vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: UT

Complaint narrative:
My account was recently compromised when my ex-husbands ( XXXX XXXX military ) bills were imported into my account. His name was not on my account and it should not have happened. In XXXX, while we were married ... I signed a trust named " XXXX XXXX XXXX XXXX XXXX. 

In XXXX, we got divorced and I opened a new USAA account and I paid money into our joint account until things could be separated. I was told our old joint account ( while married ) was closed. I spoke to USAA a couple of times about the tab that was listed under my bill pay on my new account. USAA reassured me that it was not an issue and that my ex could not access my account. 

In XXXX, I signed a new trust document named " XXXX XXXX XXXX XXXX XXXX '' and submitted the cover sheet and back page which was signed and dated. 

In XXXX, I signed a new trust document named " XXXX XXXX XXXX Revocable Living Trust '' and submitted the cover sheet and the back page which was signed and dated. 

In XXXX, I changed my name to XXXX XXXX and submitted the name change court paperwork to USAA. 

In XX/XX/XXXX, my ex-husband ( military member ) bills were imported into my personal bank account. I contacted USAA and requested they remove the bills. 

In XXXX, I signed a new trust document named " XXXX XXXX XXXX Amended and Restated Trust '' and provided the cover page and back page which was signed and dated to USAA. However, I told them I wanted the accounts closed as soon as possible. 

USAA had my account profile updated with my name of XXXX XXXX. USAA had my correct trusts on file but failed to update my name and trusts across all of my accounts. Additionally, at some point my trust became a secondary account holder to my account. 

USAA failed to follow procedures and update my account information across all my banking accounts. Additionally, they failed to read and check the dates on the trust paperwork I had submitted for my account. Finally, my ex-husband 's bills should have never been imported into my personal USAA banking account. 

During this process, I contacted USAA multiple times. I have been unable to get my checking and savings accounts closed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 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: CA

Complaint narrative:
I have a loan opened in my name that I did not open. I am assuming my identity was stolen. The collection date is XX/XX/2019 2019

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 2021-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
On XX/XX/2019 I started bankruptcy chapter XXXX pro se and in the midst of it I chose not to move forward. So I toughed it out with my creditors continuing to pay my bills on time. I spoke with the Bankruptcy court and it shows that i didn't turn in the proper paperwork to moved forward. A third party XXXX XXXX is reporting the information inaccurately without knowing all the facts.

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 2021-01-29 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX has a collection from the XXXX XXXX XXXX for a check in the amount of XXXX. This is past the state of limitations Tennessee Code 39-14-121.This is from 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 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: Trident Asset Management, L.L.C.
State: TN

Complaint narrative:
Trident Asset has a collection from the XXXX XXXX XXXX for a check in the amount of XXXX. This is past the state of limitations Tennessee Code 39-14-121.This is from 2015.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 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: Asset Management Outsourcing, Inc.
State: GA

Complaint narrative:
Nationwide ceased collection on the account for XXXX XXXX but it still remains on my XXXX credit report. The amount is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX ceased collection on the account for XXXX XXXX but it still remains on my Transunion credit report. The amount is 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 2021-01-29 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: INTERCONTINENTAL CAPITAL GROUP
State: TN

Complaint narrative:
I refinance my home loan in XX/XX/XXXX, and was mailed a letter by International Capital Group , Inc. ( the loan servicer ), stating that I was not required to make a XX/XX/XXXX payment since they sold the loan to XXXX XXXX in XXXX. I was contacted today ( XX/XX/XXXX ) by an attorney in the legal office of International Capital Group stating that they made a mistake in mailing me that letter, and if needed to pay it immediately otherwise International Capital Group could take legal action against me in court to extract payment for the amount of {$1500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 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: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX XXXX has a collection from the XXXX XXXX XXXX for a check in the amount of XXXX. This is past the state of limitations Tennessee Code 39-14-121.This is from 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
JP Morgan Chase, with whom I have several products currently - including a different Credit Card with available credit in the amount of {$18000.00} and a {$0.00} balance - sent a notice dated XXXX XX/XX/2021 explaining that my recent application for a new credit card was denied due to " too many credit cards opened in the last two years associated with you. '' I met and exceeded all eligibility requirements, currently have a FICO score of XXXX ( according to my XXXX XXXX card ), XXXX ( according to my XXXX XXXX card ). This year, my husband and I downgraded our frequent-flier credit cards to cards with no annual fees - especially since we do not expect to travel during the pandemic. These are not cards opened, but rather cards downgraded. I pay my balances in full most months, and do not accumulate high balances. The only reason I can see for denying me credit is that I accepted public assistance in the form of unemployment benefits for 6 weeks last year. This, of course, is a violation of the Equal Credit Opportunity Act, and I would like an investigation opened into the matter. 
The Reference number for their decision letter is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 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: Asset Management Outsourcing, Inc.
State: GA

Complaint narrative:
Nationwide Recovery has ceased collection on XXXX XXXX account for XXXX. XXXX  has not deleted it but it's been deleted from my XXXX  credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Designed Receivable Solutions, Inc.
State: CA

Complaint narrative:
To whom it may concern : This is a written statement regarding the above medial record number. On Thursday XX/XX/XXXX, I received a notification from XXXX that there was a new collection item added to my account under Design Receivable Solutions Debt Collection Agency, under XXXX : XXXX with a date of service of XX/XX/XXXX. 

I called and spoke with XXXX at Design Receivable Solutions @ XXXX ext. XXXX on XX/XX/XXXX @ XXXX XXXX, who confirmed the collection account is from XXXX XXXX XXXX XXXX in XXXX XXXX, CA. 
I can confirm and prove that I have never been a patient at this XXXX XXXX. I am not a resident in or near the XXXX XXXX area nor have I EVER been. I do not have family or friends in or near the XXXX XXXX area either. I have been a resident only in XXXX California all of my life. Currently a resident of XXXX CA since XXXX ; and previously XXXX XXXX AND XXXX XXXX, CA. I am a victim of ID theft and have been since XXXX. I currently have about 10-15 police reports that I have filed myself and police reports that have been provided to me from various police departments over the years. 

Again, I am not a patient at XXXX XXXX XXXX XXXX nor have I been a patient with this XXXX XXXX therefor I am not responsible for this debt. Please investigate this and remove my name and SSN out of your system or database, ASAP and please notify the authorities. 

I called and spoke with XXXX in XXXX XXXX @ XXXX XXXX XXXX XXXX @ XXXX today, XX/XX/XXXX @ XXXX, who confirmed my identification and provided me with the medical record number and date of service. He also advised me to include in this email : My CA ID and a document showing my address at the time of the date of service that is being billed XXXX XX/XX/XXXX ). This email is also being sent from my employer email which shows the address of my current employer. I also included my employee verification with my start date. 

Collection Agency : Design Receivables Solutions Ph : XXXX Fax : XXXX Account # XXXX Police Report Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 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: NY

Complaint narrative:
All three credit bureaus have abused their assumed power of being consumer reporting agencies. The misuse and unauthorized reporting, validating debt and other actions without my consent is noted according to Congress Law in the attached letters that I've previously sent via certified mail. These " credit bureaus " are not operating with in the boundaries of FCRA and FDCPA

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 2021-01-29 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: U.S. BANCORP
State: GA

Complaint narrative:
Back in XX/XX/XXXX, I reached out to US Bank ( XXXX XXXX to advise that I had been impacted by Covid and needed assistance. They offered a program to me in which I could defer a payment for 2 months XXXX XX/XX/XXXX and XX/XX/XXXX ). They also extended it because no payment was required in XX/XX/XXXX as well. I just reviewed my statement and saw that they are charging {$610.00} as my minimum payment. I called and spoke with a representative named XXXX. XXXX advised that the payment is this amount because these are the minimum payments from XXXX through now. I was never told this by a representative nor did I ever receive any correspondence saying that I would have to be responsible for the payments that were deferred under the covid plan and they are now causing me further financial hardship. This is predatory. I would have never agreed to the plan had I known that they would handle it this way.

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 2021-01-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX has ceased collection on XXXX XXXX account for XXXX. Transunion has not deleted it but it's been deleted from my XXXX  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 2021-01-29 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax deleted a account from XXXX XXXX but didn't increase my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: GA

Complaint narrative:
I received a Intent to XXXX in the mail about a week ago from my tax commissioner. The mortgage company I have to unfortunately go through is beyond horrible XXXX. I sat on the phone for two hours waiting to talk to somebody. When someone finally picked the phone up I spoke to her for a total of five minutes and she told me to take a picture of the letter and email it to a company email address and she said that they should get back in touch with me. Well its been five days since then and I havent heard anything. Im worried to death that someone is going to take our home, I havent done anything wrong I paid my mortgage on time every single month it was their fault that the taxes werent paid. I dont know what else 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 2021-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: MN

Complaint narrative:
Hunter Warfield, acting on behalf of XXXX XXXX XXXX XXXX XXXX, is trying to collect {$1800.00} in debt for which I do not owe and has also not provided any proper written notification, violating The Fair Debt Collection Practices. My relatives and I have received numerous calls from Hunter Warfield. They have no authorized authority to contact my relatives and have used untruthful alias in attempts to have my relatives provide them with my personal information. 
Hunter Warfield has also unlawfully reported this debt to the credit reporting agencies resulting in it being reflected on my credit report. XXXX XXXX XXXX XXXX is already being sued for its actions and the lawsuit is still ongoing XXXX Case # XXXX ). XXXX XXXX is trying to get around the lawsuit by seeking to collect without answering the lawsuit by sending the case to Hunter Warfield. Even by sending the case to collections XXXX XXXX did so without following the proper legal process.

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 2021-01-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX  deleted a account from XXXX XXXX but didn't increase my credit 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 2021-01-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XX/XX/2021 Capital One Bank XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX To Whom It May Concern I previously held two credit cards backed by your organization ending in XXXX and XXXX. Apparently there were prescheduled payments on file that were returned to you as the result or large authorizations while providing in light of care for father. 

I was advised to provided a copy of the obituary to have account restrictions removed and accounts reinstated. The sadness of it all is that this still to this day has not happened. I never miss a payment one of the two accounts is within {$50.00} of completely being paid off and the other is always paid early. Do you know gut wrenching it is to see customers that run up large balances and charge off with you get approved months/years later but I pay on time and early incurred confusion as a result of something I was not even made aware of and I am blacklisted?? 

As an added measure of sadness I have provided obituary for proof as well. Please do the right thing lift the restrictions and reopen. I have been a model customer prior to and ever since. Multiple supervisors stated there should not even be a restriction here but yet here we are. 

I loved Capital One during my time this is so disheartening. 



Sincerely yours,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 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: EQUIFAX, INC.
State: NY

Complaint narrative:
All three credit bureaus have abused their assumed power of being consumer reporting agencies. The misuse and unauthorized reporting, validating debt and other actions without my consent is noted according to Congress Law in the attached letters that I've previously sent via certified mail. These " credit bureaus " are not operating with in the boundaries of FCRA and FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 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: American Profit Recovery, Inc., Marlborough, MA Branch
State: FL

Complaint narrative:
I was the victim of identity theft. Therefore, there is a person with a different name than me who has an AMERICAN PROFIT RECOVE collection account of {$280.00} from 2017 showing up on my credit report. I have filed fraud with credit bureaus and original creditor and they have acknowledged the evidence of fraud but have yet to delete the collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 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: TN

Complaint narrative:
THESE ACCOUNTS WERE LISTED ON MY CREDIT REPORT AND I HAVE NEVER OPENED THESE ACCOUNTS. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THESES COMPANIES, PLEASE HAVE THESE ITEMS REMOVED FROM MY FILE.

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 2021-01-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
Last XXXX I realized there was XXXX dollars spent in my credit card from XXXX XXXX. I reported it. The charges were from XXXX -XXXX. I have attempted multiple times to have the case reopened with my work records and credit card statement and many other documents proving I wasnt even in the state the card was used. I have a police report where I live and in the city it was used in. There has been no resolution.

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 2021-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
The data that you showed in my credit report I previously requested a proof of how you managed this. Once more, you can't demonstrate any of the data referenced in the past credit report information that I challenged with.

Company response to consumer: Closed with explanation