vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-08 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 — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I'm unable to receive my credit report online

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 2020-01-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stuart-Lippman and Associates, Inc
State: CA

Complaint narrative:
Suart-Lippmann, & Associates , Inc. is aware that they are agents of XXXX who is currently under federal investigation ( EEOC ) as per the current case number : " This is a reminder that you have scheduled an interview with the EEOC to discuss the inquiry you submitted online ( XXXX ). Please note the following information about your interview : The interview will be by-phone Time of interview : XXXX XXXX  Date of interview : Friday, XX/XX/2019 At the time of your interview, please have the password for your EEOC Public Portal user account with you. 

If you are unable to keep this appointment, please reschedule or cancel it. 

Sign-in to Reschedule or Cancel Appointment '' As such, any and all debts assigned to this case are to be withheld pending the complete investigation by the EEOC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 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: TX

Complaint narrative:
Portfolio Recovery LLC received their final payment as confirmed by XXXX XXXX XXXX  on XX/XX/2019 and Portfolio Recovery tells me they never received the payment and refuse to give me a payoff letter so that I can report the charged off settlement amount to the IRS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I did request my credit report through XXXX XXXX XXXX XXXX   to EQUIFAX to correct inaccurate information, I provide them all my information. 

They claim unable to find my credit file in their database.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 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: Avant Credit Corporation
State: TX

Complaint narrative:
My XXXX account was issued by AVANT. It went into collections and was sold to XXXX XXXX. The account was settled and paid XX/XX/2017 and XXXX XXXX did not communicate this information to AVANT to update my credit report accordingly. The AVANT XXXX account still shows Derogatory on my credit reports and was paid over two years  ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute  initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- AUTO ACCOUNT -- 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my 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 2020-01-08 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Prosper Marketplace, Inc.
State: CA

Complaint narrative:
I revived a summons from XXXX XXXX XXXX, XXXX. XXXX XXXX. I then called them XX/XX/2020. I spoke to a woman that said they were debt collectors. I asked if I could arrange payments of {$140.00} a month she was aggressive & wanted me to make 12 payments of {$440.00} every 2 weeks. I explained to her I could not do that she then said she needed to speak to her supervisor & she would call me back. Come Monday XX/XX/XXXX I call them to follow up with every call I attempted to make to them the phone seemed disconnected or will not take calls from my phone. The debt collectors name was XXXX XXXX. I can no longer get ahold of them to resolve this debt.

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 2020-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rushmore Service Center, LLC
State: MD

Complaint narrative:
On XX/XX/2019, I was contacted through mail from Rushmore Service Center on a credit card debt asking me to notify them within 30 days after receiving the letter so that I can verify if the debt is mines or not. I mailed them back certified and they received the letter on XX/XX/2019. I asked them to provide any legal evidence that I owe them, to show my contract that I signed with them, provide copied of the debt, proof that they are licensed to pursue the debt and their license number and I also sent a cease and desist letter so they would not call me. They did not provide me with their licence number, they did not provide proof that they are licenced in my state and they did not provide a signed contract that I have with them or the original company. They also typed up a false letter from " XXXX XXXX XXXX '' stating the information provided as validation of debt. XXXX XXXX XXXX sold the account so they will not be communicating with me. Rushmore Service Center did not provide me with a letter that they mailed to me on XX/XX/2019 explaining the " validation ''. They only sent a fake cover letter from XXXX XXXX XXXX and three statements from 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 2020-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
XXXX XXXX bank, date of discovery XX/XX/2018, I Filed a police report for identity theft, I also followed direct from ftc and sent dispute letter to company. They submited information back stating the account was correct. The amount of the credit debt is {$920.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 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: TX

Complaint narrative:
My XXXX account was issued by XXXX. It went into collections and was sold to XXXX XXXX. The account was settled and paid XX/XX/2017 and XXXX XXXX did not communicate this information to XXXX  to update my credit report accordingly. The XXXX XXXX account still shows Derogatory on my credit reports and was paid over two years ago.

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 2020-01-08 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:
I have 2 XXXX XXXX Accounts that were disputed multiple times and Epxerian did not research the information. They made no effort to research the validity of the accounts. And because of this, would jot remove them from my credit report.

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 2020-01-08 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: NE

Complaint narrative:
On, XX/XX/2019, I enrolled for ACH withdrawal of my mortgage payment on XXXX XXXX online account center and there were no errors shown. So I thought everything was setup correctly and so forgot about it. 

On XX/XX/2019, we found a letter on front porch of our house indicating that we were late on mortgage payments. I was surprised at seeing that and immediately logged into my account, and first thing I I did was to clear the pending balance on the account and then started investigating what happened. 

As I looked online at all the documents that they mailed, I did see that they did mail a notice to my home address about an issue with my ACH setup. But when looked at the address closely, I noticed that the mailing address was incorrect. The street address was correct but it had a different city and zip code. I was very sure that at one point I was receiving my statements from them, so when I looked at the old statements online, they had the correct mailing address until XX/XX/2019 but starting with XX/XX/2019 statement, they had incorrect address. I never contacted them to change the address and they changed my personal information without my consent. 

Due to unauthorized change of mailing address, I never received any notifications of incorrect ACH setup or about late payments. I now have a " 30 Day Late Payment '' remark on my credit report that has adversely impacting my credit score and will continue to impact for the next seven year. Had I know that there was an issue with my ACH setup, I would have taken care of it immediately and resolved the issue before it went to past due status. All this for the mistake that the bank did on their part by changing the mailing address without my authorization. 

I tried to dispute this with the bank and the credit reporting agencies with no success. I kindly request you to please help me resolve this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 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: NE

Complaint narrative:
On, XX/XX/2019, I enrolled for ACH withdrawal of my mortgage payment on XXXX XXXX online account center and there were no errors shown. So I thought everything was setup correctly and so forgot about it. 

On XX/XX/2019, we found a letter on front porch of our house indicating that we were late on mortgage payments. I was surprised at seeing that and immediately logged into my account, and first thing I I did was to clear the pending balance on the account and then started investigating what happened. 

As I looked online at all the documents that they mailed, I did see that they did mail a notice to my home address about an issue with my ACH setup. But when looked at the address closely, I noticed that the mailing address was incorrect. The street address was correct but it had a different city and zip code. I was very sure that at one point I was receiving my statements from them, so when I looked at the old statements online, they had the correct mailing address until XX/XX/2019 but starting with XX/XX/2019 statement, they had incorrect address. I never contacted them to change the address and they changed my personal information without my consent. 

Due to unauthorized change of mailing address, I never received any notifications of incorrect ACH setup or about late payments. I now have a " 30 Day Late Payment '' remark on my credit report that has adversely impacting my credit score and will continue to impact for the next seven year. Had I know that there was an issue with my ACH  setup, I would have taken care of it immediately and resolved the issue before it went to past due status. All this for the mistake that the bank did on their part by changing the mailing address without my authorization. 

I tried to dispute this with the bank and the credit reporting agencies with no success. I kindly request you to please help me resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 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: NE

Complaint narrative:
On, XX/XX/2019, I enrolled for ACH withdrawal of my mortgage payment on XXXX XXXX online account center and there were no errors shown. So I thought everything was setup correctly and so forgot about it. 

On XX/XX/2019, we found a letter on front porch of our house indicating that we were late on mortgage payments. I was surprised at seeing that and immediately logged into my account, and first thing I I did was to clear the pending balance on the account and then started investigating what happened. 

As I looked online at all the documents that they mailed, I did see that they did mail a notice to my home address about an issue with my ACH setup. But when looked at the address closely, I noticed that the mailing address was incorrect. The street address was correct but it had a different city and zip code. I was very sure that at one point I was receiving my statements from them, so when I looked at the old statements online, they had the correct mailing address until XX/XX/2019 but starting with XX/XX/2019 statement, they had incorrect address. I never contacted them to change the address and they changed my personal information without my consent. 

Due to unauthorized change of mailing address, I never received any notifications of incorrect ACH setup or about late payments. I now have a " 30 Day Late Payment '' remark on my credit report that has adversely impacting my credit score and will continue to impact for the next seven year. Had I know that there was an issue with my ACH  setup, I would have taken care of it immediately and resolved the issue before it went to past due status. All this for the mistake that the bank did on their part by changing the mailing address without my authorization. 

I tried to dispute this with the bank and the credit reporting agencies with no success. I kindly request you to please help me resolve this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax initiate a security freeze on my account and also not reporting over 8 credit cards on my account ( Estimate total- {$30000.00} ) that I am authorize user on, all cards are reporting on other credit agency and i already spoke to XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX  and XXXX. I was told by each company they report to all 3 credit bureaus. They even remove some of my reporting cards without my knowledge. I have called more than 6 times trying to resolve this issue and also fax paper work to verify identity including credit cards information. Equifax initiate the freeze on its own without me knowing until i try pulling my credit and was not allowed. 

I contact them on XX/XX/1921, XXXX, XXXX and XXXX. Faxed in some paperwork to verify identity and credit card information ( The ones not reporting ). Also on XX/XX/XXXX and the XXXX. 
I keep getting run arounds with different answers from different people. Its really frustrating, please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: La Casa Bonita Investments
State: AZ

Complaint narrative:
I have been repaying my student loan through 1file.org, since I believe XXXX or XXXX. Every month, I pay {$39.00} based on my income. Every year, I submit my two most recent pay-stubs to ensure my qualification for Public Loan Forgiveness ( I am a XXXX  in a XXXX XXXX School ). I recently was contacted by XXXX XXXX  that I owe {$240.00} because I did not submit this same information on time. I called them ( Public Loan Forgiveness ) and they said there's nothing on file currently for Public Loan Forgiveness. I explained I was working with 1file.org and I have been submitting monthly payments to them. They said there's nothing in my history showing I've made any payments since XXXX ( I believe ). Right away, I knew something wasn't right. I tried contacting 1file.org and they became like a ghost. The website wasn't working and all numbers I called previously, were off line and unavailable. I then went through my XXXX  folder and found an emailing stating there was a lawsuit against 1file.org. Upon investigating further, I found the company who they are with, XXXX XXXX XXXX, also doing business as 1file.org, and the company has been suspended during the lawsuit. I talked with XXXX XXXX ( XX/XX/XXXX ) and they advised me to make a complaint with you and that this 3rd party was sending fraudulent information to them for years. For example, they stated I have a family of XXXX, which I don't. They were sending all my information to an email address connected to them and all my information was corrupt and stollen. She explained that I need to set up something immediately with them and could be in jeopardy of not being able to file Public Loan Forgiveness if audited.

Company response to consumer: Untimely response
Consumer complaint received 2020-01-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN

Complaint narrative:
My daughter visited a doctor in XXXX where she is a college student. The doctor sent the bill to a previous address. The doctor turned the bill over to Wakefield and Associates in XXXX, TN. She told them to contact me ( her mother ) as I was responsible. They are still contacting her. I have contacted Wakefield at least 7 times in the past 8 months requesting a written statement for the bill. Last night ( XX/XX/XXXX ) I spoke to XXXX who claimed he sent me a bill on XX/XX/XXXX. I told him I never received it and once I received it I would be happy to pay the bill. I have a credit score in the high 700s and  always pay my bills in a timely manner.

Wakefield and Associates are contacting my daughter even though she has told them to contact me. They will not send me a written statement.

Wakefield and Associates phone number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XXXX XXXX thru XX/XX/2019 I preformed a manual audit on my account. 

I went on my online bank account and added all off my debit transactions that appeared on my ledger. 

When I added my entire ledger, I discovered lots of transactions the look malicious and a lot of these transactions appears to look really that exhausted {$110000.00} in funds into my account to exhausted my balance. 

I have made mortgage payments that I did not see not other funds that was deposited into my account to pay my mortgages. 

I did not make these transactions. At least a large some of them. 

I spoke with the bank to inform them from the record I was going to complete a manual audit on my account. 

I am aware that these actions have happen before on my dad deceased account where money was withdrawn from his account on the day of his death by a poa. Then the statements said something different. 

I went into a branch and a personal banker told me this and I have not been able to recover those funds from the fraudulent act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I don't even know at this poimt why i have several hundreds of dollars of fees from chase bank that are absurdly high. The initial overdrafted balance is no where close to the constant hundreds of dollars of fees being charged to me

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: PNC Bank N.A.
State: IL

Complaint narrative:
Pnc has charged me hundreds of dollars of fees for low account and overdraft balance that have been a constant management problem as I use the app for daily account management but the app is not always reflective of up to date records. Now i have close to XXXX in overdrafts and constant fees being charged back to back to back.

Company response to consumer: Closed with monetary relief