vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-24 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: TN

Complaint narrative:
. I am writing this due to non-compliance with the ( XXXX, XXXX, Transunion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
School Closing Outstanding Loans was mailed discharge paper but was not granted removal from credit report

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 2019-08-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ORG GC GP BUYER, LLC
State: MA

Complaint narrative:
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.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
on or about XX/XX/2019 Capital one failure to take reasonable steps to secure its network led to a data breach, Capital One was reckless and completely disregarded the rights of Mr.XXXX by failing to implement and maintain adequate data security measures and therefore exposed information to criminals for misuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My son ( who has a joint account with me ), unknowingly deposited a fraudulent check for {$2700.00} into his account on XXXX XXXX for the sale of a bicycle for which he was asking {$700.00}. The person who sent him the check asked him to electronically transfer a portion to them ( {$2000.00} ) to a QuickPay with XXXX payment to " XXXX XXXX XXXX ''. The bank made the funds available to my son right away ; even though it was significantly more money than had ever been in the account and the check was a personal out of state check. My son believed that he confirmed the check had cleared by seeing that the funds were available in the account prior to transferring money the following day ( XXXX XXXX ). A few days after the funds had been electronically transferred ( XXXX XXXX ), the check bounced as having been from a non-existent account. 
We filed a complaint with the bank ECW # XXXX and the bank has claimed that because it is a joint account, and I have a long standing relationship with the bank the funds were made available right away. They also said that there are many criteria that determine when funds are made available, but didn't share those criteria with me. 
The same bank wouldn't give my son a credit card ( with only a {$500.00} credit limit ). When I stated that this was a much bigger loan, that we didn't even ask for, the bank said " this wasn't a loan ''. 
We ( my son and I ) have filed a police report with the local police and filed a report with the FBI online.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24 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: CA

Complaint narrative:
I forwarded a letter to Transunion XX/XX/XXXX. I ask to verify compliance with their reporting due to inaccurate items being reported on my credit report. 
Their investigation concluded that the items were factual and remained on my credit report. They also are reporting an address I never resided at and a number of my ex girlfriend on my report. 
The item : XXXX XXXX XXXX # XXXX is being reporting inaccurately stating that it was a charge off in XX/XX/XXXX. It also states that in was included in a bankruptcy XXXX and date closed being XX/XX/XXXX and in remarks that it was purchased by another lender which all contradicts themselves. The pay status, closed date, and remarks are inaccurate. 
The item : XXXX  # XXXX is being reported inaccurately stating that it was closed XX/XX/XXXX. Also this account states in remarks Chapter XXXX bankruptcy in the same year as the above account comes off the report 3 months prior to the account above. Two different Bankruptcies reporting in the same! Dated closed is inaccurate. The pay status states included in bankruptcy as well. The pay status, date closed and remarks are all inaccurate. 
I also included a copy of my letter I sent to Transunion on XX/XX/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 2019-08-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Mobiloans, LLC
State: FL

Complaint narrative:
Requesting my account to be closed due to MLA. Company says I opened the account XX/XX/XXXX so Im not covered. I filled out a new application in XX/XX/XXXX and I received funds XX/XX/XXXX. I checked the box that asked if I was in the military. I also at the time didnt know anything about Military Lending Act but the company was aware of the MLA. They were supposed to deny my application but they didnt. Once I was aware of this later on down the road I reached out to the MobiLoans support team. I was told I was still responsible for the loan and the fees and the Military Lending Act did not cover me. After doing more research Im not responsible for the exaggerated  fees and APR. Im requesting my account to be closed due to the violation of the Military Lending Law.

Company response to consumer: Untimely response
Consumer complaint received 2019-08-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
My original mortgage was through Americas Wholesale Lenders a subsidiary of Countrywide Home Loans and was a predatory loan. I purchased my home in XX/XX/XXXX with a jumbo loan from for {$610000.00} with XXXX down and 100 % financing on a 30 year ARM with a 8.5 % interest rate on a first and second mortgage.Bank of America acquired Countrywide. I initially fell behind on payments when I was displaced from my XXXX job in XXXX as my position was eliminated as a reduction in force. I was forced to file bankruptcy in XXXX. After my discharge, Bank of America offered a loan modification instead of foreclosure. I submitted multiple packages for the next two years yet they never actually modified the loan. Shortly, thereafter Bank of America was made to settle on these loans they acquired. I was included in the class action and received several payments including the loans being forgiven. Bank of America forgave the loans. I received a letter from ReconTrust stating the loan was satisfied which I verified with Bank of America. I didn't have any more contact with Bank of America. Six years later XXXX XXXX XXXX XXXX XXXX uses a fraudulent notary document to assign the deed so they can try to foreclose. XXXX XXXX XXXX XXXX XXXX is a subsidiary of Bank of America. The notary on the document XXXX XXXX is a suspected robo-signer on several websites helping Bank of America to illegally foreclose on home loans. He is currently incarcerated for fraud, and the notary itself does not exist. I have the certificate of non fact filing from XXXX XXXX County Recorder of Deeds. I have written to DC Recorder of Deeds several times and never got a response. I have spoken with several representatives at DC Recorder of Deeds and their position is that if the document is notarized and " looks '' legitimate it is accepted. They have stated to me that they do not verify the authenticity of the documents or their validity. I asked would they reverse the filing and was told a resounding No. XXXX XXXX XXXX XXXX XXXX is attempting to foreclose on my home due to a predatory loan. They took money from me after I filed bankruptcy to do a Trial Payment Plan only to move forward with a foreclosure sale anyway which violates bankruptcy laws. They stated that my income isn't enough to qualify for a modification but the loan was predatory in nature and was more than I could afford from the beginning and they knew it.

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 2019-08-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX was the Broker on this refinance. United Wholesale Mortgage was the lender. The lender failed to submit corrected documents to be signed and failed to submit the amount that was promised in my escrow account. This caused me to be short XXXX. I was to skip my XXXX and XXXX payments for 2019. I was to receive {$8000.00} from my escrow account. The updated documents would have prevented all of this confusion. The Broker asked for these items but the lender failed to provide them. XXXX XXXX XXXX  XXXX XXXX and the FDIC both agree that this situation was caused by the lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24 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: FL

Complaint narrative:
I have several accounts on my crefit report that are being reported inaccurate and I have sent the crefit bureaus proof and they still havent updated or removed the accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have reached out to the credit bureaus about these debts they have put on my credit file. This has been a long road. When ever  I apply for anything I am never approved because for some reason I believe me and someone has the same social. Its extremely frustrating. I just would like all this inaccurate information removed

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 2019-08-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: MO

Complaint narrative:
This company CREDIT COLLECTION SERV which i have NO CONTRACT with is Reporting on my credit reports fraudulently. * Were you named on the original contract with the original creditor? * If not, do you have a contract between your company and me, signed by both parties? * If not, produce the document authorizing the release of my information from the original creditor to you ( Power of Attorney ), signed by me. It is against the law for a creditor to share your information to any party other than the account holder without their authorization. Giving my information to a 3rd party without my knowledge or consent is perpetrating identity theft, * Do you have first hand knowledge about everything that has transpired with the alleged account, including when the account allegedly belonged to the original creditor and any other parties prior to your acquisition? * Do you have written consent to collect information about me and to share information about me with the credit reporting agencies - in writing, signed by me? Verification is a sworn testimony so you should also be responding in that format. Validation is the documentation backing up your testimony. One without the other is hearsay and inadmissible.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Choice Recovery, Inc.
State: MO

Complaint narrative:
This company CHOICE RECOVERY which i have NO CONTRACT with is Reporting on my credit reports fraudulently. * Were you named on the original contract with the original creditor? * If not, do you have a contract between your company and me, signed by both parties? * If not, produce the document authorizing the release of my information from the original creditor to you ( Power of Attorney ), signed by me. It is against the law for a creditor to share your information to any party other than the account holder without their authorization. Giving my information to a 3rd party without my knowledge or consent is perpetrating identity theft, * Do you have first hand knowledge about everything that has transpired with the alleged account, including when the account allegedly belonged to the original creditor and any other parties prior to your acquisition? * Do you have written consent to collect information about me and to share information about me with the credit reporting agencies - in writing, signed by me? Verification is a sworn testimony so you should also be responding in that format. Validation is the documentation backing up your testimony. One without the other is hearsay and inadmissible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Account Resolution Corporation
State: MO

Complaint narrative:
This company ACCOUNT RESOLUTION CORP which i have NO CONTRACT with is Reporting on my credit reports fraudulently. * Were you named on the original contract with the original creditor? * If not, do you have a contract between your company and me, signed by both parties? * If not, produce the document authorizing the release of my information from the original creditor to you ( Power of Attorney ), signed by me. It is against the law for a creditor to share your information to any party other than the account holder without their authorization. Giving my information to a 3rd party without my knowledge or consent is  perpetrating identity theft, * Do you have first hand knowledge about everything that has transpired with the alleged account, including when the account allegedly belonged to the original creditor and any other parties prior to your acquisition? * Do you have written consent to collect information about me and to share information about me with the credit reporting agencies - in writing, signed by me? Verification is a sworn testimony so you should also be responding in that format. Validation is the documentation backing up your testimony. One without the other is hearsay and inadmissible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: MoneyLion Inc.
State: CA

Complaint narrative:
In XX/XX/XXXX MoneyLion was offering a bonus of up to {$590.00} as part of their pave the wage campaign to highlight pay inequality between genders. To receive the bonus you need to : 1. Join MoneyLion 2. Set up a direct deposit of $ 500+ 3. Opt in to bonus 4. Maintain direct deposit for 90 days to get  bonus So, I opened an account with MoneyLion ( offered through XXXX XXXX XXXX, XXXX XXXX, Iowa ) and met all the requirements ( MoneyLion representative enrolled me into the offer over the phone ), but didn't receive a bonus. XX/XX/XXXX I contacted MoneyLion support regarding this issue. I was told it will be resolved in 3-5 business days, but no one actually did anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
XX/XX/XXXX/XX/XX/XXXX XXXX XXXX sold the debt to XXXX and I had a contract of 12 payments XXXX a month or pay off the balance before the 12 months. I finished paying XXXX   XX/XX/2019. And now XXXX XXXX just sold the debt to Midland credit again. How is these even legal? My balance XXXX. Settled. Credit file show s I owe {$2900.00}. How could they sell the debt two times? Two different companies how is this legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
My account was originally with XXXX XXXX XXXX. My credit card info was stolen and someone charged hundreds of dollars from a hotel company in XXXX on XXXX XXXX of XX/XX/2018. The credit card company refused to take it off after multiple attempts and closed the account due to it being over the credit limit by an extreme amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX To whom It May Concern : I obtain a copy of my credit file and found some errors. Please remove this from my credit file : 1.  Company Name : XXXX XXXX Date : XX/XX/2019 Amount : XXXX Date : XX/XX/2019 Amount : XXXX Date : XX/XX/2019 Amount : XXXX Date : XX/XX/2019 Amount : XXXX Date : XX/XX/2019 Amount : XXXX Please validate by baring my signature

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I can't get into my account to make payments. When I log into my account it comes to a page that says " Error : We're sorry - an error occurred. Please come back later and try again. '' This has been happening for 2 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24 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: MS

Complaint narrative:
On XX/XX/XXXX I opened an unsecured loan with a local financial institution. The loan was paid off XX/XX/XXXX and the credit bureau ( Equifax ), is still reporting the account not paid, and, or still open as of today 's date. I have contacted the financial institution, the representative said the account was reported in XX/XX/XXXX and being paid off and closed, but the credit bureau still has not changed the account status, thus hurting my FICO score. 
I have initiated a complaint with the CFPB to no avail. Something needs to be done cause I am victim of identity theft and I am also a victim of the Equifax Data Breach of XX/XX/XXXX. My  next step is to file a cause of action in the appropriate court ( s ) for relief against " ALL '' " entities '' involved for not doing their jobs in investigating my ligitimate complaint ( s ), filed in accordance with FCRA, and The FTC. I have included screenshots of the item in question from the credit bureau itself. ( See attachments ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XX/XX/XXXX/XX/XX/XXXX capital one sold the debt to XXXX and I had a contract of 12 payments XXXX a month or pay off the balance before the 12 months. I finished paying XXXX   XX/XX/XXXX. And now capital one just sold the debt to XXXX XXXX   again. How is these even legal? My balance XXXX. Settled. Credit file show s I owe {$2900.00}. How could they sell the debt two times? Two different companies how is this legal?

Company response to consumer: Closed with explanation