vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-25 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: FL

Complaint narrative:
DURING THE YEAR 2017, I REALIZED THAT I WAS A VICTIM OF IDENTITY THEFT WHEN I HAD MY CREDIT REPORT PULLED IN SEARCH OF PURCHASING A HOME WHEN THE AGENT WAS GOING THROUGH THE REPORT IN DETAIL ASKING MY ABOUT CERTAIN ACCOUNTS UNDER MY NAME. I WAS SHOCKED TO SEE THAT I WAS ACTUALLY A VICTIM, AS I HAVE ONLY HEARD PEOPLE TALKING ABOUT IDENTITY THEFT BUT NEVER KNEW WHAT IT WAS. 
I was advised by this agent to seek legal advice to have my name cleared from these fraud accounts. Since 2017, on numerous occasions almost every month, I have filed disputes after disputes to XXXX XXXX and Transunion Credit Agencies, seeking to remove these fraud account from under my name. Till Today, I am still doing so, and I was advised recently to file a complaint with CFBP to assist in the process of removing these fraud accounts which are affecting my to accomplish my goals. 
1. XXXX XXXX {$17000.00}. with TRANSUNION 2. XXXX XXXX XXXX {$6000.00}. with XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX {$4000.00}. with XXXX I WOULD APPRECIATE YOUR HELP TO HAVE MY NAME CLEARED AND THESE FRAUD ACCOUNTS REMOVED FROM UNDER MY NAME.

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 2020-08-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: VA

Complaint narrative:
On XX/XX/XXXX, I contacted CAINE WEINER ( collection agency ), regarding an inaccurate item on my credit report. I noticed I had an item being report as a collection item from XXXX. I immediately contacted Caine Weiner ( collection agency ), they stated I had an unpaid balance of {$360.00} that was owed back in XXXX. I made it very clear to them I never had XXXX XXXX for any of my vehicles all my vehicles were insured by different insurance provider. I asked for Validation of this debt a contract signed by me, a copy of my id, and a copy of my ssn as validation. They stated I would have to contact them by mail to obtain a copy of the documents. As instructed by one of their reps I sent in a letter asking for a contract signed by me, a copy of my ID, and ssn. In turn they sent me an invoice showing the balance I owed. I called them stating I received an invoice and not any of the documents I required to validate the debt was truly mine, I contact XXXX regarding this matter and they stated there was no account found with the account number I provided, I mentioned the debt was collected by a collections agency and if that may be the reason they couldn't pull up my account the rep wasn't sure but stated regardless the fact they should be able to pull up an account, I even provided my ssn and vin number to each vehicle and still NO account found. I than contacted Caine Weiner and informed them that XXXX wasn't able to pull any account what so ever with any of the information I provided, they proceeded to tell me that the debt must be paid to them. This is a complete scam! they can't provide proper documentation to a consumer but they are willing to provide an invoice stating you owe them an unpaid debt. Please remove this inaccurate item from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: OH

Complaint narrative:
I'm was unaware of this account and did not have the opportunity to dispute, please remove from my credit profile as you are in violation of the Fair Credit Act. In addition, please provide the following : Assignment of debt Method of Verification Validation of Debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-25 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TCF NATIONAL BANK
State: PA

Complaint narrative:
Hello, On or about XX/XX/2020 an automatic/recurring payment triggered, transferring {$500.00} from our joint checking account directly to TCF Bank. At the time, we only owed a small amount of interest in the amount of {$34.00}. This resulted in an over-payment of {$460.00}, which is owed back to us, the borrowers. 

I called TCF and explained the issue and was told that a check was being issued to us for the overage. The check never arrived and upon calling a second time, I was told that we had to wait 90 days to receive a newly issued check due to " company policy. '' I explained how this was unfair and that the bank would not similarly allow us the borrowers to miss a payment obligation for three months without charging interest or fees. I asked that the issue be escalated and I was told that I would receive a call back ( I never did ). 

Yesterday ( XX/XX/2020 ), I called back to yet again inquire about the funds owed to us. After waiting on hold for 42 minutes, the customer service rep could not locate any of these prior discussions in their system and had to connect with a back office function ( I assume Accounts Payable ). I was told that I would receive a call back within 24 hours once they accessed an old system. I have not received a call as of the time of this CFPB complaint. 

I will soon be closing out this HELOC entirely, in large part due to this experience. I want to make sure that I receive the money owed before that happens. It's been over three months since this occurred and it's particularly egregious to withhold close to {$500.00} given world events and the economy. 

The attached statement shows that we had no principal balance and a " principal adjustment '' of + {$460.00}. 

Thanks for your consideration and assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-25 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: MD

Complaint narrative:
Due to COVID-19 and despite being laid off I have been doing my best to pay off bills that were on my credit report. I worked with the actual creditors regarding pay off and then sent the letters indicating the accounts have been paid off and the balance is XXXX as apart of a settlement. I have sent the information to Equifax, XXXX, and XXXX however the information still remains that I have balances on the paid off accounts. 

Equifax ( these accts are all paid off ) : XXXX XXXX ( # XXXX & XXXX ), XXXX XXXX XXXX XXXX, & XXXX ) XXXX ( # XXXX ), XXXX for {$150.00} ( I am unfamiliar with this account and asked for reinvestigation but no response ). XXXX XXXX on ( XXXX paid off medical acct that should have been deleted after 180 according to law ). XXXX : ( XXXXThe statute of limitations applicable to actions for back rent under residential leases is three years pursuant to Maryland Code. This is to be deleted from my credit ). 

TransUnion : XXXX XXXX ( paid off with XXXX balance # XXXX ), XXXX : ( XXXXThe statute of limitations applicable to actions for back rent under residential leases is three years pursuant to Maryland XXXX. This is to be deleted from my credit ). XXXX XXXX XXXX ( XXXX paid off XXXX insurance for {$120.00} ). 

XXXX ( These accts are all paid off with a XXXX balance however still showing I owe monies : XXXX XXXX ( XXXX, XXXX, & XXXX ), XXXX XXXX XXXX XXXX ( # XXXX & XXXX ), XXXX : ( XXXXThe statute of limitations applicable to actions for back rent under residential leases is three years pursuant to Maryland Code. This is to be deleted from my credit ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
This concerns Bank of America for primary property. 

Bank took XXXX XXXX payment from my funding account. Then on XX/XX/31, bank indicates a returned payment ( although the money came from my funding account ) fee of {$40.00}, plus a late charge of {$200.00}. In addition, now on XXXX statement, bank indicates I am a month past due on mortgage payment, although all payments have been made. 

Bank also has a series of {$12.00} unexplained payment processing charges going back several months. 

I am unable to get through to anyone at the bank. Have talked twice to " social media staff ' who have been unable to tell me anything.

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 2020-08-25 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: NC

Complaint narrative:
My credit score is in the XXXX XXXX. I charge something on my Capital One card every month, and pay it off every month, as I should. Over eight years my credit limit has increased up to {$12000.00} - wonderful, I worked hard to get that card from a {$300.00} limit up to {$12000.00}. Now, they lower my limit to just {$5000.00} because " I don't need that much. '' I have another Capital One card, with a better interest rate. I charge thousands and thousands on that card, and pay it off every single month. I have asked numerous times for a better interest rate on this card in question, they continue to deny it. That is why I do not use this card as much. 

Literally, decreased my credit score almost immediately with the loss of {$7700.00} available credit. I have never paid a single dime of interest on this card - because I pay it off every single month - and this is how I am treated? 

I called them and they said they have had lots of complaints but there is nothing they can do about it. I update my income with them every few months, voluntarily might I add. My income has not changed during COVID, if anything it increased now. There is no reason to punish me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Trident Asset Management, L.L.C.
State: OH

Complaint narrative:
I'm was unaware of this account ( Trident Asset Manageme #  XXXX ) and did not have the opportunity to dispute, please remove from my credit profile as you are in violation of the Fair Credit Act. In addition, please provide the following : Assignment of debt Method of Verification Validation of Debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 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: CT

Complaint narrative:
I have student loans which have been in default but for the past 3 to 4 years the monies have been coming directly out of my paycheck. And when the CARES Act was initiated, the company I work for suspended payment to the company named XXXX XXXX. I am trying to move into an apartment and I was denied then I looked at my credit score and it had tanked tremendously. I did file a dispute with XXXX   but I was not sure if I should do the same with the other credit bureaus. I was told by XXXX that it would look like non-payments because there were no payments made. So I asked what about the CARES Act and was told that it did not apply to defaulted loans. But when looking at your site I read the following. ( From your site ) If your federal student loan is already in default, The CARES Act requires the Department of Education to stop the collection of defaulted federal student loans, including garnishment of wages and the offset of tax refunds and Social Security benefits, through XX/XX/2020. * There is no additional action required from you for your federally- owned loans. For all other defaulted federal loans, contact your loan holder to find out about your options. 

If you are rehabilitating a defaulted student loan, any missed payments through XX/XX/2020, * due to the coronavirus pandemic will not be considered a missed payment against your rehabilitation. 

Can you help me in this matter. I just want my credit score to be reflected that the payments are being paid or stopped due to COVID 19. 

Thank you for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ad Astra Recovery Services Inc
State: OH

Complaint narrative:
I'm was unaware of this account ( AD ASTRA RECOVERY SERV # XXXX ) and did not have the opportunity to dispute, please remove from my credit profile as you are in violation of the Fair Credit Act. In addition, please provide the following : Assignment of debt Method of Verification Validation of Debt

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. 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 2020-08-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
Refusing to remove collections in compliance with the Texas Financial Code Sec. 392.101 after failing to validate debt within 30 day of mailed request On XX/XX/20 National Credit Adjuster received that I sent a debt validation letter that was sent via certified mail by me on XX/XX/20. The debt validation letter requested that the collection agency provide me with the required information for debt collection in Texas based on the Texas Financial Code. The agency failed to respond to the request as required within 30 days in ordinance with the Texas Financial Code by Sec. 392.101. I called NCA on XX/XX/20 multiple times seeking a removal for failing to respond resolution and spoke to an male agent who told me that regardless of them not providing information under no circumstances would the collection be deleted. I called back and another agent named XXXX who told me good luck with getting it removed as they were not going to. I called back several times more and was supposedly transferred to an escalation department but the call was ultimately hung up each time transfered. The Texas Financial Code Sec. 392.101 requires debt collections to provide the following  information to validate debt : The name and address of the original creditor * The original date of default or non-payment of the debt with original creditor *The date the debt was transferred from the original creditor to the third party debt collector An authorized agreement that shows obligation for any interest, charges, fees or expense incidental *The original balance *The current balance * Any fees added by your agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 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: FL

Complaint narrative:
DURING THE YEAR XXXX, I REALIZED THAT I WAS A VICTIM OF IDENTITY THEFT WHEN I HAD MY CREDIT REPORT PULLED IN SEARCH OF PURCHASING A HOME WHEN THE AGENT WAS GOING THROUGH THE REPORT IN DETAIL ASKING MY ABOUT CERTAIN ACCOUNTS UNDER MY NAME. I WAS SHOCKED TO SEE THAT I WAS ACTUALLY A VICTIM, AS I HAVE ONLY HEARD PEOPLE TALKING ABOUT IDENTITY THEFT BUT NEVER KNEW WHAT IT WAS. 
I was advised by this agent to seek legal advice to have my name cleared from these fraud accounts. Since XXXX, on numerous occasions almost every month, I have filed disputes after disputes to Equifax, XXXX  and XXXX  Credit Agencies, seeking to remove these fraud account from under my name. Till Today, I am still doing so, and I was advised recently to file a complaint with CFBP to assist in the process of removing these fraud accounts which are affecting my to accomplish my goals. 
1. XXXX XXXX {$17000.00}. with XXXX  2.  XXXX  XXXX XXXX {$6000.00}. with XXXX & EQUIFAX 3. XXXX XXXX XXXX XXXXXXXX {$4000.00}. with XXXX I WOULD APPRECIATE YOUR HELP TO HAVE MY NAME CLEARED AND THESE FRAUD ACCOUNTS REMOVED FROM UNDER MY NAME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
DURING THE YEAR XXXX, I REALIZED THAT I WAS A VICTIM OF IDENTITY THEFT WHEN I HAD MY CREDIT REPORT PULLED IN SEARCH OF PURCHASING A HOME WHEN THE AGENT WAS GOING THROUGH THE REPORT IN DETAIL ASKING MY ABOUT CERTAIN ACCOUNTS UNDER MY NAME. I WAS SHOCKED TO SEE THAT I WAS ACTUALLY A VICTIM, AS I HAVE ONLY HEARD PEOPLE TALKING ABOUT IDENTITY THEFT BUT NEVER KNEW WHAT IT WAS. 
I was advised by this agent to seek legal advice to have my name cleared from these fraud accounts. Since XXXX, on numerous occasions almost every month, I have filed disputes after disputes to XXXX, Experian and XXXX Credit Agencies, seeking to remove these fraud account from under my name. Till Today, I am still doing so, and I was advised recently to file a complaint with CFBP to assist in the process of removing these fraud accounts which are affecting my to accomplish my goals. 
1. XXXX XXXX {$17000.00}. with XXXX 2.  XXXX  XXXX XXXX {$6000.00}. with EXPERIAN & XXXX 3. XXXX XXXX XXXX XXXXXXXX {$4000.00}. with EXPERIAN I WOULD APPRECIATE YOUR HELP TO HAVE MY NAME CLEARED AND THESE FRAUD ACCOUNTS REMOVED FROM UNDER MY NAME.

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 2020-08-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I have a Visa Card issued by Bank Of America. I recently noticed they are charging my balance with the highest interest rate for Cash Advances. The problem is I have never made a Cash Advance on this card. I called the bank and they looked back of charges for the past 7 years and didn't find any but since they can't go back any further basically said " too bad '' Just out of curiosity, looked at another statement from this bank and they are doing it on this one too. Again, I have never made a cash advance on any card in my life! Thanks for any help you can give me. XX/XX/2020, charging cash advance interest on purchases {$8000.00}

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 2020-08-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: MD

Complaint narrative:
Received two notices of attempts to collect a debt, which are not associated with any accounts that I have opened. Attempted to contact Radius Global Solutions LLC and did not receive any information to contact them aside from a fax number. Furnished documents regarding the possibility of an incidence of identity theft. Received no response after attempting to report this on XX/XX/2020 to Radius. Received notices on XX/XX/2020 from Radius.

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 2020-08-25 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: CA

Complaint narrative:
Equifax ; XXXX and XXXX are not researching and properly reporting that the following accounts listed are in fact in dispute. These accounts are : XXXX XXXX partial account number XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX - XXXX ; XXXX - XXXX ; and XXXX - XXXX. ( Please see attached pages from my credit report. ) All of the accounts listed above are reporting account not disputed on my credit report. I have requested multiple times that these accounts be investigated and put in dispute. This is a violation of the Fair Credit Reporting Act. Under the FCRA I have the right to dispute incomplete and inaccurate information on my credit report. The bureaus are not following through on my requests. I have contacted the bureaus to properly review and dispute these accounts however, I have not been successful. Please report that these accounts are in fact in dispute.

Company response to consumer: Closed with explanation