vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-04 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:
Dear XXXX XXXX, Transunion & XXXX : Thank you for sending me your internal records of the debt ( XXXX XXXX ) Account # XXXX, however you did not VALIDATE THE DEBT. YOU DID NOT provide me a copy of ANY original documentation ( a consumer contract with my wet-ink signature on it ) or provide a valid E-Signature stating my IP Address " Session '' " Time Stamp '' and " Browser '' with the proper paper trail as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) I also have provided FACTUAL EVIDENCE ( see screenshots attached ), circled the items and pointed out with arrows multiple inaccuracies reporting from XXXX AND XXXX including reporting payments on a CLOSED ACCOUNT & RE-AGING THE ACCOUNT ( please see attachment ) which is in violation of the FDCPA. You stated in writing that you verified that these items are being reported correctly so how could this happen? Are you being prejudice against me? I am certain you are aware that it is against the law to threaten suit without the intention of doing so. Therefore, be advised that I am very serious about filing a suit against your company. I HAVE PROVIDED MY UTILITY BILL FOR ADDRESS VERIFICATION AND ID AND SOCIAL SECURITY # Best Regard, 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 2020-12-04 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: IL

Complaint narrative:
Dear XXXX XXXX, XXXX & Equifax : Thank you for sending me your internal records of the debt ( XXXX XXXX ) Account # XXXX, however you did not VALIDATE THE DEBT. YOU DID NOT provide me a copy of ANY original documentation ( a consumer contract with my wet-ink signature on it ) or provide a valid E-Signature stating my IP Address " Session '' " Time Stamp '' and " Browser '' with the proper paper trail as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) I also have provided FACTUAL EVIDENCE ( see screenshots attached ), circled the items and pointed out with arrows multiple inaccuracies reporting from EQUIFAX AND XXXX including reporting payments on a CLOSED ACCOUNT & RE-AGING THE ACCOUNT ( please see attachment ) which is in violation of the FDCPA. You stated in writing that you verified that these items are being reported correctly so how could this happen? Are you being prejudice against me? I am certain you are aware that it is against the law to threaten suit without the intention of doing so. Therefore, be advised that I am very serious about filing a suit against your company. I HAVE PROVIDED MY UTILITY BILL FOR ADDRESS VERIFICATION AND ID AND SOCIAL SECURITY # Best Regard, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: KEYCORP
State: WA

Complaint narrative:
Key bank locked my card and said washington unemployment locked it and that washington unemployment is the only one that can unlock it. Washington unemployment says they have nothing to do with the locking or unlocking of card and can't help me in this manner and keybank says that I can't do anything about it and that they need to hear from Washington state to clarify who I am and neither will help me in this manner and be wise of that I'm going to lose my house

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: NJ

Complaint narrative:
I have an account with Robinhood. I decided to close my account and get my money back. I was trying it for several days. First, the company 's web site doesn't allow to link my account where to transfer my money. I was waiting for the security code for days. It never came in my Inbox. The company doesn't publish their phone or email. There is no way to contact customer service. I found tons of similar complaints from customers like me on XXXX. Also, there several alarming article about Robinhood on XXXX, XXXX, XXXXXX/XX/XXXX and etc. 

Please help to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 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: MO

Complaint narrative:
I asked the three major credit bureaus to verify info and delete. All three credit bureaus, XXXX, TransUnion, XXXX  have yet to verify accounts and still haven't deleted the items from my reports. They have broken the law and I would like the incorrect info removed.

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 2020-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC.
State: MO

Complaint narrative:
Received a notice in the mail for a massive debt. The debt said I owed XXXX the company a debt of over {$20000.00}. I have never had XXXX as a company, nor am I aware of any debt I have ever had for any reason with such a high amount, and the date the said XX/XX/XXXX doesn't ring a bell at all. So I responded to the debt letter with a request for verification, I did this through the USPS with certified mail with signature required so I know they received the letter as I only had 30 days to reply. The letter they sent said it was mailed XX/XX/XXXX, although I did not receive the letter until the XXXX of XXXX, so this left just a short amount of time to reply. Around XX/XX/XXXX I received my letter back saying it was refused, despite 3 attempts to deliver. I can only assume they do this on purpose to make sure no one can ask for validity within that first 30 days. I have my letter, proof they attempted to deliver the letter and proof they refused it. I couldn't send another letter and make it there within that first 30 days. The company name is Afni, Inc. The address I sent it to is XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX, IL XXXX The actual amount of this is supposed debt is {$20.00}, XXXX. I have included a copy of that letter on the upload area without signature since I printed it and signed then sent it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
Transworld Sys were calling and sending bills illegitimately from an overdue medical bill. I requested proof of the overdue bill but they never provided me with any such proof. I was threaten to make the payment or risk that they would place this occurrence on my credit report if a payment was not made. Reluctantly I made the payments as agreed over a few months but they still processed the debt as a charge-off which was not what I had agreed to, nor did they ever provide proof that in fact this was a debt of mine.

I have made several credit reporting dispute attempts to have this blemish removed from all three reporting agencies but they have only corrected 1 out of the three. To date this erroneous information remains on my XXXX and XXXX  Credit Reports. 

I would like this information removed from my credit reports since I was illegally coerced into making payments but yet in still reported negatively on my credit report. Please have them provide verification of this debt and also remove negative impact from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- - ALL NAMES listed are NOT MINE. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ** XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ** XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX < -- - ALL addresses listed are NOT MINE. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX Potentially Negative Status Account charged off. {$4900.00} written off. {$4900.00} past due as of XX/XX/XXXX. 
Account Type XXXX  Loan Balance {$4900.00} Date Opened XX/XX/XXXX Recent Payment - Original Creditor - DisputXXXX XXXX XXXX XXXXXXXX. 
XXXX Potentially Negative Status Account charged off. {$160.00} written off. {$160.00} past due as of XXXX XXXX. 
Account Type Credit card Balance {$160.00} Date Opened XX/XX/XXXX Recent Payment - Original Creditor - Dispute XXXX XXXXXXXX XXXX Potentially Negative Status Account charged off. {$470.00} written off. {$220.00} past due as of XX/XX/XXXX. 
Account Type Credit card Balance {$220.00} Date Opened XX/XX/XXXX Recent Payment - Original Creditor - Dispute XXXX XXXX XXXXXXXX Potentially Negative Status Collection account. {$1700.00} past due as of XX/XX/XXXX. 
Account Type Collection Balance {$1700.00} Date Opened XX/XX/XXXX Recent Payment - Original Creditor XXXX XXXX XXXX XXXX  XXXX Potentially Negative Status Account charged off. {$550.00} written off. {$820.00} past due as of XX/XX/XXXX. 
Account Type Deposit Balance {$820.00} Date Opened XX/XX/XXXX Recent Payment - Original Creditor - Dispute XXXX XXXX XXXX Collection account. {$5400.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX XXXX XXXX XXXX Paid, Closed. 
XX/XX/XXXX XXXX XXXX XXXX Collection account. {$1000.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX < -- - ALL accounts listed are NOT MINE. FCRA violation reporting wrong information in my account, FCRA requiries 100 % accuracy this is unlawful and unjustice to do this to my report causing major damage to my credit score.

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 2020-12-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JP RECOVERY SERVICES, INC.
State: MI

Complaint narrative:
I have been contacted twice by JP Recovery ( XXXX XXXX XXXX ). The first time I was contacted was inXX/XX/XXXX. The agent called and requested my name, date of birth, address without disclosing who was calling. I provided my name to the agent and asked them who is calling. The agent told me they were working for JP Recovery and were collecting a medical debt. When I ask about the debt, who it was with and the amount of the debt they told me they could not proceed unless they confirmed my identity. The call felt like a scam so I did not disclose more than my name. 

After the first call, I downloaded XXXX XXXX and saw my credit was in good standing and there were no debt claims on my accounts. I also called my doctor offices to ensure I did not have an unpaid bill with any doctor office. 

I received a second call today ( XXXX ). The agent asked my name, I verified they were speaking with the correct person. The agent then wanted my birthday. Again they did not disclose who they were calling with. When I asked the agent who I was speaking with the agent refused to tell me who was calling unless I provided them with personal information. I ended the call. I then called back the phone who had just called me and heard on the phone system that the phone number was associated with JP Recovery. 

After the second call, I downloaded a free credit report from XXXX and XXXX and saw that I do not have any outstanding accounts. I also called the local police who discovered the XXXX XXXX XXXX was robo generated, which led the police to also believe I am the target of a scam.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
We were originally supposed too close on XX/XX/XXXX, since then we've had multiple addendums for extensions. These extensions also cost me an additional {$2500.00}. All closing documents were signed on XX/XX/2020, yet Bank of America has yet to wore transfer the funds into the escrow account. According to the contract, FHA guidelines, and loan documents, this transfer should have taken place within 24 hours of signing. I have over {$20000.00} sitting in escrow, yet I still get a key to get into my home. All closing costs were paid. Please help! Bank of America is not answering my calls, and they keep giving all parties involved excuse after excuse with no definitive explanation.

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 2020-12-04 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: A+ Loans, Inc.
State: GA

Complaint narrative:
I engaged in a loan with At Loans, had 4 successful loans and renewed the fifth terms ; filed for bankruptcy and they were notified of the case petition and protection under the automated stay have not heard a thing in close to five years ; Recent email from the company advised that they have updated credit profiles and demands payment. First I am still under the automatic stay and the statue of limitations for this loan has past in addition they knew or should have known as a matter of standard operating procedures to do a bankruptcy scrub before demanding funds on a account out of statute. I've called them twice and to no avail. This account is no longer collectible and has no legal standing in addition it is reporting incorrect information on my credit profile. They have violated several laws. The resolution I am seeking is removal of any recent information on my credit profile ( s ) ; restitution for the violations.

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 2020-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MO

Complaint narrative:
Received a notice in the mail for a massive debt. The debt said I owed USAA the company a debt of over {$20000.00}. I have never had USAA as a company, nor am I aware of any debt I have ever had for any reason with such a high amount, and the date the said XX/XX/XXXX doesn't ring a bell at all. So I responded to the debt letter with a request for verification, I did this through the USPS with certified mail with signature required so I know they received the letter as I only had 30 days to reply. The letter they sent said it was mailed XX/XX/XXXX, although I did not receive the letter until the XXXX of XXXX, so this left just a short amount of time to reply. Around XX/XX/XXXX I received my letter back saying it was refused, despite 3 attempts to deliver. I can only assume they do this on purpose to make sure no one can ask for validity within that first 30 days. I have my letter, proof they attempted to deliver the letter and proof they refused it. I couldn't send another letter and make it there within that first 30 days. The company name is XXXX, XXXX. The address I sent it to is XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX, IL XXXX The actual amount of this is supposed debt is {$20.00}, XXXX. I have included a copy of that letter on the upload area without signature since I printed it and signed then sent it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 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: IL

Complaint narrative:
Dear XXXX, XXXX  & Equifax  : Thank you for sending me your internal records of the debt ( XXXX XXXX XXXX XXXX Account # XXXX, however you did not VALIDATE THE DEBT. YOU DID NOT provide me a copy of ANY original documentation ( a consumer contract with my wet-ink signature on it ) or provide a valid E-Signature stating my IP Address " Session '' " Time Stamp '' and " Browser '' with the proper paper trail as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) I also have provided FACTUAL EVIDENCE ( see screenshots attached ), circled the items and pointed out with arrows multiple inaccuracies reporting from ALL THREE BUREAUS including reporting payments on a CLOSED ACCOUNT & RE-AGING THE ACCOUNT ( please see attachment ) which is in violation of the FDCPA. You stated in writing that you verified that these items are being reported correctly so how could this happen? Are you being prejudice against me? I am certain you are aware that it is against the law to threaten suit without the intention of doing so. Therefore, be advised that I am very serious about filing a suit against your company. I HAVE PROVIDED MY UTILITY BILL FOR ADDRESS VERIFICATION AND ID AND SOCIAL SECURITY # Best Regard, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 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: WA

Complaint narrative:
on XX/XX/20 I sent Transunion a 609 letter to verify some accounts and hard inquiries on my credit report. 

After 30 days and no reply I sent a demand or comply letter to remove the items. on XX/XX/20 Transunion is still reporting these accounts on my credit report. even after 30 days and no verification or reply.

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 2020-12-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: RI

Complaint narrative:
I was contacted by Southwest Credit Systems LP, regarding a non existent debt. I informed the representative that there is no debt and requested they forward me the source documents. What I was sent was far from a source document. These tactics are tantamount to extortion.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I didnt know this account was closed.I never received paperwork/info why this company closed my account.I know this card used to be sears and was transferred to shop your way.Because its closed without me knowing, it has dropped my credit score.I believe under the Consumer protection act, CBNA has to notify me by letter that there closing my account and the reasons why

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 2020-12-04 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: VA

Complaint narrative:
Equifax has XXXX 's last payment as XXXX. 
XXXX  has XXXX 's last payment date as XXXX. 
XXXX  has XXXX 's last payment status date of XX/XX/XXXX. 

Equifax has XXXX 's last payment as XXXX. 
XXXX  has XXXX 's last payment as XXXX XXXX  has XXXX 's last payment as XX/XX/XXXX. 

Equifax  has XXXX  's last payment as XXXX. 
XXXX  has XXXX  's last payment as XXXX. 
XXXX  has XXXX  's last payment as XX/XX/XXXX. 
Equifax has XXXX 's last payment as XXXX. 
XXXX  has XXXX 's last payment as XXXX. 
XXXX has XXXX 's last payment as XX/XX/XXXX. 

Equifax has XXXX XXXX last payment as XXXX XXXX  has XXXX XXXX last payment as XXXX. 
XXXX  has XXXX XXXX last payment as XX/XX/XXXX. 


THESE ACCOUNTS APPEAR TO BE FURNISHED BY THE SAME CREDITOR SO WHY IS IT THAT THE DATA THATS PROVIDED IS DIFFERENT ON EACH BUREAU? IT IS THEIR DUTY TO ENSURE THAT ALL INFORMATION PROVIDED IS CONSISTENT AND MOST IMPORTANTLY ACCURATE. HOWEVER THE CREDIT BUREAUS HAVE FAILED TO DO SO. I HAVE CONTACTED EACH BUREAU SEVERAL TIMES ABOUT ERRONEOUS INFORMATION. EQUIFAX HAS CHOSEN TO BLATANTLY DENY MY REQUEST TO FURTHER INVESTIGATE THE MATTERS.BECAUSE OF THIS APPARENT NEGLECT IN ENSURING THAT EVERYTHING ON MY REPORT IS ACCURATE, CONSISTENT, AND UP TO DATE, I AM HERE AGAIN REQUESTING THAT THESE ERRONEOUS ITEMS BE DELETED IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 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: MO

Complaint narrative:
I asked the three major credit bureaus to verify info and delete. All three credit bureaus, XXXX, XXXX, Equifax have yet to verify accounts and still haven't deleted the items from my reports. They have broken the law and I would like the incorrect info removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I asked the three major credit bureaus to verify info and delete. All three credit bureaus, Experian, XXXX, XXXX  have yet to verify accounts and still haven't deleted the items from my reports. They have broken the law and I would like the incorrect info removed.

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