vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-24 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: EQUIFAX, INC.
State: WA

Complaint narrative:
I entered into consumer credit transactions in which I used my credit card as defined under 15 USC 1602 ( L ). Because I was the original creditor ( 15 USC 1602 ( g ) ), that was a private matter between me and said companies in which I extended the credit as the original creditor, but was then made public through my information being shared publicly in a consumer report by Equifax, which is a violation to my rights to privacy as a consumer. Furthermore, Equifax exercised unauthorized use ( pursuant 15 USC 1602 ( p ) ) by reporting my credit information ( publicly ) without my consent, which didnt benefit me, violating my rights as a consumer with the reported information ( see attached exhibits ). As a result, I experienced damages in the form of embarrassment and anxiety.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 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: CURO Intermediate Holdings
State: AZ

Complaint narrative:
The Credit Report Agency and Debt Collector both did a negligent investigation This is a clear error and violations of 15 U.S. USC Section ( a ) ( 1 ) ( A ) - the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 


I will send a copy of original contract that AD ASTRA REC sent me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 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: NC

Complaint narrative:
Based on the Transunion report dated XX/XX/XXXX, XXXX XXXX failed to report the correct amount paid on my credit card payment due XX/XX/XXXX. Transunion report shows info was last reported XX/XX/XXXX Additionally, Transunion is showing {$84.00} in payments but I made 3 payments totaling {$120.00} for the payment due XX/XX/XXXX XXXX See below ) The result? My credit score dropped 38 points in XXXX. As of XX/XX/XXXX the Transunion report still is not updated or correct. 

XX/XX/XXXX {$87.00} ( for XX/XX/XXXX payment ) Cleared bank XX/XX/XXXX XX/XX/XXXX {$35.00} ( for XX/XX/XXXX payment ) Cleared bank XX/XX/XXXX XX/XX/XXXX {$25.00} ( for XX/XX/XXXX payment ) I contacted the credit card company via phone about this on XX/XX/XXXX and was told by a rep it takes 3 business days to investigate. They never called back. I called again on XX/XX/XXXX to follow and spoke to another rep who stated the investigation was not completed yet. I called again for the 3rd time on XX/XX/XXXX and in the middle of explaining the situation to the rep the call dropped. Not sure if they hung up on me or the call actually dropped. I have the call log saved. 

My account has been in good standing with this company with no missed payments ( 100 % on time ) since the account opened in 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 2021-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
I have received a debt settlement notice in my mailbox. I do not owe any kind of debt to any one. All my credit cards are regular and up to date. I do not carry any balance forward. 
The sender is XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, Michigan XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NJ

Complaint narrative:
I ordered a few things from XXXX and had to get a refund for something I had a certain amount in my account I received my refund today the XXXX XXXX the last time I used my card was the XXXX which brought my account to another amount I have not used my card at all and my refund disappeared out of nowhere I have a family and bills I want my money and I'm going to uninstall that app

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 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: Merchants' Credit Guide Company
State: TX

Complaint narrative:
After reviewing my credit report, I sent dispute letters to the credit bureaus in XX/XX/2021 requesting that the accounts showing for Merchants Credit Guide Company be validated and if it could not be validated that it be removed from my credit report. 

During their 30 day investigation time frame, I received two letters dated XX/XX/2021 from Merchants Credit Guide Company stating they were enclosing copies of the verification documents I requested and to contact them to make satisfactory arrangements. There were two additional documents appearing to be from XXXX XXXX XXXX XXXX which showed the DESCRIPTION as XXXX XXXX VISIT and appeared to be two bills. 

All four documents had different account numbers on them so it does not appear that any document included supports another. 

There were no contracts or signatures for the accused debts at all. A bill without a written signature does not validate the debts and anybody can send a bill and say its mines. According to the FCRA, Merchants Credit Guide Company has violated my rights as a consumer and I am requesting legal action to remove these accounts immediately.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I entered into consumer credit transactions in which I used my credit card as defined under 15 USC 1602 ( L ). Because I was the original creditor ( 15 USC 1602 ( g ) ), that was a private matter between me and said companies in which I extended the credit as the original creditor, but was then made public through my information being shared publicly in a consumer report by TransUnion, which is a violation to my rights to privacy as a consumer. Furthermore, TransUnion exercised unauthorized use ( pursuant 15 USC 1602 ( p ) ) by reporting my credit information ( publicly ) without my consent, which didnt benefit me, violating my rights as a consumer with the reported information ( see attached exhibits ). As a result, I experienced damages in the form of embarrassment and 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 2021-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
To Whom it may concern, I have a checking and saving account in Chase Bank. I received a check for a rental payment from my tenant with the amount of {$8400.00}, post date XX/XX/XXXX and I deposited the check on XX/XX/XXXX. The fund went through successful after a few days. However, a few months after, on XX/XX/XXXX, I received an email notification from Chase which state that my account was overdraft and the check was return due to reason of " the payer bank suspects that the check is a forgery. '' I contacted Chase regarding to the issue and they did not give me any explanation of the reason why it take a few months to find out that it is a forged check. Instead, the fund went through to my account and was deducted without any advise a few months after. While I visited the branch and called the support number at the back of the debit card, both of the banker on site and the customer support on phone does not have any idea of why it takes so much time to verify and both of my checking and saving account were closed immediately as a non-reversible decision. 

I am the victim who lost the amount of the given check, at the same time, the Chase bank suspended my bank account for no reason and will no help to investigate. I have filed a local police report at XXXX Police Department, case # XXXX. However, the police states that they do not have enough evidence as they do not have the actual check on hand and either the Chase bank or the check issued bank which is XXXX XXXX  should provide me more information of the reason why and how they have proof the check is a forgery.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 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:
Ive failed a dispute in regards to the incorrect items on my credit report it has been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
At the start of 2021, XXXX started billing me for subscription to XXXX although I did not subscribe. I disputed the charge and asked that they stop billing me and requested that they close my account to stop the charge if needed. XXXX did not ; they charged me late fees instead on the latest bill sent. Thereafter I cut the card in half and returned it to the issuer as I requested that they cancel my account. I sent letters to three of their departments. 
On a recent letter I received in XXXX, I was informed that my account is still open but I will not be able to charge on it. 
Subsequently, my account was closed and maliciously reported to XXXX to give a negative impact to lower my credit score for not having paid the disputed charge of {$38.00} and tacked on additional late fees of {$40.00}.

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 2021-03-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
Midland Credit Management INC at XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX has been sending me collection notices in the amount of {$790.00}. The collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I applied for a Capital One Wal-Mart Rewards Card in XX/XX/XXXX. I have great credit and was approved no problem. I used the card somewhat frequently up until about 2 weeks ago. I noticed it was closed on my XXXX  XXXX  report. The debt was paid in full. In fact, they owed me {$25.00} in cash back rewards ( that I still haven't seen even though I was told they would mail me a check ). I called to figure out why they closed it. It was because I was XXXX  on XXXX  charges in XXXX. My life is totally different now. I work 3 jobs and one of them is a business I started. Anyway, although I disagree with this policy, I ( somewhat ) agree that they have the right to close the account. I say " somewhat '' because in the paperwork details for this very same card say under the " notice to Ohio residents '' it says due to anti-discrimination they have to offer credit equally to all credit worthy customers. I'd say I fit that description - and they must have agreed because they issued a card! What really bugs me though is that they couldn't have just asked me if I had been XXXX  XXXX  XXXX XXXX  during the screening process. I would have answered honestly and they could have denied me then - without ever having to run my credit. Instead, they do a hard inquiry ( which now I'm stuck with for 2 years ) and then turn around and close the account - which lowers my overall credit. so it hurt my score in 2 ways when a simple question could have avoided this whole situation. If this is their policy is should be advertised and asked about in the screening process. I also feel like, according to their own rules ( of being deemed credit worthy ), they should have to keep the account open - as long as I didn't fall behind or wasn't using it, or whatever reason would be sufficient cause.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: FL

Complaint narrative:
ERC collection agency claims I owe XXXX XXXX XXXX money. I do not have an account with XXXX XXXX XXXX of any kind. Never had! The amount claimed is {$1100.00}. Received the letter from them on XXXX. I have called ERC and explained that I had NO account with XXXX XXXX XXXX and it seems like it is FRAUD even how they wanted to make payments to XXXX XXXX or XXXX market. This is a strange? This sounds like crooks to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Monterey Financial Services LLC
State: CA

Complaint narrative:
Monterey collection services has reported a debt they claim i owe as " new '' to the credit bureau. According to them, the debt I allegedly owe is from XXXX. However Monterey collections is reporting it as delinquent recently as of XXXX, most likely this is when they bought the illegitimate debt. By reporting it to the credit bureaus as " new '' they are violating reporting laws. The statute of limitations is nearly exhausted and it would be dropped from my credit report shortly thereafter. This should be corrected with the credit bureau. This company is already being investigated by agencies who have evidence that their practices are less than legitimate and lawful. I know this to be a fact as the agents have reached out to me directly to take my statement regarding Monterey collections and their unlawful practices. Monterey collections you can't just make up a date you like and report that to the credit bureaus. You must report accurate information by law. This collection agency knows this debt is illigimate therefore they report it as " new '' to buy them time to try to make a person believe they owe it. Not happening Monterey collections. At least report the date of delinquency accurately which according to you is XXXX not XXXX. I will continue to report Monterey collections and call them out until they report accurate information under the law to the credit bureaus. In the meantime I will continue the investigation to gather the evidence that this debt is illigimate to start with.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I have had my Apple Card for quite some time and was actually one of the founding members. Well, when COVID hit hard and I lost my job, I was actually 32 days late on a payment so I was hit with a late payment on my credit report which is a super negative thing to have on your report. I tried explaining to them that this was COVID-19 related and that I lost my job and had it pretty rough for an extended period of time AND the fact that I used their forbearance program for several months because my income was not sufficient enough to make the payments, but they do not seem to care about this and are unwilling to work with me in getting this late payment removed off my report as a one time courtesy. I had made initial contact right after noticing the late payment and a dispute was filed however it came back that the " information was accurate ''. I was never disputing this, so this was frustrating so upon talking again, this time to a supervisor, I had another claim filed and about one whole month later that was also rejected because the " information was accurate '' - It never actually goes anywhere. Since then I have mailed one goodwill letter that I never heard back from and today, sent another one via certified mail. So, I am reaching out in hopes that you guys can help me with this as I believe what is 'fair ' is that they remove the late payment just this once as I have assured them it will never ever happen again. I am embarrassed and a late payment is something I never ever wanted on my report. 

Thank you for listening and taking the time to help everyone. 
-XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 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: TN

Complaint narrative:
I have numerous negative items stated on my credit report that is not mine. I was never aware of these negative items. I believe I have been a victim of identity theft and this misinformation on my credit report has been affecting me terribly. My information was also compromised during the XXXX  data breach.

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 2021-03-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
This letter is to formally advise that Medical Revenue Service has violated several of my consumer rights. Specifically Exhibit A : placing acct # XXXX on my credit reports before 30 days of asking me to verify debt. Exhibit B : failed to Validate my request of Debt and HIPPA authorization after I sent a letter on XX/XX/2021 for Validation. Which is an FDCPA violation and HIPPA violation.. Exhibit C : continuing to report disputed debt to the Credit bureaus, another FCRA violation XXXX Not only did Medical Revenue service ignore my prior requests for validation of debt and HIPPA authorization but continued to report this debt to the credit bureaus after I told them it wasn't my debt, causing damage to my character. As you may be aware " XXXX  by silence '' legally means that Medical Revenue service had a duty to speak but failed to do so therefore, that must mean they agree with me that this debt is false. I will use XXXX in my defense If I need to sue.. And also seek damages from Medical Revenue service if warranted.

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 2021-03-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: VERITAS FUNDING, LLC
State: UT

Complaint narrative:
I submitted a complaint last year regarding TRID tolerance violations committed by Veritas Funding , LLC ( " Veritas '' ) complaint ID XXXX. This is not a duplicate of that complaint, rather it is a complaint regarding further violations as Veritas  pretends to be servicing a mortgage that has been rescinded. 

Veritas originated a rate and term refinance conventional mortgage on my primary residence in XXXX of XXXX. They sold my loan to XXXX, who sold it to XXXX. Eventually, Veritas had to buy the loan back from these entities after I brought to light they had completed terms in a blank contract sent to them with my closing package, without my knowledge, and used that contract to sell the mortgage FOR PROFIT. 
Due to TRID tolerance violations left outstanding, and Veritas ' unwillingness to acknowledge and cure those violations, I had no choice but to rescind the mortgage in XX/XX/XXXX. 

Veritas refused to acknowledge the rescission and rather than unwinding the transaction, they hired an attorney. I filed the aforementioned CFPB complaint not long after, in XX/XX/XXXX. 

Veritas answered the complaint by admitting TILA and UDAAP violations, lying about a cash out refinance, and offered me a tolerance cure - POST RESCISSION ( another violation ) along with another incorrect Closing Disclosure ; they misrepresented {$400.00} I paid outside of closing. 
I have not cashed the tolerance cure check ( s ), extended by Veritas. 

THE CFBP DID NOTHING REGARDING THESE GROSS VIOLATIONS! 

Veritas has continued to send me notices since then, on a monthly basis, as though they are servicing the loan. This past week, I received a letter from a debt collecting law firm, telling me I was in default on my mortgage and could be facing acceleration of the mortgage and potential foreclosure if I did not pay them over {$33000.00}. 

The failure of Veritas Funding , LLC to follow Federal Lending Statutes, to continue to act in the capacity of a servicer after being given notice of a lawful rescission, to attempt to collect on a debt that does not exist, and to consistently act in bad faith prompts me to file another complaint. 

I have not attached the monthly statements, as I have not yet scanned them. But, I can if requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital one never reached out for verification or did an investigation. Capital one said we can see no evidence of fraud on this account and we are not talking any action at this time. So we closed this case and arent doing any more research.

Company response to consumer: Closed with explanation