vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Department of Education/XXXX  is still reporting about 119 delinquencies on my credit report. My student loans were paid in full by XX/XX/XXXX. I have sent countless letters, e-mails and made phone calls concerning the delinquencies still be reported despite all accounts being paid in full. They have reported duplicate accounts on my report and they refuse to rectify this issue. Equifax and XXXX  are still reporting 13 accounts as of XX/XX/XXXX. XXXX has a class action lawsuit for deceptive practices and consumer protection. Also under the Rescue Act, they are supposed to abide by certain provisions and they will not update the information on the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/2021 at XXXX I arrived at the Bank of America atm , XXXX XXXX XXXX XXXX , Ga location. I was depositing {$1100.00} in cash. Upon putting all of my money in this machine the screen then sent a message stating that an error had occurred and that my cash would not be refunded back to me. I immediately took pictures of the machine once I realized my money would not be returned to me. A receipt printed out stating that only {$300.00} would be deposited into my account. I waited a few minutes to see if anything would change and proceeded to call Bank of Americas customer service line where I put in a claim and an associate temporarily gave me a credit of {$820.00}. The week of XX/XX/XXXX, I received a letter stating that my case had been resolved and that the {$820.00} that was owed to me would be taken out of my account. I spoke with another BOA representative where I was told they were unable to locate the missing funds and would continue to investigate. On XX/XX/XXXX, I then looked at my online account and noticed a withdrawal was made by the bank in the amount of {$300.00}, the {$300.00} that was on the receipt from XX/XX/XXXX due to them not being able to allocate the funds, after doing an internal audit. After speaking with a claims manager for BOA he stated that there was nothing he can do because even though I was at the bank there was no way of proving that I had deposited any money even with my receipt of {$300.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Real Time Group, Inc.
State: FL

Complaint narrative:
Real Time Resolutions ( RTR ) has been sending me notices regarding an alleged debt ( see attached ). I have sent numerous requests to them to prove up the validity of the debt and produce accounting records via qualified written request ( see attached ). Most recently, I have requested that RTR send a payoff demand and produce the rights to release the alleged lien. Their failure to respond to all of my requests has interfered with the ability to sell my home. Most recently a buyer backed out because RTR would not produce documentation that the title company requested. RTR is in violation of numerous FDCPA, HUD and RESPA laws. I am seeking your assistance on this matter before I proceed with litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 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: AR

Complaint narrative:
XX/XX/XXXX I had an issue with XXXX of XXXX XXXX, Arkansas due to service of my vehicle which two weeks to fix. I made a call to customer services about the lack of communications during the first week of my vehicle being serviced. They had issues with figuring out what the problem was but they had to drive the vehicle to troubleshoot it. I had to wait an additional week to get my vehicle back from the service department at XXXX. Once I picked it up they charged me almost {$2000.00} for the repairs. I understand that having such an expensive car can lead to issues like that. But finding out I needed new breaks upon picking up my car by turning it on and the break lights on. I asked to the Manager of the services and he just said " Oh yeah, you need new breaks '' and walked away from the vehicle. After being treated so disrespectfully by the Manager I called XXXX XXXX and requested that they to come pick up the vehicle. 

The vehicle was picked up XX/XX/XXXX at my residence in Arkansas. I never received any of the following documents, repossession notice or Notice of intent to sell vehicle within the 15 days of the notice. The reason why these documents were never received by me was due to them being sent to the wrong address. I was in the XXXX XXXX and for some reason the documents were sent to my last duty station that moved to XXXX, XXXX. I retired in XXXX so I have no idea why the sent the documents there. But they had to right address to pick up the vehicle. 

I feel my rights were violated and I would like to know what I can do to fix this problem because it is causing my have issues with my credit since XX/XX/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 2021-06-09 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: AR

Complaint narrative:
XX/XX/XXXX I had an issue with XXXX of XXXX XXXX, Arkansas due to service of my vehicle which two weeks to fix. I made a call to customer services about the lack of communications during the first week of my vehicle being serviced. They had issues with figuring out what the problem was but they had to drive the vehicle to troubleshoot it. I had to wait an additional week to get my vehicle back from the service department at XXXX. Once I picked it up they charged me almost {$2000.00} for the repairs. I understand that having such an expensive car can lead to issues like that. But finding out I needed new breaks upon picking up my car by turning it on and the break lights on. I asked to the Manager of the services and he just said " Oh yeah, you need new breaks '' and walked away from the vehicle. After being treated so disrespectfully by the Manager I called XXXX XXXX and requested that they to come pick up the vehicle. 

The vehicle was picked up XX/XX/XXXX at my residence in Arkansas. I never received any of the following documents, repossession notice or Notice of intent to sell vehicle within the 15 days of the notice. The reason why these documents were never received by me was due to them being sent to the wrong address. I was in the XXXX XXXX and for some reason the documents were sent to my last duty station that moved to XXXX, XXXX. I retired in XXXX so I have no idea why the sent the documents there. But they had to right address to pick up the vehicle. 

I feel my rights were violated and I would like to know what I can do to fix this problem because it is causing my have issues with my credit since XX/XX/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 2021-06-09 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: NY

Complaint narrative:
I AM IN THE PROCESS OF BUYING A HOME. I HAVE NOTICED ERRORS ON MY CREDIT PROFILE THAT COULD POSSIBLLY HURT MY SCORE. PLEASE REMOVE THESE ERRORS AS SOON AS POSSIBLE. 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 2021-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
NATIONAL CREDIT SYSTEMS is in violation of 46 of the FDCPA Laws as you can see in Exhibit A, B, and C. Also they are in violation due to a phone call I received, a phone call without my prior consent is a violation of 15 USC 1692c ( a ), the tone of the agent is a violation of 15 USC 1692d ( 1 ), the agent also said it was an attempt to collect a debt which is a violation of 15 USC1692b ( 2 ). and it was a very inconvenient time which is a violation of 15 USC 1692c ( a ) ( 1 ) as you can clearly see there is nothing but harassment from NATIONAL CREDIT SYSTEMS On XX/XX/2021 I sent NATIONAL CREDIT SYSTEMS a debt validation letter, it was received and sign for on XX/XX/2021. Federal law states they have 30 days to respond. Today is XX/XX/2021 and we are now past the 30 days and I have not received anything from NATIONAL CREDIT SYSTEMS. As you are aware, " Estoppel by Silence '' legally means that they had a duty to speak but failed to do so therefore, that must mean NATIONAL CREDIT SYSTEMS agrees with me that this debt is false. 
NATIONAL CREDIT SYSTEMS failed to validate a debt at my request, which is a FDCPA violation and continued to report a disputed debt to the Credit Bureaus : another FCRA violation. By doing so and by reporting this debt to the credit bureaus it is causing damage to my character and that is Harassment under 15 USC 1692d ( 1 ) Pursuant to 15 USC 1692k - Civil liability, 15 USC 1692k ( a ) ( 1 ) and 15 USC 1692k ( 2 ) ( a ).

I want remedy by paying the invoice included of {$46000.00} and immediate Deletion from all consumer reports for my Federally protected consumer rights. please investigate this matter and help me from further harassment. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 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: NJ

Complaint narrative:
XXXX is reporting a bankruptcy that is not mines. XXXX XXXX has removed the bankruptcy from my record therefore XXXX needs to remove the bankruptcy from my credit report.

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 2021-06-09 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: NY

Complaint narrative:
I AM IN THE PROCESS OF BUYING A HOME. I HAVE NOTICED ERRORS ON MY CREDIT PROFILE THAT COULD POSSIBLLY HURT MY SCORE. PLEASE REMOVE THESE ERRORS AS SOON AS POSSIBLE. 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 2021-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Well I was getting my eff payments thru bank of America and they closed my account because of the whole ID.me thing but I have a balance of over 2000 and I can't access it or transfer it because the account is closed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Blackhawk Network Holdings Inc.
State: IL

Complaint narrative:
I made a purchase on XX/XX/21 at a local restaurant. The charge that was taken from my prepaid visa card was more than the charge on my receipt. I submitted a dispute with the credit card company " Blackhawk Network '' on XX/XX/21 and emailed it to them with a copy of the dispute form, the receipt and a copy of the disputed charge from their website. I received a response stating that they were unable to find the account and asked for additional info from the card on XX/XX/21. On XX/XX/21 I received an email stating that the Dispute number XXXX was " resolved '' and that the " notes '' stated that there was a " NEW DISPUTE SN INBOX/SERVICE DISPUTE '' and showing a new case number XXXX. I have been tried 3 times to get an update on the dispute but have received no responses to my emails or calls.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
IC Systems fails to fully validate the debt. Original creditor was over 5 years ago which debt is passed the statue of limitations for Florida. Debt was just bought and not updated with correct open date. False debt.

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 2021-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rausch Sturm LLP
State: TX

Complaint narrative:
I owe {$15000.00} to XXXX XXXX XXXX and I had been making very regular monthly payment until I lost my job in XX/XX/XXXX. The same year I decided to move out of my home in XXXX XXXX, XXXX   to XXXX, XXXX  XXXX  to reside with my wife 's family and I left XXXX XXXX, XXXX   in late XXXX, XXXX. I wanted to get back to my job search but the Covid-19 pandemic situation forced me to dedicate myself for the care of my elderly parent in laws, one of them is a XXXX XXXX patient surviving on XXXX. 

I received an email from the debt collector Rausch and Sturm on XX/XX/XXXX that I attached for your review. Upon receipt of their email I contacted XXXX XXXX XXXX who referred me to the debt collector Rausch and Sturm and I have set up a payment plan with them. I have also emailed their representative XXXX XXXX twice in a row but I did not receive any response at all. 

After living for more than a year in the XXXX XXXX, XXXX XXXX I returned XXXX XXXX, XXXX  on XX/XX/XXXX. I was truly surprised to learn from my tenant that the debt collector Rausch and Sturm had tried to force them to receive letters dispatched from their office. I was astonished to see a letter that came from XXXX County Court where the debt collector Rausch and Sturm has acted on behalf of XXXX XXXX XXXX as the plaintiff and considering myself as the defendant and the letter was to notify me that they have been granted a default judgment against me to collect the debt I owe to XXXX XXXX XXXX and that they are going to initiate a bank Levy and a wage Garnishment. This whole lawsuit process in the XXXX XXXX XXXX has gone quietly without sending me any notification and while I have been making payments as a scheduled

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 2021-06-09 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: AR

Complaint narrative:
Hey Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud account off my report. Attached is my ID and my report I filed for identity theft because these accounts was not mine. Have them remove these. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
I'M HAVING ALL KINDS OF PROBLEMS GETTING THE CREDIT BUREAUS TO CORRECT ERRORS REPORTING ON MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Original Line of Credit as of XX/XX/XXXX went delinquent and charged off on XX/XX/XXXX. Account has resurfaced with a different loan number and different amounts but same original Date opened. XXXX XXXX XXXX XXXX. is falsely putting a new charge off date of XX/XX/XXXX when account was already charged off on XX/XX/XXXX clear evidence on the credit reports. Needs to be removed permanently off all credit reports. Please see rules on charge off dates to be removed permanently : No payment agreements ever made, ask for written documentation. 
According to Fair Credit Reporting Act ( FCRA ) Under FCRA 605 ( a ) and ( b ), an account in collection will appear on a consumer 's credit report for up to 7 1/2 years. To determine when an account will be removed by the CRAs, Add 7 years to the date of the first delinquency. The date of the first delinquency is shown in credit reports. Subsequent activity, such as resolving the debt or one debt collector selling the debt to another collector, is irrelevant to the 7-year rule. 

A charge-off stays on your credit report for seven years after the date the account in question first went delinquent. ( If the charge-off first appears after six months of delinquency, it will remain on your credit report for six and a half years. 

I Contacted XXXX XXXX Bank XX/XX/XXXX, and disputed Credit reports with Equifax XX/XX/XXXX. No results. I contacted recently Arizona Attorney General on XX/XX/XXXX and XXXX XXXX Bank ignored them. They are sending 2nd requests again. 

Collection accounts can remain on your report for seven years and 180 days from the original delinquency. Original delinquency is XX/XX/XXXX and Charge off is XX/XX/XXXX not XX/XX/XXXX. Loan has been in recovery since XX/XX/XXXX. I have all documentations showing this charge off of XX/XX/XXXX on credit reports and its delinquency. 

XXXX XXXX XXXX XXXX XXXX said they can put what they want on the credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Somebody hacked my TD Online banking app and tried to use XXXX to transfer {$3000.00} out of my checking account on XX/XX/XXXX. They were able to transfer out XXXX. I called TD Bank and they restricted my account, and customer service told me that somebody in Maryland logged into my account and most likely stole my money. I went to my local branch and they opened new bank accounts for me and said they would investigate the missing {$2000.00}. I had to visit the local bank many times to try to fix this issue and secure my accounts and the people there were not very helpful and did not seem to care much about what happenned to me. I called a few weeks later after not getting any response, and they denied my claim and tried to say that it was me who made the transfers although thats not possible because the person who logged into my online banking according to their records was in Maryland and I was in New York at the time my account was hacked. They refuse to give me back the money and told me that it was not their problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I opened a new checking account with Capital One in XX/XX/2021, using a {$400.00} bonus offer if two electronic ACH deposits totaling {$1000.00} were made to the account within 60 days. Both deposits were made in a timely fashion, but Capital One will not pay the bonus because they say the transactions were not " initiated '' from the other financial institution. I was told through multiple conversations with Capital One reps on the phone both in XXXX and in XX/XX/2021, that I qualified for the bonus amount. However, when I did not receive the bonus as promised, I contact them and they are refusing to pay. Their advertising material for the bonus offer does not stipulate the transactions must be initiated from the other institution and is extremely unclear and misleading. I received written notification from Capital One they have denied my request to have them pay the bonus in accordance with the terms of the offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
XXXX I have read all documentation, and no where does it state, that my eligibility would be compromised, in executing the XXXX. XXXX XXXX, advised me to take this route due to all the hidden issues in the house, as well as Appraisers, mis-handling, of the appraisal. In his own words, he stated the sellers real-estate agent had told him all the work, in remodeling had been done in the past year. 

In reading, and speaking with Mr. Coopers Rep 's, I still have not been shown, nor presented with the assessment, against my VA eligibility and what it was for. On page 24, it states, relates of liability, and no mention of costs against my VA Loan. 

Stating I was free and clear of the home, was an understatement, only to come back and claim to VA, monies. 

XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation