vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: Waypoint Resource Group, LLC
State: NV

Complaint narrative:
We contacted XXXX about a move to a new address in XX/XX/XXXX. We were asked to pick up equipment for the new address, after picking up the equipment we noticed that our service had been moved to the new address. We called to have this fixed. After we completed the move, we noticed in the first week of XX/XX/XXXX that our bill was still showing the old address and not the new one. We contacted them, and they said they had issues transferring the old account to the new address, and as a result, an account was created for us by an agent who gave us the login in credentials over the phone. 
A few months later ( probably in XX/XX/XXXX ), we received the first notice about an outstanding bill from the previous address. We contacted customer service, and after a few calls, that bill was taken care of by the agent as a mistake. 
A few weeks ago, the same bill came up again, but it appeared twice on my credit report this time. All attempts to get this resolved amicably have proved null and void.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
THE ACCOUNT/INQURIES LISTED ARE FRAUDULENT SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THE FRAUDULENT ACCOUNTS IN MY NAME I HAVE MADE CRIMINAL COMPLAINT WITH FEDERAL AGENCIES I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRAs. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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: 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: LA

Complaint narrative:
I recently submitted a detailed claim via CFPB complaint center with irrefutable evidence that XXXX has been reporting inaccurate information on my credit report. 

XXXX explained in their response that they are OBLIGATED to ensure INTEGRITY and ACCURACY, but continue to report information that is CLEARLY inaccurate. They have been violating my rights as a consumer for years by posting inaccurate information on my credit report and they need to remove this account promptly. 

XXXX stated that they did a thorough review of the account and that the information is ACCURATE, but the documents that I have attached in my complaint contradicts that statement. If a thorough review was conducted, XXXX would have noticed the errors in the payment history, but they didn't. So how was a thorough review conducted? 

If the information is accurate, how is this account reported to have been on time from XXXX to XXXX, then late ( 90 days ) the following month in XXXX? You reported that this account was 120 days late from XX/XX/XXXX to XX/XX/XXXX. That doesn't make sense and from my understanding, FEDERAL STUDENT LOANS are considered to be in default if a debtor doesn't make their scheduled student loan payments for at least 270 days. This account displays that it was 120 days late.

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: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I recently submitted a detailed claim via CFPB complaint center with irrefutable evidence that XXXX has been reporting inaccurate information on my credit report. 

XXXX explained in their response that they are OBLIGATED to ensure INTEGRITY and ACCURACY, but continue to report information that is CLEARLY inaccurate. They have been violating my rights as a consumer for years by posting inaccurate information on my credit report and they need to remove this account promptly. 

XXXX stated that they did a thorough review of the account and that the information is ACCURATE, but the documents that I have attached in my complaint contradicts that statement. If a thorough review was conducted, XXXX would have noticed the errors in the payment history, but they didn't. So how was a thorough review conducted? 

If the information is accurate, how is this account reported to have been on time from XXXX to XXXX, then late ( 90 days ) the following month in XXXX? You reported that this account was 120 days late from XX/XX/XXXX to XX/XX/XXXX. That doesn't make sense and from my understanding, FEDERAL STUDENT LOANS are considered to be in default if a debtor doesn't make their scheduled student loan payments for at least 270 days. This account displays that it was 120 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: HW Holding, Inc
State: NC

Complaint narrative:
Collection agency announced they wete a debt collector and attempting to collect a debt on a public forum.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PENTAGON FEDERAL CREDIT UNION
State: PR

Complaint narrative:
Penfed arent sending the required by law, account statement. This situation caused uncontrol of my finances and a lot of charges on my overdraft.

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 when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I purchased a cell phone through XXXX XXXX XXXX through Synchrony Bank. The intent was of course to pay the phone off in incremental payments each month as described when I applied for the financing. I set up auto-pay to be directed to the " monthly statement. '' Synchrony Bank then decided that my monthly statement should be my total account balance and charged me for the full value of the phone in one bill, not the incremental payment that was agreed upon when financing was established. It is now requesting that I provide a paper form through the mail for a billing disupte and it will return my funds in a month ( far too long ). It misrepresented its payment system and was quite frankly fraudulent in doing so.

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: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX, {$500.00} was withdrawn fraudulently from my account using XXXX to transfer to another bank. I called the bank within 15 or 20 minutes after that occurred and reported this issue. They shouldve done something immediately but told me they had to file a report and a complaint. They said this could take up to 45 days to resolve. I found that extremely unusual since it was stolen by a thief. I called several times between XX/XX/XXXX and yesterday and just got the same runaround from everyone that I spoke with. They stated that they were working on it and it could take up to 45 days. My last phone call was yesterday XX/XX/XXXX. I spoke to XXXX. He told me they needed more days because They could not get it resolved yet. I asked them why it was taking so long. He said they had to get permission from the receiving bank and the person who stole my money To give it back. I thought that was very odd since the person fraudulently withdrew it from my account. Ive been with Bank of America for 37+ years. Im very disappointed with how they handle customer satisfaction.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX I have already disputed these inquiries several times. I called all 3 credit agencies and have not received a resolution that these inquires are mine.

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 fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been attempting to get pre-approved for housing. The mortgage company i am working with needs access to my credit report through Equifax, but had received errors claims the account/report is fraudulent for whatever reason. I have called Equifax over a dozen times now to resolve this matter. I have verified my identity countless times, sent three faxes to numbers they provided. I am still no closer to removing the freeze or error on my account that caused this problem to begin with. The customer services agents I've spoken to, none of which were from the United States, have been extremely unhelpful. They talk in circles and direct me to solutions that are dead ends. This has been going on for around month now and I can not afford to wait any longer. I needed this done weeks ago, and I'm still wasting hours every day trying to get it fixed with no help from Equifax itself. I'm still unclear what the error even is, but I have tried in countless ways to correct it. Needless to say I'm very frustrated with Equifax and their customer service, and do not have the time to waste on any other fruitless phone calls and faxes they will claim they never received. 

Below I have attached one of the three faxes I have sent. It has been redacted to remove peroneal information. Though I can send an unredacted version if that is needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: WA

Complaint narrative:
I refinanced my mortgage and the first payment was due on XX/XX/21. I set up a one time auto payment online with the servicer - TMS, The Money Source which was paid on XX/XX/21. I received a letter that my mortgage was being transferred to a new servicer XXXX XXXX effective XX/XX/21 and was not able to cancel the auto payment to the original servicer. The paperwork sent by TMS said the payment would be transferred by XX/XX/21 to XXXX XXXX. The payment has not been transferred as of XX/XX/21. Ive called TMS multiple times and was assured each time this would be taken care of. The last time I called they gave me a date of XX/XX/21. The payment has not be transferred

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: KS

Complaint narrative:
On Thursday, XX/XX/XXXX, I did an internal transfer of {$4000.00} from my Ally Checking account to my Ally Investment account. The funds were deducted immediately from my checking. As of XXXX on Friday, XX/XX/XXXX, those funds are missing. They are not reflected in my checking or investment account balance. I have been unable to reach anyone by phone, despite remaining on hold for 2 hours. I was able to reach a representative via the Ally Bank chat, and the representative said there was nothing he could 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: 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: FL

Complaint narrative:
There are numerous accounts listed on my credit report that I have no knowledge of. This was a result of malpractice or an error.

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: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
XX/XX/XXXX I received an alert that someone applied for a Cabella capitol one credit card in my name. There is a hard inquiry on my credit report. I reached out to Cabella and Capital one. I was told they would remove it from my credit report and also contact the three major credit bureaus. I called them yesterday XX/XX/ to inquire because its still on my report and Capital one stated they could not give me any information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MS

Complaint narrative:
I filed a complaint with the CFPB on XX/XX/XXXX ( COMPLAINT NUMBER XXXX ). This complaint was for missing money orders that my company, loancare, took away from my account. My account was current until XX/XX/XXXX payment. I paid via check, and my check bounced four times. It was done bouncing on XX/XX/XXXX. The account shouldve been back dated to my XXXX payment since thats the month I was paying for when my check bounced. After all the bounces, my account back dated to XX/XX/XXXX. You can see this on the explanation loan care provided from the prior complaint. This is not correct. I paid via money orders, that should not have been taken away. I told loan care this, and they stated provide copies front and back of the money orders. I did this multiple times, and they stated they did not receive them. After I filed this complaint, loan care came back with documentation explaining that my account was back dated, but they did not explain why it was back dated to XX/XX/XXXX. It also states that my account was current as well prior to the bounces. It was contradicting itself in the letter. As you can see in the attached documents, it blatantly says it got back dated all the way to XX/XX/XXXX. But since loan care responded, CFPB closed the complaint. It was not taken care of, nor did my question get answered. Where did the money orders go, and why did it get back dated to XX/XX/XXXX? They were deposited by loan care as seen on the back of the money orders, but taken away from my account. Is loan care stealing this money and not applying it? I called loancare to discuss today. I spoke with XXXX who was a supervisor, and she said she actually does see the front and back of the money order on XX/XX/XXXX and my account should be corrected! Go figure! The ticket number where she found this in was XXXX. She said she would fix, but all the sudden she said she couldnt because I filed a formal complaint with the CFPB. She was no longer legally allowed to talk to me and CFPB had to handle it. I told her multiple times, CFPB closed the complaint. Loan care stated the complaint was still open on their end, so CFPB had to get ahold of them to fix. Can someone fix this? I am missing almost XXXX on 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 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: NH

Complaint narrative:
I tried to log on to my USAA account for the first time in a few years. I talked to a security specialist, who unlocked the account, then promptly relocked the account so we can't pay bills. All of our bills a due to come out in the next day or two, none will get paid. USAA says there is nothing that can be done. No one in the company can fix it. 

I'm pleading with the CFPB. I realize you won't get this resolved any quicker, but I hope it helps the next person in this situation. It's not a good place to be in.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There are numerous accounts listed on my credit report that I have no knowledge of. This was a result of malpractice or an error.

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 when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
My bank sent a payment that would have brought all 3 of my Capital One credit cards current. Capital One just applied it to one account. I called on XX/XX/21 and the representative said they couldn't divide the payment up and apply it to all 3 accounts and would mail my payment back to me. I asked for a supervisor because the other 2 accounts were going to come due and asked if they could possibly freeze the accounts so I wasn't due another payment, interest, and late charges/fees. The manager said she would document the accounts since I was waiting on the payment to come back through the mail. The call ended while I was on the phone with her. I called today, XX/XX/21, because I noticed the payment was never sent back to me and that the other 2 accounts were hit with fees and another payment. I called and the guy said he didn't know why they couldn't have divided my payments since they do it all the time and passed me to his supervisor. His supervisor said the payment was sent out today and would take 10-15 days for me to receive it and there was nothing she could do about the other 2 accounts in fixing the payment that was occurring or the fees or late charges. She was unhelpful in helping me try to resolve the situation and said I could file a complaint if I wasn't happy. I mailed a payment of {$6000.00} that hit my account originally on XX/XX/21.

Company response to consumer: Closed with monetary relief
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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. JPMCB AUTO FINANCE Inquiry : XX/XX/2019, XX/XX/XXXX Inquiry : XX/XX/2019, XXXX XXXX Inquiry : XX/XX/2019. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

Company response to consumer: Closed with explanation