my phone to stop the disturbance. I do not want to talk to them because if they look to see who this phone is registered to they would know they have they wrong person..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
I have a collection for my daughter that I am actually trying to pay. I got in touch with someone once and was told that I needed to talk to someone else and was hung up on. Nobody answers either phone numbers that I am trying to call and this is affecting my credit score. I have been habitually trying for a month to get an account number or something. Even in their XXXX reviews people are complaining of the same problem. Ive called the number XXXX and XXXX Horrible company that can answer the phone

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-13 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: MI

Complaint narrative:
I sent letter to the credit bureau requesting info on a bankruptcy that was on my report. I ask for the source. Their response was XXXX XXXX. I proceed to XXXX XXXX, they deleted the bankruptcy from my credit report. So, then I sent another letter to credit bureau with a copy of the deletion. They didn't reinvestingation the credit bureau just stated that it was verified. But it can't be verified thru XXXX XXXX or the court hous.

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 2021-09-13 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Without missing any payment when trying to refinance Bank of America who was servicing a loan from XXXXXXXX XXXX XXXX  could not refinance because there had not been a release of lien from previous lender XXXX XXXX. Once I had acquired and negotiated we were able to have XXXX XXXX XXXX the lien. Bank of America and their servicer XXXX used illegal filed documents and foreclosed and sold our property we had a release of lien on and did all this against a consent judgement from CFPB and now have been filing RICO complaints against me for seeking arbitration and getting an arbitration award. When does this abuse stop. The consent judgement they agreed to alll the while they were illegally foreclosing on a property that had a release filed into the public record. Now they filed RICO which was dismissed now they filed another one this month changed the story a little and came back again. This is malicious abuse of Civil Procedure and is against the CFPB consent order. Are you guys going to do something against these services lenders.

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 2021-09-13 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: IL

Complaint narrative:
Fraudulent reporting on behalf EQUIFAX ; 15 U.S.C. 1681b - Permissible purposes of consumer reports ; In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 US Code 1611- Criminal liability for willful and knowing ; Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am XXXX XXXX XXXX and I am forwarding this complaint myself. There is no third party involved in this request. Regardless of the numerous written requests, the uncertified inquiries listed below are still reporting on my credit report in violation of Federal Law. Equifax Credit Bureau failed to follow with Fair Credit Reporting Act, 15 USC sections1681i within the period stated by law and pursued reporting of uncertified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 
XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Management Corporation
State: SC

Complaint narrative:
I was sent a collections notice in reference to a medical debt from Receivable XXXX. Ive never received a bill. The bill has been resolved, but receivable XXXX is staying they will not remove it from my credit report. It is a hippa violation to sell my medical information to anyone. They are reporting the medical office it is from and that is my personal business where I receive medical care.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: UT

Complaint narrative:
Person Called claiming to be apart of the CBE Group trying to collect a medical Debt for my child that is fully covered under XXXX. Tried saying it was for a hospital in a location that he has never been. They were trying to get a lot of information that did not pertain to my child like my social, DOB, Address. They also refused to answer any of my questions when I wouldnt give them my info and then they just hung up on me. Now I continue to get random calls from different number and when I answer I get no one on the other end. When I call back it takes me to the CBE group number. Very annoying.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Filed a dispute in regards to the incorrect items on my credit report and it has been over 30days and i have not received any investigation results.

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 2021-09-13 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2021-09-13 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2021-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Absolute Resolutions Corp.
State: CA

Complaint narrative:
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that ABSOLUTE RESOLUTIONS would verify the debt. So I took it upon myself to ask ABSOLUTE RESOLUTIONS for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
I am disputing a charge with my credit card company in the amount of {$120.00}. I made the dispute onXX/XX/XXXX and to date, they have still not made a temporary credit on the account while they investigate. I have called numerous times trying to get an update and no one can provide me information. I have asked for a manager to call me back and they do not. I have followed up with supporting documentation via fax and still no responses by Barclays Bank. They are not handling as they should.

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 2021-09-13 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
USAA has been sent documents relating to this for the past 6 months and still chooses to report 2 accounts on my credit on XXXX that arent mine. I want these removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: PNC Bank N.A.
State: FL

Complaint narrative:
Recieved a text from ( XXXX ) XXXX FRM : PNC Bank Debit Frozen SUBJ : Contact XXXX MSG : : XXXX I am assuming this is a scam since I don't have a PNC account XXXX I have not " contacted '' the XXXX number

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
i keep trying to get a hold of customer service for Navient because i want to make a pmt and i cant login in the website. there is no way of me getting a hold of a live person to speak to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 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: DISCOVER BANK
State: GA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
On XX/XX/21 I requested a new debit card after attempted fraud transactions on my old debit card. On XX/XX/21 I contacted the bank and advised I still had not received my debit card and needed access to the funds in my account. I was told I could not access new funds and that I could request a new expedited card for a {$15.00} fee. It's unfair to deny access to funds and then charge a fee to expedite their own process I lost my job because I couldn't access funds I needed to get to and from work

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 2021-09-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc.
State: AL

Complaint narrative:
I received information from you attempting to collect the above-listed alleged debt.Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Where is my signed HIPPA form? I am aware that you have directly violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form to authorize your company to have access to my medical records or procedures that I went through. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Paradigm Assets, LLC
State: FL

Complaint narrative:
jhpde is a debt buyer who purchased my XXXX account. The account was listed in a ChXXXX in late XX/XX/2021 and the stay is still in place. Creditor 's agent acknowledges the BK. XXXX has direct or constructive notice of the BK and willfully reported a collection on my XXXX XXXX report causing a 109 point drop in my score on XX/XX/2021. I am in the process of assuming a mortgage and will not be able to because of this. They have not responded to my attempts to contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 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: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Long & Foster Financial Services, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX, I was notified via email from XXXX XXXX that my XXXX mortgage payment was not made. I responded to that email indicating it was paid and I have receipt from their payment vendor that it was paid, however, I do not disclose sensitive information via email and asked for a callback. No response to my email. I then called the servicing department multiple times and the call is not answered. I left voicemails that went unreturned. I called another department with Prosperity Mortgage and got someone on the phone twice. The first person stated that there was no manager available and then hung up on me. The second person said no manager was available and tried to call servicing but no one answered for her either. Im trying to clear this matter with Prosperity before something is erroneously recorded on my credit but I am receiving no help from Prosperity in doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 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: TX

Complaint narrative:
On XX/XX/2019, XXXX XXXX XXXX add a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/ sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was No written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, XXXX XXXX XXXX has violated my rights as a consumer and Im requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern, and I requested a complete payment history of this account for me to review the exact date on which the collection was posted. There was definitely an error on their part. The bureaus are condoning illegal behavior and willfully in violation of FCRA. REMOVE IT FROM MY REPORT IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief