vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-08 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: Collection Consultants of California
State: CA

Complaint narrative:
I have informed XXXX, multiple times, that an item on my credit report from Collection Consultants of CA is fraudulent. The latest report number is XXXX ( Collection Consultants of CA account number XXXX ) and the item in question is for {$340.00}. Both XXXX and XXXXredit Consultants of CA have been notified, in writing, with a letter provided by the Federal Trade Commission ( XXXX ) that the {$340.00} account is a result of Collection Consultants of CA fraudulently obtaining my personal information. XXXX claims to " verify '' the debt, but all they do is ask somebody else if the information is correct and the other person says, " Yep, it's correct '' and then they close the dispute. We've already established that somebody else has my personal information. Yes, Collection Consultants of CA have my personal information. Repeatedly asking them if they have my personal information isn't verifying anything other than they have my personal information. I have requested, in writing numerous times, that XXXX and Collection Consultants of CA provide actual proof in the form of a signed and dated contract for the {$340.00}. They have yet to provide this evidence. They have specifically been requested to send me copies of " Signatures on application and accounts '' through the official letter provided through the Federal Trade Commission. They have yet to do so. 

Also, XXXX keeps requesting that I call them even though I have told them, numerous times, that I do not speak on the phone and that I'm available through text, email, or US mail. They have now blocked my access to information with a statement that I must call them. I have informed them that I have a XXXX that precludes me from speaking on the phone, but they keep insisting that I speak on the phone. Unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
I was approved for the HAF Home Owners Assistance program 18 months forward payments. My mortgage company is claiming they have not received any information or payments from HAF but according do the XXXX they have so theyre lying.

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 2022-08-08 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: NJ

Complaint narrative:
I traded in my XXXX XXXX for an XXXX in XX/XX/2022. My delivery was delayed because I had a medical procedure in XXXX and to make matters worse my wife was diagnosed with XXXX and needed to quarantine which further delayed delivery. The new vehicle was finally picked up on XX/XX/XXXX which created a 30 day late on my XXXX, XXXX and TranUnion credit reports. Prior to this, my credit scores were all in excess of XXXX. I reached out to XXXX XXXX who financed my XXXX XXXX and requested a goodwill adjustment because I never had a 30 day late with them and they refused any accommodation after speaking with 5 different individuals. My request for a goodwill adjustment was due to extenuating circumstances as mentioned above. The XXXX XXXX was paid off on XX/XX/2022 as per XXXX own records which is attached to this complaint. My payments for the XXXX XXXX are due on the XXXX of each month. As is clearly evidenced by the attached transaction report the car was paid off prior to the XX/XX/2022 due date. XXXX not only reported a 30 day late in XXXX but also reported the account as 30 days late in XXXX which is IMPOSSIBLE because the car was paid off prior to the XXXX payment due date ( XX/XX/XXXX ). XXXX has yet to correct their error which has further deteriorated my excellent credit ratings with all three credit reporting agencies. Furthermore, as evidenced by the attached XXXX account statement, my account is currently listed as past due which is outrageous. In addition, my XXXX report is showing the account as 60 days past due TWICE ( screenshot attached ). This has caused extensive damage to me personally and I demand that this erroneous and derogatory information be deleted immediately. I have tried to dispute this inaccurate and damaging information with all three credit reporting agencies but their online dispute portals will not allow me to attach documents.

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 2022-08-08 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: NJ

Complaint narrative:
I traded in my XXXX XXXX for an XXXX in XX/XX/2022. My delivery was delayed because I had a medical procedure in XXXX and to make matters worse my wife was diagnosed with XXXX and needed to quarantine which further delayed delivery. The new vehicle was finally picked up on XX/XX/XXXX which created a 30 day late on my XXXX, Equifax and XXXX credit reports. Prior to this, my credit scores were all in excess of XXXX. I reached out to XXXX XXXX who financed my XXXX XXXX and requested a goodwill adjustment because I never had a 30 day late with them and they refused any accommodation after speaking with XXXX different individuals. My request for a goodwill adjustment was due to extenuating circumstances as mentioned above. The XXXX XXXX was paid off on XX/XX/2022 as per XXXX own records which is attached to this complaint. My payments for the XXXX XXXX are due on the XXXX of each month. As is clearly evidenced by the attached transaction report the car was paid off prior to the XX/XX/2022 due date. XXXX not only reported a 30 day late in XXXX but also reported the account as 30 days late in XXXX which is IMPOSSIBLE because the car was paid off prior to the XXXX payment due date ( XX/XX/XXXX ). XXXX has yet to correct their error which has further deteriorated my excellent credit ratings with all three credit reporting agencies. Furthermore, as evidenced by the attached XXXX account statement, my account is currently listed as past due which is outrageous. In addition, my Equifax report is showing the account as 60 days past due TWICE ( screenshot attached ). This has caused extensive damage to me personally and I demand that this erroneous and derogatory information be deleted immediately. I have tried to dispute this inaccurate and damaging information with all three credit reporting agencies but their online dispute portals will not allow me to attach documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
On XX/XX/2022, I purchased new hearing XXXX from XXXX XXXX for {$5300.00}. At that time they opened up a new credit account for me with Care Credit ( through Synchrony Bank ) a program that specialized in medical issues and one that I have used before for XXXX surgical bills for our dog. A special program was used to allow 0 % interest over a one-year period of time. I received initial account set-up emails from Synchrony Bank XXXX including their caveat that paying the minimum amount due per month would not pay off the total balance before the end of the one-year 0 % interest period. Throughout XX/XX/2022 and into XXXX, I logged onto Synchrony 's website at least once per week to review my statement ( s ) and process a payment. As recently as XX/XX/XXXX, I logged onto the site and read that no statement was available, that my balance was {$0.00}, and that my available credit was still {$5400.00}. I was also prohibited from making a payment in the absence of a statement. During a follow-up appointment with XXXX XXXX ( on XX/XX/XXXX ), I commented about the absence of statements and inquired as to whether XXXX XXXX had processed my billing. On Monday, XX/XX/XXXX, I reached a representative at Synchrony Bank and was informed that a statement was processed on XX/XX/XXXX, with payment due on XX/XX/XXXX. Since I was never sent a statement, I was unaware of this " supposed '' event, missed the due date, was charged a late fee, have unintentionally violated the 0 % provisions of my contract, and have suffered damage to my otherwise impeccable credit rating. Deplorable is the only available word to describe the performance of Synchrony Bank. I have paid the complete initial charge ( {$5300.00} ) and have requested that the late fee and any interest be removed from the account. I am awaiting their actions but wish CFPB interaction regarding Synchrony 's information practices and investigate how often such " mis-communications and lost statement '' occur.

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 2022-08-08 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX continues to have problems with their system were you can't submitted or provide proof of inaccurate information. 
XXXX continues to over look information that was provided as proof of reporting inaccurate information. 
XXXX is destroying me and family life by not fixing inaccurate report At this point I've submitted XXXX Dispute against ( XXXX XXXX XXXX ) XXXX YOU MUST FOLLOW FEDERAL LAW 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. 
PROHIBITION : a law or regulation forbidding something

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 2022-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BMO BANK NATIONAL ASSOCIATION
State: KY

Complaint narrative:
On XX/XX/2022, I received a letter in the mail from BMO Harris Bank regarding a new savings account that was opened in my name. I did not open this account. I contacted BMO Harris immediately and informed them that this was fraudulent. I then filed a report on XXXX. A report pulled from XXXX showed that a fake California driver 's license was used to open this account. I provided this information to the BMO Harris fraud department. I never received a follow-up from them and was unable to speak with anyone at the fraud department despite trying to contact them several times. On XX/XX/2022, I saw on my credit report that a credit card had been opened in my name at BMO Harris bank. I did not open this credit card. I filed a police report and again contacted the BMO Harris fraud department and provided them with the police report number. The person I spoke with at the fraud department recognized these accounts as fraudulent. They also informed me that is was there policy to not contact consumer who filed identity theft claims and that I must contact them for updates. However, there is no direct line to the fraud department. I've called the main customer service line multiple times and even they were not able to speak with someone from the fraud department on multiple occasions. I also filed a dispute with the three major credit bureaus regarding the fraudulent credit card account and fake address used on my credit report. However, the all three denied my identity theft claim and stated that the credit report was accurate, despite all the evidence to the contrary.

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 2022-08-08 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: Prince Parker & Associates
State: NJ

Complaint narrative:
I have written PRINCEPARKER which says I have a debt of {$4300.00} multiple times asking to verify this information and to show me the original copy of me and the Creditor contract with my signature they have failed to respond to me it has been over two months which violates my rights under the FCRA I am a victim of identity theft and this false information on my credit report is stopping me from achieving my goals

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Kirschenbaum & Phillips P.C
State: NY

Complaint narrative:
My Wife received a supena letter from their law firm for her to fill out my residency status at our home about this debt. 
I have made contact to the original creditor and stated the account is closed so not sure why they are contacting my wife on an account closed and I believe this is illegal as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: AR

Complaint narrative:
NUMEROUS LETTERS FROM RESURGENT CAPITAL SERVICES, AND NUMEROUS OTHER COMPANIES LIKE, LVNV FUNDING INC, THAT RESURGENT CAPITAL SERVICES IS DOING BUSINESS AS CONCERNING A CREDIT CARD DEBT FROM 20 YEARS AGO THAT WAS CHARGED OFF 15 YEARS AGO. I HAVE COMMUNICATED MANY TIMES WITH RESURGENT AND RESURGENT 'S OTHER COMPANIES, THAT THIS IS NOT MY DEBT AND TO PLEASE STOP. RESURGENT ET ALL CONTINUES TO USE THE US XXXX XXXX TO HARASS ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Midland Credit Management DOES NOT have first-hand knowledge of the account and failed to furnish the original wet ink signature of the assumed debt. 

Midland Credit Management is NOT in compliance with the Fair Debt and Collection Act. 

Midland Credit Management violates Federal 15 USC 1681-B. They DO NOT have permission to access my personal information such as my social security number. 

Midland Credit Management Inc. violates Federal Law according to 15 USC 6802 which states that a financial institution may NOT sell any personal information to a third party or affiliate. Midland Credit Management is reporting illegal activity when reporting my personal information. 

Midland Credit Management provided insufficient information ( per my request ) prior to the last hearing and was unfairly given another opportunity by the Judge to provide said information again which they failed to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: VA

Complaint narrative:
I paid the property tax bill for this mortgaged property in error on XX/XX/22. The Treasurer 's Office for XXXX XXXX, VA sent a refund check in the amount of {$1000.00} to Citizens Bank on XX/XX/22. After multiple calls to Citizens Bank Customer Service between XX/XX/22 and XXXX, we have only received a refund of {$820.00} despite the fact that all loan payments ( including the escrow portion ) have been made in full and on time for the last 4 years. There is no justification for withholding a portion of this reimbursement in the escrow account controlled by the bank. There were sufficient funds in the escrow account when they made the tax payment, and they have been fully reimbursed by the taxing authority. 
Please assist us in receiving the full reimbursement we are owed. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ARS National Services, Inc.
State: LA

Complaint narrative:
XX/XX/2022 I received a letter from a company called ARS National Services Inc. stating that this was an attempt to collect a debt for XXXX. I replied with a validation letter on XX/XX/2022, asking that the company please provide me with validly giving them 30 days from when they received the letter. ARS National replied XX/XX/2022 not taking the full 30 days to investigate they replied with the same settlement letter they sent before giving me 3 options to choose from. I then replied back with a failure to validate letter asking that they please provide validly within 15 days of them receiving the letter. They still have failed to provide me with validly so they are agreeing that this debt is false and I would like this removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This is a follow-up on complaint XXXX in which Equifax claims an erroneous record on my credit report doesn't exist. The account XXXX XXXX XXXX XXXXE XXXX still exists on my credit file with Equifax as of XX/XX/2022, I verified this using my.equifax.com. This account is over seven years old and needs to be deleted immediately. Equifax refuses to respond to disputes. XXXX and XXXX already deleted this months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have sent numerous documents to XXXX, XXXX, and Transunion and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

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 2022-08-08 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have sent numerous documents to XXXX, Experian, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

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