vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-17 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:
To TransUnion Escalation Department : I have contacted the following company reporting to my credit file and according to them, there has been no communication noted from TransUnion regarding these items. Out of an abundance of caution and in accordance with the Fair Credit Reporting Act I request the following : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] paragraph ( 6 ) ( B ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I am CLEARLY requesting the Method of Verification used to contact these furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt : ACCOUNTS XXXX/XXXX  XXXX not mine XXXX  XXXX XXXX XXXX XXXX XXXX not mine Identification already on file. Please send me a complete updated copy of my credit report. Additionally, DO NOT place a fraud alert or promotional block etc. on my file without my expressed permission.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 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: OH

Complaint narrative:
I changed my name on XX/XX/XXXX and Equifax has not yet updated my name ( both XXXX  and XXXX  did this with no interaction on my part ). Over the past two years, I have contacted Equifax at least 15 times - with 8 of those being in the last month. I have provided documentation ( SSN Card, Driver License, Passport ) and Equifax agrees that they have the documentation to make the change - however, the do not make it. Each time I am told it will be fixed immediately - only to find later it was not. I have spend at least 10 hours on the phone with them to no avail. This is impacting my credit report, although my SSN has not changed, Equifax shows that I have no reported credit since XXXX ( which is simply not true ). Most recent disputes were submitted on : XX/XX/XXXX, XXXX, and XX/XX/XXXX. In addition, I have called Equifax muliple times to resolve this issue and spent several hours on the phone. Most recent calls were on XX/XX/XXXX and XX/XX/XXXX - both times I was told issue was corrected immediately and it was not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Vehicle loan or lease — Loan
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: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
I purchased a car in XXXX using Ally Financial as the lender. Due to this being a pandemic, the earliest appointment I could get to register my car with the Secretary of State was XX/XX/XXXX, which shouldn't have been a problem because my temporary tags didn't expire until XX/XX/XXXX. 

I went to the SOS and discovered that my title was invalid. Turns out Ally Financial voided my title and requested a new one, but they won't send it to me to register my car. I've talked to 4 " customer service '' agents and the best they've offered is to send me a letter letting stating that I did purchase the car and hoping that the Secretary of State will accept that in lieu of a title ( unlikely ). However, I haven't been able to test their ridiculous theory because, despite initially telling me I'd get this letter by XX/XX/XXXX, I have not received it. 

So after today, I will be driving around with expired tags due to their negligence.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
During the COVID -19 pandemic I had contacted Capitol-1 cred card company to seek some financial relief on monthly payments. Capitol-1 had worked a payment arrangement plan with me on two accounts ending in XXXX & XXXX. We made our scheduled monthly payments as required. However, the amount due for each payment that they gave us to pay did not meet their threshold of the total amount due and now has impacted my credit as they show consecutive late payments. 

I am trying to obtain a credit union loan and have been denied because of capitol-1 's misinformation. They should make those late payments show as current. This is very misleading tactics. I have removed myself from these accounts and my wife will be closing them today.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I do not pay for credit monitoring with TransUnion anymore. That is not the specific issue. I have tried to close the " shell '' of an account online but it does Not close. Deactivation or reflecting that I can not log in is not sufficient.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: NM

Complaint narrative:
The following accounts has caused me financial ruin. These accounts are an result of identity theft. 



American Express {$1300.00} XXXX XXXX  XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX  {$710.00} XXXX XXXX XXXX {$5700.00} XXXX XXXX XXXX  {$5500.00} XXXX XXXX XXXX   {$710.00} XXXX XXXX XXXX XXXX  {$330.00} XXXX XXXX XXXX XXXX   {$1400.00} XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2020, I purchased a mattress online for {$430.00} and then cancelled the order. On the same day, Chase showed the charge as pending and left it pending for several weeks and then the charge dropped off but it withheld my money during the entire time. Then on XX/XX/XXXX the charge showed up again on my account. I called Chase and told them that I had purchased and cancelled the order over ~ a month ago. They filed a claim to put the {$430.00} back in my account. However, over the next few weeks the charge was added and removed over 5 times. My balance was high, low, high, low. I also have an account where debits are not supposed to be paid but they paid debits and on XX/XX/XXXX sent notice that my account is {$400.00} overdrawn. They deliberately hacked and overdrew my account by having by having my balance go high, low, high low with a bogus charge for an item that I never even purchased or ever received. This went on for for 2 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: KY

Complaint narrative:
XX/XX/2020 Cash app linking to bank account unsuccessfully because the bank or the cash app people have it blocked i have XXXX dollars on my cash app card that needs to be deposited into my bank account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 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: OH

Complaint narrative:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX   XXXX XXXX XXXX, Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 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: OH

Complaint narrative:
During the COVID -19 pandemic I had contacted XXXX cred card company to seek some financial relief on monthly payments. XXXX had worked a payment arrangement plan with me on two accounts ending in XXXX & XXXX. We made our scheduled monthly payments as required. However, the amount due for each payment that they gave us to pay did not meet their threshold of the total amount due and now has impacted my credit as they show consecutive late payments. 

I am trying to obtain a credit union loan and have been denied because of XXXX 's misinformation. They should make those late payments show as current. This is very misleading tactics. I have removed myself from these accounts and my wife will be closing them today.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
My Toyota Financial account shows CLOSED and I am still paying on this account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-17 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WAKEFIELD & ASSOCIATES, INC.
State: IL

Complaint narrative:
On XXXX2016 the ambulance transported me from the ER to the main hospital. I was diagnosed with a XXXX ( XXXX  XXXX ), XXXX XXXX and at last XXXX  ( which was the main reason I went to the ER ) but then they found the XXXX and XXXX XXXX. They admitted me immediately into their main hospital. The ambulance company or hospital miscoded the transport as a non-emergency which should have been coded as emergency. My insurance company does NOT pay for non-emergency transports which leads me to this problem. I had gone back and forth with the ambulance and hospital to have them recode the error but NO ONE took responsibility and haven't heard anything for 4 years so I thought the ambulance company let it go. Now I'm in the process of refinancing and the collections came up for {$1600.00} and now it has restarted up once again. Had they coded this correctly my insurance would have paid their negotiated fee and I would have paid the remainder. But of course that did not happen so now they want the entire {$1600.00} transport fee. NOT FAIR, I feel as I have been scammed. I have seen this on XXXX  XXXX news where ambulance companies deliberately miscode knowing the insurance companies do not pay for non-emergency transports. I have been done a great injustice. I am a recent widow and raising a teenage granddaughter. This is a large amount and the collector will not work with me they of course want the whole amount. There is no negotiation with them. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Bank of America had fraudulent debits to my account last year and reversed all the disputed transactions and also closed my checking account and opened a new one. This involved a lot of inconvenience and till date have not shared with me any root cause of the issue. Today I noticed a debit of {$10.00} created a company called XXXX out of XXXX XXXX. They have created a recurring debit. There is no way this happened due to my fault as I dont use Bank of America debit cards nor do I store it anywhere. So I am concerned that BofAs internal processes are weak and this is leading to compromising my account. Pl investigate and ensure that they invest in proper infrastructure/ systems to fix this thanks

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 2020-07-17 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: OH

Complaint narrative:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX   XXXX XXXX XXXX, Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-07-17 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:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX   XXXX XXXX XXXX, Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-07-17 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: IL

Complaint narrative:
On XX/XX/XXXX I attempted to lift a security freeze with Equifax so that I could switch to a different cellular carrier. I did this through their automated system which stated the freeze was lifted but when trying to run a check through Equifax the report still came back as frozen. 

Over a three hour period I talked with three agents none of whom were able to resolve the issue and when I asked to be transferred to a supervisor I was disconnected. This morning ( XX/XX/XXXX ) I again tried to go through equifax and the agent was unable to resolve the issue and stated that no supervisor was available and the only way to contact a supervisor would be to start the entire process of getting through their automated system to an agent ( which takes 10 to 15 minutes ) and then getting the agent to check whether there is a supervisor. 

I tried to check the credit report again this morning and it still shows as frozen when checking via any external site so Equifax states that the freeze is lifted internally however when a query is made from an external firm it still states it is frozen. It has been nearly 24 hours since I started this process and Equifax has provided no means to resolution. I placed the freeze in place originally because of the Equifax breach and now I simply want to release it for a short time or even permanently at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
The following accounts has caused me financial ruin. These accounts are an result of identity theft. 



XXXX XXXX {$1300.00} XXXX XXXX  XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX  {$710.00} XXXX XXXX XXXX {$5700.00} XXXX XXXX XXXX  {$5500.00} XXXX XXXX XXXX   {$710.00} XXXX XXXX XXXX XXXX  {$330.00} XXXX XXXX XXXX XXXX   {$1400.00} 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 2020-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM

Complaint narrative:
The following accounts has caused me financial ruin. These accounts are an result of identity theft. 



XXXX XXXX {$1300.00} XXXX Bank Of America {$1500.00} XXXX XXXX XXXX XXXX {$710.00} XXXX XXXX XXXX {$5700.00} XXXX XXXX XXXX  {$5500.00} XXXX XXXX XXXX   {$710.00} XXXX XXXX XXXX XXXX  {$330.00} XXXX XXXX XXXX XXXX   {$1400.00} 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 2020-07-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
This is a continuation of complaint XXXX. Please see attached information showing proof of payment history. Mortgage company is claiming a payment has been missed. There has been not effective information provided by Mortgage company and the date of their claimed missed payment has changed multiple times. Would appreciate if CFPB can get Mortgage company to close their claim based on attached supporting information. Until this is closed, there claims can only be seen as harassment. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
The following accounts has caused me financial ruin. These accounts are an result of identity theft. 



XXXX XXXX {$1300.00} XXXX XXXX  XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX  {$710.00} XXXX XXXX XXXX {$5700.00} XXXX XXXX XXXX {$5500.00} XXXX XXXX XXXX   {$710.00} XXXX XXXX XXXX XXXX  {$330.00} XXXX XXXX XXXX XXXX   {$1400.00} 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 2020-07-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: WV

Complaint narrative:
Discover Credit Card took an unauthorized XXXX dollars out of my bank account. I asked the to just take out XXXX dollars automatically. Instead and without my knowledge or approval they instead took out XXXX on XXXX.20. I contacted them twice and both times they could not read policy or give me policy explaining that they were legally able to take money without my authority. They reported that they would do nothing to help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Jim Bottin Enterprises, Inc
State: MA

Complaint narrative:
I can cancelled my gym membership with a company I wasnt satisfied with. So they would harass me in phone calls daily to the point I had to block the number since I was receiving 5+ call from abc finance.  They were claiming I owed them money and that if I didnt pay it they would send it to collections. I never once received any bills from to pay anything and I never received a bill that it was sent to collections. Now the company wont communicate with me what is going on and I have yet to receive a paper to settle with them. Plus I cant find anything that I owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: PNC Bank N.A.
State: GA

Complaint narrative:
PNC will not link accounts to apps such as XXXX and XXXX.

Company response to consumer: Closed with explanation