vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: First National Collection Bureau, Inc.
State: MS

Complaint narrative:
I got a text message from a company called First National Collection Bureau INC, with a number of XXXX. When I XXXX, and researched the number, it doesn't match to this agency. The area code shows South Carolina, while the collection agency shows it's out of XXXX XXXX. I haven't done any business in either location, nor any company from either location.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Automated Accounts Management Services
State: FL

Complaint narrative:
In my previous complaint, the response I received is as follows, " We have to respond to your request for validation of your account. XXXX did provide that and the information that was sent out is all that is necessary to validate that it is your account and it is still owing. We did respond back to you when you were requesting a settlement on this account as XXXX does not settle out their accounts. You then sent another dispute form in which we did respond back to you on XX/XX/21 that we indicated we have already provided you with validation of the account. You then again sent another dispute form in which we did not respond to you as we stated in the last letter we sent you back on XX/XX/21 that we would not respond to any more dispute letters. I have verified again today that you still owe on this account. You can call us at XXXX and we would be happy to work with you on this. Your account is marked as disputed. '' This is a joke. There is a huge different between debt VERIFICATION and debt VALIDATION. I asked for the following information more than 4 times and never once received any of it : *Agreement with the creditor that authorizes AAMS to collect this alleged debt *The agreement bearing my signature that I have agreed to assume the debt *Valid copies of the debt agreement stating the amount of the debt and interest charges *Proof that the Statute of Limitations has not expired *Complete payment history on the account along with an accounting of all additional charges being assessed *Show me that AAMS are licensed to collect in my state ; and *AAMS license numbers and registered agent *Proof of oral and written demands made. 

The ONLY thing I received was a bill that had personal medical information on it. This is a violation of HIPAA. Then I received a letter than they refuse to respond to any more letters. This is not professional at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
VICTIM OF IDENTITY THEFT. I RECENTLY PULLED MY XXXX XXXX AND XXXX CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX XXXX AND XXXX AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
called TransUnion to dispute 2 hard inquiries ( XXXX XXXX on XX/XX/20 and XX/XX/20 ) that I didn't approve. the representative refused to assist me in disputing these 2 items.

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 2021-04-19 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: NY

Complaint narrative:
I preciously notified Equifax that I am a victim of identity theft, and the fraudulent information is still there on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 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: CA

Complaint narrative:
Equifax is denying my request to remove credit inquiry that has been on the report for over 2 years. I submitted requests to remove the inquiries multiple times online but Equifax failed to remove the inquiries. I also spoke with them on the phone but was instructed to submit another dispute online.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC
State: VA

Complaint narrative:
Opened an account with Gemini on XXXX XX/XX/XXXX. I sent them an image of my drivers license that day to begin the process of verifying my identification. While I was in the process of being verified, I was able to ACH {$500.00} a day from my checking account to my Gemini account so I made deposits of {$500.00} on XXXX, XXXX, and XXXX XX/XX/XXXX ( {$1500.00} total ). On XXXX XX/XX/XXXX, I received an email that there was an issue with the documentation I had submitted ( image of drivers license ) and I needed to go back to the site and resubmit it. I took a new photo of my ID and resubmitted. As I was trying to upload the documents the website said my account was closed. I then received an email also saying it was closed and to get my funds back I needed to contact XXXX. I have emailed that address and left messages through the websites help feature but have received no response as to why my account was closed or how I get my funds out of their exchange. The website offers no chat features to talk to a representative nor do they advertise a phone number for support.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Approximately six months ago I opened a safety deposit box with the BOA XXXX  location in XXXX XXXX California. ( XXXX XXXX XXXX, XXXX XXXX, CA XXXX ). 
Ever since opening that deposit box, I have had trouble getting access to my box. Either the bank closes because they don't have staff or the bank uses Covid as an excuse to close the branch. 
On Saturday I went to the bank to obtain my passport from my box so I can travel out of the country. 
Again the bank was closed. There were no signs posted up. There was no email sent to client 's of that branch. Nothing was done. They just closed. As a result I was unable to obtain my passport and therefore had to cancel my trip. 
I went to a different location and I asked them to call someone to come and open the bank because I need my passport to catch my flight. However, they did not help me out. 
I asked them to refund me my money since I paid for the box and I don't have access to my box. Assistant manager XXXX refused to refund my money. This is unacceptable. They charge you a fee upfront for the safety deposit box and they do not give access to the box. They said that they didn't have enough staff so they closed down the bank. No one gave any type of notice. They did not even bother putting up a sign at the door. 
At this time I have been charged for a service that I am not receiving. Therefore, I am making this complaint. Lastly, I had to postpone my trip causing me financial hardship as a result of BOA 's closing of the branch.

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 2021-04-19 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: CA

Complaint narrative:
I have been disputing this account with Transunion for a year now. Every time it comes back as date updated. I have wasted an entire year never getting any results. 
Last payment was made on XX/XX/2019. 
It also says 30 days late on XX/XX/2019 and XX/XX/2019. How can this be? This is in violation, please remove from my credit report. 
XXXX  has already removed this negative tradeline due to errors.

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 2021-04-19 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: LA

Complaint narrative:
Ive sent disputes last XXXX regarding those unknown and inaccurate accounts Ive found on my credit report. It's almost 30 days now but I haven't received any response yet. I demand to DELETE ASAP those accounts or I will file litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
VICTIM OF IDENTITY THEFT. I RECENTLY PULLED MY XXXX, XXXX  AND XXXX  CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX, XXXX  AND XXXX  AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.

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 2021-04-19 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: Consumer Portfolio Services, Inc.
State: FL

Complaint narrative:
VICTIM OF IDENTITY THEFT. I RECENTLY PULLED MY XXXX, XXXX  AND XXXX  CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX, XXXX  AND XXXX  AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
After Costco/Citi closed my account, they sent a letter ( attached - XXXX inquiry ) asserting that there was still a balance owed of {$1900.00}. In fact, the balance was already paid in full and there was a credit balance of {$63.00} ( attached - XXXX your weekly balance alert ). 

XXXX knowingly misstated the balance of my account and claimed that the online account was inaccessible. In fact, the account is still there and generating automated notices that contradict XXXX 's letters to the CFPB and me. 

I want XXXX to send me a cashier 's check for the full credit balance on my account within 24 hours, and submit a written apology to both the CFPB and me for their conduct.

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 2021-04-19 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: Convergent Resources, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX I discovered that Convergent Outsourcing, a company I had never heard of before and never done business with, had placed a blatantly inaccurate and unverified collection account on several of my credit reports for an account that does not belong to me. I immediately contacted the credit bureaus via certified mail and asked for the debt to be properly verified and to be provided a copy of the original written contract with my original signature on it. After an improper investigation, the credit bureaus validated the debt and Convergent Outsourcing sent me a copy of a XXXX bill from XXXX with my name on it. However, anything other than a copy of the original signed contract would be insufficient. A bill without a contract does not validate a debt according to the FCRA. The document they provided is NOT a contract and they did NOT provide me anything with my signature. I have never used XXXX and have been with XXXX for approximately the past 10 years. 

I wrote a second request to the credit bureaus for the original contract and was denied once again, still without a proper investigation. Convergent Outsourcing has demonstrated that they are unwilling and more importantly unable to provide the original contract with all terms and conditions neither with them or the original creditor because I have never had any type of business relationship with either. They are not able to provide a summary of account activities, history of payments made, history of any late payments charged to the account, dates of payments received, or even one single document with my original signature on it, nor do they even have anything with my digital signature. Convergent Outsourcing has had dozens of class-action lawsuits filed against them for multiple violations of the FCRA. They have a long history of doing this exact same thing to many other people.

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 2021-04-19 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF THE WEST
State: AZ

Complaint narrative:
MY FATHER PASSED AWAY ON XX/XX/2019. I HAVE BEEN ATTEMPTING TO GET EVERYTHING THAT WAS UNDER MY FATHERS RESPONSIBILITY TAKEN CARE OF. I WAS UNAWARE I HAD TO GO THROUGH PROBATE TO BEGIN WITH. NO ONE WOULD TALK TO ME. THEN I FIND OUT I DID NOT HAVE TO GO THROUGH PROBATE BECAUSE I AM THE ONLY CHILD AND SURVIVING FAMILY MEMBER. I FINALLY GOT THE COURT TO APPOINT ME AS THE PERSONAL REPRESENTATIVE SO THAT I CAN FINALLY COMMUNICATE WITH THE LENDERS/LENDING INSTITUTIONS, OR SO I THOUGHT. THROUGH THIS ENTIRE PROCESS I HAVE SENT MY DOCUMENTS TO NUMEROUS FACSIMILE NUMBERS SO THAT I MAY REQUEST A PAYOFF DEMAND TO PAY THESE LENDERS OFF BUT NO ONE EVER PROVIDES ME ACCURATE INFORMATION NOR A PAYOFF DEMAND. NOW THESE BANKS ARE FORECLOSING ON THE HOMES I GREW UP ON. THESE HOMES MY FATHER PURCHASED WITH A LOT OF SACRIFICE AND I REMEMBER HIM LIVING IN THESE HOMES GROWING UP. WHILE TO SOME THESE MAY BE A UGLY HOME BUT TO ME ITS A SENTIMENTAL VALUE, THAT HAS NO PRICE.

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 2021-04-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
At the request in writing from the XXXX XXXX XXXX, Legal Unit, XXXX, I wired {$30000.00} to a XXXX  XXXX  XXXX  account at Capital One bank on XX/XX/XXXX. The XXXX XXXX XXXX discoverer on XX/XX/XXXX 4 days later, that the account they gave me at Capital One bank was the wrong account, and requested I recall the funds back to my bank, XXXX XXXX XXXX XXXX. 

On XX/XX/XXXX I received a letter from the person ( XXXX ) who received the wired {$30000.00} that the funds were received in her account and she did not know the sender and she will request Capital One to send the funds back to my bank,. On XX/XX/XXXX I contacted my attorney XXXX XXXX who sent a Letter to Capital One Bank and their customer XXXX  and again on XX/XX/XXXX my attorney sent a second demand letter to Capital One bank demanding a response and as of today XXXX, Capital One bank has not responded to either of our legal letters, nor have I received my {$30000.00}, XXXX back. The XXXX XXXX XXXX has contacted the FBI regarding the {$30000.00} issue and I would like Capital One Bank to respond to my attorney demand letters regarding what happened to the {$30000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am XXXX XXXX XXXX, and I am writing this for myself and there is no third party involved over a few months ago I sent in my dispute letters and I have yet to hear anything from them. I understand that by law they were given 60 days to respond and I have yet to her anything from them and in return I need those items deleted because I never gave anyone the consent to procure any report pursuant to 15 USC 1681b ( 2 ) which is a violation of my consumer rights

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: IL

Complaint narrative:
We paid are lease off and paid the buyout for the vehicle and have called several times so we can get the odometer statement and tax document for il so we can get the title each time they said they will both fax them and mail them and I still have recieved nothing

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 2021-04-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CO

Complaint narrative:
We refinanced our loan in the spring of XXXX. Our original loan was with XXXX and was sold to ShellPoint Mortgage Services. Our loan was paid for through XXXX of XXXX with XXXX. My first bill from ShellPoint came on XX/XX/XXXX with a due date of XX/XX/XXXX. I was told that I would not have a XXXX payment when I called initially on the purchase of the loan, but still received this bill. We paid this bill on XX/XX/XXXX and then paid again on XX/XX/XXXX for an additional 2 months of loans. We also paid in XXXX. I have talked now to 4 different representatives of this company and I get a different story everytime I speak with them. They keep telling me that I am a month behind in payments, but I have paid 4 monthly amounts and received 4 bills, so there is no possible way that I am behind. I thought I made some progress with the last person that I spoke with, but she called me the next day to tell me that I owed for XXXX because they didnt get paid by XXXX. I just need to talk with someone that is competent so that we can get this accounting system error resolved. When the person called me back, I requested to speak with her supervisor in which she transfered me a a voice mail that was not set up and I could not reach anyone live.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I sent notice to all the bureaus that i am a victim of identity theft

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 2021-04-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Ive sent disputes last XXXX regarding those unknown and inaccurate accounts Ive found on my credit report. It's almost 30 days now but I haven't received any response yet. I demand to DELETE ASAP those accounts or I will file 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
Consumer complaint received 2021-04-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: IL

Complaint narrative:
I have checked my XXXX credit score and saw a significant drop due to an unrecognized amount of debt collection. 

LAW OFFICES MBA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone XXXX XXXX XXXX Due to an unrecognized bill come from XXXX XXXX XXXX XXXX XXXX ''. 

I have never been to this place and when I called the " Law Office '' the woman took my SSN and told me I owe the amount of {$1300.00} and hang up the phone without any more information. 

I am afraid of a general identity theft by this Office and in general.

Company response to consumer: Closed with non-monetary relief