vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-28 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: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Credit card a insurance and was paid and still remains in collection

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: FL

Complaint narrative:
This debt don't belongs to me.It was a product of identity theft and I demand that it be block and or deleted from my consumer report. 15 U.S.CODE 1681c-2 Block of information resulting from identity. 
This is my second complaint with this company [ XXXX XXXX ] about the same issue. 
XXXX # XXXX. 
XXXX {$9000.00} This is a fraudulent Account made by someone other then me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-28 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I filed a dispute for an unauthorized charge on XX/XX/21 for {$5000.00} to sears Home Improvement account. I provided all infromation required and have followed up with the credit card. I was initially informed it would be resolved within XXXX billing cycles after the complaint was filed, however has been over 90 days and the credit card company has not resolved it. They keep on telling me that the merchant, who made the unauthorized charge has not responded and that I have to wait until they reply. As mentioned before, ti has been over 90 days since the complaint was filed, today is the 93 day and this has not been resolved. As per federal law, it is my understanding that if it is not resolved within this time period, then I am not responsible for the charge.

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 2022-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 


In accordance with the Fair Credit Reporting act XXXX XXXX Account # ending in XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Payment reported lated 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 2022-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian has dropped my credit score by 70 points in one month. I pulled credit report with them and XXXX there isnt anything that has changed in months. Cant get thru to anyone to talk to. So I would like some 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 explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Consumer Adjustment Company Incorporated
State: TN

Complaint narrative:
I am a XXXX XXXX XXXX adult who has lived away from home for more than a decade, but XXXX XXXX sent a letter to my parents ' address to try to collect a 4.5 year old medical debt that was never known to me. They said that they would accept 90 % of the original debt and consider it settled or report it negatively to credit bureaus if I didn't comply, but I was never informed of the original debt nor was my insurance ever billed for it. My attempts to contact the original medical facility to inquire about the debt went unanswered as the establishment does not seem to exist and I have no record or recollection of ever receiving services with a provider affiliated with XXXX XXXX Providers. After repeated harassing phone calls by this collections agency, I sent them a certified letter asking them to send me back a certified letter to explain that they were in compliance with HIPAA and had my signature on file to view my medical information, to verify the debt, and to stop calling me. This letter was delivered to their office on XX/XX/2021. The company never responded to this certified letter, never verified the debt, and has continued to call despite my explicit request not to contact me in this manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 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: EQUIFAX, INC.
State: CA

Complaint narrative:
My personal information was obtained without my consent and used to acquire goods and services without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In reviewing my credit report, I suddenly I notice that there was an error. The report is not 100 % accurate and would like your agency to take an action. I listed below the item with discrepancy : XXXX XXXX / XXXX / {$0.00} XXXX  / XXXX / {$0.00} XXXX XXXX XXXX  / XXXX / {$0.00} XXXX XXXX XXXX / XXXX / {$0.00} XXXX XXXX XXXXXXXX / XXXX / {$0.00}

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 2022-03-28 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In reviewing my credit report, I suddenly I notice that there was an error. The report is not 100 % accurate and would like your agency to take an action. I listed below the item with discrepancy : XXXX XXXX / XXXX / {$0.00} XXXX / XXXX / {$0.00} XXXX XXXX XXXX / XXXX / {$0.00} XXXX XXXX XXXX / XXXX / {$0.00} XXXX XXXX XXXX / XXXX / {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: NC

Complaint narrative:
loan care which is my mortgage company through my va loan, put me in forbearance upon my request for 60 days. however, they keep sending me letters asking for my missed XXXX payment of 2022. i dont know why they keep asking me for this whenever they put me in forbearance. they also told me they cant help me in regards to me being a XXXX vet with no job and if the issue arises to where im no longer able to pay the mortgage to them. i am a XXXX veteran and i am permantely and totally XXXX through the va as well and that means i cant work. i am requesting assistance in getting the loan paid off as much as they can help me with it

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 2022-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
They double charge wireless, even if sender covers and payment received is lower. Not only are their fees much higher but they charge them anyway on a no fee charge. Double dipping is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
I wanted XXXX guards for my newly purchased home. I called XXXX  Filters ( whom I thought was using a loan company ) We agreed to 12.9 % XXXX. After signing the papers, I discover WELLS FARGO is the loan company. Then find out this a CREDIT CARD specifically for home improvement. I worked for other banks, but Wells Fargo is the bottom of the basket after the Credit Card scams uncovered. After getting settled in, and having issues with my plumbing... i looked at the paper statement and wondered why the balance was not going down. My payments {$110.00} per mo, but I pay, {$120.00} from the start to get it paid off faster. ( I planned to pay more as I got better situated ) I noticed I am being charged {$75.00} per month. I called XXXX XXXX, got a supervisor, after not being satisfied with the reason my interest is so high. XXXX, tried to explain, and kept putting me on hold ... XXXX min later and a snow job, she didn't eve know to explain she says look on last page and I will see how my XXXX is being process. Not XXXX but and XXXX as if i took CASH from a credit card. My first page list me paying at 12.9 %, but last page is XXXX XXXX XXXX in a XXXX day cycle.

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 2022-03-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ERC
State: TX

Complaint narrative:
I got mail from XXXX XXXX XXXX XXXX attempting to collect a debt of {$4500.00}. I have never in my life had XXXX XXXX XXXX so this is obviously a mistake or fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 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: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
I sent every company letters disputing all the alleged debts and delinquent accounts. According to the Fair Credit Reporting Act section 609 and 611 all of these accounts should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act convergent account number XXXX has violated my rights and it has code 15USC1681 Section 602A, states I have the right to privacy. 15USC1681 section 604A Section 2, also states a consumer reporting agency can not furnish a accounts without my written instructions. 
Acct # XXXXXXXX XXXX XXXX XXXX openXXXX chg off/closed XX/XX/XXXX shows activity XXXX- XX/XX/XXXX shows XXXX XXXX XXXX XXXX XXXX XXXX XXXX of {$3.00} XXXX XX/XX/XXXX XXXX On XXXX  shows different date closed XX/XX/XXXX. XXXX owed {$910.00} this is not my acct. The same acct also shows as a XXXX XXXX XXXX XXXX # XXXX status date XX/XX/XXXX owe {$1100.00}. This is incorrect information and a violation fo the law. This is not my acct. please remove from my file. XXXX # XXXX open XX/XX/XXXX chg off/closed last pmt. XX/XX/XXXX closed XX/XX/XXXX chg off/closed Owe {$3100.00} this is not my acct. XXXX # XXXX XXXX XX/XX/XXXX XXXX off/closed last pmt. {$100.00} XX/XX/XXXX pmts. XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX of {$100.00} and closed XX/XX/XXXX this is illegal these dates are bogus. XXXX  # XXXX shows {$270.00} & {$300.00} open XX/XX/XXXX not my acct. XXXX XX/XX/XXXX XXXX not mine I did not authorize this. Please remove these incorrect items from my file. It's causing harm to my credit life.

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 2022-03-28 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: AMERISAVE MORTGAGE CORPORATION
State: GA

Complaint narrative:
Amerisave Mortgage did not notify me that my COVID-19 forbearance plan was coming to an end and to discuss available options, if any. I found out by calling their customer service who informed me. So I requested a loan modification package which Amerisave said I should complete before XX/XX/XXXX. I completed and sent all the required documentation to them on XX/XX/XXXX. I received a letter from Amerisave via their portal on XX/XX/XXXX that I was missing on more item which was a copy of my XXXX - XXXX. I immediately uploaded it on the same day, XX/XX/XXXX and haven't received any other document requests. I've been calling their service line nearly every day to find out if my file is complete and being reviewed for a loan modification or other available options, or if they are flat out denying me an option. Their letters also stated that they would not file foreclosure on my property as long as my application was deemed complete and under review or they denied me and offered an appeal period. To date, they will not respond, but their attorneys have sent numerous foreclosure letters to my home.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 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: GA

Complaint narrative:
This Credit bureau is reporting an account that needs to be removed immediately from my credit report. A XXXX XXXX account should NOT be on my credit report as it is a fraudulent and inaccurate account. I have filed a complaint with CFPB that did not get resolved. 

THIS INACCURATE CHARGED OFF XXXX XXXX ACCOUNT IS TO BE REMOVED FROM MY CREDIT FILE IMMEDIATELY OR FURTHER LEGAL ACTION WILL BE TAKEN. 

Last XXXX digits of my SSN : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 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: SC

Complaint narrative:
I have repeatedly sent in disputes about inaccuracies on my consumer reports. Those accounts are not accurate and the inquires are not mine and i have sent in an identity theft report also. I have ask for proof to support why they haven't removed or changed these accounts, and i never get any proof. I Also sent them a letter on XXXX XX/XX/2022 and still haven't got any results back yet. which an investigation should take 30days to complete. This is very stressful, and I'm also contacting the CFPB ombudsman for i feel no accountability is being taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 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: CAVALRY INVESTMENTS, LLC
State: PA

Complaint narrative:
continues to show Delinquent account on credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: BANK OF THE WEST
State: MO

Complaint narrative:
This is the third month my bank has been charged for seven overdrafts even though it was only suppose to be one. I attempted to correct it before hand and they would not allow me, they say they where informed by a hire up to do this to my account. Also this same bank has disable other accounts attached which i could have tranfered from to correct this issue. This has lead my account to overdraft for about {$4000.00} worth which have caused my living situation to be henderd. I ask if possible can the bank correct this mishaps and fire everyone who was involved in causing my account to be abused. 2022 Bank of the West | NMLS # XXXX | Member FDIC | Equal Housing Lender Doing business in South Dakota as Bank of the West California, Also the account is not private when going in threw my home computer!

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 2022-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 


In accordance with the Fair Credit Reporting act XXXX XXXX Account # ending in XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Payment reported lated 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 2022-03-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
Applied for and paid fees for PMI removal process and can not get any straight answers about the process and all agents hand up on us and do not move this request forward. Has been ongoing for more than XXXX weeks. Also paid the fee and see that its been posted to account for PMI removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with overdraft — Overdraft charges
Company: Paypal Holdings, Inc
State: AL

Complaint narrative:
I have had a PayPal XXXX XXXX  I left a negative or a XXXX balance on it because I was no longer going to use the card and there was a couple of accounts that I was paying with that card that I wanted also to cancel it so in order to cancel I just was going to let him go ahead and try to run charge on the card it would decline it and then that would close out the account with XXXX or something with XXXX well this was a XXXX XXXX PayPal and what they decided to do was when I XXXX  ran the charge they went ahead and paid it and they wanted me to pay for it two years now they have been hounding me for this money and I kept telling them I didn't ask for them to give me credit this was a cash card I'm just using it for when I have the money to pay the stuff I left a negative about a XXXX balance so that way when these other accounts try to charge the money wouldn't be there the account would been closed and I move on well I don't know because if I try to use that card for groceries or gas, something else, they wouldn't give me {$20.00} credit for that but being it was with XXXX they went ahead and paid it and have been hounding me for the money now they've turned it over to collections to scar my credit over {$28.00} that I could pay but out of sheer principal of them doing that, without me being able to get credit from them for anything else other than XXXX which is which is XXXX so it's it's wrong it's wrong and I'm reporting it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Dovenmuehle Mortgage, Inc.
State: PA

Complaint narrative:
I was discharged in a bankruptcy inXX/XX/XXXX. SXXXX XXXX is saying I owe mortgage payments from XXXX, XXXX, XXXX XX/XX/XXXXwhen those payments were paid. They reversed the 4 mortgage payments and applied them to XXXX XXXX Fees. I have been requesting information sinceXX/XX/XXXX and have gotten absolutely no concrete answers on the process of their payment postings, nor what the charges or fees they are claiming. I have constantly been transferred from the " Bankruptcy Dept '' to the " Consumer Loan Dept '' to the " Colle ctions Dept '' to the " Loss Mitigation Dept '' over and over again since XX/XX/XXXXattempting to resolve this issue. When I finally get an e-mail from their " Research Dept '', they are now claiming even more money by taking 4 of my mortgage payments for " fees and costs '' associated with my bankruptcy but with no documents showing where my money was applied to. It is now going on 7 months of no resolution with this bank. I keep getting several different answers/responses with no documentation to prove what they are saying. They have reversed {$2100.00} of what I paid in mortgage payments with NO Notification that they applied those monies elsewhere. Therefore, they are claiming I was late on payments and have charged late fees, caused my credit rating to fall even lower after a bankruptcy discharge. 
I feel this " bank '' is dishonest, continually passing me to one department to another without giving proof on what they have done with my mortgage payments and therefore accusing me of being behind on payments. As of XX/XX/XXXX, I still have not been able to resolve this issue.

Company response to consumer: Closed with explanation