vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it XXXX you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below : - XXXX/Dept of Ed - XXXX - XXXX/Dept of Ed - XXXX I demand the accounts be verified or removed 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 2020-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX CREDIT INQUIRY DATE XX/XX/2019 2019

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 2020-11-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC
State: CA

Complaint narrative:
i called westlake financial regarding monthly payment thier charging me {$80.00} for being 2 days late they said they can only try to help waiving XXXX but i will still need to pay XXXX in late fees for 2 days late im in a financial hardship and can not afford the extra fees that they are wanting.

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 2020-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below : - XXXX/Dept of Ed - XXXX - XXXX/Dept of Ed - XXXX I demand the accounts be verified or removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 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: FL

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below : - XXXX/Dept of Ed - XXXX - XXXX/Dept of Ed - XXXX I demand the accounts be verified or removed 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 2020-11-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
This is a follow up to my complaint reference number : XXXX filed on XXXX XX/XX/2020 The bank, JP Chase Morgan, has not given me a definitive answer whether the beneficiary bank received the funds. As of XXXX XX/XX/2020, Chase emailed me saying that " they received the confirmation from the intermediary bank, so we know for sure that the beneficiary Bank has received the funds. As soon as we confirm that the funds were applied we will let you know ''. 
I spoke with the Chase agent on XXXX XX/XX/2020 requesting her for a copy of the XXXX report but up to now, she has not sent it yet. Also, I have not heard from her whether the funds have been applied as indicated in their email. 
This complaint is now on its third month without any resolution because Chase is not doing its best to have the funds transferred to the recipient bank. 
The Chase agent has just given me a run around about the complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: OPTUM BANK, INC.
State: OH

Complaint narrative:
I opened an HSA ( Health Savings Account ) with OptumBank. I attempted to fund the account with the maximum contribution limit of {$7100.00}. Somehow, the transaction was processed twice and my account was debited twice. No pending transactions were listed on my account management page at the OptumBank website and my account balance registered as {$0.00}. When I contacted OptumBank about the error, they told me there was nothing that could be done and that I would be charged as making an excess contribution. They could not tell me where the excess funds went or why this occured.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AmeriCollect
State: WI

Complaint narrative:
Recently the debt collection agency Americollect reported a collect account in the amount of {$660.00} to major credit reporting agencies claiming I owed for a past due balance. Prior to doing so no letter of notification or debt collection practices as outlined by the FDCPA were followed. Upon learning of the collection account through a credit monitoring service I contacted Americollect in writing to dispute the debt, ask for validation of the debt and explain that I had not received a letter previously explaining the debt which would have allowed me to dispute the debt. In return I was sent an unsigned copy of an invoice, despite requesting proof of an original letter of intent to collect the debt and no verification of the debt of any sort. 

As such Americollect continues to report negatively impacting information to my credit profile. When contacting Americollect via the phone on XX/XX/20 I was informed that they do not have any documents establishing privity between their organization and the original medical facility and myself, also no signed agreements between myself and the original creditor. They referred me to the original creditor who states that since the account is in collections I must speak directly to Americollect. As of XX/XX/20 Americollect has not validated the debt as requested.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Zenith Financial Network Inc
State: NV

Complaint narrative:
I was called by Zenith Financial Network and Associates about an old debt by the associate XXXX XXXX. I was threatened with being sued and the seizure of my property if I did not agree to pay right away on XX/XX/2020. I explained that I wanted validation of the debt as well as to view the contract saying I owed the money to them. I was presented with a letter that did not contain any of this information, or options to pay off the debt. I have emailed back asking for the validation again but have gotten no response. Also, They are not answering phones at the number given to me to call back. The person on the line was very rude and pressuring me to pay as soon as possible or threatened i would be sued if i did not make an arrangement that very moment yesterday. I explained to him that I was at work and did not have time allotted for personal calls but he would not get off the line and email me the information I had requested. He told me if i did not call back yesterday they would sue me.

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 2020-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
On XX/XX/2020 I submitted a dispute to TransUnion for a revolving credit account " XXXX Credit Card ''. The dispute was in regards to an incorrect balance. Its showed a balance of XXXX when the balance was actually XXXX. The investigation was quick and completed on XX/XX/XXXX. The details of the investigation was that they deleted the ENTIRE revolving credit account from my file. This was NOT the request I wanted. I only was disputing the account balance. This account should have stayed on my credit file. 
So I called TransUnion, spoke with multiple Supervisors, and they said the reason the account was deleted because I was an authorized user on the account. No one informed me this and there was no documentation to explain this to me should I dispute an account Im a authorized user. ( That is my first issue ) So they explained that I needed to contact my creditor, XXXX XXXX and have them re-insert showing that I'm still on the account as an authorized user. I call XXXX, spoke with several supervisors and they told me that they can not reinsert this information because TransUnion policy accepts only co-signers on Credit cards. They gave me letterhead letter stating that I never was removed from this account and to provide this to TransUnion. 
So I called TransUnion again, spoke to multiple supervisors and indeed I learned that due to their policy they can not receive documentation from XXXX and add back my credit information to my file because XXXX considered an authorized user and not a co-signer. XXXX does not provide such service to be a co-signer, only an authorized user. 

TransUnion own comments : This is a learning moment, never dispute an account that your an authorized user because once you do you NEVER will be able to have it reported again. 

I find it astonishing that TransUnion never told me their policy ( dispute a account that your an authorized user, it gets entirely deleted from credit file ) and that I can NEVER report this account again. 


SO long story Short : 1. Disputed a balance on a authorized user credit account to TransUnion 2. After investigation they removed the entire account ( Not explaining their rules ) 3. Called TransUnion and they said have your Creditor XXXX XXXX XXXX reinsert my account status through their own channels. 
4. Called XXXX, they cant reinsert my account status due to TransUnion policy -they don't accept authorized user, only co-signers XXXX which XXXX doent provide ) 5. They gave me letterhead docs to prove account status hasn't change on my creditor side.

6. Called TransUnion back, they told me they can not accept this because Im not a co-signer .... Sorry your cant fix this.

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 2020-11-18 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: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I was told by a Chase employee to contact here to get rid of all inquiries because there false and want get my credit score back I only asked for soft pull and get I do but I noticed my score went down so thats why I want these inquiries to be gone Im very upset.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 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: CITIBANK, N.A.
State: MA

Complaint narrative:
Hi Sears ; Credit Bureaus ... ..I 've disputed this account before with both the creditor and credit agencies ( XXXX XXXX  and XXXX  XXXX and it's impossible that this charge off account was ever investigated because the account status was never updated and there are 3 different dates of last active, dates of last payments, inconsistent payment history, 3 different dates of open, and inconsistent high balance and 3 different account numbers and name, etc. Please DELETE this account for Inaccuracy because there are different dates of last activities : ( Date Last Active : XXXX ; XXXX  : XX/XX/XXXX & XXXX : XX/XX/XXXX XXXX. You cant report different dates and years of activities like this! Its imperative that this be accurate because it determines when the account naturally falls off. And its also re-aging the account prior to me disputing it. This is a violation. Please DELETE immediately from my credit report. 

Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this 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 2020-11-18 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: CA

Complaint narrative:
I submitted payment to resolve a debt and specifically stated that if the check was cashed, XXXX XXXX had to remove Collection status off of my credit report. XXXX cashed the check and when I submitted the letter to Experian including proof of a cashed check, Experian still refused to reclassify the debt as " paid in full ''.

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 2020-11-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AR Resources, Inc.
State: WI

Complaint narrative:
Recently the debt collection agency AR Resources reported a collect account in the amount of {$1400.00} to major credit reporting agencies claiming I owed for a past due balance. Prior to doing so no letter of notification or debt collection practices as outlined by the FDCPA were followed. Upon learning of the collection account through a credit monitoring service I contacted AR Resources in writing to dispute the debt, ask for validation of the debt and explain that I had not received a letter previously explaining the debt which would have allowed me to dispute the debt. In return I was sent an unsigned copy of an invoice, despite requesting proof of an original letter of intent to collect the debt and no verification of the debt of any sort. 

As such AR Resources continues to report negatively impacting information to my credit profile. When contacting AR Resources via the phone in XX/XX/2020 I was informed that they do not have any documents establishing privity between their organization and the original medical facility and myself, also no signed agreements between myself and the original creditor. They referred me to the original creditor who states that since the account is in collections I must speak directly to AR Resources. As of XX/XX/20 AR Resources has not validated the debt as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
On Sunday XX/XX/2020 I went to a Bank Of America ATM to withdraw some money from my Bank Of America ( Nevada Unemployment Insurance Debit Card ), when I tried to withdraw the money it showed me that I only have a balance of {$3.00}. Which was odd because I should have had a balance of {$730.00} on my debit card. I went online to check recent activity and it showed me that on XX/XX/2020 an ATM cash withdrawal occurred at XXXX XXXX Bank. Two transactions happened at that ATM. The first charge was a XXXX XXXX ATM cash withdrawal domestic fee, which was {$1.00}. Following that charge, {$730.00} was taken out of my debit card via XXXX XXXX ATM cash withdrawal. I did not withdraw any of that money, nor gave access to my account to anyone. I have become a victim of fraud. 

After I saw those unauthorized transactions I proceeded to call Bank Of America ( On XX/XX/2020 ), here is their phone number XXXX ( XXXX XXXX XXXX. Every time I called Bank Of America I was meet with a customer representative, I was told that I needed to talk to the claims department. I was then transferred to the claims department. After being on hold for 2-3 two hours, an automated voice told me that the machine is full and I could not leave a message then it proceeded to hang up. I tried the same thing again the following days ( XXXX XX/XX/2020 ) and the same thing happened, and every one of those days I was on hold for 2-3 hours. After that, I tried a different approach. On XX/XX/2020 I called the same number again and asked to speak to the customer service supervisor, so he could transfer me to the claim department instead. After waiting for around 45 minutes I finally spoke to someone. The customer service supervisor claimed that he would send an email out for the claim department to give me a call within the next 24 hours. After waiting for more than the 24 hour period I did not receive any calls. So I called again ( XX/XX/2020 ) and spoke to another customer service supervisor he also claimed that he would send an email to the claims department and they would follow up with me within 24 hours. So I patiently waited and I heard nothing from them. Today XX/XX/2020 I tried calling Bank Of America from my phone and they blocked my number linked to my account so I could not reach customer service. 

I have been working for over 40 years and I never applied for unemployment. But unfortunately, due to covid, I was laid off. Now since I'm a victim of fraud I don't have any money to feed my children. That was the only source of income I have.

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 2020-11-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have a Capital One credit report that reported a late in 2018. I disputed it with them and the credit bureaus and they all changed everything incorrectly. XXXX actually deleted the entire account from my credit report at all. XXXX actually deleted as well and when I told them the account was still active, they pulled it back up with showing one late on XX/XX/2018. XXXX verified and said there is a late on XX/XX/18. All bureaus are completely inaccurate. Capital One keeps giving different information and now all bureaus are reporting differently and no one has been any help in getting this corrected. I just want this late removed as everyone is incorrect and this has taken a ton of time spent trying to get inaccurate information corrected.

Company response to consumer: Closed with explanation