vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Advanced Resolution Services Inc.
State: OK

Complaint narrative:
OnXX/XX/XXXX I mailed a letter to Advanced Resolution Services ( ARS ) requesting a Security Freeze and informing them that I could be a victim of identity theft. I attached all required documents in order to allow ARS to verify my identity prior to processing my request. OnXX/XX/XXXX, I received a response by mail stating that my request was denied because a signature was not provided. OnXX/XX/XXXX, I mailed a second letter with the required documents reattached and demanded my request be processed as a signature is not required by any regulatory body as a method of uniquely identifying an individual. OnXX/XX/XXXX, I received a second letter from ARS denying my Security Freeze request. The second letter I received provided no direct response to my challenge regarding the signature and therefore provided no reasonable path to a solution. XXXX had no problem fulfilling my request without a signature. I provided the exact same information to XXXX and they complied quickly and professionally. ARS has compromised compromised my livelihood and violated my rights by denying my right to a Security Freeze. I have attached copies of the correspondence and evidence I provided to ARS with each of the two requests. I simply want my request to processed as ARS is legally required to honor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION
State: MO

Complaint narrative:
I was a customer with Simple. BBVA took over and transitioned all customer accounts from Simple to BBVA on XX/XX/2021. I, along with countless others as evidenced on XXXX, am unable to access my bank account through BBVA. I have attempted to resolve this issue on their website and by contacting their customer support phone numbers. It appears they have purposely shut off their phones based on the automated message indicating they are experiencing an issue and then disconnecting all calls. 

I am unclear why this transition was completed on a weekend and why they are purposefully preventing customers from contacting them to resolve the issues caused by this horrible transition plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I HAVE FILED A DISPUTE IN REGARDS TO THE INCORRECT ITEMS ON MY CREDIT REPORT. IT HAS BEEN WELL OVER 30 DAYS AND I HAVE'NT RECEIVE ANY INVESTIGATION RESULTS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
So on XX/XX/2021, I filed a complaint to Chase saying that, I had used my card on the website XXXX in order to buy {$700.00} worth of XXXX, and the website XXXX did not send the purchased goods to me, nor were they responsive to any of my questions requesting when I would receive my funds. I was issued a temporary credit through Chase while they looked into it, I thought all was fine until I receive and email from Chase saying, We found that the transactions were processed correctly or was authorized, as a result we are removing {$700.00} from your account. Even when I called the first time I said I can provide receipts and email receipts of me trying to contact XXXX and me not receiving the goods I paid for. This is truly disturbing, that Chase wouldnt even bother to contact me in order to ask for more evidence on my end ( which I wouldve gladly sent ) and just said the claim is over ...? The claim number was XXXX. I need help getting through to Chase about this claim and actually receiving my money back rightfully. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08 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: FL

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08 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: FL

Complaint narrative:
On XX/XX/2021 I sent a letter to Equifax letting them know that there is an unknown account reporting to my credit without any creditor or collector identifying information. 

There is no name, address, or telephone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08 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: FL

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Adjustment Corp. of S.W. FL., Inc.
State: FL

Complaint narrative:
XX/XX/XXXX I wrote a letter to Professional Adjmnt Co. asking them to validate the debt they stated that I owed them and they merely sent me a one page letter with a balance indicated without any information as to what this debt was for exactly. 

XX/XX/XXXX I advised them that they should not continue reporting this account without properly validating the debt. 

XX/XX/XXXX I notified them that they are violating the laws by not sending me necessary proof that the account belongs to me and that they in fact have a right to collect the debt. 

XX/XX/XXXXI took a closer look at my credit report and noticed this collection appears to be re-aged it's reporting XX/XX/XXXX( XXXX  ) and XX/XX/XXXX ( XXXX  ) which I am mistaken is a violation as well. I notified the bureau of this potential violation and the account continues to report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08 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: NC

Complaint narrative:
I recently looked at my credit report and seen XXXX XXXX  on my report. I have no knowledge of this account and it is fraud. I also filed with FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I called transunion because i am a victumn of inquires placed on my account that i didnt not make or authorize, they told me they would not remove them, i need these taken off as it is unfair, not accurate, and simply need to be removed as they are not mine. I would like these removed asap, i recently called XXXX  and they removed everything false for me, idk why transunion is not doing their job to make sure my credit report is accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: SC

Complaint narrative:
I have a mortgage loan that was transferred from XXXX XXXX XXXX to PHH Mortgage on XX/XX/XXXX. The final payment made to XXXX on XX/XX/XXXX included a principal only payment of {$3100.00}, bringing my mortgage balance down to {$280000.00}. That is also the balance due confirmed verbally by XXXX that was transferred to PHH. The balance due listed on my first statement from PHH is {$290000.00} -- exactly {$3100.00} more than the balance that PHH should have assumed. I contacted PHH Customer Service over a week ago and got no response. Meanwhile, my first payment has been processed by PHH and they are charging interest against the higher amount, not the correct amount. This is a blatant and unethical attempt by PHH to deceive the customer, and I doubt this is the first time this has occurred.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
I have reached out to Credence to understand this alleged debt. They have failed to provide any proof or contractual agreement with my wet signature showing that I indeed owe this debt. There were two dispute letters sent in XXXX and XXXX of 2020 and one validation letter sent out this year asking for documentation of this alleged debt. they continue to report negatively on my credit report but as of yet honored my request. They sent a letter in XXXX offering a discount settlement but they have not sent my any documentation of this account. I found this to be very strange and fraudulent. They are illegally trying to collect money from me, and they are hurting my livelihood by reporting fraudulent information on my credit report. They are breaking the law and I take this very seriously. According to the provisions of the Fair Credit Reporting Act 623. Responsibilities of furnishers of information to consumer reporting agencies 15 U.S.C. 1681s-2 Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-08 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: OH

Complaint narrative:
I do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SSN:XXXX DOB:XX/XX/XXXX I had some issues with my income being affected by the COVID-19PANDEMICSHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRAsection 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. XXXX XXXX/XXXX XXXX XXXX XXXX account is reporting 30,60 and 90 DAYS LATE since requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08 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 do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SSN:XXXX DOB:XX/XX/XXXX I had some issues with my income being affected by the COVID-19PANDEMICSHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRAsection 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. XX/XX/XXXX/XX/XX/XXXXXXXX account is reporting 30,60 and 90 DAYS LATE since requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08 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: U.S. BANCORP
State: NC

Complaint narrative:
I HAVE FILED A DISPUTE IN REGARDS TO THE INCORRECT ITEMS ON MY CREDIT REPORT. IT HAS BEEN WELL OVER 30 DAYS AND I HAVE'NT RECEIVE ANY INVESTIGATION RESULTS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: CO

Complaint narrative:
Applied to refinance my home XX/XX/XXXX, company collected documentation and approved the loan application, but has refused to move to closing as of XX/XX/XXXX. Actively solicited my business for the refinance, but failed on their end. They strung me along by promising to resolve the issues. Rates rose while they strung me along, denying me the opportunity to go through another company to take advantage of historically low interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United We Collect, Inc.
State: FL

Complaint narrative:
I noticed an account on my credit report that I did not re-call owing and I did not know who the collector was so I sent them a letter asking them to verify the debt back on XX/XX/XXXX. They merely sent me an invoice with an amount with little to no information about the debt. 

On XX/XX/XXXX I advised them that what they sent me does not prove the validity of the debt just that the debt exists on their records. I advised them that reporting collection activity on an account which has not been validated is a violation. 


On XXXX/XXXX/XXXX I proceeded to notify them that without necessary proof I would be filing complaints without further response from the company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Dear Sir/Madam : Branch Banking and Trust now Truist bank has failed to uphold their word to accurately report my accurate mortgage balance owed. On XX/XX/2021 BB & T reported to all three Credit Reporting Companies I paid my mortgage on-time. However, they fraudulently reported I owe more on my mortgage than I actually owe. BB & T reported a {$950.00} increase. Please view attached documents for further detail into this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.

Complaint narrative:
LL Bean Mastercard -a Citi company I have had this card for over a decade, it switched from Visa to Mastercard and from XXXX XXXX to Citi . I pay my balance in full EVERY month with a little extra. Recently, the balance that they have told in me is the the " true balance '' and so for the last 2 months, I have been charged interest on unpaid balances. When I called, them, they were unable to explain why the balance I am told in the " paperless '' statements is not the true balance and that I am being charged interest because I don't pay the true balance. I would assume that the electronic balance should be the same as it is on a paper statement and to be true and accurate. If I pay it in full, then there should not be any interest. I do not feel this has been the case and I do feel that this is probably happening to other people.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
I opened a checking account with TD Bank in 2020 when they offered a promotion. I deposited {$100.00} as the promotion required. But, then the pandemic occurred and I wasn't able to get service from TD Bank. Each time I called, I was on hold endlessly without anybody picking up. The branches were closed during the pandemic, but the drive thru was open. Since I couldn't reach a service rep, I decided this account wasn't worth the hassle and went thru the drive thru and told them I wanted to close the account and I wanted my {$100.00} back. The teller person said they would close the account and refunded my {$100.00}. I never got to use the account but TD Bank then began charging me fees because the {$100.00} was no longer in the account. 
I have tried to resolve this issue with TD Bank several times but now they give me a recovery company who is trying to recover fees for a checking account I couldn't get service on, never used, and closed, however, they didn't close the account so they could charge me fees. I am not paying for something I didn't get and they were negligent and did not close the account when told to.

Company response to consumer: Closed with monetary relief