vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-06 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: OH

Complaint narrative:
XXXX XXXX COLLECTION IS REPORTING {$1600.00} A INCORRECT ACOUNT ON MY CREDIT REPORTS. THE ACCOUNT IS NOT MINES ME AND MY FATHER HAVE NAME.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 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: OH

Complaint narrative:
XXXX XXXX COLLECTION IS REPORTING {$1600.00} A INCORRECT ACOUNT ON MY CREDIT REPORTS. THE ACCOUNT IS NOT MINES ME AND MY FATHER HAVE NAME.

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 2021-05-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: USCB, Inc.
State: CA

Complaint narrative:
A collection agency, USCB AMERICA, is trying to collect an alleged debt I owe to XXXX XXXX in California. I expressed my desire to settle the debt it had been provided and was a justifiable charge. These would be the same requirements I need to submit to my insurance company in order to be reimbursed in a timely manner. 
No proof or document has been provided so far. All I receive is an incessant bill in the mail that includes interest on the alleged debt. I am not refusing to pay but I need to justify and prove to my health insurance carrier, in a timely manner, that I need to be reimbursed for the medical expense. I am 80 years of age and I am having difficulty getting the proof I need. I have written my healthcare providers and have not heard from them either. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Berman & Rabin, P.A.
State: TX

Complaint narrative:
Received several phone calls from a XXXX XXXX from Bermin and Rabin, PA, regarding a debt I have no knowledge of. Repeated phone calls to my workplace with threatening abusive language placing my job at risk.

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 2021-05-06 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently sent a dispute letter to XXXX, Equifax, and XXXX on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either XXXX. The reason I'm filing this complaint against them is that XXXX XXXX requires them to respond within 30 days yet they have failed to respond. earlier to comply with these XXXX Regulations by credit reporting agencies are investigated by the Federal Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently sent a dispute letter to XXXX, XXXX, and Experian on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond. earlier to comply with these Federal Regulations by credit reporting agencies are investigated by the Federal Trade Commission.

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 2021-05-06 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Oliver Adjustment Co.
State: OH

Complaint narrative:
XX/XX/2021 OAC XXXX placed a collection incident on my credit report in the amount of {$95.00}. I never received any invoice for any medical bill for {$95.00}. The address and phone number given to my credit reporting company ( XXXX  ) is : Directory : XXXX, XXXX XXXX XXXX, XXXX, WI XXXX. As a result, my credit took a hit which is especially damning when you are getting a pre-approval for a home! This company should face consequences. They did not respond to a phone call.

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 2021-05-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NE

Complaint narrative:
My mortgage loan was transferred to Shellpoint Mortgage Servicing ( " Shellpoint '' ) aka NewRez effective XX/XX/XXXX. The servicing of my mortgage loan ( collecting payments, paying taxes and insurance etc. ) transferred from Ditech to Shellpoint at that time. My previous house payment was {$300.00} which was debited from my bank account which kept my loan payments consistent and current. I had no previous concerns with my home loan that I'm aware of. According to the notification letter I received from Shellpoint dated XX/XX/XXXX, the change did not affect any terms of my mortgage contract other than those related directly to servicing my account. The coupon attached to the letter reflects a significant change in payment amount and was " back '' dated by several years which has left me extremely confused since a current payment of {$300.00} was sent back to my bank in the form of a cashiers check ( # XXXX ) with no explanation of why or how the loan amount has changed. I made numerous efforts to reach Shellpoint by phone but ... ... .to no avail. Since I haven't been able to reach Shellpoint by phone I made a " good faith '' effort to send another cashier 's check ( certified return mail ) in the amount of {$460.00} which to date has not been deposited or returned. I've received no explanation as to why the loan amount has changed or why I'm not receiving any written correspondence to the contrary. I am reaching out to the Consumer Financial Protection Bureau ( CFPB ) because I've read alarming reviews of Shellpoint Mortgage Servicing ( dba ) NewRez that is extremely concerning. I believe I am being denied " Due Process '' under law which leaves me in a vulnerable state of confusion and a possible foreclosure premise which I do not wish to be a victim of. I did not ask that my mortgage be put into the hands of what appears to be a " predatory '' mortgage company. There is documentation that show Shellpoint has be sued numerous times for unsavory business practices. The CFPB notes that on XX/XX/XXXX Shellpoint " again '' tops Monthly CFPB complaints!!!! Please assist me in finding out what's happening with my mortgage loan at the hands of this company and how my concerns and mortgage payments can be applied to my account and prevent any default of my home loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I received a phone call in regards to a legal matter from phone number XXXX instructing me to call XXXX XXXX and XXXX with file number XXXX. Not only did I receive a call, but third parties in my family received a call/voicemail in regards to this false matter. This is a blatant breach of guidelines set forth by the FDCPA. I have since forwarded all proof of this said account that is in default to the following email address XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have received a copy of my credit report and it shows company XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$900.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

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 2021-05-06 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: Amsher Collection Services, Inc.
State: NC

Complaint narrative:
I have received a copy of my credit report and it shows company AMSHER COLL ( Original Creditor : XXXX XXXX XXXX XXXX ) account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$220.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 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:
hello, I've been trying to reach out to child support enforcement and the 3 credit bureaus on behalf of my credit report. this account is hindering my ability to obtain credit I am willing to make a type of settlement and comply and I have asked for variable proof of this account its been more than 30 days and I have yet to receive any updates. I called fair credit act and they said that by law they are required show proof. I sent XX/XX/2021 a certified letter because I was advised by post office that this would be the most accurate way of them receiving mail instead of normal mail. I will send you proof of those slips.

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 2021-05-06 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: PENTAGON FEDERAL CREDIT UNION
State: DE

Complaint narrative:
PenFed is a great company and its folks are good as well. However, my account was fraudulently used in XXXX without my knowledge and PenFed blocked those charges and my account, which was all fine. I have ALWAYS been signed up for FULL Statement Balance AutoPay on my cards with PenFed ; I was still charged interest in the last cycle. PenFed has not been able to resolve this system issue on their end. I can not and should not be held accountable for charges that I did not make and also which were actually blocked by PenFed. How can I be assessed interest on balances that I actually owe, when I am enrolled in Full statement balance Automatic Payment? 

Additionally, I had over {$40.00} in rewards before my card number was changed. All those rewards dollars have now disappeared and I have seemingly lost the rewards I had earned on all my spend on the prior card number. Incorrect.

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 2021-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: R & B Corporation of Virginia
State: CA

Complaint narrative:
XXXX SCAM call impersonating collection agency called " Credit Control '' XXXX XXXX XXXX XXXX Trying to get financial information illegally.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 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 disputed a collection item twice for XXXX XXXX with Experian. The first dispute was on XX/XX/XXXX. The most recent dispute filed was approximately XX/XX/XXXX and Experian finalized the dispute on XX/XX/XXXX. Once the dispute closed, the collection remains on my credit report and updated to XXXX, thus decreasing my credit score even more. I had sent XXXX XXXX a validation letter on XX/XX/XXXX prior to the re-dispute with Experian. They have not responded directly to me. However, in speaking with Experian 's dispute division today, ( XX/XX/XXXX ) I inquired about what proof of validation they received from the collection agency. I was told that XXXX XXXX responded with they do not have to provide proof of the debt. With that said, Experian still refuses to correct my credit report. The Experian Representative said they can not update my credit file even though the creditor refuses to validate the 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 2021-05-06 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: I.C. System, Inc.
State: TX

Complaint narrative:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo XXXX XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

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 2021-05-06 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: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens XXXX Mo XXXX XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

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 2021-05-06 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: LA

Complaint narrative:
On XX/XX/2021 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 im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP
State: WA

Complaint narrative:
On XX/XX/XXXX, by phone I reported my card as lost/stolen to USBank Reliacard, and XXXX and was told by USBank that they would deactivate the card and send me a replacement. They sent the replacement card, but did not deactivate the account. Instead, whoever stole the card was able to contact USBank and change the phone number and pin. The thief was then able to drain our account over {$4100.00} using various ATMs. They did this from XX/XX/XXXX to XX/XX/XXXX. We submitted a fraud/dispute of charges on XX/XX/XXXX. On XX/XX/XXXX we received a notice of denial of our dispute. When we called in to find out the reason for the denial, we were then told that the denial we had was not for our card -- and was for a claim for over {$11000.00}. XXXX from USBank told us that the denial had the wrong card number on it and we should disregard the denial. I called again on XXXX, and XXXX told me that they were still reviewing/investigating but no denial had been issued and it would be approximately 45 days before a decision would be made. Then, I called today ( XXXX ) and was told that they had again denied our claim on XX/XX/XXXX BEFORE we spoke with XXXX. 

On XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX I requested they send me the document used to determine the denial of my claim. I STILL do not have any documents although I have been assured they were mailed on each of those occasions. On each of those occasions I have been told our claim is for {$11000.00} when our claim is for approximately {$4200.00}. When I ask if I can speak with the Prepaid Dispute Resolution people who are denying my claim, I am told that no one can talk to them or call them. One can only fax them which I have done repeatedly and received NO RESPONSE. 

USBank also allowed the thief to change the phone number and pin associated with my card. When I called in on XX/XX/XXXX to find out the status of my card, my cell phone number was no longer associated with the card, and my pin no longer worked. I did not make those changes to my profile, so the thief must have done it with USBanks help and cooperation. 

As a consumer, I followed all directions and reported the card lost/stolen immediately upon discovering that the card was missing. I requested USBank to deactivate the card on XX/XX/XXXX. Apparently that did not happen. Instead, USBank changed the phone number on my card as well as the pin thus allowing the thief to abscond with my money. As a direct result of USBanks negligence, I have had over {$4200.00} stolen from me. 

I have been hounding USBank to help me with this situation. I am met with being told that there is nothing USBank can do. Only the Prepaid Dispute Resolution department can help me but there is no effective way to reach that department. I am frustrated beyond belief.

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 2021-05-06 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have received a copy of my credit report and it shows company XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX  account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$220.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have received a copy of my credit report and it shows company XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX  account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$250.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation