vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-28 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have called TransUnion, XXXX, XXXX  and was put on hold multiple times before they hung also stating they could not provide agent number after i informed them i was recording the conversation as well. After stating consumer rights and 15 USC 1592, 18 UCS 8, 15 USC 1681ae, have been violated no doors were knocked on to verify.

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 2021-06-28 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: CT

Complaint narrative:
On XXXX I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelson and Kennard, LLP
State: CA

Complaint narrative:
XX/XX/21 I received an alert from XXXX  about an increase of {$1000.00} on a XXXX XXXX Credit Card # XXXX. I called XXXX XXXX and they confirmed that this is NOT my card, nor am I an authorized user. After research, I discovered this was my adult sons card, which was charged off. He gave me the last four digest of the card and I called XXXX XXXX back on the automatic call line using that number. It transferred me to an attorneys office : Nelson and Kennard, who bought the debt. I called them to tell them to remove the information from my credit, but they would not speak with me. They had NO right reporting this debt to my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: MD

Complaint narrative:
I sent XXXX in XXXX  ( XXXX BTC ) to my Cashapp wallet ( $ XXXX / XXXX ) and the transaction was above XXXX by the time it got to my cashapp due to XXXX  fluctuation of price and cashapp limits XXXX  transactions at XXXX so it said deposit over limit and to reverse my deposit. Its been way longer than a XXXX transaction takes and I still havent received any word back from cashapp and am missing XXXX USD

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: TX

Complaint narrative:
I began a refi with XXXX XXXX in XXXX, with targeted close date of XX/XX/XXXX. Every document and request was completed within XXXX. Delays occurred due to title seeking a subordination on a loan ( second lien position for solar ) that was to be paid off during the refi. It took multiple escalations to resolve this. Finally in mid-May we were looking on track for closing. Closing did not occur. Finally approved for closure on XX/XX/XXXX, met with the notary and we signed documents. On XX/XX/XXXX when I found that the loans had not been paid off, I tried to make the XXXX payment due with the secondary lender, but everyone was closed due to the holiday. On Monday, XX/XX/XXXX, XXXX requested that I make the XXXX payment to XXXX  ( 2nd ) and show proof the loan was paid through with a XXXX due date. I called XXXX to make the payment and provided proof of this, along with a refreshed payoff statement to XXXX. As of XX/XX/XXXX, funding has still not occurred, and both the primary and secondary loans that were to be paid off yet sit past due. Today XX/XX/28, I am being asked for more verifications and the loan is back with underwriting. 

Additionally, I have asked for a supervisor at multiple points in the process as challenges were encountered. It is evident that the complaints framework is not in line with industry standards. I never reached a supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION
State: VA

Complaint narrative:
Hi This is regarding mortgage # XXXX I refinanced with Amerisave mortgage company in XX/XX/XXXX. 
I had an insurance policy in effect XX/XX/XXXX - XX/XX/XXXX That policy included named wind/storm coverage with 1 % = {$2800.00} deductible. 
That was written clearly and I highlighted that in red. 
I changed the insurance company and had new policy effective XX/XX/XXXX - XX/XX/XXXX, which is currently in effect. 
I pay mortgage payments monthly in time. 
Late XXXX ( after the policy expired and had the new one in place ) Amerisave emailed me that the expired policy didnt have wind/storm coverage, I called and emailed and mailed them copies showing that it had coverage, no one wanted to understands or tried to understand, they reacted like machines. 
I called the previous insurance company to explain that the policy had that coverage, they told me that the policy was already expired and they didnt have it, since I moved to another insurance company. 
In XX/XX/XXXX Amerisave told me that they are going to pay {$1100.00} for coverage from the refinance date XX/XX/XXXX till the newer policy effective date XX/XX/XXXX Still I pay my regular mortgage payments in time as usual. 
Now, how come to pay for insurance that expired the year before? 
Insurance is paid as every one knows, in advance, How come they discovered that the OLD EXPIRED policy had no coverage after expiration. 
Either their employees dont want to listen, read and understand, or the company wants to steel my money. 
If what they claim was right, they should have fixed that during the refinance process not a year later, right

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 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: MS

Complaint narrative:
i sent letters out certified over 60 days ago and have not been notified. as a consumer i feel like these clowns taking advantage of normal 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 2021-06-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I had a Synchrony Bank Amazon Store Card, on XX/XX/XXXX, the card was closed by Synchrony for no reason and no contact before the decision. I used the card frequently, and never missed asingle payment. When I called to Synchrony, the rep said the decision was made after they checked my credit report, and found I was kind of a risky customer, but at that time, I had {$4200.00} credit ( negative balance ) on my account. And I didn't get Synchrony permission to check my credit report after the card opening. I am 100 % good card user. Synchrony says they can " Per the terms of your account agreements, we may close your accounts at any time. '' But no reason was provided! No customer rights were respected and protected

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 2021-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
Regarding : Account number XXXX Collection opened XX/XX/2020 Account type Collection The account is in litigation please remove it immediately. 
no proof of having applied for the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 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: NY

Complaint narrative:
I currently have 1 account open with XXXX. I have a XXXX XXXX XXXX that i opened sometime in XX/XX/2020. When delving into my credit report, I noticed Experian said i had 2 accounts open which then made me inquire why that was. I called XXXX and they noted I only had 1 account with them therefore the error came from Experian hence the complaint. Below, I've attached proof that the other credit bureaus note that i only have 1 account, while Experian says i have 2. This drops my score significantly in contrast to the other scores from the other bureaus because of the utilization that i try and keep between XXXX % before my next statement date. My utilization for Experian is XXXX % because they say I have 2 accounts when I only have 1.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-28 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: TX

Complaint narrative:
not mine fair credit report act violations : Account name XXXX XXXX XXXX XXXX  Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$15.00}, XXXX written off. {$15.00}, 943 past due as of XXXX XXXX. 
Status XXXX XXXX Account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
Good afternoon. I want to keep this short & to the point. I have mailed in two debt validation letters ( A. ) Mailed on XXXX B. ) Mailed again on XX/XX/2021. I had never received a proper or any form of response to my debt validation letter. I received a letter dated XX/XX/2021 in reference to account # XXXX in mid XXXX. On XX/XX/XXXX I again mailed in a third debt validation letter. Not receiving any correspondence from PRA prior, I mailed another debt validation letter. Today, XX/XX/2021, my wife and I called PRA to inquire as to why we havent received any response to our debt validation letters. We first spoke to a XXXX XXXX who informed us she could not discuss this account with us and that we would have to talk to the attorney. We asked to talk to someone over Ms. XXXX and they transferred us to XXXX XXXX, who refused to talk to us either. I am alarmed & baffled that they have blatantly and disrespectfully refused to conform with Federal Laws. Upon receiving the first ( XX/XX/2021 mailed ) debt validation letter, we shouldve received a response including the original purchase agreement. Im assuming they can not provide the information requested & that may be why theyre refusing to me. The two debt validation letters mailed, were mailed prior to any contact from the attorneys office.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
TRANSUNION broke the law with not responding to me I have mail tracking proof and they verified my accounts which is against law 's usc 15 1609 fdcpa please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 


Bankruptcy XXXX XX/XX/XXXX DELETE XXXX XXXX XXXX  XX/XX/XXXX DELETE XXXX XXXX DELETE THE FOLLOWING ACCOUNT SHOULD BE ON TIME AND OPEN NOT CLOSED XXXX XXXX XXXX THIS ACCOUNT IS CURRENT AN ON TIME NEVER LATE UPDATE TO OPEN XXXX THIS ACCOUNT IS CURRENT ON TIME NEVER LATE UPDATE TO OPEN

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 2021-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This letter is a formal complaint that Credit Bureau has reporting inaccurate and incomplete credit information. I am distressed that they have included the information below in my credit profile and that you they failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
1. The following information is outdated. Balance is wrong. Date of opening is wrong. I would like it removed from my credit history report XXXX Account Number : XXXX I was never late on this account. Please ensure that all information 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 2021-06-28 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: IL

Complaint narrative:
This letter is a formal complaint that Credit Bureau has reporting inaccurate and incomplete credit information. I am distressed that they have included the information below in my credit profile and that you they failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
1. The following information is outdated. Balance is wrong. Date of opening is wrong. I would like it removed from my credit history report XXXX Account Number : XXXX I was never late on this account. Please ensure that all information 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 2021-06-28 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: CBC Companies, Inc.
State: CT

Complaint narrative:
These inquiries don't belong to me. Please remove them from all XXXX credit reporting agencies. Please see below the list of inquiries that are reporting derogatory on all XXXX credit reporting agencies. 

1. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft FACTUAL DATA Date of inquiry : XX/XX/2020 This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

4. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

5. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine. 

6. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine. 

7. Identity Theft XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

8. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

9. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

10. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

11. Identity Theft XXXX  Date of inquiry : XX/XX/2020 This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 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: CORELOGIC INC
State: CT

Complaint narrative:
These inquiries don't belong to me. Please remove them from all XXXX credit reporting agencies. Please see below the list of inquiries that are reporting derogatory on all XXXX credit reporting agencies. 

1. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine. 

3. Identity Theft CREDCO-AUTO Date of inquiry : XX/XX/2020 This is not mine. 

4. Identity Theft CREDCO-AUTO Date of inquiry : XX/XX/2020 This is not mine. 

5. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine. 

6. Identity Theft XXXX  XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

7. Identity Theft XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

8. Identity Theft CREDCO Date of inquiry : XX/XX/2020 This is not mine. 

9. Identity Theft CREDCO Date of inquiry : XX/XX/2020 This is not mine. 

10. Identity Theft CREDCO Date of inquiry : XX/XX/2020 This is not mine. 

11. Identity Theft XXXX  Date of inquiry : XX/XX/2020 This is not mine.

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 2021-06-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unifin Inc.
State: ID

Complaint narrative:
To Whom it May Concern : This problem began 5-6 years ago, when XXXX had a promotion where they would pay any cancellation fees to our current carrier if we were to switch to them. Having multiple lines at the time, we knew this was a good deal, as it would lower our monthly phone bill significantly. After going through the long process of moving all of our lines to XXXX, we were instructed to go down the hall to XXXX XXXX this was in a mall ) and just start the cancellation process and that afterwards any fees would be " taken care of ''. 

It all sounded straight up, and I still don't feel that XXXX  was being dishonest or misleading. What we believe happened was that XXXX didn't like the marketing strategy and started some maneuvers to fight back, leaving we, the consumers, holding the bag, while two giants duked it out with all their legal mumbo jumbo that we couldn't keep up with. We also ended up in a mess right at this time when my husband lost his job- we were simply fighting to stay afloat. No time or resources to address this phone issue. 

We have given a very condensed version of events but hope this gives a good picture of what is going on. We initially talked to XXXX, who gave a small payout for compensation, which we don't remember what happened with it. XXXX was even less willing to work with us. Regardless, we believe that this is a debt we do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
Experian is reporting inaccurate information on my credit file. For the past 6 months I have been submitting dispute letters with no responds from them. Under the law they have 30 days to respond. Experian is reporting incorrect spellings of my name and incorrect social that is not mine. I have no idea where this came from, but social # XXXX Needs to be deleted off my credit file. I am attaching the proof you need to show what Experian is reporting as well as a copy of my social and ID.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XX/XX/21 I received an alert from XXXX  about an increase of {$1000.00} on a Capital One Credit Card # XXXX. I called Capital One and they confirmed that this is NOT my card, nor am I an authorized user. After research, I discovered this was my adult sons card, which was charged off. He gave me the last four digest of the card and I called Capital One back on the automatic call line using that number. It transferred me to an attorneys office : XXXX XXXX XXXX, who bought the debt. I called them to tell them to remove the information from my credit, but they would not speak with me. They had NO right reporting this debt to my credit report!

Company response to consumer: Closed with explanation