vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-08 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: NJ

Complaint narrative:
I review a current copy of my credit report an show inaccurate information listed on my credit report. I place a dispute with creditor and have not received any dispute results. This creditor is listing a charge off on my credit report with inaccurate open dates, Showing balances on a charge off account per the law any charge off on credit reports once show a balance of {$0.00}. 

Creditor : XX/XX/XXXX ( Original Creditor : 06 XX/XX/XXXX ) Account number : XXXX Account open dates listing on report : XX/XX/2016 and XX/XX/2016 Account open Balance reporting on credit report {$760.00} which is inaccurate credit reporting.

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 2020-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I was buying a dog and got scammed. I sent {$750.00} through XXXX on XXXX and then today, XXXX I sent {$1400.00} and {$2000.00} through XXXX. 

They said the dog needed a crate. They said the dog needed insurance. Dont ever pay more.

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 2020-12-08 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: NV

Complaint narrative:
These are not my accounts. This is a 2nd request. Some of the creditors did come off on on of the bureaus, but didn't come off of the other ones. Please remove them. 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 2020-12-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
Avout 2 years ago i settled a debt with XXXX XXXX. A conpany named Creedance resource mgmt called me the next day as i was to pay and told us that XXXX had switched their company i should pay to. the amount was close to $ 7k. I thought it was odd but i ended up ignoring them and paying with the correct company A month later i started unexpicably losing a lot of money. Those guys calledme acouple more times about ridiculous debts and asking how mich fo i want to pay?

I told them nothing is what i want to pay. The miney kept didappearing throufh what i now kniw were doubked transactions. was told by one debtor that i had called the previous day but i had not.

we list so much money we went into foreclosure and we sold the house.

after micing things got even worse and i would receive calls from people but they did not say they were CRM. We were bring hackef as well. however when i would return the call CRM answered. i threatened to sue and one of their team
w assured me they were not hacking ir stealing from me. i had a little evidence and an assumption but not enough. Now almost a year later they start showing up on XXXX. False debts that i dint owe and people taking out credit in my name. This company needs to be investigated immediately. they are currently threarening us kn our own home and shining infrared lasers into it. sounds crazy but u swear its true. we ar moving we fo not feel safe. please investigate this company

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-08 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: CL Holdings LLC
State: CA

Complaint narrative:
I mailed a dispute on XX/XX/XXXX & XX/XX/XXXX to XX/XX/XXXX regarding accounts Jefferson Capital System and XXXX, advising that both accounts are a result of fraud and do not belong to me. I contacted XX/XX/XXXX on XX/XX/XXXX and spoke to a representative by the name of XXXX. I inquired if a dispute had been received and confirmed that it had been mailed to XXXX. XXXX XXXX XXXX,XX/XX/XXXX XXXX. XXXX stated that no dispute had been received. I asked to be provided with a fax number to fax my dispute to, he stated that the fax was not working at this time. XX/XX/XXXX is being willfully non compliant and this is adversely affecting my credit. They have failed to respond to my written dispute according to the Fair Credit Reporting Act within the 45 day period required.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 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: NJ

Complaint narrative:
I review a current copy of my credit report an show inaccurate information listed on my credit report. I place a dispute with creditor and have not received any dispute results. This creditor is listing a charge off on my credit report with inaccurate open dates, Showing balances on a charge off account per the law any charge off on credit reports once show a balance of {$0.00}. 

Creditor : XX/XX/XXXX ( Original Creditor : XXXX  XX/XX/XXXX ) Account number : XXXX Account open dates listing on report : XX/XX/2016 and XX/XX/2016 Account open Balance reporting on credit report {$760.00} which is inaccurate credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 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: NJ

Complaint narrative:
I reviewed a current copy of my credit report and show that inaccurate information is listed on my credit report. I dispute account and have not received and disputes results. This creditor XXXX XXXX ( Original Creditor : UNIVERSITY XXXX XXXX XXXX ) is showing on my credit report as a charge off and open dates and showing an open balance on a charged off account. Per FCRA and/or FDCPA law no credit report is to list an open balance it must show a balance of {$0.00}. below is creditor information. 

creditor : XXXX XXXX ( Original Creditor : UNIVERSITY XXXX XXXX XXXX ) Active balance showing on a charge of account : {$130.00}

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 2020-12-08 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: NV

Complaint narrative:
These are not my accounts. This is a 2nd request. Some of the creditors did come off on on of the bureaus, but didn't come off of the other ones. Please remove them. 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 2020-12-08 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: NV

Complaint narrative:
These are not my accounts. This is a 2nd request. Some of the creditors did come off on on of the bureaus, but didn't come off of the other ones. Please remove them. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: COLLECTECH DIVERSIFIED, INC.
State: CO

Complaint narrative:
I reached out to your company on XX/XX/XXXX in regards to the following accounts in your office : XXXX XXXX XXXX XXXX I received in the mail on XX/XX/XXXX all of my medical records for the alleged debt which includes services rendered, medical tests I received, detailed medical information, etc. Your company violated my privacy in which I am protected under HIPPA laws. You sent my medical records WITHOUT a HIPPA release form. I never gave XXXX XXXX XXXX permission to release my personal information such as specific treatment or medical tests I received outside of basic collecting information. You did not provide any documents I signed signing over my HIPPA release. 

Your company knew or should have known that the actions taken against me and the information collected about me was inappropriate and damaging to me. You failed to use reasonable care during business and failed to use even minimal procedures to ensure that I was not harmed. 

I will take any and all necessary steps to protect my rights. If you do not immediately remove this inaccurate and incomplete information, I will file a formal complaint with the FTC. I will include your company as well as the credit reporting agencies in a potential lawsuit. Should you continue to operate disregarded for the law, I intend to seek redress in civil action for recovery of damage, costs, and attorney fees. 







For this purpose, I am carefully documenting these events, including the lack of response REQUIRED under law from you. 



These accounts need to be deleted off my credit report expeditiously : COLLECTECH DIVERSIFIED XXXX COLLECTECH DIVERSIFIED XXXX COLLECTECH DIVERSIFIED XXXX COLLECTECH DIVERSIFIED 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 2020-12-08 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: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
On XXXX XXXX, XXXX, MIDLAND FUNDING LCC add a derogatory marks on my credit reports per XXXX, XXXX and XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for it. Debtors creditors did not verify this collection. 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 MIDLAND FUNDING LCC has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-08 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: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
On XXXX XXXX, XXXX, PORTFOLIO RECOVERY ASSOC add a derogatory marks on my credit reports per XXXX, XXXX and XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. 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 PORTFOLIO RECOVERY ASSOC has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I opened an Ally Savings Account on XX/XX/2020. After going connecting my external XXXX XXXX XXXX Account and verifying the trial deposits, I was given the all clear to transfer funds between the two accounts on XX/XX/2020. 

On XX/XX/2020, through Ally bank, I initiated a transfer of {$9300.00} from my XXXX XXXX XXXX Account to my Ally Savings Account. XXXX XXXX shows the money was pulled from the account on XX/XX/2020. On XX/XX/2020, I noticed the money still has not showed up on my Ally account and my linked XXXX XXXX XXXX Account was suspended by Ally. 

On XX/XX/2020 I called Ally and spoke to a supervisor named XXXX to inquire about the issue and was told this was due to a name mismatch between the two accounts. I asked that the money be transferred back to my XXXX XXXX XXXX Account while I resolve this issue. Ally told me they have the funds but can not return the money due to an issue on their back end and that I would need to dispute this transfer with XXXX XXXX. I called XXXX XXXX and they told me they can not dispute a transaction that I authorized and since Ally is holding the money, it would be up the Ally to resolve this. 

I called Ally back but was given a runaround with no resolution. They are still holding {$9300.00} of 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 2020-12-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: BAY VALLEY MORTGAGE GROUP
State: GA

Complaint narrative:
I applied to Pacific Bay Mortgage for a loan to purchase my first home in XXXX, Georgia. I recently graduated from college with a degree as a XXXX XXXX, and was looking forward to working near my new place of work ; XXXX XXXX. My loan was approved on XX/XX/2020 and the closing date was set for XX/XX/2020. The lender was unable and unwilling to get my loan closed on time so the seller imposed a {$100.00} a day per diem. The lender was notified in writing and by phone but despite my consistent XXXX calls, the lender gave no consideration to my urgency. They continued to misinform all parties involved and proceeded with no sense of urgency. The only reasoning they gave for their lack of urgency was that they were busy. I was finally cleared to close on XX/XX/2020 but had to borrow money from my parents to cover the {$3900.00} per diem for all the days I did not close. I believe the fair thing in this situation would be for them to reimburse me for all the additional expenses that I would not have acquired if I was able to close in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2020, I awoke to a " XXXX '' window screen that stated I needed to call a certain number. There were loud beeps emitting from this window which I could not control, so I called the number on the screen. A computer tech answered and said he would proceed to fix the the hacking problem. An hour and one-half later, he said my banking accounts had been hacked and transferred me to a supposed USAA Fraud Officer, XXXX XXXX, XXXX. XXXX reported that three unauthorized transactions against my USAA bank account had been initiated in the amounts {$4200.00}, {$4900.00}, and {$5300.00}. When I asked Miles why USAA couldn't stop these transactions, he said they were " in process '', USAA could not stop them that I had to move money from my checking account into gift cards to reduce the account so the transactions would bounce. XXXX directed me to purchase {$3000.00} in gift cards. XXXX and the hacker team took possession of the {$3000.00} gift card amount. 
I filed a XXXX County Police report XXXX, and an FBI report of hacking and fraud, plus an FDIC complaint. While USAA states that they have liability coverage for fraud, USAA dismissed my case and said that I was an actor in this fraud and could not be compensated for my loss. 
USAA is seen as a bank for the military. I awoke on XX/XX/XXXX with a XXXX XXXX. I am a XXXX vet, with a 50 % mental health XXXX. I also teach online for XXXX XXXX  and happened to have an online class later that day so I wanted my computer to work. I have been a USAA customer since the early XXXX with multiple accounts with USAA. It appears to me that USAA should provide coverage for this loss and restore my funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 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: NJ

Complaint narrative:
I reviewed a current copy of my credit report and show that inaccurate information is listed on my credit report. I dispute account and have not received and disputes results. This creditor XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) is showing on my credit report as a charge off and open dates and showing an open balance on a charged off account. Per FCRA and/or FDCPA law no credit report is to list an open balance it must show a balance of {$0.00}. below is creditor information. 

creditor : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Active balance showing on a charge of account : {$130.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: WA

Complaint narrative:
i have 2 mortgages with SHELLPOINT MORTGAGE SERVICING with perfect payment history, untill covid 19 hit and i called in to seek assistance. somehow i find out mon ths later on my creit report that they are reporting me delinquent for 2 months on one of the 2 mortgages. i called in again and a second time and both times i was told that i didnt request assistance but they would apply retroactivley and retract the negatives on my credit. i did ask for assistance as evident by the help i received on the other loan. So to tell me i did not seek assitance on one while asking assistance for a second is lacking in the principle of a reasonable conversation. it never came off my credit so i assumed it was just a technicality and i contested with XX/XX/XXXX and it came back " accurate ''. the servicer knew i was impacted by covid 19, i actuallyXX/XX/XXXXand am still suffering yet they choose against the CARES ACT to punish me through there so called acurate reporting without u ndestanding at all that it was through the washington state governor stay at home order that undercut my tenants ability to pay and therby mine as well. 
If one seeks assistance and the assistance is missed but that institutions records show that ypou did seek assistnce and were impacted by covid 19 and then ask for them to correct their error and they dont, is that not the exact reason why the CARES ACT was implemented to give leeway and understanding to the chaos of the pandemic for both furnisher and consumer. 
The CFPB regulates thre FCRA, and congress passed the CARES ACT to help all of us affected by COVID 19 including your institution. I called many times immediatley and following up yet you refuse to accomodate at the time or retroactivley due to the circumstances falling upon us all. 
Covid 19 afffects all of us the CARES ACT helps all of us navigate this I had covid 19 which may impact me forever, but so will your negative credit reporting that you choose to report negative and should not have and should have already retracted. this is in violation of the CARES ACT, at least its intent as i understand it to exist to avoid this disconnect

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I have been a wells Fargo customer since i have applied for a mortgage almost two years ago. I had some issue which is normal for first time applying for a mortgage. Make sense. However, for the past three months or so I have been trying to refinance my mortgage and basically I had no one to communicate with. I have been going through the process with lots of unanswered emails, and phone calls. Lots of unanswered questions, that I needed some guidance with. I am extremely disappointed. The mortgage broker ( XXXX XXXX ) was not reachable, not through emails, and not through calls. I have left messages, and never got a call back. I am basically going through the process by myself. It got to the point that I have reached out to the manager ( XXXX XXXX ) after he sent a random email with a satisfaction survey. I was so frustrated with the customer service I am facing that I have picked up the phone to reach out for help. Sadly, the manager didn't pick up the phone either. I proceed and sent an email asking for help, guidance, something, or someone who can give me answers. I have explained my dissatisfaction and basically that I have no one to reach out to or anyone who can communicate with me to hep with my refinance process. Even my email didn't get a respond! How Ironic is it, that the manager sends a satisfaction survey but he doesn't really there for the client. It is very disappointing! I said this can't be real. I proceed and sent another email to the manager stating that this is the second email I have been writing in regards to my dissatisfaction with my refinance process. I have explained the difficulty i am having with providing certain documents to my mortgage broker, and still no answer or guidance. I have also added that i will be more than happy to forward all the emails I have sent to the broker just to emphasize how much i was ignored! Eventually two days ago I have gotten a letter in the mail saying that my refinance process is canceled. How is this possible?! if I have never got the support i needed completing the process. Not the broker ( XXXX XXXX ) or the manager himself ( XXXX XXXX ) were communicating. I would except a better customer service from a bank like Wells Fargo. At these times where we are going through global pandemic, and everything shifted to digital, customer service should come first and foremost. Wells Fargo- You failed!

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