vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-31 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible thank you for your time.

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 2021-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
On XXXX XX/XX/2020 I sent money to my brother from XXXX - using Western Union Website- to XXXX XXXX XXXX the receiving bank XXXX XXXX XXXX the money to XXXX  account this a non-profit organization who receive the money on behalf of my brother and then forward to him. Since he was not reachable when the transfer was done, XXXX refunded the money to XXXX XXXX which at the same time forward it to XXXX XXXX XXXX XXXX which is Western Union merchant processor - I have reached to Western Union, they say they would escalate but as of today more than 30 days I have not received a response My brother personally reached XXXX XXXX XXXX XXXX they provided letters reference the money was return to the agent. I tried to reach XXXX XXXX  XXXX limited looking through XXXX but the number doesn't resolve and their contact page doesn't load.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31 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: CITIBANK, N.A.
State: IL

Complaint narrative:
On my credit reports there is a closed account with huge amount of missed payments. CITICARDS CBNA Opened XXXX. XXXX, 2015 Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA CITICARDS CBNA has violated my rights as a consumer and I requesting legal action to remove this account immediately.

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 2021-01-31 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Card Receivables Fund Incorporated
State: NJ

Complaint narrative:
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Since XX/XX/XXXX, Unifund CCR has illegally attempted to collect a credit card debt that was never verified nor presented with a contract. I have asked Unifund on several occasions to verify debt that was never done. Now, they filed a lawsuit seeking judgment without verification or proper notice under state ad federal laws. 

Concerned customer

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
In good faith I used my XXXX credit card to pre-pay for a car ( rental ) using their website last weekend. Once I arrived at the XXXX  XXXX  place I was then charged {$300.00} additional dollars, and told that XXXX had only sent them {$50.00} of the {$200.00} that I pre-paid them for the car and the Insurance. When questioned, the gentlemen at the XXXX  XXXX  placed mentioned that I should call XXXX because they are fully aware that the insurance that the offer does not work in Colorado, does not cover the entire amount needed. I called XXXX at least 3 times and was informed by three different agents that because the " rental '' was non-refundable I would not be able to be refunded. Due to the contract not being honored, the manager at the XXXX XXXXr place refunded me and I never accepted the car rental. I was not to have to pay anything for the car since it was pre-paid, and since they required me to purchase additional insurance because as they put it XXXX knows that their insurance is not sufficient, I was refunded and let out of the contract and was forced to rent somewhere else. They sent me off with a receipt showing me that XXXX failed to pay them the entire amount for the car and that they refunded me what they could. Since the contract was not honored, and I was forced to rent otherwise I believe XXXX should refund me for the pre-paid purchase of a rental car. Since XXXX is not an honorable company I will like the full refund, placing the card back to a zero balance so I can close out the 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 2021-01-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
RentDebt is Reporting a debt that I dont owe. I sent a Debt verification letter to rentdebt asking them to verify this debt. Rentdebt sent my a signed lease. That doesnt justify I owe them anything. Rentdebt is Reporting to all 3 credit bureaus that I owe them {$2100.00}.

I sent a debt verification letter to XXXX, XXXX  and XXXX. All 3 Credit bureaus came back verified. 

I went to XXXX XXXX XXXX XXXX XXXX complex to see why I owe them {$2100.00}. They informed me that they didnt have any information about me owing them anything. 

Rentdebt has not properly verified this Debt of {$2100.00} but continues to report to all 3 Credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31 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: IL

Complaint narrative:
On my credit reports there is a closed account with huge amount of missed payments. CAPITAL ONE BANK USA NA Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA CAPITAL ONE BANK USA NA Opened XX/XX/2011 has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: SECURITY FINANCE CORP
State: TX

Complaint narrative:
On XX/XX/XXXX I applied and was granted a installment loan with Security Finance, loan # XXXX with my payment due dates on the XXXX of each month. On XX/XX/XXXX my bank XXXX Bill Payment dept. issued a check in the amount of {$100.00} for my loan payment due on XX/XX/XXXX, Security Finance received the check on XX/XX/XXXX. At XXXX of XX/XX/XXXX I receive a phone call from XXXX with Security Finance offering me {$160.00} if I was interested in refinancing my loan, I told her yes and I would come in on XX/XX/XXXX to sign the paperwork, She said great we'll see you then and she would have the paperwork ready for the refinanced loan. On XX/XX/XXXX I went in to Security Finance and received {$160.00} for refinancing the loan, account # XXXX and left the building. Then on XX/XX/XXXX I received a phone call at XXXX XXXX  from XXXX the manager stating that I owed $ XXXX for a returned check from my bank, when I told her they made a mistake she insisted that they were right and I was wrong. I tried several times to explain to her that I didn't owe {$130.00} since I refinanced the loan that the payment in question that they received on XX/XX/XXXX in the amount of {$100.00} was cancelled by my bank XXXX because of the refinancing of the loan. She still insisted I was wrong and she wanted a payment of {$130.00} for the loan payment due on the XXXX plus {$30.00} returned check fee. I made an agreement which I kept and went in on XX/XX/XXXX and paid {$130.00} as requested and i asked for the returned check. The lady that took the payment looked for it and couldn't find it so she called XXXX and then I was told the bank had it. I totally feel that this if nothing else is insufficient check fraud since the returned check i paid for and never received. I would like to have the amount of {$100.00} credited to my account # XXXX since the payment due on XX/XX/XXXX is non-existent due to the loan being refinanced. I've also reached out to their HOME OFFICE in XXXX but as of this date no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: TX

Complaint narrative:
I had paid my homeowners insurance to avoid cancelation and a payment was issued to Loan Depot for a little over XXXX which was suppose to be applied to my escrow account and instead they applied it to principle. I've contacted them numorous times to have that applied to my escrow account in order to refund me. 

Instead they refunded me and shorted my escrow account yet refuse to properly post the initial payment to the escrow account instead of the principle balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Sent a factual dispute to bureau, they sent a letter back stating account was updated but was their was no updated information. My FCRA rights were violated because the data furnisher is to report all the same information to credit bureaus and there are inaccuracies across all three.

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 2021-01-31 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: MD

Complaint narrative:
I opened a {$40000.00} line of credit with XXXX XXXX XXXX  in XXXX used it a few times over the years and paid the amount off each time within the time frame, without any difficulties. I received a letter dated XX/XX/XXXX stating they were no longer offering baking products and they were transferring my loan to a company called Specialized Loan Servicing LLC. I had no balance at this time and decided I just wanted to close this account as I no longer had use for it. I called SLS LLC and was informed that I would be receiving a welcome packet and that I could take care of it then. I never received a welcome packet and when I continued to call, in XX/XX/XXXX I was told that I needed to submit my request in writing along with a copy of my drivers license to a XXXX XXXX in XXXX, Colorado, which I did. This exercise took Three ( 3 ) days to complete because of different people I was transferred to, dropped calls and people in different parts of the country. After a brief period I was contacted to submit a copy of my property insurance and the declaration page of my flood insurance. I have these items with XXXX. After more haggling and transferring I was told that I didn't need those items, They already had them. But I needed to submit in writing again with a copy of my drivers license a request to completely close out this loan, which I did. On Friday XX/XX/XXXX, I received a letter From SLS LLC stating that they were " Suspending access to my line of credit and this suspension will be in effect until this condition no longer exists! '' and that I may request a reevaluation of this condition at a later time. 
I Have a XXXX balance on this HELOC, there is not a mortgage on my property and all I am asking is that I can have a statement that this loan is completely closed and that I won't have to deal with SLS LLC ever again. I believe these people deal in deceptive business practices and would appreciate any help that you could offer. 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 explanation
Consumer complaint received 2021-01-31 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: NC

Complaint narrative:
I had a charge account for {$300.00} and I only made one charge of {$150.00} and this company is committing fraud by putting it on my credit report for {$610.00}. Ive disputed this account before with credit bureaus and the company trying to rip me off and nothing has been done. Please get this removed and taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mountain Run Solutions, LLC
State: TX

Complaint narrative:
I received a letter from Mountain Run who purchased a debt from XXXX/XXXX. Mountain Run Solutions says I owe XXXX and the account number is XXXX. I never had any such account with this company. I did a bankruptcy 2 years ago. I have since sold my house and never purchased any brinks account. If I had purchased from them it would have been included in my bankruptcy. I know I never had an account with either company. They also failed to send notice of debt, before going to debt collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
It a tire shop company that asking for tires that I dont even have plz help me get rid of whatever it is

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: U.S. BANCORP
State: MA

Complaint narrative:
I XXXX XXXX make a sincere request to three of my creditors, for relief of a one-time late payment during a month where I was hospitalized for XXXX from XXXX. I am a veteran of the United States XXXX, and I served in the XXXX during the invasion and ultimate success in securing freedom for XXXX. However, over the years I dealt with the XXXX problems, and in XX/XX/2019 I was hospitalized where I had no access to pay my bills on time. Several creditors already removed the 1 X 30- day late payment as a courtesy to a military veteran. I am now 100 % covered by military XXXX, and I also work full time running my own XXXX. I believe that my business will go through high growth periods over the next five years, and my excellent credit history was always a priority in my life. Accordingly, I respectfully request the XX/XX/2019 late payment as I was not in any position to attend my affairs. I am now healthy but there was a short time in my life, dealing with XXXX was impossible. I thank you for any consideration you can show me. Thank you. 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 2021-01-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I XXXX XXXX make a sincere request to three of my creditors, for relief of a one-time late payment during a month where I was hospitalized for XXXX from XXXX. I am a veteran of the United States XXXX, and I served in the XXXX during the invasion and ultimate success in securing freedom for XXXX. However, over the years I dealt with the XXXX problems, and in XX/XX/2019 I was hospitalized where I had no access to pay my bills on time. Several creditors already removed the XXXX X XXXX day late payment as a courtesy to a military veteran. I am now XXXX  % covered by military XXXX, and I also work full time running my own business. I believe that my business will go through high growth periods over the next five years, and my excellent credit history was always a priority in my life. Accordingly, I respectfully request the XX/XX/2019 late payment as I was not in any position to attend my affairs. I am now healthy but there was a short time in my life, dealing with XXXX was impossible. I thank you for any consideration you can show me. Thank you. XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-31 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: GA

Complaint narrative:
XXXX XXXX XXXX Reported : XXXX XXXX, 2021 {$860.00} Needs Attention XXXX Reported : XXXX XXXX, 2021 {$1000.00} There are no contracts, no valid claims ... accounts were settled original with creditors and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation

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 2021-01-31 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: LoanCare, LLC
State: AZ

Complaint narrative:
after 3 years of struggling to get a loan modification Loan Care finally did so however after all 3 payments Loan Care put me back on a forebearance agreement ; did not sign off on the loan mod, record it or consummate the loan modification Loan Care kept all the payments which were tied to the loan modification but again the loan mod was cancelled so there is no agreement between me and Loan Care

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 2021-01-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I XXXX XXXX make a sincere request to three of my creditors, for relief of a one-time late payment during a month where I was hospitalized for XXXX from XXXX. I am a veteran of the United States XXXX, and I served in the XXXX during the invasion and ultimate success in securing freedom for XXXX. However, over the years I dealt with the XXXX problems, and in XX/XX/2019 I was hospitalized where I had no access to pay my bills on time. Several creditors already removed the 1 X 30- day late payment as a courtesy to a military veteran. I am now XXXX  % covered by military XXXX, and I also work full time running my own business. I believe that my business will go through high growth periods over the next five years, and my excellent credit history was always a priority in my life. Accordingly, I respectfully request the XX/XX/2019 late payment as I was not in any position to attend my affairs. I am now healthy but there was a short time in my life, dealing with XXXX was impossible. I thank you for any consideration you can show me. Thank you. XXXX XXXX

Company response to consumer: Closed with explanation