vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-15 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: AR

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
One more time, I can not be late in XXXX when I paid it off in XXXX. Still there are accounts now showing 120 days late in XXXX of 2020. Almost 18 months after this was paid. This is retaliation for asking them to report correctly

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX  XXXX Balance Owed : {$8000.00} - This kind of account is in fact posted as a charged off account. The balance is in fact incorrect, make sure you reverse it to XXXX or erase the item totally. Make sure you also render documentation to be sure of all the charges and credits to this alleged account is mine. If you can't give these details and proof on this per my civil rights petition, you need to instantly delete this wrong account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 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: AR

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

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 2021-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: I.C. System, Inc.
State: SC

Complaint narrative:
this company calls me multiple times a week and every time I answer they ask for me and then hang up. I was contacted earlier today and again I was hung up on. I called back and the woman name " XXXX XXXX '' would not state the nature of the business or purpose of the call. I specifically asked if this is a collection agency and the woman kept stating the company name instead of confirming she is working for a collection agency. This is breaking multiple different laws. She was being evasive and using aggressive collection tactics. I will report this company to the attorney general and FTCC for violating FDCPA. I also called again to get a mailing address to send over a Verbal Cease and Desist. These phone calls are harassing and abusive. I will be seeking legal assistance to ensure this does not happen again.

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 2021-01-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I submitted this XXXX, it was not resolved by the company, and I am asking for compensation again. I am very dissatisfied with BB & T and their unwillingness to resolve this issue for me. I demand the financial compensation that I am owed of {$690.00}, listed below. I am more than willing to speak to someone on the phone or email regarding these issues. Laws were broken, and need to be compensated for. 


Upon working with XXXX XXXX XXXX BB & T in XXXX, VA for my loan application and home buying process, I encountered the following issues, and would ultimately like to receive financial compensation for these wrongdoings. 1. I did not receive a loan commitment letter within 30 days of my loan application submissions 2. Extremely poor communication and delays that resulted in closing 17 days later than projected - this was not communicated with me until close to the end of XXXX and I was projected to close XX/XX/XXXX. This caused delays for my seller, as well as my sellers seller for their deals. This also resulted in my paying my rent at my apartment for an additional 15 days since I could not move out on the original planned date of XX/XX/XXXX, and had to change it to XX/XX/XXXX, which cost me {$420.00}. I would like financial compensation for this. 3. Additionally, XXXX XXXX was not specific on what verbiage my mother ( who gave me a gift letter for part of my closing funds ) should use on the gift letter. My mom wrote {$4000.00}, just making sure this would be enough to cover everything. The offer that was accepted denoted that the seller would pay {$2500.00} in closing costs. Since my loan was a USDA loan, and it was written that my mother would gift me {$4000.00} ( since Sue did not specify how we should write this ), the seller ended up only paying {$22000.00} in closing costs, because USDA specifies that I can only receive up to {$1000.00} back after closing. Therefore, my seller got out of paying {$270.00} that was owed to me according to my offer that was accepted and signed. I would like this amount financially compensated as well. 4. I have been nothing but disappointed in the customer service and communication I received from BB & T on these matters. It made buying my first home a very unenjoyable process.

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 2021-01-15 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: IL

Complaint narrative:
Accounts inquiries from XXXX XXXX in XX/XX/2021 were done fraudulently. I spoke to the trans union several times, who refused to remove. The information can not be found in XXXX XXXX  because the are listed with fraudulent either wrong name or address. I had a total of 6 cards applied for in the same day and Transunion is the only bureau to remove the fraudulent accounts. A police report has been filed but should not be needed as these accounts are unverified and unauthorized as I told them. These accounts should be deleted immediately.

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 2021-01-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENTAGON FEDERAL CREDIT UNION
State: DC

Complaint narrative:
For many years, we have paid an additional {$100.00} to apply against principal of our Penfed mortgage. Starting in XXXX, our payments have been consistently misapplied to escrow ( despite clearly noting on payment slip of direction to principal ). Our monthly statements since our statement dated XX/XX/20 have been filled with errors. In specific, extra principal payments are not allocated correctly, and transaction activity show no payments, suggesting we haven't paid our mortgage. 

I have no confidence that my payments are being recorded or allocated correctly. 

I am sophisticated enough to review my statement and call to correct obvious problems. But clearly something is wrong, and I am concerned not just for my mortgage but for the mortgages of countless others who might be less financially savvy. Penfed customers should not be expected to call each month to correct payment recording errors.

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 2021-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX : {$8000.00} - This kind of account is in fact posted as a charged off account. The balance is in fact incorrect, make sure you reverse it to zero or erase the item totally. Make sure you also render documentation to be sure of all the charges and credits to this alleged account is mine. If you can't give these details and proof on this per my civil rights petition, you need to instantly delete this wrong account. 

XXXX XXXX Balance Owed : {$270.00} - The account status that is recently filing on my own credit record is having an impact on my option to acquire guarantee to obtain a latest loan inquiry, please have evidence that this is being recorded truthfully as per the Fair Credit Reporting Act recommendations, this can be a serious thing to mis-report. If you can't verify this data as being 100 % correct please be sure to erase the item immediately! Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
Hello, I mistakenly sent {$710.00} to the wrong person on CashApp on XXXX. The person had the same name but one letter was off. After I realized the mistake, I immediately tried to cancel the transaction. Called CashApp and they told me transaction had already gone through and told me to request a refund from the wrongful recipient. I did, he denied my request and blocked me. CashApp told me I was out of luck. 

I have also disputed this transaction with my bank, XXXX XXXX. I called them while the transaction was still pending and they said to wait for the transaction to post and then file a dispute. I did, and a couple weeks later they send me a letter in the mail notifying me of a denied dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 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: DISCOVER BANK
State: TX

Complaint narrative:
I have made multiple complaints against Discover because they are just not right. It is reflected in the attached letter from Discover ; Credit card was stolen and 3 fraudulent payments were made on my credit card totaling {$11000.00} in 7 days to continue using the card and grossly exceeding the credit limit of the card. How is this possible with todays technology? If I receive just one bad payment ; thats it, no more. Banks even have better policies and systems in place to protect their customers. In addition, Discover didnt notify me for permission per Consumer Financial Protect Bureau Section 1026.56 for over-the-limit transactions. If they had notified, I would have said WHOA!!!!! I requested the method of the fraudulent payments to prove the fraud but Discover simply states in the attached letter we will not be providing the requested information. I was informed this information was confidential information of the thief.?????? My card, my liability and Discover protects someone who has nothing to do with the card and stealing.????????? The Discover debt on the credit report belongs to another and is not mine. I did not receive any benefits nor make fraudulent payments or purchases from XX/XX/2017 forward.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Penn Credit Corporation
State: FL

Complaint narrative:
Back on XX/XX/XXXX I sent a letter to the credit agencies requesting verification of any documents bearing my signature. As of XX/XX/XXXX I have not heard anything from the creditor or the credit agencies about this account. I have not received any documentation bearing my signature. Please I would like help with this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 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 — Card was charged for something you did not purchase with the card
Company: BBVA FINANCIAL CORPORATION
State: CO

Complaint narrative:
On XX/XX/XXXX I received a push notification on my phone of a charge for {$140.00} being approved on my card. The next day I saw the charge on my card from XXXX XXXX along with a foreign transaction fee of {$4.00}. That day, XX/XX/XXXX, I called to dispute the charge with BBVA USA ( Formerly BBVA Compass Bank ) which they responded quickly to close the account and issue a new card. Upon receiving the new card BBVA had transferred both charges to the new card. I called on XX/XX/XXXX to dispute those charges being transferred which caused them to let me know it could take 30-90 days for the charges to be removed from the account, pending the dispute being resolved in my favor. 

XX/XX/XXXX I called again and spoke to someone in the States and they understood my plight. On ( approximately ) XX/XX/XXXX I received a letter that the dispute was resolved in my favor and on XX/XX/XXXX I received a credit followed by a debit for both amounts. This caused me to call the bank again on XX/XX/XXXX to get in touch with someone who understood my plight. 

XX/XX/XXXX a charge is sent to the prior card number. I call the bank again and they inform me that I don't owe the money but it will sit on that " closed '' account. This still shows as me owing the money for a disputed charge resolved in my favor. 

I can't help but wonder if I am just dealing with inept call center agents that don't understand basic accounting or if the BBVA USA bank is " padding '' their liabilities for the purchase of their institution by XXXX XXXX  out of XXXX. Either way I am unable to resolve this situation with them and need assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I contacted Experian for a credit report as well as to dispute an error on my credit report. On XX/XX/2021, I received an email from Experian indicating that their investigation was completed and the disputed information remains. However, to my dismay, they have my social security number associated to a different person. They sent me this person 's credit report which includes addresses, credit history, and also shows that this person is in debt with chapter XXXX as well as back child support. I am deeply upset by this as this person is a man and I am a woman. I live in Illinois this man lives in Alabama and I have never lived in Alabama. This man 's information is associated with my social security number. I have attempted to reach Experian at no avail.

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 2021-01-15 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: Specialized Loan Servicing Holdings LLC
State: NJ

Complaint narrative:
In 2019 my wife was diagnosed with stage XXXX XXXX XXXX. I am permanently XXXX with XXXX XXXX. We missed mortgage payments for the months XXXX, XXXX, XXXX of 2019. I contacted the mortgage company and they offered a loan modification because of a medical hardship. We sent the application paperwork for modification of the mortgage back on XX/XX/2019. The process of doing the modification of the loan was finalized on XX/XX/XXXX 2019.During this process the mortgage company called every month and withdrew payments for XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/2019 XXXX reported these months late on the credit report to the credit bureaus. I dIsputed this to XXXX, XXXX  and XXXX XXXX. I supplied all three credit reporting services with proof of payments posted to the mortgage company from the checking account. They investigated and return with the loan was modified and current. I disputed the findings again to the credit bureaus. The same answer came back from the investigation. I was told to contact the mortgage company and open a credit dispute with them on an error of crediting payments taking directly from the checking account. I spoke to someone and would not delete the late payments. They told me that I should have asked for a forbearance and that would have not affected my credit. I was never told about this option back in XXXX XXXX.I asked to talk to a supervisor and received a return call the next day with the same decision not to credit these payments. They record all telephone calls. I told the person that took the payments every month that how can you repot these late. I was told when the modification of the loan was complete that it would be fixed on my credit report. I came to find out about this when trying to refinance the loan with another company. I was never credited for the payments and that it shows as late on my credit report. 
Thank You, Trying to refinance a mortgage after a medical hardship

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 2021-01-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
Inquiries made by companies knowing I didnt qualify for what they were offering. Credit card, Morgage loan, ect.

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 2021-01-15 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: TX

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 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: NC

Complaint narrative:
I wrote to Equifax that they were reporting an erroneous bankruptcy on my credit report. They responded back to me that the item in question was reporting accurately by the 3rd party company they contact XXXX. I contacted XXXX and they have removed the erroneous item from their files. I need for Equifax to remove the erroneous bankruptcy from my credit report immediately. The confirmation for the Method of Verification from Equifax is # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Hey Ive been trying for the past month to have the Credit bureaus and creditors update my personal info on all three bureaus. They still havent made the desired changes. My personal info should be : XXXX XXXX XX/XX/1994 XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX Theyre still reporting wrong addresses on my credit report. I need the address of XXXX XXXX XXXX XXXX removed immediately, that was never my address. I also need the address of XXXX XXXX XXXX removed immediately, that was never my address. I need all of these erroneous addresses removed from my credit report immediately. Ive been trying for a while now and nothing has changed.

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