vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Asset Management Outsourcing, Inc.
State: TN

Complaint narrative:
I've been trying to get my credit score fixed, and all of a sudden this collection company added 4 collections to my credit report like if I owe them money, I have never heard about them or a debt related to them, I was never notified and I've definitely never heard about them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 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:
This accounts is not mine and inquires as well please remove them. Its a fraud

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 2021-06-14 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:
This accounts is not mine and inquires as well please remove them. Its a fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 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: OK

Complaint narrative:
I, the consumer, in fact, have a right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ). My privacy is violated by the following companies : XXXX, XXXX, and Equifax. I have informed the consumer reporting agency XXXX  by mail of the specific accounts they are continuing to report in violation of 15 USC 1681 ( a ) ( 4 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 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: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I, the consumer, in fact, have a right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ). My privacy is violated by the following companies : XXXX, Experian, and XXXX. I have informed the consumer reporting agency XXXX  by mail of the specific accounts they are continuing to report in violation of 15 USC 1681 ( a ) ( 4 ).

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 2021-06-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
My Capital One card had a balance of {$1200.00} due on XXXX paid full amount XXXX, just received new bill for interest {$15.00} The Cap. card was my old Wallmart card ending inXXXX. I have never been charged interest when paying in full? Fell Capital One are crooks XXXX XXXX XXXX Thanking You in Advance

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-14 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: GA

Complaint narrative:
THE ACCOUNTS LISTED ARE ERRORS AND ARE FRAUD. THESE ACCOUNTS ARE HURTING MY CREDIT PROFILE. I BELIEVE THAT MY SSN WAS COMPOIMISED IN SOME TYPE OF DATA BREACH OR IDENTITY THEFT. THE LISTED ACCOUNTS ARE NOT MINE, THEY BELINGS TO SOMEONE ELSE. I BELIEVE IAM A VICTIM OF IDENTITY THEFT. SECTION 605 B STATE THAT IF THESE ACCOUNTS ARE A RESULT OF INDENTITY THEFT, THAT IT MUST BE REMOVED OFF OF MY CREDIT REPORT.PLEASE REMOVE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
I contacted credit acceptance last month before my payment was due and explained that I needed to see if I could forward my payment to the end of the payments due to me not receiving my check last month. They told me I could instead pay them {$30.00} fee and they will extend out the payment over next three months after they told me they can not let that payment go to the end. I am in a forbearance with my mortgage already due to COVID and I explained that too them I paid the XXXX dollars and this month I have yet to receive last months due check and now have not received this months check as I have tried to correct this error I had to call credit acceptance again and explain that for the second time now Im last year and a half I have not received my check that I needed an extension or something. They told me not available and that my name and number will be put on the call list. Every day except Sundays for the last two weeks they call with an automatic system four and five times a day leave one message and keep on calling. I asked them to put a check on that since its a bit repetitive and they said they can not control who and when the machine calls out on debts owed. I said well that is a problem and illegal that once a week is more like a reasonable calling pattern. It still goes on four and five times a day. I have a call log on my phone showing times and lengths of messages. Its a bit to much. First you dont want to help out then when I do need a bit of peace and quite I get hounded by a machine calling me several times a day. I am done. I will pay as soon as my check clears my bank and I have actual funds to pay with instead of writing a bad check that cost me even more. As I am writing this they are even calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: DISCOVER BANK
State: CA

Complaint narrative:
This is regarding Discover Bank rejected outbound transfers that haven't been returned for 24 days or more. On XXXX XXXX, I scheduled 23 transfers from my Discover Checking to my XXXX XXXX XXXX. Each transfer is in different amount but the total is {$9600.00} ( see attached screenshot of my Discover activities XXXX. I got account suspension notices on XX/XX/XXXX immediately. I called in Discover XXXX XXXX XXXX XXXX the next morning on XX/XX/XXXX and was told suspension due to account name mismatched. This should not happened because Discover has verified my XXXX account with two small deposits on XX/XX/XXXX, as well as two successful transfers completed on XX/XX/XXXX and XX/XX/XXXX. ( see attached screenshot of my XXXX activities XXXX. Anyway, after the call, my account was reactivated on XX/XX/XXXX and those 23 transfers have been updated arrival date to XX/XX/XXXX. However, XXXX has never received them. I made another 3 calls to Discover to figure out and was told by 3 different banking specialists that all my transfers were rejected and will be back to Discover checking in 2 to 3 days. I also sent secure message via Discover online portal and this agent said Missing Transaction request was escalated on XX/XX/XXXX, asking me to wait 2 to 3 days again. However until today XX/XX/XXXX, I still don't receive my money! Neither have I received any emails regarding how they resolve the problem or escalate. No updated status of the funds. I am losing patience and don't trust Discover any more so I have to file this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 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 ACCOUNTS LISTED ARE ERRORS AND ARE FRAUD. THESE ACCOUNTS ARE HURTING MY CREDIT PROFILE. I BELIEVE THAT MY SSN WAS COMPOIMISED IN SOME TYPE OF DATA BREACH OR IDENTITY THEFT. THE LISTED ACCOUNTS ARE NOT MINE, THEY BELINGS TO SOMEONE ELSE. I BELIEVE IAM A VICTIM OF IDENTITY THEFT. SECTION 605 B STATE THAT IF THESE ACCOUNTS ARE A RESULT OF INDENTITY THEFT, THAT IT MUST BE REMOVED OFF OF MY CREDIT REPORT.PLEASE REMOVE.

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 2021-06-14 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: TX

Complaint narrative:
Through XXXX XXXX I received an alert on XX/XX/2021 to verify my credit and when doing so I realized that they had subtracted 100 points from my credit score in Equifax where until the day of XX/XX/2021 I had it score at XXXX. This caused me great concern and at the same time a great annoyance since I do not understand what happened here. 

I proceeded to call Equifax who assisted me in customer service XXXX who explained to me more or less what happened and where she provided me with this website ( www.ftc.gov ) to submit this claim where I ask that this situation be verified. that I have all my accounts up to date, and I have never fallen behind in any and where I have not requested an increase in any of my accounts currently. 

Please, I ask you to help me in this situation which has me very bad and worried.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF THE WEST
State: MO

Complaint narrative:
I made a mobile deposit on XX/XX/2021 for {$620.00} and was able to see on XX/XX/2021 that it had been credited. But over the weekend when I tried to access my account online, found out that it had been locked and could not be reset. I have been trying to reach the customer service at XXXX and have spent hours. On XX/XX/2021, I received a letter saying my funds are on hold till XX/XX/2021 from the bank. The reason given was that " We have confidential information that indicates that the check may not be paid ''. This a real check issued by XXXX XXXX XXXX after closing the account there, and don't see any reason why it had to be held for this long. 

I had also contacted the bank about the change in banking hours, and also why the drive thru ATM was moved inside the building. I believe someone at the bank is not happy that I raised these questions and everything that happened in the last few days is some form of retribution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 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: CA

Complaint narrative:
I've called XXXX XXXX multiple times, faxed three ( 3 ) and wrote to them four ( 4 ) times including the request for Validation Letters that I'd sent to the reporting Vendor. 
I've asked that they verify Per the Fair Credit Reporting Act, 15 U.S.C. 1681. To please PHYSICALLY verify and VALIDATE as required under the FCRA all of the following data on all the below accounts : ALL DATES, FULL ACCOUNT NUMBER, ACCOUNT STATUS, PAYMENT STATUS, ACCOUNT BALANCE, HIGH BALANCE, TYPE OF ACCOUNT, CREDIT LIMIT, DATE OPENED, MONTHLY PAYMENT AMOUNT, PAST DUE AMOUNT, ORIGINAL AMOUNT OF TRANSACTION/LOAN, DATE OF LAST PAYMENT, DATE OF LAST ACTIVITY, AND REMARKS regarding a collection that they have been reporting on my report since XX/XX/2021. 

I've written to EQUAFAX requesting VERIFICATION on XX/XX/2021, XX/XX/2021, XX/XX/XXXX, XX/XX/XXXX. 

They have yet to provide the required data.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
On XX/XX/2020 is submitted a complaint ( XXXX ) these derogatory items were supposed removed from my credit file since the complaint was closed. This company aren't allowed to collect debt whatsoever, and now upon checking my reports after updating my new address information I see that these creditors are now sending new correspondence to my new home address. This is harassment and against the law. These harmful items still exist and are seriously damaging to my score. They now have a new company reporting the same debt this company 's name is Phoenix Financial Service. Upon checking with my state this company is also unlicensed and unauthorized to collect debt in the state of Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XX/XX/2021 a summon for debt {$2900.00} from a company I have never heard of. Company representing XXXX XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX Phone number ( XXXX ) XXXX ext XXXX I returned a phone call on XXXX about The certified dispute letter to verified the debt. 
Called on XX/XX/2021 to follow up about verifying the debt. No update on verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 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 have a closed credit card account from XXXX with XXXX / XXXX that is seven years old and has been disputed before and on XX/XX/XXXX, XXXX one out of the three credit reporting agencies removed this account from my credit within five days, the other two agencies Experian and XXXX told me by phone on XX/XX/XXXX they have to follow federal guidelines but have the right to retain this information on my credit during that seven year period even if the closed dates are disputed to be incorrect, this account is showing in the XXXX system as frozen after it was disputed, it was explained to me by XXXX customer service this wasn't done by them that XXXX / XXXX put a freeze on this account so nobody could remove it from my credit until XX/XX/XXXX, I contacted XXXXXXXX XXXX questioning this and got nowhere with them, Experian is continuing to report this until XX/XX/XXXX and will not remove it until that date, this may only seem like a few months but this is a way for the credit card companies and credit reporting agencies to punish the consumer.

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 2021-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I submitted a Consumer Protection Bureau dispute on XX/XX/XXXX under XXXX for XXXX  and XXXX for Transunion. On n=both disputes the findings were that both bureaus were going to update and delete the incorrect addresses off of my credit report. As of XX/XX/XXXX this still has not been completed. I need the following addresses deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX XXXX XXXX, TN XXXX Transunion - XXXX XXXX XXXX XXXX XXXX XXXX, TN 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 2021-06-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
XX/XX/XXXX I ran a copy of my credit report and realized that Synchrony Bank was reporting three separate inquires that I did not authorize! XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I attempted to send an inquiry to Synchrony asking who authorized the inquires however my letter was sent back as undeliverable. Not only are they reporting unauthorized inquiries on my report, they are also reporting an inaccurate dispute address. 

I did not authorize these inquires and I am NOT benefiting from them.

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 non-monetary relief
Consumer complaint received 2021-06-14 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: Experian Information Solutions Inc.
State: KS

Complaint narrative:
I had several hard inquiries on my account that I did not authorize. I called and sent several dispute letters. 

Company TransUnion Date : XX/XX/2020 XXXX XXXX Date : XX/XX/2020 XXXX card Date : XX/XX/2020 XXXX XXXX Date : XX/XX/2020 XXXX card Company Experian Date : XX/XX/2020 XXXX XXXX Date : XX/XX/2020 XXXX Date : Dont show XXXX XXXX Date : XX/XX/2020 XXXX card

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 2021-06-14 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:
DEMADE TO COMPLY! 


Please reference CFPF Record # XXXX. 

This compliant has been going on for months and TransUnion is the only CA report this account XXXX XXXX XXXX XXXX XXXX XXXX # XXXX and in violation of my rights! Why should they be allow to publish this false information in my credit report and keep delaying the removal? 

It has been over 30 days and it's staying this can back to me within 60 days. Why do I have to be delayed for there bad business practices? Again, I will move forward with contacting the attorney that sued XXXX for XXXX XXXX dollars. As from this point Trans Union was provide the opportunity to correct the issues and refuse to do so, now they will be FULLY RESPONSIBLE IF I APPLY FOR A HOUSE AND GET DEINED. 

They will have XXXX pay for all damages and address legal fees! 

Please remove this account ASAP. I have reference all combined complaints in the prior compliant along with support documents. 

Per the law, they had 15 days to comply with my request and they have yet to do 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 explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Receivable Management Services LLC
State: MI

Complaint narrative:
Hello my name is XXXX XXXX XXXX and I would like to put in a complaint with Receivable Management. The complaint is about Receivable Management a debt collector on behalf of XXXX XXXX XXXX XXXX. The issue that I am having is that I cancelled the auto insurance policy at the end of the 6 months, on XX/XX/XXXX this was terminated. Receivable Management has placed a debt collection onto my credit report twice one in the amount of {$1300.00} on XX/XX/XXXX and the other for {$340.00} on XX/XX/XXXX. I am submitting this complaint on behalf of myself. 
I have reach out to progressive and they have in their system that the auto insurance has been cancelled effective XX/XX/XXXX. I have contacted Receivable Management to discuss the dates and amounts weren't accurate. The representative did not want to hear my complaint and basically told me its yours and there is nothing they could do about it.

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 2021-06-14 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: NC

Complaint narrative:
This is supplement to my original complaint. The loans in question were rehabilitated which means that all records of default should have been removed from my report. They are breaking federal law but leaving the record of default on my account. They literally put each loan in twice in order to keep the record of default in. This is in reference to complaint 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 2021-06-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: NV

Complaint narrative:
On XX/XX/2021, I sold my virtual currency of XXXX Bitcoin and XXXX XXXX, which was net worth of approximately {$1100.00}. Even after I sold the currency, no balance was shown up into my account. I contacted the customer service via email ( Since only method they offer is via email ) after 9 days ( XX/XX/2021, 7 business days ) of not seeing my balance into the account about this matter. Till then, since I did not receive a response from them, I sent another email on XX/XX/2021, XX/XX/2021, and then XX/XX/2021, but still receiving an automatic response from them that they are having a high volume of the inquiry. Still the issue is not resolved, and planning to claim a small case against the company soon. This company needs to close down.

Company response to consumer: Closed with explanation