vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Im filing this dispute on regards of the incorrect personal information that appears to to be reporting to these credit bureaus causing them to fail to provide 100 % accuracy across the boards. Ive tried to dispute many times yet no results.

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 2021-01-26 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Address information is inaccurate on credit report and I was a victim of identity theft in the past. Would like all address removed and updated to current address

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
My personal information is incorrect, please remove /delete any and all addresses on my credit file except for the one thats on my government issued state id .... attached. All others I never physically resided at. See the Attached

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 2021-01-26 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: CA

Complaint narrative:
I spoke to Equifax on multiple occasions and the still will not remove this account ( XXXX XXXX XXXX XXXX  ) This is a fraud account, this account does not belong to me. I have sent dispute after dispute, equifax does not respond, I have sent certified letters, 90 days went buy and still no response from equifax, but the company nor equifax will resolve this matter. I even had to get a police report. Also XXXX is paid off, never late / closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: United Collection Bureau, Inc.
State: NY

Complaint narrative:
They called someone I know but Im not family with or friends with that person I dont even know how they got that persons number

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Im filing this dispute on regards of the incorrect personal information that appears to to be reporting to these credit bureaus causing them to fail to provide 100 % accuracy across the boards. Ive tried to dispute many times yet no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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: CA

Complaint narrative:
Im filing this dispute on regards of the incorrect personal information that appears to to be reporting to these credit bureaus causing them to fail to provide 100 % accuracy across the boards. Ive tried to dispute many times yet no results.

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 2021-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
How can XXXX deny my application for approval due to Fraud alert?

I thought Fraud alert meant you had your identity stolen .And nothing to do with getting credit approval. They are not following the law. Secondly they did not call me to see if it was me or an imposter. Again, not following the law. These people not obeying the law.

And Equifax has not corrected any of my credit report.

I dispute my credit report with XXXX and they haven't correct. So Equifax is still using incorrect information from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
How can RealPage/LeasingDesk deny my application for approval due to Fraud alert?

I thought Fraud alert meant you had your identity stolen .And nothing to do with getting credit approval. They are not following the law. Secondly they did not call me to see if it was me or an imposter. Again, not following the law. These people not obeying the law.

And XXXX has not corrected any of my credit report.

I dispute my credit report with Experian and they haven't correct. So XXXX is still using incorrect information from them.

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 2021-01-26 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
To whom it may concern, On XX/XX/2020 my BOA unemployment benefit card was declined. I believe the account was closed due to a fraud claim I submitted and BOA rejected the claim and closed it. I then asked them to reopen the claim and reconsider being that the amount was nearly {$400.00} and it was clearly fraud. The transactions were under very strange codes. Well I never heard back from BOA and next thing I know my account is closed with nearly XXXX in it. I then called customer service and was told my account had been closed with no notice nor warning to allow me to withdrawl my funds. I have tried calling numerous of numbers, stayed on hold for hours just to be hung up on. It has been over a month and still no letters no check with my remaining funds nor an explanation as to why it was done. No answers nor assistance. My unemployment has also been messed up and I am now dealing with being evicted, unable to pay any of my bills during this pandemic. If someone could please help me with some sort of guidance as to how I can solve this issue as soon as possible. 

Much Appreciated

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 2021-01-26 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Experian removed creditor XXXX, Acct # XXXX from my credit report XX/XX/2018, Report # XXXX. 

This item has been reinserted on my credit file with me being notified in writing of this withing 5 days violating FCRA LAW

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 2021-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: RGS Financial, Inc.
State: PA

Complaint narrative:
RGS has continuously called me using abusive language to collect an alleged debt of {$11000.00}. They have sent a bill on XX/XX/XXXX and after to collect this alleged debt after repeatedly being asked to stop. A letter has been sent on XX/XX/XXXX XXXX for cease of such collection of this alleged debt with no response from RGS however RGS continues to report negatively on my credit report. After more than 60 days this company has not responded to either letters asking this company to send proof of this alleged debt or to cease collection of the alleged debt. They are a burden on my life causing me great XXXX and XXXX in which I have had to seek medical attention for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: FL

Complaint narrative:
Several unforeseen circumstances led us to enter mortgage forbearance. During forbearance our mortgage was sold THREE TIMES and we landed with Flagstar Bank. It was not the original bank we chose nor did we agree to the following : Flagstar has been apparently monitoring our home, and subsequently us.

They have left obscure notes at the front door with their phone number. They do this when were gone, meaning someone is watching us.

This is harassment of the HIGHEST order.

When called they say it is their protocol to make sure were taking care of the home.

This is the most stressful disgusting practice and it needs to stop.

They have no right to trespass and harass people whos rights under the cares act remain intact.

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 2021-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
XXXX has continuously called me using abusive language to collect an alleged debt of {$11000.00}. They have sent a bill on XX/XX/XXXX and after to collect this alleged debt after repeatedly being asked to stop. A letter has been sent on XX/XX/XXXX XXXX for cease of such collection of this alleged debt with no response from XXXX however XXXX continues to report negatively on my credit report. After more than 60 days this company has not responded to either letters asking this company to send proof of this alleged debt or to cease collection of the alleged debt. They are a burden on my life causing me great stress and XXXX  in which I have had to seek medical attention for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Duncan Solutions, lnc.
State: PA

Complaint narrative:
Professional Account Management LLC ( PAM ) has called numerous times using abusive language for an alleged debt that I have no recollection of. They have also sent said bills of this alleged debt and when being asked in writing to provide proof of such debt, they failed to respond. Attached is a letter dated XX/XX/XXXX in the amount of {$290.00}. As stated before PAM has been asked to cease all communication on XX/XX/XXXX iin concerns with this alleged debt and they failed to respond or follow request. This endeavor has caused me such anxiety and grief in which medical attention has been sought.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
I PAID THIS COLLECTION AGENCY ON BEHALF OF BARCLAY BANK. BARCLAY BANK ASSIGNED THIS CASE TO 2 DIFFERENT COLLECTION AGENCIES. EITHER THIS COMPANY DID NOT REPORT I PAID THEM TO BARCLAYS BANK BECAUSE BARCLAY SAYS I STILL OWE THEM THE MONEY AND THE XXXX XXXX XXXX IS STILL TRYING TO COLLECT. ALSO ITS REFLECTING ON MY XXXX  AND XXXX REPORTS AS NEGATIVE AND STILL HAS A BALANCE.

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 2021-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
with Covid 19 I have tried to fix my credit and start all over again. I got school loan paid off and summit it to them. still on my credit. I am a single mo that left an XXXX, XXXX  XXXX  x.I have been starting over moving forward .try to get Bk off that was my x .I also have bad credit and have not been able to get car .I take bus. but now with cover I stuck and need good credit so I can Live a life with my kids away from x. I have had a good job butcovid shut us down.I hope to be back doing  XXXX  in the next month I need help getting all negative stuff from my x off credit and continuing build good 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 2021-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
I received the attach letter saying Ill have access to my funds at the end of next month. The letter says to email them if I have any questions. Well Ive emailed them many times and no response. When I go through the website and message PayPal they send me an automated response. This has been going on for almost 6 months now. I cant talk to anyone nor can I get a email or message from a real person. What do I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NY

Complaint narrative:
Mortgage payment was made to loan care LLC for {$900.00} and payment was debited from my checking account. I provided them with proof of payment from XXXX ( they claimed it was not sufficient proof ) this is the second time since XX/XX/2019 that they have not applied payments I made on time to my mortgage. This reflects negatively on my credit report and they are incredibly difficult to resolve these matters with in a timely manner. The first incident in XX/XX/2019 took me almost 3 month to clear the issue and it reflected negatively on my report till the issue was resolved.

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 2021-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.

Complaint narrative:
Coinbase I had XXXX worth of virtual coins. As soon as the market started going up my account was locked. Once I managed to get into my account the money was gone showing empty funds. 
I have contacted coinbase several times with no luck. 
This has been going on for over 4 months, today my virtual currency would be worth up to XXXX. 
My case number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Financial Recovery Services, Inc.
State: MA

Complaint narrative:
i settled a debt owed to XXXX XXXX. they apparently sold the account to 2 different collection agencies. i contacted everyone involved but nothing has changed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Strategic Alliances, Inc.
State: MA

Complaint narrative:
I PAID THIS COLLECTION AGENCY ON BEHALF OF XXXX XXXX. XXXX XXXX  ASSIGNED THIS CASE TO XXXX DIFFERENT COLLECTION AGENCIES. EITHER THIS COMPANY DID NOT REPORT I PAID THEM TO XXXX XXXX  BECAUSE XXXX SAYS I STILL OWE THEM THE MONEY AND THE XXXX XXXX XXXX IS STILL TRYING TO COLLECT. ALSO ITS REFLECTING ON MY XXXX AND XXXX REPORTS AS NEGATIVE AND STILL HAS A BALANCE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
THESE BUREAUS ARE FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION 15 USC 1692e. THE ALLEGED DEBT CAN NOT BE VERIFIED AND I HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS WHICH IS ANOTHER VIOLATION UNDER THE FCRA.

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 2021-01-26 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Velocity Portfolio Group
State: AZ

Complaint narrative:
Velocity investment LLC trying to collect on a wrong debt. The debt is suppose to be {$8200.00} and they are reporting on {$13000.00} and I wrote them letters for deletion! They failed to do so.

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 2021-01-26 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
THESE BUREAUS ARE FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION 15 USC 1692e. THE ALLEGED DEBT CAN NOT BE VERIFIED AND I HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS WHICH IS ANOTHER VIOLATION UNDER THE FCRA.

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 2021-01-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
I was on a 180 days forbearance period. After that I could start making payment to the bank. However I could not do the regular payment so the bank offered me a flex loan modification. They extended from 30 to 40 days the loan adding the part of the loan I could not pay to back of the loan They send me all the document and as only requirement was to go thru a trial period of 3 month making regular payment for the new amount of the loan starting on XXXX to XXXX. Which I did with no problem. 

To my surprise my flex loan modification was denied due to an error in their system. I called the bank On XX/XX/XXXX and i spoke to a customer relationship manager and he said no worries about it due to this error on the end they will fixed due to I have done and completed all the requirements. I have called the bank several times since alll this started to follow up Since XX/XX/XXXX I have been calling to the bank until XX/XX/XXXX they always said they are going to fix it, they had escalated the issue to their superiors and someone will call me with an updated nothing has been done. I have all the call documented and the names of the persons I spoke with. Already pass more than a moth to fix something in their system. 

Meanwhile the bank is calling me all the time to collect and they said they will proceed to foreclosure if I dont pay what I owned. The bank on The first week of XXXX reported me to the credit bureaus as delinquent. My credit score from XXXX drops to XXXX. I have credit card with cero balance where they have reduce my credit line due to a mayor delinquent report on my credit report. 

I feel frustrated, this is my home where I live with my family. We have done everything to fix this and we continue making payments as the flex modification loan contract said. 


Is this legal during the cares act????? What are my right???? 

Please help!!!!

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 2021-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: WA

Complaint narrative:
Ive sent this company so many letters and they refuse to respond. I simply asked for proof of debt and they wont respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: WA

Complaint narrative:
The didnt provide enough information to verify this debt. They need to provide a contract bearing my signature

Company response to consumer: Closed with explanation