vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-24 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2800.00}, {$3200.00}, {$4300.00}, {$6200.00}, {$1800.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on  XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2800.00} -This is not my account. 

2. XXXX XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3200.00} -This is not my account. 


-- COLLECTION ACCOUNTS 3. XXXX XXXX XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4300.00} -This is not my account. 

4. XXXX XXXX XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6200.00} -This is not my account. 

5. XXXX XXXX XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my 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 2020-10-24 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: IN

Complaint narrative:
I have asked for items to be removed from my credit report that have not been verified as being mine. They have not been able to show proof of any original contracts with my signature or proof of late payments.

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 2020-10-24 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I originated the auto loan in XXXX and have never been late on any payments. In good faith, I prepaid my loan in XXXX of XXXX. My lender if XXXX XXXX and they do not provide statements, but a voucher book at time of origination. Upon loan payoff, because I don't receive statements and there is no option to receive statements, I waited to receive my title. On XX/XX/XXXX, I followed up on my loan payoff to realize that there was a pre-payment penalty due. Upon that understanding, I paid the penalty on the phone to clear the debt. Between XXXX and XXXX, I never received any type of communication either by phone or email or postal service that I was due this penalty or frankly the fact that it was owed or late. That following week, I pulled my credit report and it showed a deficiency of 116 points.  XXXX XXXX reported that I was 120 days past due. This clearly inaccurate and a violation of the Fair Credit Reporting Act ( FCRA ) which states that if an institution reports a status that that status must be accurate. I called XXXX XXXX to discuss this issue and they stated that their credit reporting was accurate. I have never been late in any payment to XXXX XXXX and in all respects was trying to do the right thing to pay off the loan early. The fact that XXXX XXXX never reached out to me verbally in 120 days to tell me that I had an overdue fee seems like a poor business practice that adversely impacted a consumer. My hope in this dispute is to re-establish my credit score and ensure that XXXX XXXX doesn't treat any other customer in this same type of treatment.

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 2020-10-24 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: DISCOVER BANK
State: FL

Complaint narrative:
On XX/XX/2020, I ordered groceries from XXXX XXXX XXXX XXXX. The groceries were not delivered despite the driver saying they were. 

I called XXXX to inform them of the failure to provide me with the groceries I paid for using my Discover card. XXXX sent an email saying they would credit the account due to the fact that I have security ( a gate with a security guard as well as cameras ) at my home and could prove the driver never arrived with the groceries.

After waiting for several days for the credit to appear on my account, I  decided to call Discover. I filed a dispute and attached the email from XXXX showing the refund that they never gave me. 

It is now XXXX and Discover is refusing to return my money for the groceries I never received from XXXX despite being in possession of the email showing the refund that was never issued. 

I am asking that Discover send me a check or money order for {$220.00} on or before XX/XX/2020 for the groceries I paid for and never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP
State: CA

Complaint narrative:
Received a reliacard from US Bank that I never applied for or need. Called to learn that someone applied for unemployment benefits in Ohio and used my name, address and SSN without my knowledge or permission. Asked US Bank to deactivate the card and delete my attachment to any requests or involvements.

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 2020-10-24 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have been sending dispute letters for 3 months now and requesting verifiable proof and more than 40 days have passed and nothing from this company. I have been sending dispute letters for 3 months now and requesting verifiable proof regarding 2 accounts under XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX  XXXX XXXX, and XXXX XXXX. Experian/XXXX/XXXX  are reporting inaccurate information and they must delete the items in questions. Failure to investigate and remove the inaccurate account is causing great stress to me and my family. More than 40 days have passed and nothing from this

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 2020-10-24 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: IN

Complaint narrative:
I have asked for items to be removed from my credit report that have not been verified as being mine. They have not been able to show proof of any original contracts with my signature or proof of late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I have asked for items to be removed from my credit report that have not been verified as being mine. They have not been able to show proof of any original contracts with my signature or proof of late payments.

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 2020-10-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA

Complaint narrative:
I have contacted this collection company three times requesting validation of an account that is being reported to credit bureaus for XXXX XXXX in the amount of {$1800.00} and for the amount of {$500.00}. This company is reporting two different times with two different amount with the same account number. The first written letter was sent on XX/XX/2020, XX/XX/2020 and XX/XX/2020. On my credit report with credit bureaus it reflects that the account that was disputed meets FCRA requirements and this collection company fail to respond to my request of validation. This company has ignored the request for validation three times and this inaccurate information that is being reported to credit bureau has hurt my credit score and my reputation. I have given this collection company plenty of time to give me validation but they have failed to provide me with the information.

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 2020-10-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MT

Complaint narrative:
To : Consumer Finance WWW. Consumerfinance.gov Dated :  XX/XX/2020 Loan # XXXX Dear Sirs : I want to file a complaint against NewRez, XXXX, SC XXXX XXXX Escrow Department. In XX/XX/2020 I closed a VA loan with NewRez which included a tax and insurance reserve account. At that time the closing included a tax payment for the real estate taxes due on XX/XX/2020. In XXXX of 2020 I received a tax lien on the property at XXXX XXXX XXXX XXXX which is the property for the VA loan. In XX/XX/2020 I called NewRez and told them about the tax lien. FromXX/XX/2020 to XXXX of 2020 I tried to resolve this problem but got the same answer that they are working on it. I never got to speak to anyone in the Escrow Department. This was a simple mistake on their part and an easy fix but no one would communicate with me. Just same old response they are working on it. In XX/XX/2020 I was informed my property would be up for a tax sale. Consequentially I paid the taxes up and got a receipt. I have repeatedly asked to drop my escrow and will pay it myself but got no response. This cost me an extra {$250.00} estimated in late charges, fees, and someone else taxes being paid. 

I cant believe that VA and XXXX would allow a financial institution to have an escrow department and not have anybody to communicate with. I am requesting NewRez pay for my extra costs and close my tax and insurance account. Also I have applied to refinance my existing loan with NewRez at a 2.25 % interest and do not want a tax and insurance reserve account. I have numerous emails to substantiate my contacts with NewRez. 





XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have been sending dispute letters for 3 months now and requesting verifiable proof and more than 40 days have passed and nothing from this company. I have been sending dispute letters for 3 months now and requesting verifiable proof regarding 2 accounts under XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX  XXXX. XXXX/XXXX/TransUnion are reporting inaccurate information and they must delete the items in questions. Failure to investigate and remove the inaccurate account is causing great stress to me and my family. More than 40 days have passed and nothing from this

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 2020-10-24 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have been sending dispute letters for 3 months now and requesting verifiable proof and more than 40 days have passed and nothing from this company. I have been sending dispute letters for 3 months now and requesting verifiable proof regarding 2 accounts under XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. XXXX/Equifax/XXXX  are reporting inaccurate information and they must delete the items in questions. Failure to investigate and remove the inaccurate account is causing great stress to me and my family. More than 40 days have passed and nothing from this

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
On XX/XX/2018, LVNV Funding LLC added a derogatory mark on my credit report per credit karma. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was No written form of communication, contract, or signature for this accused debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say it's mine. According to the FCRA, LVNV Funding LLC has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Capital One informed me in XX/XX/2020 that there was suspicious activity on my account and they would be closing my business with them after investigation. I was told that some deposits that were made not in my name would be returned to the issuing agency and my remaining funds ( which were all deposited in my name ) would be sent to me ( about 28k ) in 10 business days. Since then there has been no response.

Over the last few months Capital one has not responded to my inquires or sent me any funds or information. I am able to see my
accounts and can see they have withdrawn funds back in XXXX and continue to have hold on remaining funds. Im aware that investigations can take up to 90 days however that deadline has passed and I would like my funds which are not under review remitted to me and my account closed as promised.

The deposits in question were from my girlfriend and mother using separate accounts we had made together to receive their unemployment benefits. Even after verification with unemployment office and addition of them as beneficiaries on account Capital One chose to refund the deposits ( I assume ) to unempyment. However the remaining funds included funding I had received in my name. It has been very difficult to deal with COVID and loss of work while also not having access to this large amount of my money. 

As of XX/XX/2020, Capital One continues to ignore my emails and phone calls. I am forwarded to the security department voicemail where I have repeatedly left my information and requested call back. I am unable to close out my accounts or move my remaining funds.

Please help, at this point Im at a loss for what to do besides a lawsuit and due to COVID and my financial hardships this is just not feasible.

At the same time my credit card with Capital One has now listed 4 months late payments as they refuse to use my remaining funds to pay the balance yet continue to hound me with calls and emails and letters about my unpaid balance of {$350.00}. Yet they continue to not  answer about my $ XXXX frozen. Debt collectors refuse to acknowledge this and continue to report negative on my credit reports even after explanation of this and COVID hardships.

Im very close to becoming homeless at this point and am concerned once my cell phone is turned off I will be unable to ever get my funds.

I understand banks need to investigate and have rules regarding suspicious activity which can be broadly defined as anything from deposits to withdrawals into bitcoins. Im not disputing this action, I only want to close my account and collect my rightfully deposited funds now that is has been well over the limit for account investigations and completion. 

Thank you. 
XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
There are accounts on my credit report that do not appear to be mine and are inaccurately reporting on my credit report. I have attempted to dispute these accounts with the 3 credit bureaus and they continue to report the accounts.

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 2020-10-24 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: FL

Complaint narrative:
I don't know how many times I am suppose to complain and send in documented proof of errors and federal violations to my credit report. The law states if the credit bureau does not respond/resolve a requested issue/dispute in 30 days the item is removed. Where is it legal that a creditor removes and item but the credit bureau determined to keep it on the consumer credit report. At this junction I have no other choice except legal recourse. All credit bureaus where sent certified letters in XXXX and XX/XX/2020 without a response in 30 days. See the attached.

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 2020-10-24 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I don't know how many times I am suppose to complain and send in documented proof of errors and federal violations to my credit report. The law states if the credit bureau does not respond/resolve a requested issue/dispute in 30 days the item is removed. Where is it legal that a creditor removes and item but the credit bureau determined to keep it on the consumer credit report. At this junction I have no other choice except legal recourse. All credit bureaus where sent certified letters in XXXX and XX/XX/2020 without a response in 30 days. See the attached.

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 2020-10-24 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Advanced Collection Bureau, Inc.
State: GA

Complaint narrative:
I have contacted Advanced Collection Bu three times requesting validation of an account being reported on my credit report. Letters were  written and mailed to this company on the following dates : XX/XX/2020, XX/XX/2020 and XX/XX/2020. This company has failed to provide me with any form of validation. When I spoke with a representative from the company I was informed that they will continue to report on my credit report. This company has also re-aged the account every month since I requested validation from them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Dear ''CFPB '', Its been well over 30 days and I haven't receive any results regarding my dispute with Equifax.I will attach a copy of my disputer my letter and my 30 day demand letter that was sent XX/XX/2020 and XX/XX/2020.

Company response to consumer: Closed with explanation