vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-30 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: WA

Complaint narrative:
The account is under XXXX XXXX who is the collection agency but the original creditor is XXXX XXXX. I disputed this debt twice with Experian only for them to just update that it was verified but not providing me any other information. The amount XXXX XXXX ( see attached statement the rep showed me ) is a different amount that was is being reported. I don't even know of what the charges are for. I reached out directly on XX/XX/21 to XXXX XXXX to try to obtain a copy of the original agreement and itemized bill so I could see what what the charges are, if my insurance covered and what late fees they charged and what I may be responsible for. XXXX XXXX was recently involved in a class action settlement ( will attach email sent to me XXXX that they overcharged patients late fees. I wanted to take a look at the statement because I know there will need to be an adjustment to what I was charged. While on the phone with the representative at XXXX XXXX, he was very rude and said he could not provide me any information and I would need to talk to XXXX XXXX and before I could say anything he immediately ended the call. I was transferred to XXXX XXXX where I spoke with a representative, XXXX, who said he would try to locate the itemized bill to send to me but if XXXX XXXX wouldn't provide it how would he? My biggest issue is I was never notified of this debt properly. The amount being report is different from what XXXX XXXX is saying I owe. He gave me information to log in to see what they are reporting. Again, the original creditor, XXXX XXXX, would not even provide me with the copies of the bill with a breakdown of services and contract to properly validate this debt and I was a direct patient of theirs. I was never provided notice of this collection account which is directly violation of my FCRA and HIPAA rights. Experian is reporting this account as accurate and validated when the original creditor wont even provide me with any copies of anything. I am planning to sue them and furthermore this is just very frustrating and disappointing when I have been able to successfully have this removed from the other two credit bureaus for this same reason of not being able to properly verify that this is my debt the correct amounts, etc.

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 2021-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
So I applied for equifax services to check my information, so it took about 15 to 20 minutes with credit card information so I got curious and call my bank they had ran XXXX twice and then additional XXXX on credit card, I immediately call them to clear the error the employee new they had may error continue to ly to my face I told them I was on wife 's phone with the bank, so then the supervisor got on the call I was furious by then he cover for employees and debit my account. They speak very bad english, they are very rude and this services should be put out of business. 
I want money back the service does not work they could not login. This is a criminal organization with legal ties. 
I don't have the money to get a big time lawyer, but someone needs to get these people I'm not the only that has this problem with these criminals.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 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: FL

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 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: IL

Complaint narrative:
I have disputed a bankruptcy reporting on my credit reports. The credit bureaus are not reporting it correctly. I have been challenging them since XXXX. I have sent several letters ( XX/XX/2021, XX/XX/2021 and XX/XX/2021 ) and it still is not reporting correctly.

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 2021-08-30 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: AMERICAN ADVISORS GROUP
State: CA

Complaint narrative:
I began the process of refinancing my current reverse mortgage in XXXX, I was informed in early XXXX that the loan was approved and everything was moving on fine, we were just waiting for the appraiser and the property survey. I paid {$2400.00} on the survey which took everything from my emergency funds. This was done in early XXXX, what they were wanting was for someone to tell them that Zone D was not used in this area. I contacted HUD and they sent an email informing the underwriters that the flood mapping was not used in this area as there was no way to get certificate of elevation. I have been calling everyone I could think of trying to find out if there was such a thing for the area I live in and not even the County offices of XXXX XXXX has this information, this in an unmapped area and covers all of the unincorporated areas. I was told in the middle of XXXX that the paperwork from my original reverse mortgage will be used and the loan could continue. Then at or around XX/XX/XXXX I got an email demanding a statement from someone the the Certificate of elevation be written by someone, they had me call my insurance company, the FHA, HUD or anyone else that just I am above the 100 yr flood zone. I have sent all information that is on the FEMA web site that states there are no information regarding the flood level in zone d. Therefore I am not able to provide them with the certificate they are requiring when it does not exist. I feel that the underwriters are only following what AAG has in their manuals and refuse to accept the fact that this can not be done and are not using due diligence to take further steps to check that the information I have given them is true. They have refused the approval of the loan until the receive something that does not exist. I am a the widow of a XXXX XXXX on a fixed income, they have already made me use my emergency funds for the survey and holding at least {$11000.00} in a trust account to pay property taxes for which I am exempt from paying. I feel that I am being discriminated against because of a Certificate of Elevation which does not exist. How can they demand something that doesn't exist then refuse to approved the closing of my loan when I already have a reverse mortgage with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 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:
I have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I received a text from my bank at XXXX am on XXXX XXXX asking about some fraudulent charges. I immediately confirm the chargers were fraudulent. The bank closed the cards. My credit card # was stolen at dinner on XXXX XXXX at XXXX XXXX in XXXX XXXX. I was on in Florida for 24 hrs from XXXX on the XXXX to XXXX XXXX  on XXXX XXXX. On XXXX and XXXX XXXX, while I was in Washington state, purchases were made. 
Charges. XXXX  XXXX XX/XX/2021. {$16.00} : XXXX & XXXX XXXX XX/XX/2021 {$67.00} : XXXX XXXX XXXX XX/XX/2021. {$330.00} : Parking XXXX XX/XX/2021. {$6.00} Bank of America claims to have investigated and holds me responsible for the full amount, despite they caught it first, I immediately reported it as stolen. I believe all charges should be removed from my account. Bank of America refuses to even abide by the consumer protection laws and hold me to the {$50.00} as the law states. 

The attached photos have dates and locations to show where I was on the dates, also a copy of a different credit card statement showing my charge for the Washington state ferries on XXXX XXXX along with a XXXX charge in XXXX XXXX Washington and XXXX XXXX XXXX XXXX for dinner. Also attached is my work flight schedule showing my flight inbound on the XXXX and outbound on the XXXX. I had house guests on the XXXX and XXXX if necessary I can have them attest to my presence at home.

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 2021-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
My previous CFPB complaint was closed after believing the business response from Citibank but it was false and I do not have the check they said was mailed. I also did not receive my cash rewards totaling at least XXXX dollars. This has been going on for months.I called Citibank executive office today and they refused to get me a manager or cal XXXX  regarding check or even try to see if check exists. This is because they probably didnt mail it. I want my checking account closed and a check overnighted with signature reguired upon delivery.

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 2021-08-30 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: WA

Complaint narrative:
I had a credit card with XXXX XXXX, i was never late and the card was what i used for travel for work. I reported a unk charge and i was told to call company and dispute it. I did, they told me four or five different things and refunded the XXXX $ then a week later took it back with no reason. In XXXX I opened a checking account with them to make it easier to pay bill and again safe to have one account for travel. My 1st depost was kicked back, they said I did not " depoist '' money in time, They told me they " fixed '' it and all was ok, they closed the old one and opened a new account for me. I set up a weekly wire transfer from my bank to XXXX  XXXX checking as well, While i was on the road for work I noticed on my XXXX account the wire transfers were getting retunrned and i was getting charged XXXX $ each time, I tried to stop it and was not able to - Then i noticed i was having trouble paying my XXXX  XXXX credit from my XXXX  XXXX account ... .So in order to keep it paid on time i paid from XXXX account. Then my credit card was put on hold for returned payments. When i called XXXX XXXX checking which I just found out were NOT the same company they told me THEY mixed up my account number and that was why. So we called Credit card side and they told me it was too late and took my credit card away I drove to an actiual XXXX  XXXX branch and showed them all of the paperwork. They said in XXXX they would look into getting if fixed - They have now put it on my credit report falsy and refuse to fix it or pay me the fees. This has now caused my credit to DROP and one of my others to be closed by the com [ any that issued it beacuse of this. They lied to me and took over XXXX from me and has cost me losing my credit

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 2021-08-30 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have contacted the credit bureau Experian in regards to information shown on my credit report. I have stated that that all but my current address should be removed from my report as they don't belong to me as well as a second SSN found and several allies. they have failed to update my record as requested

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 2021-08-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FlexShopper, Inc
State: TX

Complaint narrative:
XXXX XXXX XXXX has a " collection '' on my credit report for the amount of {$1200.00}, from a retailer called " flexshopper ''. This account, created in XX/XX/XXXX, was opened without consent or permission by an ex-girlfriend. I noticed the debt at the end of XXXX, beginning of XXXX. We had since ended the relationship, as she was suffering complications as a result of her XXXX. I attempted to resolve it with her, but she never fulfilled our agreement, paying me {$0.00} total. I never pursued criminal charges, due to her family being close friends with mine, and to settle it civilly would mean I would have to travel to XXXX, costing more than the alleged debt. 
I've attempted to reach out to XXXX XXXX XXXX on several occasions, as I am willing to take on the debt to clear it from my report, because it has affected employment opportunities, causing me lost opportunities and income. It also affects my buying power for a house. I am about to have my XXXX XXXX, and this will affect her in the long run. 
I have contacted XXXX XXXX XXXX XXXX and left messages requesting something in writing, or an option on how to pay, yet I have never received one piece of mail/invoice from them. I contacted them nearly every month in XXXX, and XXXX of this year. I have not attempted contact since XXXX, as I moved from XXXX  to 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 2021-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I mistakenly deposited a check made out the estate of my deceased Mother into my 360 Capital One personal checking account for {$3100.00}. Capital One flagged the deposit as fraud because it is a 3rd Party check and placed a lock onto my entire account preventing my family from paying our bills timely. After four different calls to Capital One and two visits to a local branch the issued me a Cashiers Check for {$35000.00}. However, they still refuse to release {$5600.00} of my money while they conduct an " investigation ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I paid {$3000.00} to TD bank at the same time they charged off the debt to XXXX XXXX whom I set up payment arrangement made with and paid the debt off as of XX/XX/2021. To date this is debt is still on my credit report as being delinquent in addition to a balance still being owed. I have attempted to resolve this with multiple contacts to TD band and XXXX XXXX but I have not gotten anywhere with my credit reports being fixed to reflect this debt has been paid and up to date since XX/XX/2021.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION
State: NE

Complaint narrative:
Received notification of Credit Denial dated XX/XX/XXXX for XXXX XXXX XXXX. Reason listed states Excessive Obligations. 
Requested a 15 year VA Home loan.

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 2021-08-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Paid of Collection account for {$480.00} they agreed to delete and never did XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Harris & Harris, Ltd.
State: AP

Complaint narrative:
Repeated phone calls from XXXX XXXX Harris Law - XXXX. Can not reach anyone by phone on their automated system. Filed a 'do not call ' ask on their website, still receiving calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 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: SC

Complaint narrative:
This is not a dispute request, but a complaint that my rights as a consumer have been violated under the FCRA because I have not heard anything from the bureaus in 90 days regarding my disputes and I have sent 3 dispute letters requesting an investigation to the following accounts : - XXXX XXXX # XXXX - XXXXXXXX XXXX XXXX XXXXXXXX - XXXX 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 2021-08-30 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: TX

Complaint narrative:
I have recently sent several letters to Transunion about the reporting on my credit report involving XXXX, not only is this company violating my HIPPA rights this company has also failed to prove and validate this collection 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 2021-08-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Kirschenbaum & Phillips P.C
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX account was frozen/money was levied on or around XX/XX/XXXX {$2500.00} and {$120.00} for additional bank fees. 

I went to the court to get information regarding a defaulted judgement and I realized that I was a defendant against XXXX XXXX XXXX XXXX XXXX and had my address as XXXX XXXX XXXX XXXX XXXX, NY XXXX. I did NOT live there and XXXX XXXX XXXX XXXX Unions address is in XXXX XXXX NOT IN XXXX XXXX. 

Page 4 : Proof of Service dated XX/XX/XXXX, XXXX Its very interesting that even the processor knew that I did not live at that addressXXXX XXXX XXXX XXXX XXXX NY XXXX Page 5 : Will show address history with New York Department of Social Services ( WIC ). Client was living at XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX from XX/XX/XXXX to XX/XX/XXXX. 

Page 6 : I filed an Order to Show Cause and stated reason I did not appear in court was because they had the wrong addresses listed XXXX XXXXXXXX and XXXX XXXX XXXX, NY XXXX. 

Page 7 : The Court put the case on the calendar again and gave the date of XX/XX/XXXX at XXXXXXXX XXXX 

I went to Court, and the Court told their counsel and the judge what happened and they ignored the fact that I had been served at the wrong address. They rescheduled for a later date. Judge wants me and Kirschenbaum to settle the case, but I am furious that she had a defaulted judgement against me and they have took my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2021 capital one has done a hard inquiry without my concent or approval. I alredy have credit with capital one so there is no need to ask for new credit inquiry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-30 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: MI

Complaint narrative:
So I checked over my report and I noticed these accounts posting with all different dates balances, & amounts I seem to feel like this is very inaccuate and goes against some laws like the Fcra section 609. I contacted the creditors and bureaus regarding these inaccuracies after 3 months they still have not responded back to me about it I need to get this removed off my credit ASAP. 

Accounts : XXXXB / XXXX XXXX  Trans XXXX XXXX XXXX Trans XXXX XXXX XXXX XXXXXXXX XXXX Trans / XXXX XXXX XXXX XXXX XXXX XXXX Trans / XXXX XXXX XXXXXXXX Trans / XXXX XXXXXXXX XXXX Trans XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Trans XXXX 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