vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-02 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: IN

Complaint narrative:
I've recently reached out to Portfolio Recovery regarding two accounts that appear on my report for the amounts of XXXX and XXXX. They were placed on my report XX/XX/XXXX and XX/XX/XXXX, respectfully. I've made contact via certified mail on numerous occasions, requesting hard proof that these accounts belong to me and their only response each time has been sending me copies of billing statements. They've sent nothing that has my signature or tying me to the accounts I am questioning. I've stated I have no knowledge of these accounts, but their reply has been the same on at least four occasions. My most recent letter stated to them that I would file a complaint for not sending me the proper information. They have yet to comply and it's drastically impacting my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 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: GA

Complaint narrative:
I have tried to rectify several errors and fraud accounts with all 3 credit agencies and I need your assistance in getting this done. The following items does not belong to me and is reporting incorrectly on my credit file : The following account is not mine : - XXXX XXXX XXXX - {$1000.00} ; Date Opened : XX/XX/XXXX - XXXX XXXX  XXXX - {$1900.00} ; Date Opened : XX/XX/XXXX The following account are reporting incorrect late status : XXXX XXXX - {$0.00} ; Date Opened : XX/XX/XXXX ; I was never 30 days late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, or XX/XX/XXXX XXXX - {$6400.00} ; Date Opened : XX/XX/XXXX ; I wasn't 30 or 60 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, or XX/XX/XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 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 tried to rectify several errors and fraud accounts with all 3 credit agencies and I need your assistance in getting this done. The following items does not belong to me and is reporting incorrectly on my credit file : The following account is not mine : - XXXX XXXX XXXX - {$1000.00} ; Date Opened : XX/XX/XXXX - XXXX XXXX XXXXXXXX - {$1900.00} ; Date Opened : XX/XX/XXXX The following account are reporting incorrect late status : XXXX XXXX - {$0.00} ; Date Opened : XX/XX/XXXX ; I was never 30 days late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, or XX/XX/XXXX XXXX  - {$6400.00} ; Date Opened : XX/XX/XXXX ; I wasn't 30 or 60 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, or XX/XX/XXXX XX/XX/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 2020-12-02 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: WA

Complaint narrative:
I have sent proof to this credit bureau 2. First time they stated my information on license and social did not match my address. I received a new license with updated address and they sent the response again. I believe it only fair since they will not take the proper steps to investigate and are giving me false responses that the accounts in dispute be deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pendrick Capital Partners
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX. XXXX XXXX, XXXX, MN XXXX. This company you stating that I have a balance of {$1300.00} with creditor pendrick capital partners.. I do not owe this debt. I requested validation of debt and all this company has sent us a verification with an invoice. Nowhere is there a copy of my signature anywhere. I want to report this company is violating my rights under the FCRA as a consumer. I want them to update all three credit bureaus if they have a negatively impacted my character, which could be considered defamation of character,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
Radius global solutions LLC located at XXXX XXXX XXXX. XXXX XXXX, XXXX, MN XXXX. This company you stating that I have a balance of {$1300.00} with creditor XXXX XXXX XXXX.. I do not owe this debt. I requested validation of debt and all this company has sent us a verification with an invoice. Nowhere is there a copy of my signature anywhere. I want to report this company is violating my rights under the FCRA as a consumer. I want them to update all three credit bureaus if they have a negatively impacted my character, which could be considered defamation of character,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 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: FL

Complaint narrative:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 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:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 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: Shellpoint Partners, LLC
State: AZ

Complaint narrative:
Company continues to threaten me and this account has been reported inaccurately. This account has never been on credit report and my information was passed by company to company multiple times without my consent. I want this removed from all three credit bureaus immediately and for them to stop harassing me. I lost my job due to covid layoffs and have lost family members and this continues to add stress.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE KNOW IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 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: TX

Complaint narrative:
XX/XX/XXXXXXXX - NEVER LATE XXXX Paid, Closed. 
XX/XX/ XX/XX/XXXX - NEVER LATE XXXX Transferred, closed. 
XX/XX/ < -- -- ALL accounts NEVER LATE. FCRA Violation. How is this late? I've always paid on time. Why was I never notified if I was late? Should I sue? 


-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX, XX/XX/XXXXXXXX < -- ADDRESSES Listed are NOT MINE. FCRA Violation. NOT reporting my data in my report accurately also.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
XX/XX/XXXX, XXXX purchased my mortgage from Ditech. 

XXXX XXXX, Loss Mitigation Specialist, Shellpoint Mortgage Servicing ( XXXX ) XXXX ( Direct ) In XX/XX/XXXX - I had filed for Bankruptcy, it was approved. I did not include the home in my filing. 

My Mortgage payment has always been {$1100.00} a month. I have never missed one payment! My payments were and continue to be paid through my bank - XXXX. 

I never escrow my taxes and have always paid my property taxes through my bank XXXX as it goes directly to the XXXX County Treasurer. 

Over the past two months, I have received two calls from Shellpoint, called back out of courtesy and get the run around. We can't talk to you! The Bankruptcy Attorney sent the letter in XXXX ( attached ), still Mr. XXXX refuses to speak to me! 

I had requested a Loan Modification, received the packet from the Attorneys Office ( it was not sent to my home ) .. it came late, I notified Shellpoint about it and told them I needed to review it.. Then signed and sent it back. Not hearing from them - I made the first Loan Modification for {$1100.00} on XX/XX/XXXX and have continued to date - UNTIL XXXX emailed me today and said XXXX has refused my payment! 

As stated and can back this up - I have never missed a mortgage payment and can't believe the way this mortgage company works! I work for the XXXX XXXX XXXX XXXX and take calls from consumers about these types of practices! Never thought I would have to deal with it! I am looking to refinance after my bankruptcy clears! 

Shellpoint has made life stressful - just for the fact they play with your mind and leave you guessing! 

This is not the way to do business! 

I am attaching the emails of XX/XX/XXXX through today, and a the same actions another consumer had just gone through with Shellpoint! 

I would appreciate scheduling a call with someone from your office & Mr. XXXX. 

I would like to hear him explain his actions to the Government! 

Thank you XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 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: TX

Complaint narrative:
XXXX  XXXX XXXX  XXXX - NEVER LATE XXXX Paid, Closed. 
XX/XX/2017 XXXX  - NEVER LATE XXXX Transferred, closed. 
XX/XX/2017 < -- -- ALL accounts NEVER LATE. FCRA Violation. How is this late? I've always paid on time. Why was I never notified if I was late? Should I sue? 


-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX, TX XXXX < -- ADDRESSES Listed are NOT MINE. FCRA Violation. NOT reporting my data in my report accurately also.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/2020, I sent a letter requesting Transunion verify an account on my credit report. I specifically asked them to verify the Date Closed. I received a response to the verification request recently. The report states that they both " VERIFIED AND UPDATED '' the account in question. 

After careful review of the account, I found that the data entry for " Date Closed '' did not match my records. 

This matter should have been handled upon the initial request and this account is hurting my credit report and scores.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 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: TX

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: VA

Complaint narrative:
I purchased a home through PRMG. Throughout the purchase process I was told my PMI would be about {$60.00}. When I received my Closing Disclosure XXXX XX/XX/2020 XXXX for the 3 day review period before closing, my Closing Disclosure stated that my PMI would be {$60.00}. On my actual closing day ( XX/XX/2020 ) PRMG provided my settlement agent with a Closing Disclosure the day of the closing for {$73.00}. I signed the document as all the information looked similar to what I was provided and I knew small changes may occur.

After comparing the final disclosure with the one I reviewed prior to signing I noticed a significant difference in PMI. This is change of an additional {$13.00} on a a mortgage payment ( principal + interest ) of roughly {$630.00}. I reached out to the PRMG representative I was doing business through and he agreed it was a significant difference and that PRMG made a mistake. PRMG input incorrect information when getting the {$73.00} PMI number. He told me that the situation would be resolved. My realtor and I have contacted PRMG about this multiple times and been told that it was going to be fixed. It has now almost 3 months since my closing and I have made two mortgage payments and still there is no resolution. 

In summary, PRMG changed my loan terms to increase costs on the day of my closing. Promised it was a mistake and it would be fixed and has yet to do so nearly 3 months later.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-02 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ALLY FINANCIAL INC.
State: OK

Complaint narrative:
XX/XX/2020 third party collector called and hung up in my face from a local telephone number. Contacted them back by being transferred through Ally Bank automated system to advise them that I had GAP coverage and that the almost {$13000.00} balance shouldve been directed back to the manufacturer or dealership ; the collector wouldnt listen and told me to go back and contact the dealer or manufacturer. See all 3 attachments that reflect GAP insurance was purchased. 
XXXX Warning : not a service member, veteran, dependent, or spouse )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 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: TX

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 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: TX

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: CHECK INTO CASH INC.
State: TN

Complaint narrative:
I don't have the exact date, but around XX/XX/2020, I personally hand delivered a written notification to Check Into Cash at XXXX XXXX XXXX, XXXX XXXX and XXXX I handed it to a male who worked there and advised him that several months earlier I had already verbally requested the business to stop all ACH payments coming out of my checking account. I was now giving them this notification in writing. I had been told several times by this same male and others that to stop an ACH payment was simply a courtesy, that it wasn't mandatory. After I researched the law and saw that I definitely could stop the ACH payments, I then delivered the written notice and told him that he and others had lied to me about me having the right to stop all ACH drafts. This time, since he knew I had researched the law, he agree with me and said he didn't remember telling me that. He agreed that I had the absolute right to stop them. I gave him the notice and left the business. On or about XX/XX/XXXX or XXXX, I put a stop payment on my account just in case Check into Cash continued after my giving them the written notification. On XX/XX/2020, I checked my mobile bank account and noticed that Check into Cash had attempted to withdraw {$1000.00} from my account. I called my back to make sure the stop payment was in effect. I was told it was, and on XX/XX/2020 the money was put back in my account due to the stop payment. My complaint is that first of all, they told me more than once they were just providing me a courtesy by suspending ACH payments, and two, after me giving written notification to permanently stop all ACH payments, on XX/XX/XXXX, had the audacity to try it again against my will and without my consent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-02 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: CITIBANK, N.A.
State: AZ

Complaint narrative:
In XXXX, two ( 2 ) payments were made in the amount of {$2000.00} and {$400.00}. The payment amounts should have been applied to a balance subject to interest rate of {$430.00} that expired on XX/XX/XXXX however it was not. On the XXXX statements the full amount subject to the balance transfer offer 4 was added to standard purchase rate in the amount of {$1100.00} calculating an interest charge of {$13.00}. 

The allocation of payments should be to the balance transfer first in accordance with Regulation Z. This is an unfair and deceptive practice. I want the {$13.00} and any other interest charged in XXXX having to do with the balance transfer offer 4 that should have been paid off credit to my account. The only interest I should be paying is the .99 % balance transfer that expires on XX/XX/XXXX and any purchases made.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
on XX/XX/2020 I purchased a oven, stove, refrigerator, microwave, and dishwasher. Per my agreement I am to have these appliances delivered on XX/XX/2020. As of today my appliances have not been delivered. I reached out to Home Depot and the 3rd party service that was suppose to deliver these appliances. Home Depot delivery services claim that they tried to deliver the items however there was not a call placed nor did any driver try to make contact with me via ringing the doorbell. I called the delivery company and they advised me that they came back which is an absolute untruth. XXXX, from Home Depot delivery service then claimed that the drivers took pictures. I advised her to send me the pictures she wouldn't. As I continued to advise her that the drivers did not come by she was completely rude about it. I have paid {$4300.00} for these appliances to be delivered. I then asked XXXX for the name of the drivers she said she doesn ; t know although she was talking to them. I asked her what was the manager name she said she doesn't know ... the number that I spoke to XXXX on is XXXX. As I reviewed that phone number and complaints it seems as if Home Depot has done this alot. I just want my appliances as I have paid for 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 explanation