vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I previously submitted 2 request to have a collection account that was reported on my credit on XX/XX/2021 from a company named XXXX  XXXX XXXX to be investigated since I am a active servicemember with full insurance. The Credit Bureaus, XXXX and Transunion claimed to have verified the debt, so I followed up with a request for verification from them and the Company which reported the Debt. The company XXXX XXXX has not sent me verification requested and it is pass 30 business days. Nor, has the credit bureau given the requested information. I have a rights under FCRA to see the information that is being reported and verify the documents are in fact mines and error free. I have submitted them verification that I should not have a medical debt when I have full insurance that pays 100 percent of medical expenses. I have requested this be removed from my credit file as the insurance and medical provider must settle any debts as a part of my coverage. This further hurting my credit file and inaccurate representation of me as a consumer. I have requested twice that my file be update. XXXX is reporting a medical debt similar with no information provided to counter the account. This is poor work ethic on behalf of the credit bureaus and costing more financial strain to have to resubmit verification of accounts that have already been provided the proof necessary that they are inaccurate. Instead, they are updating the accounts and not speaking to the consumer or providing their methods of 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 2021-07-05 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: MS

Complaint narrative:
I previously submitted 2 request to have a collection account that was reported on my credit on XX/XX/2021 from a company named XXXX XXXX XXXX to be investigated since I am a active servicemember with full insurance. The Credit Bureaus, Experian and XXXX claimed to have verified the debt, so I followed up with a request for verification from them and the Company which reported the Debt. The company XXXX XXXX has not sent me verification requested and it is pass 30 business days. Nor, has the credit bureau given the requested information. I have a rights under FCRA to see the information that is being reported and verify the documents are in fact mines and error free. I have submitted them verification that I should not have a medical debt when I have full insurance that pays 100 percent of medical expenses. I have requested this be removed from my credit file as the insurance and medical provider must settle any debts as a part of my coverage. This further hurting my credit file and inaccurate representation of me as a consumer. I have requested twice that my file be update. XXXX is reporting a medical debt similar with no information provided to counter the account. This is poor work ethic on behalf of the credit bureaus and costing more financial strain to have to resubmit verification of accounts that have already been provided the proof necessary that they are inaccurate. Instead, they are updating the accounts and not speaking to the consumer or providing their methods of 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 2021-07-05 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: OH

Complaint narrative:
I have been receiving phone calls from the same debt collector for over 2 months with repetitive phone calls everyday even on the weekends. I receive 3-4 phone calls a day, starting at XXXXXXXX XXXX - XXXX XXXX and I have continued to receive them even after asking the company to please stop calling so much. I dont care that they call its the fact that they call all day long asking the same questions as if the person before didnt note the account. Im so frustrated with this continuous bothersome calling.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-05 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Kimball, Tirey & St. John LLP
State: TX

Complaint narrative:
The collection debt noted as Kimball St Trey and John LLP is 6 months past the California statute of limitations and can not be legally pursued and or collected. However this company still has it on my credit as an open collection and are still updating the balance. The collection opened on XX/XX/XXXX and as of XX/XX/XXXX was a time-barred debt and should have been closed and removed. 

California has a statute of limitations of four years for all debts except those made with oral contracts. For oral contracts, the statute of limitations is two years. This means that for unsecured common debts, lenders and debtors can not attempt to collect debts that are more than four years past due as it is against the law and is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 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: 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, XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 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 — Card was charged for something you did not purchase with the card
Company: Netspend Corporation
State: NC

Complaint narrative:
I had 2 unauthorised dedits from my netspend card.one on XX/XX/XXXX for XXXX and one on XX/XX/XXXX for XXXX.i filed a complaint with the company and supposedly their investigating transaction fraud.their dragging their feet

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 2021-07-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XX/XX/XXXX I requested that Bank of America pay our supplemental tax bills. I emailed Mortgage Representative XXXX XXXX copies of our supplemental tax bills on XX/XX/XXXX, and she called me to follow up that Bank of America would pay them out of our escrow account. The total amount of {$5800.00} was debited from our escrow account on XX/XX/XXXX and shows up as a tax disbursement to XXXX XXXX XXXX. 

Bank of America wired that money to their vendor, XXXX, which wrote a physical check to the XXXX XXXX XXXX in XXXX XXXX for {$1100.00}. That check bounced in XX/XX/XXXX and the county sent it back with a returned check fee of {$25.00} to XXXX. 

While the county was processing that bad check, XXXX sent a second check to them for {$5800.00} ( Check number XXXX ). This check was for the correct amount but was sent back uncashed by the county on XX/XX/XXXX because the initial, bounced check was still processing This process extended past the due dates for the taxes and penalty fees were incurred. 

After the money was taken out of our escrow account in XXXX, I made payments to the account to bring it back up to XXXX. The tax bill was never paid by Bank of America. On XX/XX/XXXX, we directly paid the XXXX XXXX XXXX XXXX {$6000.00}, which included late and penalty fees incurred by Bank of America and XXXX. 

We have contacted Bank of America on multiple occasions in an effort to resolve this issue and return our money along with the Penalty Fees incurred. On XX/XX/XXXX, I was told by a representative in the Bank of America mortgage department that Managing Representative XXXX XXXX would contact us within 72 hours. He failed to do so. On XX/XX/XXXX, I contacted XXXX directly and transmitted instructions back to a different Bank of America representative on how to regain control of the funds. Bank of America has, on multiple occasions, explicitly refused to provide direct contact information to any individual in their Mortgage Department, and I have no way to determine whether they are fulfilling their obligations. However, so far they have missed every deadline and milestone date provided. I am filing this complaint to ensure accountability and to ensure that the entire sum of {$6000.00} is placed into our Escrow Account. This includes the Penalty and Late Fees incurred, which I insist are the responsibility of Bank of America to pay.

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 2021-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Experian XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX To Whom It May Concern : It has come to my attention that a creditor has marked one of my current Credit Accounts as Late. This would be considered inaccurate. I would like to have this investigated and removed. I have never been late on my payments. XXXX XXXX has listed my main account as late during the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
This would be inaccurate as I have always paid the bill in full and on time. 
XXXX XXXX even offered to open a second card in my name in honor of my great payment history. Which they did! And it reports to the bureau as pays on time! 
Please remove these late marks, immediately Home Address : XXXX XXXX XXXX XXXX XXXX 
XXXX XXXXXXXX XXXX NC XXXX Accounts : XXXX XXXX XXXX - LATE : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ACCT # XXXX Once the fraudulent information has been removed, please send me a copy of my corrected credit report. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX EMAIL : XXXX SSN:XXXX - DOB : XX/XX/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 2021-07-05 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: GA

Complaint narrative:
I XXXX XXXX was dismayed and disturbed today XX/XX/2021 after I reviewed a copy of my consumer credit report from the Consumer Credit Reporting Agencies : TRANSUNION, XXXX, and XXXX. Pursuant to US Code 1681a ( q ) ( 3 ) the term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation. I am a victim of Identity Theft! Pursuant to 15 US Code 1681c-2 ( a ) " ... 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. '' I have filed an Identity theft report, and provided the Agencies with my identification. I also will like for them to remove and block XXXX XXXX ACCOUNTS : XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX : XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. PLEASE BLOCK AND REMOVE THE ABOVE ACCOUNTS FROM MY REPORT. THANK YOU I have attached affidavit of truth and invoice. I would like like to be compensated for the violation of these laws Pursuant to US Code 1681

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 2021-07-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I paid a contractor by the name of XXXX XXXX a duplicate payment of {$3600.00} via XXXX on XX/XX/2020 in which I asked my credit card company to refund the duplicate payment. I provided proof of the paid invoice signed by both myself and the contractor. I also provided a copy of the email he sent in which he requested for a refund to be made to me as he confirmed I didn't have a balance outstanding. Instead of refunding a refund, Capital One provided a chargeback and has since been charging me interest on a balance I didn't owe. I have spoke with both XXXX and Capital One to get the issue resolved. At this point XXXX said they are willing to refund me my money once Capital One reverses the chargeback that occurred in XXXX of XXXX and provide proof other than my billing statement to show where the money was returned back to XXXX. XXXX has taken the position that they are yet to receive or be able to track the money that was supposed to be sent back to them and are awaiting proof of the funds that were supposedly send to XXXX from Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 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: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
The company has entered a collection from a landlord during the pandemic. The XXXX form was given to the company regarding the address. There is a debit listed now which is causing a housing issue for future renting. The amount is not correct, the unit could not be used during the time and there were issues with the water which remained unresolved. The unit was unlivable during the pandemic. There was harassment and the landlord entered the unit continuously and there was no way to stay in the unit during the pandemic regardless of there being a rent moratorium. There were issues with the electricity and the landlord was unusually aggressive and argumentative about these issues. There was no stay for the time period which the collection is being made, and there was no drinking water from the faucets, the toilet didn't flush, the lights turned off on their own, there was an electric panel where the lights had been shut off then the landlord or maintenance would enter and unplug things inside the unit. The collection is an illegal collection and no payment arrangement was even offered. The washer dryer in the laundry room was unplugged when clothes were put in it to wash and use was not allowed by the landlord. There were things broken inside the unit and constant harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 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:
On XX/XX/2020 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 30 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 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:
XXXX XXXX is not showing me how this is my account when I properly reported identity theft to the FTC. I have been disputing this account since XXXX when I found out about it. My information was taken and used to open a loan on a car as a joint co-signer. I gave no one permission to go in my personal belongings and take my information and sign my name and use my information to do anything. Im tired of dealing with XXXX XXXX to no avail because they are trying to pin something on someone when I was not even there. This is really hurting my life and I keep fighting it and fighting it, because these people used my information without my consent they are going to pin this on me. XXXX XXXX needs to be shut down. I have been disputing this with Equifax as well to no avail. This company keeps changing the remarks on the account open closed, late this is not my account I should not have to suffer for this fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 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: Synovus Bank
State: MA

Complaint narrative:
I was never late on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
Commonwealth Is slamming my credit report with bullying tactics for a so called debt that I do not owe. In the past months they have plagued my credit report with 3 different derogatory marks for exactly the same amount, {$1900.00} ( no change ) First was XXXX on XX/XX/2021 and then thru XXXX on XX/XX/XXXX and also on the XXXX of XXXX. Something else I found strange is that my credit report was also hit by XXXX XXXX XXXX on XX/XX/XXXX of XXXX with the exact same charge of {$1900.00}. All of these Fraudulent charges stem from an old Fictitious medical bill for services that were never rendered. I do not owe this bill and I should not be harassed for it. I have beat these collection agencies repeatedly in the past and I do not understand why it keeps coming back. How they repeatedly get on my credit report is Absolutely Ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Big City Finance, LLLP
State: TX

Complaint narrative:
I have an existing loan with Power Finance. I received an email on XX/XX/2021 stating : Borrow more money today! Need more money? 
Refinance today! You have an additional {$98.00} available to you! 

The email provided a log into my account option. Once there, however, there was no tool to take advantage of the additional funds. I called. The message stated the office was closed for the holiday. 

I received another email today ( XX/XX/2021 ) stating : Borrow more money today! Need more money? 
Refinance today! You have an additional {$74.00} available to you! 

Again, the email provided a log into my account again ; and again, there was no tool to take advantage of the additional funds. I called. The message stated the office was closed for the holiday. 

So, there were two offers, but no tool available to take advantage of the offer and the telephone message stated the office was closed for the holiday. 

I went ahead and reapplied for a {$100.00} loan and was approved. The problem with taking this step is that my bi-weekly payment is now increased from what it was. If the online option had been available as was implied, my payment would not have increased since it was a simple increase to the loan 's bottomline based on the amount I had already paid off.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Berlin-Wheeler, Inc. (Kansas)
State: NV

Complaint narrative:
Filed identity theft, called the company about it, called the collection company about it, and at this point it was not resolved, and it is still on my credit report, THATS down on my score

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 2021-07-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
My Credit was ran with this company without my permission.

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