vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-26 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: GA

Complaint narrative:
I recently sent letters over about 60 days ago to this bureau and they are disregarding a regular consumer dispute. I'm stressed and have been sending letters before this and still no response.

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 2020-08-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 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: CA

Complaint narrative:
My Experian credit report is showing 2 separate collections accounts for the same thing. I have a past due account with XXXX/XXXX and they sold the debt to a third party collections agency, XXXX XXXX XXXX XXXX. However both are reporting the same thing on my report and it looks like I owe 2 separate debts which would double what I actually owe. I believe this is called double jeopardy. Please have one item removed and the company that actually owns the debt can remain and report it until it is taken care of.

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 2020-08-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: WV

Complaint narrative:
My wife and I submitted an application to refinance our existing home mortgage with Navy Federal on XX/XX/2020. We have been in communication with Navy Federal for 5 months and they still cant give us a closing date and in the meantime they are collecting interest payments from us for our existing mortgage with them at a higher interest rate. During the last 2 months Navy Federal representatives contact us to ask us if we have any questions and state that they will escalate the matter to a supervisor and no one contacts us to respond to our questions including a closing date. We only get contacted by the same person asking if we have any questions. We have tried calling and sending emails.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I Sent in a Equity Letter exercising my Equity ASKING FOR THE " original instrument of indebtedness in its original form. '' which XXXX XXXX has failed to provide! This documentation DOES NOT!! HAVE MY Social Security Number Or Date of birth on it so how could they say THIS IS MY DEBT? 

I'M ALSO A VICTIM OF IDENTITY FRAUD. THIS IS NOT MY DEBT! This is a direct violation Of the FCRA and the FDCP Act.

This is : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act FCRA Section 623 CUSHMAN v. XXXX XXXX XXXX. US Court of Appeals for the Third Circuit Court case 115 F. 3rd 220 XX/XX/1997, Filed ( D.C. No. 95-cv-01743 ). They refuse to correct information after being provided proof of inaccuracy. 

I've also attached a NOTARY verifying my identity and a bank statement verifying my identity and address.

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 2020-08-26 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: FORD MOTOR CREDIT CO.
State: CA

Complaint narrative:
My FMC lease end agreement was on XX/XX/2020, my purchase appointment date was set for XX/XX/2020, my new Purchase contact payment is scheduled for XX/XX/2020 and my consumer complaint is that FMC reported " 30 day DELINQUENT notices '' for XXXX & XXXX and interns made my FICO drop from XXXX to XXXX and cause the Denial of my home equity line of credit. I have made contact with FMC and they stated that they have reported their error however, when I try to contact XXXX @ XXXX but after 30 tries I had no luck for they have a horrible system so I filed a complaint under report # XXXX which is only for XXXX because they do not allow me to file again which makes absolutely no sense what so ever ... 
My objected for this noticed is to seek help on assuring my credit FICO score of XXXX is return and both XXXX and XXXX delinquencies of 30 days are removed completely from my credit report for FMC should have never reported false delinquencies. No consumer should have to bare this unfair financial reporting for it is truly successful and frustrating. Thank you and I truly appreciate your prompt enforcement in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Duncan Solutions, lnc.
State: VA

Complaint narrative:
I had never received a notice from XXXX XXXX for XXXX   XXXX XXXX for overdue amounts from the expressway that totaled the amount of around {$60.00}. The website is very vague and only shows the initial amount that your account went negative so I could only ever see that my account was - {$.00} or - {$.00}. I would get a notification on my email that my account balance was low ( < {$10.00} ) or below {$0.00}. I would make a payment of $ XXXX and the notification would go away and my account balance would show positive balance and as I would travel the XXXX XXXX I would have all green notifications signaling my account was replenished and the notification emails would stop about the insufficient funds. Somehow over the months of XXXX to XX/XX/2019 I had managed to owe around $ XXXX from unsettled amounts from negative balances not being shown on the website, that weren't being covered by my reimbursements. The problem came in when they were sending the notices to a previous address that I no longer had access to and the mail wasn't being forwarded. Over months I was replenishing my account , drive the XXXX to work using money on my account , drive the toll see a green light after I paid. I had no way of knowing this problem way happening until months late in XXXX when I received a clump of finally forwarded mail from Professional Account Management in XXXX, Wisconsin for a sum totaling over {$1200.00}. I was calling back and forth between XXXX XXXX and XXXX XXXX trying to explain the situation over and over again to just get basic information about how the charges happened, where, getting a basic transcript that didn't even have the information I was asking for to prove what I was telling them. XXXX XXXX  representative had said on one occasion it had looked like the transponder had potentially malfunctioned and sent me a new one. I never could get straight answers about what had caused it but XXXX XXXX XXXX   said that they couldn't help me because they had released it to Professional Account Management, P.A.M said they can only waive debt if it was proven to not be your vehicle. I have been stuck in a circular cycle without hope because I am being threatened with an absurd amount, they tacked on {$35.00} on each charge of {$0.00} for " administration fees '' that blew the total cost to 2000 % over the initial charges. I spent weeks of stressing and calling agents who I would have to re-explain every time and anxiously waiting to hear back. If I had any indication that this was happening or that I had owed {$60.00} on my account I would have paid it. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I sent a letter about 60 days ago and the bureau is not in compliance. They are disregarding a regular consumer dispute. This has me stressed out, having sent letters before this and still no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 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: LA

Complaint narrative:
This is been deleted by transunion twice and is back again with no proof or notice from transunion. The account has the wrong balance wrong birthday It was never validated by proof or shown the ownership from the original creditor I have been shown a bill with the wrong info on it Please show the contract and a contract and receipt of purchase of the debt from the original creditor

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 2020-08-26 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: GA

Complaint narrative:
I sent a letter about 60 days ago and the bureau is not in compliance. They are disregarding a regular consumer dispute. This has me stressed out, having sent letters before this and still no response.

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 2020-08-26 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
i sent experian, XXXX a total of five disputes now, all sent certified mail with receipts. They have failed to do a proper investigation into these accounts. They keep sending me papers saying either " UPDATED '' or " VERIFIED '', i have asked multiple times to send me proof of how they verified these wrongful accounts and they ignore me. per the FCRA they must send me proof of verification including who they talked to when how and documents that support these claims. i have now sent them a last letter telling them i will be seeking legal action if they dont fix these items or show me proof of how they are verifying these accounts, i know they cant be actually verified because these supposed accounts wont even speak to me since my ssn doesn't match any records they have on file. they are now claiming they will not re investigate without any further documentation that supports my case. How am i supposed to send them anything or proof of my case if i never had any accounts with them! i haven't missed any payments on any of my other accounts now my credit is taking a false hit! totally unacceptable.

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 2020-08-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
XX/XX/XXXX Capital One reduced my credit limit ( again ) from {$10000.00} to {$5000.00}. I want the credit limit back to at least {$20000.00}. Capital One has continuously reduced my credit limit from {$30000.00} now to {$5000.00}. This affects my credit score and ability to pay 'large ' sums of money, which may be needed for air travel and hospital or medical bills. Cash in large amounts is not readily available to pay a large bill. ( As is the case for most consumers ). I have a credit score above 800 and have had a credit card with Capital One and no credit/payment issues since XXXX. This measure also affects my credit score, which is unfair, as I have no control of the outcome or what is decided by Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Convergent Resources, Inc.
State: VT

Complaint narrative:
on XX/XX/2020 a person by the name of XXXX from Convergent Outsourcing, Inc. Inc called twice about a debt owed. 

I explained it was my legal right to advise them to stop calling me and as of today i would like all communication and anything they needed from me in writing. 

She proceeded to say " I can't do that I need to verify myself '' and I repeated again to stop calling and to mail me communication. She then proceed to give me attitude about what I just asked for and said " tisk tisk tisk '' like I had done something wrong before just hanging up the phone on me. 

this was at XXXX EASTERN STANDARD TIME

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 2020-08-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
We are having a very difficult time with Bank of America [ BofA ].  XXXX XXXX has been applying for a modification since XX/XX/20. Bank of America keeps asking for the same documents every week. They are now also asking for ridiculous questions on the make this process next to impossible for me to get the the underwriter and get a fair review. 

XXXX XXXX is XXXX years old and retired. She stated her income on the RMA as pension and a small SSI income. Pretty simple. BofA of America has done everything they can to make this process in possible and completely dysfunctional. Its is starting to feel like bank fraud on predatory lender on the elderly. 

On XX/XX/20 XXXX XXXX was requested to explain bank transfers. It was explained on the phone it was simply transferring money to a 2nd account to pay bills. Any processor who can read a bank statement can figure that out. XXXX XXXX was required to send in a letter of explanation. 

On XX/XX/20 XXXX XXXX was required to do more explaining on very basic underwriting. 1st question regarding XXXX XXXX income that no longer exists. The 2nd questions regarding a PERSONAL LOAN Balance forward that is clear and explained on the bank statement if a processor took 30 seconds to read. A letter of explanation was sent  that day. 

On XX/XX/20 BofA is now requiring XXXX XXXX to send a letter of dissolution from XXXX XXXX. This is ridiculous. Last week BofA stated because it is self employment income a LOE with end date would solve the question. Now BofA is saying its not. XXXX XXXX was self employed and only received income if she sold the XXXX XXXX products. We're you're self employed you can stop at any time and no documentation is required. What BofA is asking for does not exist. At XXXX XXXX age she is physically unable to do the job as previously explained. This should resolve the issue and move the file to the underwriter.

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 2020-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: WA

Complaint narrative:
I sent a collection company attempting to collect on an alleged debt a cease and desist letter because they appeared to be an illegitimate company that was not legally and lawfully authorized in my city, in my county, and my state to engage in debt collection. They did prove or  validate to me that they were authorized and licensed to engage in sending me communication regarding alleged debts, nor did they prove or validate the alleged debt to me. I sent them a letter demanding that they cease and desist communication with me on XX/XX/2020, via certified mail usps receipt. On XX/XX/2020 they mailed me 3 letters. 2 of them were essentially formulaic legal statements stating that  they were not going to adhere and follow my cease and desist letter, and the 3rd letter was a letter about demanding payment for an alleged debt. They violated my cease and desist letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I called the XXXX number and followed the prompts to report potential fraud which instead sent me to the General Account Services ( GAS ) department ( later I found out this is in no way the fraud department ) ; this happened every time I called. They put me on hold multiple times to call someone internally in the fraud department who was in charge of investigating my suspicious charges and each time that person didnt answer. The GAS rep didnt give me this fraud investigators contact info bc apparently its against company policy and told me they were likely at lunch ( this was XXXX ) and to call back before XXXX. I did this and received the same response. I called BB & Ts XXXX number 3 times, each time a GAS rep then called the fraud investigator 3-5 times with no response. My local BB & T branch only allows appointment-only walk-ins however when I called them ( standing outside in the rain ) they told me their hands were tied, theres nothing they can do to unfreeze my account or replace the money that was stolen. 

My account has been frozen now for about a week and NOBODY from BB & T has reached out to me yet. Multiple bills have bounced totaling {$350.00} thus far and I have yet to find a way to rectify this BB & T issue. Im right out of medical school with > {$300000.00} in loans living paycheck to paycheck. How am I supposed to pay my loans, utility bills, and credit card? I work >100 hours per week with COVID patients, when am I supposed to find time to reach out to BB & T? I feel as though Ive already gone above and beyond the responsibilities of a consumer ... how long will they sit on this issue? Will it ever get fixed? Am I supposed to pay the {$350.00} in overdraft fees from my lenders?

This has been by far the worst customer service experience Ive ever had. After this is over with I will be closing my BB & T acct that Ive had for >30 years and moving on to another bank.

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