vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
While checking my most recent credit report, I noticed credit inquiries that i did not authorize, made by the following companies. i did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you.

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 2020-11-03 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: CA

Complaint narrative:
I XXXX XXXX XXXX XXXX have been a victim of identity theft and am writing to request that you block this item from my credit report. I never initiated this account nor do I have a contract with your company XXXX XXXX, XXXX XXXX. This item is fraudulent and needs to be removed. " The Fair and Accurate Transaction Act of 2003 '' requires you to block and delete any information that was the result of identity theft FACT Act Section 152 FCRA section 605B. The law states that you have 4 business days to complete this request.

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 2020-11-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C.
State: CA

Complaint narrative:
I disputed the charges and this company says the debt is mine. I never had a credit card with the original creditor and have already contacted them as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Reali, Inc.
State: CA

Complaint narrative:
On XX/XX/2020, I requested that Reali Loans Inc. sent me a payoff statement good through XX/XX/2020. I have not been able to reach anyone at Reali who will do this. 

I have made two calls to the number listed on the First Payment Letter, XXXX, but no one could provide me with a payoff statement or the loan servicing department. I also emailed XXXX XXXX ( Vice President of Operations ), XXXX XXXX XXXX closing, post closing, or MERS  ), and XXXX XXXX. I also mailed the request. 

I checked MERS, and Reali is the servicer for my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Someone used my personal information to open a fraudulent account that resulted in a charge off on my credit.I didnt open this account and didnt know of its existance until I received an alert on XXXX XXXX that I have a charged off account. 
Please see the attached Federal Trade Comission report and remove this account from my credit profile as its NOT MINE> I paid the balance that was due

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/15 there was a judgment that was put on my credit report that I have been saying all along was false information that I had my proof it was satisfied when I went to court and they put on my report as not being paid I got my proof from the courts that this has been satisfied and should not be on my credit file I did not get evicted the XXXX court sent me what I needed to clear this up thank you

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 2020-11-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I sent a debt validation letter to LVNV Funding LLC and all they sent me in return was a credit card statement. No signature, no contact not but an statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
Beginning on XX/XX/XXXX I contacted my mortgage company for assistance during the COVID 19 outbreak. I was told there would be no assistance for me. My original hardship was the passing of my parents and then the pandemic curtailed my income. I was told that the loan had had the maximum of modifications allowed and could not get anymore. I asked for a copy of the modifications they said I received modifications in XXXX, XXXX and XXXX. My father passed in XXXX and my memory recalls a short sale approval but not a modification. I have been asking for copies of the modifications and the " ticket has been open '' since XXXX, XXXX and still can not get a copy. Also, I have been explaining that I need pandemic assistance and not only did my lender tell me no, they have been moving forward with the foreclosure case, docket attached in the document area of this complaint. Also, I have been attempting to get this loan in my name as it is still in my deceased mother 's name but they have told me I need a modification to do so and they are stating I had three but will not send them to me or prove it in anyway. I am asking for proof of all modifications, some assistance with COVID and a stalling of my foreclosure case so that I may not be homeless during a pandemic. The request for assistance was made in XXXX and the docket shows they are still trying to sell the home.

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 2020-11-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: U.S. BANCORP
State: WA

Complaint narrative:
US Bank has my XXXX account and wouldn't transfer money for several days until they could collect their insufficient funds and then deposit my XX/XX/XXXX money, they did this 7 times! I closed all my accounts but I owe on a line of credit and they won't release my XXXX number or any XXXX funds until it is paid. I can't access my account ( locked so I can't pay ) or my XXXX funds. I tried several approaches and they are still withholding my money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
SunTrust decided to put a " hold '' on our account without any warning and, what's worse, no explanation. I had to go to three different branches before I was even told to contact a third party company called XX/XX/XXXX to find out why SunTrust had taken all of our money and refused to release it. I was treated like a criminal, laughed at, and hung up on by XXXX at the XXXX, FL branch, who I opened my account with. After waiting for more than 2 weeks for an explanation that would only be delivered by US mail by XX/XX/XXXX I was informed that an old account that was supposed to be closed had an auto payment go through without my knowledge ... and that this was why I had been unable to pay any of my bills or feed or diaper my XXXX and XXXX year old children. What's worse is that I have resolved the " issue '' and SunTrust STILL refuses to release my money to me. I called XXXX again today to tell him that the issue was resolved and that XX/XX/XXXXhad recieved the resolution from my former bank ... He treated me like dirt and informed me that " I would get a check eventually '' before he hung up on me AGAIN. This company is not just a bad business, they are morally and ethically corrupt and could care less about the impact that they have on people who live paycheck to paycheck. I have been to several branches and called their corporate customer service number just to be told, " we don't have any information, we'll have to send an email to our back office and wait for a reply. '' All this happened on my birthday, XX/XX/XXXX. Today is XX/XX/XXXX and despite all the time and effort I have personally put into resolving the non-issue, I have yet to get ANY correspondence from SunTrust ... much less access to my money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-03 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:
Equifax : XX/XX/2020 A hard inquiry was made by XX/XX/XXXX for your credit file. 
XX/XX/2020 A hard inquiry was made by XX/XX/XXXX XXXX  for your credit file. 
XX/XX/2020 ( qty=3 ) 3 soft inquiry was made by XXXX XXXX  XXXX XXXX for your credit file. 

My credit was locked, I don't know what happened with equifax. 


XXXX XXXX XXXX XXXX : Some One change my Mailing Address : Correct Mailing and Residential address : XXXX XXXX XXXX XXXX, XXXX fl XXXX. 

fraud Mailing address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX I suspect someone at this address ( XXXX ... GA ) is involved in fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OZK
State: NC

Complaint narrative:
I've had issues with unauthorized debit transaction reported to the bank. They never responded and owe me money

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The bureaus fell to comply with the law.. Ive sent several dispute letter in regards to my credit concerns. They fell to comply, they haven't provided me with any of my investigation results.. They are in violation of the law. Please help me by removing all my credit concerns from my 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 2020-11-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: FL

Complaint narrative:
'Capio Partners ' of XXXX Texas is attempting to collect a debt for 2 doctor 's visits in XXXX. Both are billed separately ; both are billed on the same date. One is for {$79.00} and the other for {$120.00}. 

I never have been to a doctor who I have not paid. Also, if I go to a doctor, they usually collect the money first. 

I have no idea what this charge is about and neither does the collection bureau. 

This notice of approx. {$200.00} was mailed to me on XX/XX/XXXX. 

Before this I had a credit score in the high XXXX 's. Now it is in the low XXXX 's. 

I was advised of this infraction when I spoke to XXXX and XXXX. Both told me that would accept my business, but both referred to my rectifying this fraudulent charge. 

Please help me with this. 

And, thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: STATE FARM BANK, FSB
State: FL

Complaint narrative:
Account Name Account NameSTATE FARM BANK, F.S.B. 
Account NumberXXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious Account Name Account NameSTATE FARM BANK, F.S.B. 
Account NumberXXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Account Name Account NameSTATE FARM BANK, F.S.B. 
Account NumberXXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/ ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL 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 2020-11-03 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: TX

Complaint narrative:
On XX/XX/2020 I pulled my report again and noticed that XXXX XXXX is still reporting on my credit. I have sent multiple disputes in showing why this account isnt mine. Yet they are still reporting 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 2020-11-03 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:
On XX/XX/2020 I pulled my report again and noticed that XXXX XXXX is still reporting on my credit. I have sent multiple disputes in showing why this account isnt mine. Yet they are still reporting on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 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:
On XX/XX/2020 I pulled my report again and noticed that XXXX XXXX is still reporting on my credit. I have sent multiple disputes in showing why this account isnt mine. Yet they are still reporting 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 2020-11-03 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I called to resolve the acount and they where extremely negtive ... They kept giving me deadlines and tell me that they would note the account as a refusal to pay. I did end up paying the account. But I would have appreciated a little more courtesy and friendly tone.

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 2020-11-03 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: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
On XX/XX/2020 I pulled my report again and noticed that Chrysler Capital is still reporting on my credit. I have sent multiple disputes in showing why this account isnt mine. Yet they are still reporting on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
CONSUMER REPORTING COMPANY BLOCKING LETTER Date : To : Experian XXXX. XXXX  XXXX XXXX, TX XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Dear Sir or Madam : I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report : I have never lived or used the following addresses or phone numbers : The following Account ( s ) do not belong to me : Account NameXXXX XXXX XXXX, XXXX. 
Account NumberXXXX Account NameXXXX XXXX XXXX Account NumberXXXX  This information does not relate to any transaction that I have made. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. Please let me know if you need any other information from me to block this information from my credit report. 

Sincerely, XXXX XXXX XXXX SS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Enclosures : Identity Theft Report FCRA Section 605B

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 2020-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I've been very carefull since I filed chapter XXXX. I even bought and paid off a car and my score kept going up an up and it should. In Experians site itself it told me to increase my score by adding another credit card a XXXX XXXX  card that Experian itself recommended I get again this was within their site while logged into my account. So I applied was turned down then they lowered my score by 33 points NOT for being late paying anything but for following their directions. Why am I being punished so severely when during a pandemic I not only was never late on any card or loan but managed to pay off a car loan ahead of time and I get my score lowered??????

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 2020-11-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I Purchased jewelry via a 12mo. Promotional Plan offered by Iddeal Card ( Comenity Bank ) on XX/XX/XXXX. The plan stated that I had 12 months to pay the balance. If the balance wasn't paid by XX/XX/XXXX, I would be charged interest. I followed the plan, however the plan expired prior to my last payment. I was immediately charged {$520.00} interest on a {$240.00} balance. The promotional plan did not state that I would be charged interest on the original balance - {$2900.00}. I understood that I would be charged interest ( as with all other credit cards ) on the current balance. I discovered this issue on XX/XX/XXXX, contacted customer service the same day and was told that there was nothing they could do. The plan is intentionally vague. I have no issues about paying the {$240.00} I legitimately owe. I take issue with the excessive interest charge. I have credit cards with other companies and have never been charged over 100 % interest. 

Note : The statement shows 29.99 % APR. Balance Subject to Interest Rate : {$240.00}. Interested Charge : {$520.00}.

Company response to consumer: Closed with explanation