vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-11 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: FL

Complaint narrative:
I called TransUnion on XX/XX/XXXX and informed the agent that I was a victim of their inquiry issue and that the following inquiries were made without my consent or authorization. The agent refused to listen to my concern or resolve the issue. I am requesting the removal of the following unauthorized inquiries : XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX  Inquired on XX/XX/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 2022-01-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ascension Point Recovery Services, LLC
State: OK

Complaint narrative:
The company has sent me a letter by mail for the estate of my father. They sent a copy of the letter to the probate attorney. I have no personal connection to any of his debts, so they need to stop harassing me. 

On XX/XX/22, they called me. I have previously told them to stop calling me, but now they are harassing me. I did not save the date of the last phone call attempt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 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: Second Round Limited Partnership, Austin, TX Branch
State: AR

Complaint narrative:
XX/XX/2021 I was served with a lawsuit filed by SECOND ROUND SUB LLC. 
I was blindedsided, first I had never heard of second round sub LLC or their allegations. 

I was sent nothing from Second round sub LLC or the law firm they are using to bypass the laws regarding debt collector lisensing. 

Nothing was sent to me prior to the lawsuit papers. 
Nothing sent by second round sub LLC or their hired law firm XXXX XXXX XXXX. 

I confirmed SECOND ROUND SUB LLC, IS NOT LISENSED TO collect or obtain a debt for collection on a Arkansas resident. 

I have found mixed interpretations on this Arkansas law, it looks like there is a grey area, these type third party debt collection agencies are abusing that grey area to file lawsuits on thousands of unexpecting Arkansas residents. 

Most of these civil cases end in a default judgement and the debt buyer then legally robs the individual for whatever amount they have made up and stuck in a baseless lawsuit. 

It's awful! it's criminal and must get regulated. Something has to be done. Look at the Arkansas civil court dockets. It's overwhelming packed with lawsuits as I just described. 

Consumers need to understand just because a third party debt collector says something in a lawsuit DOES NOT MAKE IT FACT. Not by a long shot. 

In my case, I absolutely deny what they are aledging, I know there is no factual evidence, because the allegations never happened. 

This has to stop. 

When a company is using a law firm to come after unexpecting individuals, they are using the courts as a weapon and it's threatening and can be very intimidating to a individual. 

Third party " junk debt buyers '' entire business model is based on default judgements! 
Where is the justice in this! It's twisted into legal robbery! 

Throwing hundreds of thousands of individuals and their families into bankruptcy, homelessness, a wide variety of negative impacts by this " grey area " and these business models set up to abuse it. 

I am filing a complaint on second round sub LLC with you and the with the Arkansas debt collector lisensing agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
We received callous and incompetent treatment in trying to do a simple transfer of funds from our account at Citi to our account in a XXXX bank from XX/XX/XXXX to XXXX of this year. In multiple attempts, emails told us to call to validate the transfer. When we did, we got people speaking unintelligible XXXX who could not or would not validate our transfer. They told us that the transfer was pending in another division that would call us to validate it. Although we gave XXXX phone numbers, they never contacted us. They canceled all of our transfer requests over almost a week. 

Those who attended us on the phone not only spoke incomprehensible XXXX but sometimes cut us off after being unable to resolve our question, causing us to have to call again and endure another long wait. Having to ask the poor person attending the call to repeat every sentence XXXX or XXXX times was painful. 

This inept treatment caused us to delay the purchase of a new home as well as considerable stress and waste of time. Transferring funds from XXXX of our accounts to another should not be this difficult.

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 2022-01-11 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: IN

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
Good afternoon, Credit Collection Services have derogatory information on my XXXX Credit Report. They are stating I owe them {$67.00}. I do not owe them any money. I never sign any contract with Credit Collection Services. They are stating it is from XXXX. I have medical insurance that I use when I go to the doctor. Therefore, I do not owe them any money. I have medical insurance which covers all of my doctors visit and lab work. 
File # XXXX Phone # XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
My lender is TIAA Bank, the loan is serviced through something called XXXX. They are both utterly XXXX. On multiple occasions they have attempted to unilaterally change the terms of my loan without my consent. Among other things, they went out and purchased homeowners insurance at 4x the market rate and then attempted to pass that cost along to me ( I already had homeowners in place ). They mistakenly paid my real estate taxes even though it was not set up to be paid out of escrow, and then tried to use that fact to restructure my entire loan. And on and on and on .... 

I have attempted to contact them literally dozens of times to discuss and rectify this. Literally dozens of phone calls, emails and letters over more than a year. It is IMPOSSIBLE to get anyone on the phone. They purposely wall themselves off from borrowers to prevent anyone from engaging with them in a meaningful way. 

They are truly an ugly, XXXX, XXXX  organization and I hope they will be held accountable for their unethical behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 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: CBC Companies, Inc.
State: GA

Complaint narrative:
I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 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: William D. Meeker Enterprises, Inc.
State: GA

Complaint narrative:
I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
TD Bank has grossly been mishandling my dispute against a merchant ( XXXX ), who deleted my account for no good reason and would not allow me to return the only merchandise I ever purchased from them under said account. TD Bank requested more information, and I provided it to them. It was plain and simple.. just what I said They closed my account and would not allow me to return merchandise. A XXXX year old could figure it out the first time. Nonetheless, I cooperated and did what they asked. 
This time around, I showed TD Bank the email where the merchant closed my account. And the date of that email proves I was still within the 30 days to return the merchandise, which is standard policy for items shipped from the merchant, even if theyre sold from a third party. TD Bank states their reason for not settling the dispute in my favor thus far, is because the merchant provided documentation of me making the transaction, which is utterly and completely irrelevant as to why I disputed the charges. TD Bank further states that the merchant provided documentation showing that I continued to use their services. I would love to see this so-called documentation, being they closed my account. How was I able to continue using their services if they closed my account?!?!? Does that make even the least bit of sense?!?!? Their email where they closed my account even states, When we close your account, you can not open a new account or use another account to place orders on our site. 

TD Bank states they are only giving me a partial credit {$50.00} of the {$150.00} I disputed, and that I need to resolve my issue with the merchant directly Absolutely disgraceful. XXXX  poor excuse for The Bank Where People Make the Difference. '' What a joke. They cant even do their jobs correctly, let alone make a difference. 

I have been with TD Bank for 20 years, and this is the first dispute Ive ever filed against a merchant aside from XXXX, not counting a couple credit card companies I recently disputed against for ach payments I had revoked authorization from but they charged my checking account anyway. So for TD Bank to manage my dispute so disgracefully, I am beyond disgusted that they would treat such a long time, supposedly valued customer this way. Therefore, if TD Bank does not make this right and provide to me the full {$150.00} whether it comes out of the merchants pocket or theirs, I will be closing my account with TD.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
Due to the pandemic my husband experienced financial difficulties and we started paying our mortgage and we became delinquent. We were only offered a deferment or forbearance plan and we requested a modification several times. We were assessed late fees and other charges while being in forbearance and they have done that in the past with my mortgage account. Shellpoint has also improperly reported my credit standing which prevented me from refinancing my mortgage loan. Shellpoint has violated RESPA, FDCPA and FCRA at my expense.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 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: EQUIFAX, INC.
State: NY

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 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: NJ

Complaint narrative:
Multiple accounts on my credit report I do not recognize XXXX XXXX {$3500.00} XXXX  {$400.00} XXXX XXXX {$400.00}

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 2022-01-11 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX According to the Fair Credit Reporting Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verity through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. 

In XX/XX/XXXX, this account was stated as being late. JPMCB XXXX {$9500.00} Balance updated XX/XX/XXXX XXXX late payment Account Info Tap labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Notice, I have been on time with all my other payments and at the time my account was on auto pay. This was clearly an error on behalf of chase to deem this account as late. It is affecting my credit worthiness and has put me in a state of distress as Im trying to purchase a home and the lender is stating that this late payment is hindering me from reaching my financial goal and credit worthiness for the home that Im seeking to purchase. 

If you would as to be so kind to revise my account and remove late payment from XX/XX/XXXX I would be most grateful.. Ive sent letters and even spoken with a representative stating my claim on XX/XX/XXXX and mailed certified letter on XX/XX/XXXX. After speaking with the chase representative m, she agreed that the late payment may have been caused by an error on their end and that they would look into. It is now XXXX and the late payment still remains. 

Please consider my stellar payment history as a form of my integrity in this matter.. Thank you. 



JPMCB XXXX {$9500.00} Balance updated XX/XX/XXXX XXXX late payment Account Info Tap labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: OH

Complaint narrative:
On about XX/XX/21, I received a debit card in the mail for XXXX. I never opened an account with them, nor do I have an app, yet I received the card. I sent an email to them and they notified me that the account was closed and an alert was placed. I then received a card in the mail on XX/XX/21 from XXXX XXXX. I do have the Cash App downloaded and I use it, but I never requested a card. I have contacted them but am waiting for them to call me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Information belongs to someone else
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
I extended my lease with XXXX XXXX of XXXX XXXX NY for another 6 months. I am up to date with payments and the dealership told me that I am all set and to simply continue making payments. I have been receiving notices in the mail and calls to return my car, as well that I am behind in payments. I called them several times regarding the same issues to explain that I am current, and extended my lease. The last time I spoke with them they said to please disregard the notices as they made a mistake. My credit report now shows someone elses delinquent account that I am not a co signor for, and my credit score has gone down over 70 points because of this. I have been trying to reach them again and have been given the run around. No one has called me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 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: V and H Portfolio
State: TX

Complaint narrative:
I have sent in several disputes in regard to this account. each one has been ignored. The account has been updated several times with no proper investigation. This violates my rights as a consumer. I never gave written or oral consent to this account reporting XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 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: NY

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: MN

Complaint narrative:
Hello about three weeks ago my Coinbase Wallet was hacked and compromised for {$30000.00} on Wednesday, XX/XX/2021. It was all of the money that I had saved over the past few years and the hackers were able to transfer my money to a private wallet without my knowledge or consent I was also not alerted until I checked my account and saw it was at zero! I have complained about this to Coinbase and they have stated that they have nothing to do with this and because its my private wallet that makes it a decentralized platform meaning you are your own bank and you are responsible for all the losses that come with it. I just want justice to be served and I am hoping that I will be able to receive my hard earned money this is been XXXX XXXX XXXX XXXX on my body and its cost me to tap into a XXXX  XXXX that Ive been battling with on and off since the event happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 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: NJ

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 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: FL

Complaint narrative:
I called Equifax on XX/XX/XXXX and informed the agent that the following inquiries were made without my consent or authorization. The agent refused to listen to my concern or resolve the issue. I am requesting the removal of the following unauthorized inquiries : XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX - XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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