vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-19 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: Express Recovery Services, Inc.
State: UT

Complaint narrative:
Express recovery services under section 623 A as the data furnisher continues to report using the E-OSCAR system information that is NOT 100 % complete or accurate. I am on state XXXX and I was notified by the UTAH XXXX office it is illegal for XXXX  to report any XXXX related billing issues to the credit bureaus. Several violations have been committed under the FCRA, HIPAA and the FDCPA.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Violates FCRA reporting policies. This company has reported this account being 'charged off ' 34 times!! 

An account can not be charged off 34 times.

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 2021-03-19 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Violates FCRA reporting policies. This company has reported this account being 'charged off ' 34 times!!

An account can not be charged off 34 times.

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 2021-03-19 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: NJ

Complaint narrative:
Im submitting this complaint against EQUIFAX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. This company continues to electronically verify this " ghost '' account without providing any legally binding evidence, such a signed contract and a complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, this company refuses to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. Its causing me so enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC
State: ME

Complaint narrative:
On XX/XX/2021 Transworld systems sent out a debt notification letter about an alleged debt. On that same day they also reported to the three major credit bureaus that the account was in collections which is in violation with the CFPA. The notification letter from Transworld systems was received on XX/XX/XXXX and a validation request letter was sent out via certified mail on XX/XX/XXXX and was received and picked up by Transworld systems on XX/XX/XXXX at XXXX XXXX, well within the 30 day window to request validation before action could have been legally taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
Fraud at USAA FEDERAL SAVINGS BANK EX-Spouse collected stimulus of {$1400.00} XXXX XXXX XXXX I have stated numerous claims to this institution regarding Identity Theft and Fraud with personal information. 

The claims go unresolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Key 2 Recovery, Inc.
State: VA

Complaint narrative:
XXXX is reporting an erroneous debt reported by Key 2 Recovery of {$1700.00}. This debt does not belong to me as my identity was stolen, including identification, social security card, and birth certificate. I am aware payments were made towards this account ; however, I affirm they were not made by me, from my authorized account, or on my behalf. This account of which Key 2 Recovery is collecting on in error and I have not had a relationship of any kind. 

As a result of the false information or accounts obtained falsely, it negatively impacts my credit, and the bureaus or the collection agencies have NOT done due diligence to verify and rectify.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX I am very upset having to do this for the second time. I sent a letter letter regarding inaccurate information on my credit report which resulted in my credit score dropping 134 points and still till this day 45 days later I have still yet to hear from the credit bruros. I know my rights the credit bruros have 30 days to reply or delete the invalid information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 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: MA

Complaint narrative:
This is my second complaint being filed for XXXX XXXX for the two accounts listed on my credit report. 

Validation letter was sent. Company responded but did not provide any supporting documentation requested. This was verification not validation of the debt. 

XXXX XXXX sent a second letter stating no statements or current balance could be provided. The account is closed/charged off. 

Attached is the original letter for validation. XXXX XXXX 1st/2nd response for the two accounts in question.

This 2 account are to be deleted 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 2021-03-19 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: MA

Complaint narrative:
This is my second complaint being filed for XXXX XXXX for the two accounts listed on my credit report.

Validation letter was sent. Company responded but did not provide any supporting documentation requested. This was verification not validation of the debt. 

XXXX  XXXX sent a second letter stating no statements or current balance could be provided. The account is closed/charged off.

Attached is the original letter for validation. XXXX XXXX 1st/2nd response for the two accounts in question.

This 2 account are to be deleted immediately!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I believe while trying to start a new mortgage, a loan officer at Navy Federal Credit Union discriminated against me and treated me unfairly. In early XX/XX/2021, the loan officer gave me incomplete information about my options and at one point encouraged me to not follow through with the mortgage. At one point she increased our pre-approved amount to much more than we could afford. Through social media I later learned the loan officer had posted pro-Trump and alt-right material. I believe I jokingly made an anti-Trump comment over the phone during the beginning stages ( unknowing of the loan officer 's political beliefs ), which was the reason for the discrimination. In the end I went with a different lender and brought the loan officer 's behavior to the attention of her supervisor on XX/XX/2021. I do not know if any disciplinary action was taken.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Netspend Corporation
State: IN

Complaint narrative:
On XX/XX/XXXX, I attempted to log-in via app to my Netspend ( XXXX ) " XXXX XXXX XXXX '' account to check the balance of the attached checking and savings accounts, but I was greeted by the message that my account had been locked. When I called customer service, the representative explained that I would need to submit proof of identity and mailing address via email to unlock the account. When I explained that I had moved to a new address almost 2 years prior and would be unable to submit any recent documents showing my previous address, the representative suggested I close the account and receive a check for the balance. Only after agreeing to do so did the representative point out that the check would be mailed to the address on file, which was my old address. When I asked how I could update my address to receive the check, she indicated I should email a copy of my state ID ( driver 's license ) with my current address to XXXX and that my account would be updated and a check mailed to my current address. I did so, but several hours later I received a reply from that email account indicating that the address on my ID did not match the address on my account, and that my identity verification had failed. I replied to explain my situation -- that I was not verifying my identity, but attempting to update my address per the phone representative 's instructions -- but I received another email indicating that the email support team could not help with my issue, and I should instead contact phone support again. In total, I made 9 phone calls to Netspend customer support over the course of two days ( XX/XX/XXXX and XX/XX/XXXX ), until I was finally assured by the last representative I spoke with that the address on my account had been updated to my current address ( after I successfully answered multiple verification questions ) and that a check for the account balance ( over {$1200.00} ) would be mailed to my current address within 5 to 7 business days. Today is the 15th business day ( 21st calendar day ), but I still have not received that check. I have even contacted the family living at my previous address to see if they received a letter from Netspend addressed to me, but they have not.

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 2021-03-19 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: EQUIFAX, INC.
State: UT

Complaint narrative:
I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 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: MI

Complaint narrative:
I am writing to delete the following inaccurate, information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make these alleged charges. I ask that the items be permanently deleted from my credit report and updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I launched a complaint with chase on XX/XX/2021 after receiving 31 individual retractions issued by XXXX XXXX. I contacted XXXX and they admitted to the mistake, stating they would launch a claim as well and forward this to their legal team. On XX/XX/XXXX Chase contacted me stating that they were deciding to close my account due to this issue. I was never asked for information supporting the claim and offered numerous times to show Chase the emails from XXXX XXXX and was never given that opportunity, despite advanced providing emails that they were willing to fix this. This closure has left my kids without food for nearly a week, as well as a rejection of the stimulus payment and personal employer pay as well causing irreversible damage.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: AMALGAMATED TOKEN SERVICES, INC.

Complaint narrative:
In 2018, I used XXXX to participate in the airdrop activity of the DFINITY project. During the activity, I paid 0.015 ETH to buy clothes! My wallet address is XXXX payment transaction voucher transaction hash address XXXX but I can not pass the XXXX authentication exchange.Today, 3 years later, I verified my identity on the COINLIS exchange. But I am not eligible for the DFINITY airdrop tokens. This is a very big mistake.The value of this airdrop in the current futures is about XXXX XXXX dollars. I contacted COINliST.CO. I sent an email. It has been rejected. My trading account on COINLIST is XXXX. I can provide all the proofs. I hope this problem will be resolved..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 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: CORELOGIC INC
State: FL

Complaint narrative:
I have credit inquiries on my XXXX XXXX that I don recognized everything on my credit from XXXX to XXXX I havent authorized

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 2021-03-19 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:
The have totally locked me out of ALL and any contact from any source Internet phone mail! Their so called assist sites do NOT WORK- see message " We were unable to honor your request. If you entered your credit card information, we did not charge you " How are we or for that matter anyone able to function financially when they control and utterly can destroy your ability to secure fiances????????? The fact they operate off shore could be a comprehnsion problem???? We need action NOW!

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 2021-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
My debit card was compromised on XX/XX/XXXX. There was six unauthorized transactions completed on my account for the amount of {$970.00} at XXXX for six different transactions. One for XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. So far, I have only received {$510.00} on XXXX and {$120.00} on XX/XX/XXXX in refunds from the bank. I received a refund of {$110.00} on XXXX from XXXX. My issue is every time I call about the remainder of my money that is owed to me, Im getting false information or it is still pending. My card was compromised, Ive been violated and for as long as I have been a member of this bank, they should know my spending pattern and know my card was compromised and know I did not make those purchases. So where is the rest of my money? I dont understand why is it taking them so long to give the remaining funds that is do to me. The remaining of what is truly owed to me is {$220.00} since XXXX has already refunded me my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 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: MI

Complaint narrative:
I am writing to delete the following inaccurate, contradictory information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make these alleged charges. I ask that the items be permanently deleted from my credit report and updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 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: Exeter Finance, LLC.
State: FL

Complaint narrative:
I have credit inquiries on my XXXX XXXX that I don recognized everything on my credit from XXXX to XXXX I havent authorized

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 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: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I have credit inquiries on my XXXX XXXX that I don recognized everything on my credit from XXXX to XXXX I havent authorized

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, My name is XXXX XXXX and I am writing to you about a past account with XXXX XXXX XXXX that was settled with XXXX XXXX XXXX XXXX. with two payments ; first on XX/XX/XXXX of {$110.00} and the second on XX/XX/XXXX of {$110.00} in acceptance with XXXX XXXX XXXX. To this day I still see a charge off and the derogatory mark with other negative remarks on my files with the credit bureaus. This is further ruining my credit and considered unfair business practice. I have been harassed with phone calls and threatening letters that say it will make it hard for me to get credit ; this affected my health very badly. I don't know how the credit bureau takes on this kind of information. I have a good history of making my payments on time with any creditor on my credit file, and have been a good customer to XXXX XXXX XXXX with the lease of the XXXX XXXX XXXX since XX/XX/XXXX, making my payments until XX/XX/XXXX, when I purchased another car from XXXX XXXX XXXX. XXXX XXXX XXXX did the payoff for the last six months and I was told there are no outstanding amounts at the signing of the new contract. This was not the case, as XXXX XXXX XXXX through XXXX XXXX XXXX has been attempting to collect a turn-in fee that was first {$370.00} that was later reduced to the two payments of {$110.00} that was turned over to XXXX XXXX XXXX XXXX. and which was then settled, after XXXX XXXX XXXX ruined my credit over a turn in fee which has nothing to do with the lease amount and is a separate fee. XXXX XXXX XXXX did not close the account and did not show paid in full, until this fee was paid then showing a charge off, and like it shows in my original contract from the XXXX XXXX XXXX, this turn-in fee is not part of the monthly payments. Please help me because I would like to see these negative remarks from XXXX XXXX XXXX taken off my credit reports. Thank you. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital one back USA NA calling threatening me there outside my home, there showing up at my employment, calling my employment. I don't owe them any money, this was investigated in 2018,

Company response to consumer: Closed with non-monetary relief