vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
It is essential that CFPB XXXX XXXX. : XXXX be reopened and finally disposed of as requested in this Complaint. 
On or about XX/XX/2022 in compliance with the applicable provisions of the FDCPA, a conference call was convened by XXXX XXXX, PoA for the alleged debtor, XXXX XXXX XXXX, XXXX XXXX and Credit Control Corp ( CCC ), represented by Collection Agent identified as XXXX. 
That telephone conference call was documented by letter dated XX/XX/2022 that was delivered to CCC via facsimile provided by XXXX as well as USPS Certified and Regular Mail. 
The XX/XX/2022 communication was one of several attempts by us to obtain adequate validation from CCC all efforts were non-responsive. 
During the XX/XX/2022 verbal and written communications, CCC was only able to verify that they had a record of the alleged claims ; however, were unable to provide any of the information required to validate the debts claimed to be due. In fact, several of the debts were identified as owned or claimed to be due CCC directly as creditor. This has never been contested by CCC. 
Finally, following numerous attempts to obtain the FDPCA described validation, CCC responded that they have finally imposed a cease and desist contact and also admitted their inability to locate accounts. 
It is noteworthy that considering the exposed recordkeeping flaws with CCCs operations, there could be other to date unreported debts. XXXX alluded to that possibility during the XX/XX/2022 conference call and as documented in the latter of that date. 
As of this writing, CCC has failed to provide the requested information, not even that expected to be included in a bare account and has far exceeded the statute of limitations of collectability as provided in the FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I have disputed this account 4x already. Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I informed the original creditor account was fraud on XX/XX/XXXX and they sold the account. I have provided police report of ID theft. I have done everything including disputing with XXXX, XXXXXXXX XXXX  and midland collection. I'm done and tired of their fooliness. I don't owe anyone any money. I have never apply for credit with the original Creditor. I'm currently received promotional credit from them. Please help!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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: MI

Complaint narrative:
in accordance with the Fair Credit Reporting act, Equifax has violated my rights. 

15 USC 1692 ( B ) ( 5 ) 15 USC 1681 ( A ) ( 4 ) FCRA 623 ( A ) ( 6 ) ( B ) 15 USC 1681 ( A ) ( 2 ) FCRA 623 ( A ) ( 2 ) ftc report number XXXX XXXX XXXX. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) - ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block.

DEPT OF ED/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
I wrote to the Debt Collector several times advising them that the debt doesn't belong to me, and the debt is expired. This is my third attempt writing and they refuse to produce documentation proving that the debt belongs to me, so they're in violation. I also send them a copy of my police report with they totally ignored. 

National Credit System AC # XXXX XXXX {$2500.00} ( Wrote them numerous times and they ignored my request ) XXXX XXXX XXXX AC # XXXX XXXX {$0.00} ( contacted merchant numerous times and they still reporting on my credit )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
I WAS PROVIDED WITH A XXXX  GIFT CARD FOR {$100.00}. TO MY KNOWLEDGE THE FUNDS ON A GIFT CARD CAN NOT EXPIRE. I HAVE CALLED XXXX  7 WEEKS IN A ROW. I CONTINUE TO BE TOLD, CALL BACK IN A WEEK AND WE WILL PUT A REQUEST IN FOR THE FUNDS TO BE REIMBURST. MY FRUSTRATION LEVEL IS 10 OUT OF 10 WITH XXXX. IS THERE ANYTHING ELSE I CAN DO OTHER THAN CONTINUING MY WEEKLY CALLS TO XXXX  AND HOPE WITHIN THE NEXT 10 YEARS THEY GIVE ME BACK THE MONEY OWED. 

THANK YOU 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 2022-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CrossCountry Mortgage LLC
State: NY

Complaint narrative:
I started a mortgage application for the refinance of my Co-Op with Cross Country Mortgage in XX/XX/2021. Initially I was told this process would take approximately 60 days to complete. Communication with this company was steady and fair until around XX/XX/2021 when I was waiting for a closing date. I the operations manager that I was assigned to when I didn't hear back from them around the time I should have received a closing date. I was told that by her they were waiting for a response from the Attorneys that they chose. After another 2 weeks went by I contacted them again and was told they would go with a plan B which was to find a new lawyer. Two weeks after that I began calling and emailing both the operations manager and the loan originator and got no response. Finally I contacted the attorneys they chose. When I spoke with them, I was told they represent the lender so there really wasn't anything for them to do but secure the title. I called the mortgage company back and was transferred to a manager who then told me that my application is no longer valid and these things happen. He stated he would find a new lawyer and restart the process. As of the date of this compliant I have yet to receive any response from them despite numerous phone calls, and emails. 2 disclosure extensions and XXXX later for an appraisal and Co-op survey fees and I have yet to hear back from this company despite numerous phone calls and emails.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
In XX/XX/XXXX, I inquired with a loan officer from Chase Bank to refinance my mortgage on my condo, which I informed him was unwarrantable. He represented that he had done many closings there before, it would be a 60-day process, and he would be able to assist me through the process. On XX/XX/XXXX, I received a loan estimate stating the interest rate would be 2.49 %, with no points and {$2900.00} of closing costs. From there, the process was handed from my loan officer to a customer care specialist. Although I uploaded all documents requested in timely fashion, the customer care specialist was unresponsive and the closing ended up being on XX/XX/XXXX, almost four months after the process began. He informed me the delay was because he had no experience with unwarrantable condos and was not aware we needed to schedule an appraisal. My final closing disclosure stated that my interest rate would be 2.75 %, with {$3800.00} ( {$1100.00} due to points ) in closing costs. I raised concerns about the new terms which I wasn't aware of. However, I was encourage by both the loan officer, and customer care specialist to follow through closing because they would refund me the cost of points and a customer care credit of {$500.00} due to the new rate and my experience. It is now late XX/XX/XXXX and I have not received any of the promised refunds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
in 2016 i had a bank of america account i opened the account for my son to receive money from his father. I checked this account daily for money promised to him. In. XXXX i lost my wallet with all my information XXXX security card i'd bank info bank cards both XXXX XXXX and bank of america one day i was in XXXX in md trying to buy a car i saw a large deposit didn't get a chance to do anything when i left the place the bank was close but the next day i called bank of america explained to them and they closed my account now they say i have unpaid balance after i asked them to watch cameras for verification.

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 2022-03-23 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: AMERICAN ADVISORS GROUP
State: VA

Complaint narrative:
After the passing of my XXXX XX/XX/2021 the company sent a condolence letter in XX/XX/2021 after which i requested an extension in order to keep the home, i was never told i had 180 days automatically and then they failed to follow the care act guidelines and updated HUD guidelines which would have afforded me an additional 180 day extension for a total of 12 months. Instead they started foreclosure proceedings in XX/XX/2021 and refused me a 90 day extension claiming they received documents on XX/XX/XXXX of my intension with the property when in fact they received the documents on XX/XX/XXXX. And they claim they were due XX/XX/XXXX even though this was still not the proper procedures extended by HUD. I would like this issue escalated to HUD and the Justice department for improper servicing of a HUD backed loan. I have attached a copy of the sign they received where they claimed no address or contact number was on the sign. I also attached a copy of the date stamped email.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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: TX

Complaint narrative:
How does Experian make their money? Do they Charge companies like XXXX XXXX XXXX XXXX ( XXXX ) to access my credit report? If so, shouldn't Experian be responsible for protecting my credit report if XXXX unlawfully accessed my report? In XX/XX/2017, XXXX and one of their affiliates did not have permissible permission to access my personal credit report. This led to a fraudulent loan. XXXX simply labels all complaints over the last four years as duplicates without reading complaints. This is evident by the speed complaints are denied and labeled duplicates. Therefore since Experian is profiting by releasing my private information, should Experian be held liable. However Experian just replies with standard " feel good '' replies without accomplishing anything.. Experian has learned to play and mock the US through the CFPB. The XXXX  troops are complacent in XXXX  just like the employees of large businesses because they refuse to stand up. They are scared and do wrong for the sake of money.

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 2022-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
There are incorrect addresses being reported on my report that need to be removed The address XXXX XXXX XXXX is not correct

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 2022-03-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: C/C Financial
State: NY

Complaint narrative:
I had a rental lease agreement with this company in which the agreement was misrepresented I was being forced into a new agreement in which the total amount due was twice as much as the original one I tried to work with company to pay down on what was owed but they wanted an unreasonable amount when furniture wasnt worth what they were asking for then they put my account into collections

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
My information was compromised and used fraudulently to open a checking account in my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-23 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair debt collection practices Act 15 U.S.C 1692 Converge to account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 1681 Section 602 A section 2 : also states A consumer reporting agency can not furnish an account without my written instructions.

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 2022-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: NY

Complaint narrative:
I returned an item to seller and asked my bank to refund my money and my bank denied my request. I gave my bank tracking information proving the item has been returned to seller

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 2022-03-23 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: CA

Complaint narrative:
Im accordance with the Fair Credit Reporting Act XXXX  XXXX Account # XXXX Dept of Ed/XXXX XXXX XXXX XXXXXXXX Dept of Ed/XXXX XXXX XXXX XXXXXXXX Dept of Ed/XXXX XXXX XXXX XXXXXXXX Dept of Ed/XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX  XXXX XXXX Account XXXX XXXX SXXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account XXXX XXXX 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 a account without my written instructions

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 2022-03-23 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: Portfolio Recovery Associates, LLC
State: MS

Complaint narrative:
Portfolio Recovery ire-agings every account they have listed in my name after every inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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: TX

Complaint narrative:
I've made several attempts to fix this issue I started XXXX XXXX and attempted again XXXX XXXX I also requested for them to send me verification of their investigation and a 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 explanation
Consumer complaint received 2022-03-23 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I've made several attempts to fix this issue I started XXXX XXXX and attempted again XXXX XXXX I also requested for them to send me verification of their investigation and a 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 explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION
State: VA

Complaint narrative:
I completed an assessment for a background check yesterday, XX/XX/XXXX, for a job I applied for at XXXX. I received an email from First Advantage this morning regarding the results of the background check. In the report, was a criminal record from NC in XXXX, which I never was there at that time. Also, the name is wrong. The first name is XXXX, which isnt my name. Also, it included my married name, but I wasnt married until XXXX, so the last name wouldnt have been that which is in the report from XXXX. I would like to have it removed from my report as it is not me and I dont want it affecting my future career endeavors. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Credit Systems, L.P.
State: MD

Complaint narrative:
IT Was brought to my attention that SOUTHWEST CREDIT SYSTE reported an alleged debt of {$540.00} dollars. When i ask them for proper verification they fail to provide mandated documents. original copies of my signature, amongst other specified documents. Then continued to report inaccurate information to consumer reporting agencies. Violating both federal and state laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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:
Fraudulent inquiries and inaccurate account information

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 2022-03-23 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Fraudulent inquiries and inaccurate account information

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 2022-03-23 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
Bank of America visa credit card XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Ref # XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX $ XXXX XXXX and XXXX working in XXXX, MN on those dates. Multiple charges made by XXXX and XXXX in XXXX on same dates. Not our charges nor were they authorized by either of us. 

See attachment for details and dates contact made to resolve.

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