vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-18 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: VA

Complaint narrative:
I provided copies of cancelled checks to Trans Union as proofs that XXXX XXXX XXXX had received on-time payments for XXXX and XX/XX/XXXX and requested Trans Union remove false statements initially reported as missed, and 30 days late for XX/XX/XXXX. I also requested that all reports of missed and late payments filed with the bureau by XXXX XXXX XXXX after the sale of the property in XX/XX/XXXX, and closure of the account in XX/XX/XXXX be removed and the credit report and score corrected. 
Between XX/XX/XXXX and XX/XX/XXXX XXXX  XXXX XXXX filed several missed and late payments. On XXXX XX/XX/XXXX Trans Union decreased the credit score " 77 '' points. On XXXX XX/XX/XXXX the bank removed the missed payments and added new late payments and Trans Union increased the credit score by " 1 '' point. 
On XXXX XX/XX/XXXX XXXX  XXXX XXXX reported additional missed payments and Trans Union continues to accept false statements despite the fact the bank reported the account closed to the bureau on XXXX XX/XX/XXXX. To date, neither the bank or the credit bureau has made a conscious effort to correct the 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 2021-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Account Management Services, Inc.
State: CA

Complaint narrative:
I have an unknown collection account on my credit.I was not contacted by the collection agency so I was not aware of the debt until I viewed my credit. I called and was not able to reach anyone so I sent them a letter by priority mail which they have received. To date, the account remains on my credit and I have yet to get a response from them. However, the bureau alleges the account has been verified as belonging to me when it doesn't.

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 2021-02-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Durham & Durham, LLP
State: GA

Complaint narrative:
A company called Durham and Durham sent me a letter a couple of months ago about a bill that I was unaware of. I sent a letter to them requesting validation of the debt in XXXX through certified mail that the company received on XX/XX/2021. I did not receive validation of this debt. However, the company sent me a typed out letter filled with typos and also that included a HIPPA violation with a procedure code and diagnosis code. I am not sure how they received this information, but this is definitely a HIPPA violation of my privacy rights. I have attached the document to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
Was mailed a fraudulent collection letter. Not owed. I have no collections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX, I closed on a cash-out refi with Loan Depot. The funds paid to me and to payoff my previous mortgage were to have funded within 5 business days ( by XX/XX/XXXX ) and I prepaid interest on this loan accordingly. For no explained reason, they did not fund until XX/XX/XXXX. Given I paid per diem interest on my old mortgage that was supposed to be paid off, and to my new mortgage which I prepaid since mid XXXX, I was essentially double charged interest. I've made numerous attempts for them to address this and have been ignored. They simply won't respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: TX

Complaint narrative:
In XX/XX/XXXX, I contacted Conn 's to confirm payoff date for XX/XX/XXXX. So on Friday, XX/XX/XXXX, I contacted Conn 's to confirm the latest payoff but told my account has an additional {$1000.00} to the existing {$1400.00}. I asked why and Conn 's rep. told me that payoff due XXXX and payment late for this month. I informed Conn 's repeatedly that its store salesman XXXX errored when setting my payments ( 2 ) to beginning of month. He deceived me by saying it had been taken care of. However, as early as yesterday and today XXXX XXXX XXXX and XXXX ) Conn 's " collections '' reps. have been contacting me. Here are my concerns : 1. XXXX, Texas has been under a freeze of a lifetime, shutting down electricity and water, leaving 1.4 million households without help. 
2. No funding as the result of a week-long shutdown 3. Conn 's never provides support to disaster issues while saying it does. 
Not one Conn 's rep. has offered help but demands payments despite hardships. 
4. Busted water pipes, spoiled food and dealing with warmth are my priorities now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: KS

Complaint narrative:
On XX/XX/XXXX I opened a new checking/savings account with Citi Bank. I made an initial deposit to the account on that date and set up direct deposit through my employer who started making deposits every Friday. I then received my stimulus check and deposited it to my account on XX/XX/2021. On XX/XX/2021 I attempted to pay for my medication that I am required to take daily to keep me alive and my debit card was declined. I called Citi Bank and was advised there was a fraud concern on the account and that it was being reviewed by a " back-office team '' that can not be reached via phone and I would just have to wait 24-48 business hours for a response. It is now XX/XX/2021 and they still have not communicated with me, gave me access to my funds which total {$670.00} and keep giving me a different answer everytime I call. I have been calling 2 or more times a day trying to get access to my money and keep being told to call back in 24-48 hours. I have not been able to eat, or get my medication in 8 days and can not get any help from the bank or answers. They did not notify me my account was being blocked and just locked the account, will not tell me why it was locked, or are willing to help find a solution. I have taken it to social media to which their online team said " I am sorry we can not help you just keep waiting ''. They have also locked me out of my online access so I am not able to even see if my money is still in my account.

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 2021-02-18 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: NY

Complaint narrative:
I am a victim of Identity theft. My ex husband had my information and opened a bunch of credit cards in my name. I never had the need for credit until I needed to utilize it to purchase my first rental property. I contacted the consumer reporting agencies and they disregarded my dispute. They are supposed to block and remove all the accounts as indicated on my Identity theft report and have disregarded me. This is defamation of my character as I never opened these accounts in my name. My ex husband has left the country and has left me with all of this fraud. I have so much fraud on my report I don't know what to do.

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 2021-02-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC
State: WI

Complaint narrative:
I have submitted 3 online requests to XXXX for my mortgage payoff statement. I submitted requests XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. XXXX sent an email the same days confirming the requests were received. As of today XX/XX/XXXX they have not provided me with the pay off statement so I can not refinance my mortgage. Instead they have been sending me refinance emails to refinance thru them. I called their customer service 3 times today. ( XXXX ) XXXX the customer service rep transferred me to a company not associated with them. The company could not help me and said XXXX has been doing this alot. XXXX I call customer service again and was hung up on. XXXX I called again and the customer service rep. XXXX said they would email it to me today. It is now after XXXX and they have not sent the pay off letter. 
I am stuck because i need the letter so I can have my home refinanced thru another lender. 
I need your help. 
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 explanation
Consumer complaint received 2021-02-18 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: CA

Complaint narrative:
XX/XX/XXXX, I disputed the account for XXXX XXXX  - XXXX XXXX XXXX XXXX it shows as open and I'm currently late. The account was closed and sold in XXXX or XXXX. I paid the new company in full in XX/XX/XXXX. Both the company and the credit reporting agencies ( XXXX  and Transunion ) continue to report inaccurate information, even after I've provided them with the correct and updated information. XXXX XXXX XXXX, XXXX provided me a letter stating, the account has been sold, but they continue to update with erroneous information. 

XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX $ XXXX Paid XXXX XXXX XXXX XXXX XXXX XXXX account was sold to ) in XX/XX/XXXX Notified XXXX, Transunion , and XXXX  XXXX XXXX in XX/XX/XXXX and again XX/XX/XXXX to correct credit report. 
XX/XX/XXXX - XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX updated erroneous information again.

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 2021-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BBVA FINANCIAL CORPORATION
State: AZ

Complaint narrative:
My account was closed because of a shared account being negative {$27.00} that I opened for my son and therefore I didnt access or monitor it. I was told I had until XX/XX/XXXX ( until midnight ) to retrieve any and all funds. On XX/XX/XXXX I called to explain I just found out my sba ppp loan was being deposited into that account on XX/XX/XXXX and it couldnt be stopped or changed. I begged to please give me 1 more day so I can retrieve the funds. However at least I had all day on XX/XX/XXXX to retrieve funds. When trying to retrieve funds I was denied after {$500.00}. Upon calling customer service, I was told I was informed incorrectly. That my account was now closed and had to wait for them to send me a check! I asked 3 different representatives to speak to a supervisor and was told each tilt that no I could NOT speak to a supervisor or manager. I called 3 more separate times trying to explain how COVID affected my business and how not having access to this money would not only affect me but my employees because it would force me to close my business without these funds. I also stated that according to their statement online that they would help in any way their customers during this time werent doing ANYTHING to help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.

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 2021-02-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
I have a loan that has been paid off according to my payment statements and payment report. I was told that 10 extensions were put on my account and I have zero information on 8 of them. Additionally I was told that I have a XXXX balances 2 payments shy of the the loan pay off. No explanation has been provided to me and nothing of proof regarding the extensions. The remaining balance is substantially high, I asked what options do I have on top of proof and explanation, I was told by a supervisor I would be fine because a settlement was going to be available but was then told that they dont do settlements. So now my loan which would have been paid off by now is almost half of the total do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One is in violation of the Fair Credit Reporting Act. Which is section 603 ( 2 ) Exclusions. A consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. ( the person citing Capital One ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. 

That is two violations. I can cite more but I hope Capital One understands that they violated my rights and is a defamation of character because it is a violation of my right to privacy as well. I will attach the direct verbiage from the fair credit reporting act. I can also seek compensation up to {$1000.00} for each violation under the fair credit reporting act alongside the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grant Mercantile Agency
State: CA

Complaint narrative:
This report is on my credit statement. I spoke to the debt collector and they directed me to this website. This account does not belong to me and does not represent a debt that is owed by me. I have not had any medical imaging done on or around the dates that are listed back in 2017. This is fraudulent and I will not allow this to be in collection from me. 

XXXX XXXX XX/XX/2017 XXXX {$120.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: NC

Complaint narrative:
Since XX/XX/XXXX, I have set up Auto Pay to pay my monthly mortgage payment to Lake View Loan Servicing LLC Subservicing by XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, VA XXXX ; Phone : XXXX ). This month ( XX/XX/XXXX XXXX I have noticed that Lake View Loan Servicing LLC XXXX did not make any attempt to charge my checking bank account for the XXXX payment despite of sufficient funding in my account. I have tried hard to contact their toll free number waiting on the phone line for 30 minutes to one hour with no opportunity to talk to a customer service representative. I now realize that I have been assessed a late fee for the amount of {$46.00}. I have set up a one time payment to pay for the XXXX charge plus the late fee but I am baffled to find out why Lake View Loan Service LLC XXXX did not make any attempt to take out the monthly mortgage payment automatically from my bank account this month and then charged me {$46.00} for late penalty. I think there is a glitch in their system which I don't know how to find out because there is no one in their company to answer my phone.

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 2021-02-18 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and USAA Savings Bank and XXXX. The Account Opened is USAA Savings Bank Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$16000.00}. The Account Opened is USAA Savings Bank Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX. The Account Opened is XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$9000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 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: DISCOVER BANK
State: CA

Complaint narrative:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX XXXX  and Discover. The Account Opened is XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$16000.00}. The Account Opened is XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX. The Account Opened is Discover Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$9000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-18 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: MD

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX contacted me back in XX/XX/2020, that they had a glitch in their system. And incorrectly put a 30 days late on my Visa credit card account. XXXX and Transunion reported the 30 days late and dropped my scores XXXX points. They said that they would fix the issue and they did a month later. Since then, it keeps showing back up on the same two bureaus. I just got denied by XXXX because of this and a few months ago, it wasn't on my credit report. There's something wrong with XXXX  system because it goes away and keeps coming back. This has destroyed my financial life for a Year!!!!!

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 2021-02-18 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: TX

Complaint narrative:
I settled a debt with a collection agency representing XXXX on XX/XX/2021. Attached is the entry from my credit card provider for the settled amount. 

I have made XXXX requests with TransUnion to correct my credit report ( also attached ) and both times they have settled the dispute stating the item is accurate. 

I just want my credit report to report correctly and it's apparent that TransUnion has yet to take my dispute seriously.

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 2021-02-18 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: NY

Complaint narrative:
These are not my accounts. Please remove them. I had disputed with the creditor as well. XXXX - Claims true identity fraud/account fraudulently opened.

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 2021-02-18 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: NY

Complaint narrative:
These are not my accounts. Please remove them. I had disputed with the creditor as well. XXXX - Claims true identity fraud/account fraudulently opened.

Company response to consumer: Closed with explanation