vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
On XX/XX/2020 I submitted a request for debt validation to Portfolio Recovery Associates in accordance with FCRA regulations. Portfolio Recovery Associates failed to provide the necessary and required documentation to validate this debt, yet they failed to remove this derogatory mark from my credit reports as required by FCRA regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04 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: FL

Complaint narrative:
The credit bureaus have over XXXX variations of my name collectively. I have never used any other names to secure credit except my legal name. In the history of my credit my report should only reflect XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. I have not used any other names and would like to have my credit file updated. Within the XXXX  months that name variation increased on my 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 2021-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/2020 I submitted a request for debt validation to XXXX XXXX XXXX in accordance with FCRA regulations. XXXX XXXX XXXX failed to provide the necessary and required documentation to validate this debt, yet they failed to remove this derogatory mark from my credit reports as required by FCRA regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
JP MORGAN CHASE BANK IS CHARCHING ME AN ABUSIVE FEE FOR WITHDRAWING FUNDS OUT OF MY OWN ACCOUNT. XXXX FOR A XXXX WITHDRAWAL, EVEN WITH FUNDS AVAILABLE IN MY CHECKING ACCOUNT. I UNDERSTAND THERE IS A FEE WHEN PULING MONEY AT ANOTHER FIANACIAL INSTITUTION USUALLY LESS THAN XXXX DOLLARS. I BELIVE THIS PRACTICES ARE ABUSIVE AND UNFAIR TO CONSUMERS. 

REPRESENTATIVE SOPOKE WITH AT XXXX IS XXXX XXXX AND THE COMPLAINT NUMBER IS XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Nicholas Financial Inc.
State: FL

Complaint narrative:
I took out an auto loan in XX/XX/2020with Nicholas Financial, acct # XXXX XXXX XXXX phone # XXXX XXXX XXXX. Since the origination of this loan my payment dates and application of my payments have been incorrect. In the beginninng, they told me my payment was due on theXX/XX/XXXX. Now its on the XX/XX/XXXX. Moving along, they are now telling me that they will reposess the car if they dont receive 2 full payments by XX/XX/XXXX as Im 90 days late. Wrong. First of all, in the attached documentation from Nicholas, it says that my next payment due date is XX/XX/XXXX. That being said, I wont be 90 days late until XX/XX/XXXX. 

Regardless, pleae review all of the attached documentation and you will see that they are not giving me credit for my payments forcing me into delinquency which is affecting my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
The summary judgment acquired by the bank must be set aside as a matter of law. sps contends that we do not have any merit to ur complaint. Unless you can't read english or incompetent, or have an IQ laser then 1 % then you would agree with sps. see attached motion. The judgment contains an increase on the loan amount. Taxes were not paid pursuant to XXXX stat. XXXX ( XXXX ), XXXX ( XXXX ) ( b ) on the loan increase rendering the judgment a void. sps never had any enforcement. The court does not have jurisdiction over the matter. See attached motion and take the necessary action. sps must be sanction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04 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: WV

Complaint narrative:
On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section XXXX ( a ), states that a failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report its been over XXXX days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and 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 non-monetary relief
Consumer complaint received 2021-12-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
I paid off my loan on XX/XX/XXXX. As part of that I was entitled to a payoff statement, cancelled note, and escrow refund of {$4100.00}. I have not received any of those items, although I did receive an escrow disclosure statement confirming that I was entitled to the refund on XX/XX/XXXX. As of XX/XX/XXXX XXXX is refusing to reissue a check ( they provided me a tracking number indicating that it is " lost '' in the mail ). They have indicated they will not consider reissuing a check until it is lost in transit for more than 30 days. I don't believe this complies with the rules of timely refunding my escrow, considering they could easily cancel and reissue the check if it is in fact lost.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
This bank is crazy Im a loyal customer I pay them on time I go to put gas and my card wasnt working when it always does and when I call them to find out why they say my account was closed!! I never closed it and the reason too customer service said it doesnt make sense if I was making payment on time this is not fair my account must be reponed immediately with covid the mail is backed up but that isnt my fault I still mailed my payments each month

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 2021-12-04 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: LA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Accounts : XXXX XXXX & XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$210.00} CAPITAL BANK XXXX Balance : {$140.00} XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX Balance : {$340.00} Inquiries : XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04 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: SC

Complaint narrative:
XX/XX/2021, {$100.00}, XXXX XXXX NC XXXX is reporting to Equifax inaccurate. Consumer law 15 U.S code 1692f Unfair practicies A debt collector MAY NOT use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a VIOLATION of this section : ( XXXX ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. A CHARGE OFF ACCOUNT SHOULD REPORT A BALANCE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
Select Portfolio Services is my Morgage company. 
When covid hit, my 3 hair salons were shut down taking my family income to zero. I called SPS and they offered 3 months deferment, said we will figure this out. After those 90 days I received a bill that all the differed payments and current month was due. I called and said I could not pay all that now can we put on back end, no. SPS told me not to worry applied for Morgage assistance that I was a great canidate. I said ok and applied and got all the required documents in asap. SPS would come back weekly asking for more documents, usually something I add already given them or explained. They asked me 10 times how much of the company I owed, I had written it on p & l and documents and it's on tax return 9 times before that. It felt, they were trying to push it out till I was so far under water that I could not pay the back Morgage if the modification was denied. I was finally totally reviewed and was denied for modification or repayment last week. I did an appeal it was denied with in 24 hours, saying this account is not available for appeal on modification. My loam is not owned by fredimac of frannymay, it is a private investor who says no. I don't feel SPS worked on my modification in good faith.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diaz & Associates, Inc.
State: CO

Complaint narrative:
Diaz & Associates sent me a collection letter for debt that is not mine. I have no outstanding debt, besides student loans. I googled this company and there many others who received similar letters for debt that is not theirs. This company is attempting to scam hundreds or perhaps thousands of people.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
My score dropped suddenly yesterday by 10 points and your report shows no explanation whatsoever for the drop. I need this explained or fixed right now. PLEASE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04 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: LA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Accounts : XXXX XXXX & XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Original Creditor : XXXX CITY OF XXXX XXXX XXXX ) XXXX Balance : {$310.00} XXXX XXXX XXXX Balance : {$140.00} FST PREMIER XXXX Balance : {$520.00} XXXX XXXX Balance : {$15000.00} Inquiries : XXXX Date of inquiry XX/XX/2020

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 2021-12-04 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: Account Control Technology, Inc.
State: TX

Complaint narrative:
ACCOUNT CONTROL TECHNOLOGIES recently began reporting Account number XXXX as derogatory on my credit report, after I initially requested validation of this debt a year ago. To this date, I have yet to receive validation of the debt. It was however removed until recently. 
XXXX, Account Control Technologies, and the original creditor, XXXX XXXX failed to provide debt validation in the time allowed by the FCRA. As such, this derogatory, and unverified information should be immediately removed. 

This debt was never even mine as it belonged to my son. Upon speaking with XXXX XXXX they removed this debt from my name and placed it in my son 's name which was paid off. 

Account XXXXontrol Technologies is further breaking the law by reading this debt on my credit report claiming the account creation date of XX/XX/2021. This is obviously false, as it was originally an account that was not mine with XXXX XXXX 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 2021-12-04 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: AZ

Complaint narrative:
I sent in investigation request with no results to get fraudulent information removed i have also contacted creditors with no results or call backs please have a complete investigation done to remove the fraudulent accounts and inquires XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX 
{$1000.00} Balance updated XX/XX/XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$1100.00} Balance updated XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXs Inquiry date XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry date : XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX, Used Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Used Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Used Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Used Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX - non specific Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX 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 non-monetary relief
Consumer complaint received 2021-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have noticed unauthorized inquiries on my credit report. My social security number was use for personal gain. 

According to the FCRA { Fair Credit Reporting Act }, legally these unverified and unauthorized item Must be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Bank XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX recently began reporting Account number XXXX as derogatory on my credit report, after I initially requested validation of this debt a year ago. To this date, I have yet to receive validation of the debt. It was however removed until recently. 
Experian, Account XXXX XXXX, and the original creditor, XXXX XXXX failed to provide debt validation in the time allowed by the FCRA. As such, this derogatory, and unverified information should be immediately removed. 

This debt was never even mine as it belonged to my son. Upon speaking with XXXX XXXX they removed this debt from my name and placed it in my son 's name which was paid off. 

Account XXXX XXXX is further breaking the law by reading this debt on my credit report claiming the account creation date of XX/XX/2021. This is obviously false, as it was originally an account that was not mine with XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA

Complaint narrative:
I Got A Letter In The Mail From Department Of State Saying I Receive {$1700.00} With Bank Of America, I Have Not Open An Account With Bank Of America, Now I Can't Receive Any Government Assistants. This Has Made My Life A Bit Harder Now With The Pandemic.

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 2021-12-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
After a dispute with two items on my credit report, the creditor agreed on XX/XX/21 to remove the two items from my credit report. The items were not removed. I again disputed them to show that creditor agreed to remove them but now they are saying the information is verified as accurate. How can they say that when they had agreed to remove them. The original creditor was XXXX XXXX Bank for both accounts. The amounts were {$1200.00} & {$1400.00}. Now the account is listed under LVNV FUNDING LLC C/O XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: OH

Complaint narrative:
I started dispute ( XXXX ) on multiple Transactions in my credit card account starting in XX/XX/2021. Discover said they would look into the disputes and gave me my money back from these transactions. 3 months later they reversed all the disputes and said I owed them. The entire three months they reported balances on my consumer credit report. I told them they committed multiple violations under Title XXXX Chapter XXXX XXXX ( B ) and ( d ) Correction of Billing errors by taking more than XXXX billing cycles to finish the investigation, reporting to my consumer credit report the entire time incorrectly stating I owed a balance when in fact I disputed the transaction thus ruining my consumer credit report and once I brought up that issue they said they are going to close my account if I dont provide my Social Securty Number for authentication purposes. I demand payment of {$6000.00} for all the violations and my account to remain opened because I never gave them permission to attempt or to close my account.

Company response to consumer: Closed with explanation