vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Received a call from bank of America ( my banking agency ). Was asked if I'd authorized a XXXX transfer of {$3500.00}. I said no. Didn't even have XXXX set up. Was told I'd have to set XXXX up so the money could be returned. Followed the caller 's directions and transferred the money back to myself. When I ended the call I double checked my bank account and saw the money was gone. 

Called bank of America back and was told their number had been spoofed and I was scammed. They started a claim and said it could be 10-45 days for a resolution. I was informed the money went to a XXXX XXXX and they would try to get my money back. I was told they had sent information of this type of scam via email awhile back. I was also told they wouldn't be able to do anything for me if XXXX XXXX  won't release the funds back to them, so essentially I could be out {$3500.00} dollars. 

I always file all bank emails in a folder, but when I double checked it for the year I didn't come across anything about this scam. I also didn't see any thing in any correspondence they've mailed to me this past year. 

They've been working on this claim with no real updates or any promising information to give me. I'm out {$3500.00} that I desperately need. It was all we had. I know I made a mistake. But we have received legitimate calls from bank of America 's fraud department in the past, so how would I have known this one was a scam?

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 2021-09-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I am not familiar with this account. I have contacted Chrysler Capital concerning this account my letter was delivered on XX/XX/2021 the tracking number is XXXX XXXX XXXX XXXX XXXX. Chrysler Capital has not responded to my letters, they have not sent a contract, statements or any documentation concerning this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that LVNV FUNDING would verify the debt. So I took it upon myself to ask LVNV FUNDING for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I use to be a resident who moved out of XXXX at XXXX XXXX XXXX, after moving out when the lease was over I was contacted two weeks later from the leasing office making reference of owing XXXX dollars for damages. When I asked what damages, I was told bedbugs, and garbage left in the apartment. I refused to believe that because for one, I never had bedbugs and second, the apartment was left clean and damage free. When I asked for evidence such as pictures I was not given an opportunity which makes me believe they made up these allegations to keep my deposit. I'm familiar with Georgia tenant laws and guidelines that must be followed and I assure you none of the guidelines were followed by XXXX at XXXX XXXX XXXX. I was never given a list signed by a employee in the leasing office, I was never allowed to enter the apartment to see if the damages was true so in the event I would honorably be able to handle the damages. To add insult to injury this debt collection company named National Credit Systems Inc. who I have no contract with concerning this alleged debt decides to trespass by taking my social security number and damaging my credit by reporting that I owe them an alleged debt they obviously paid pennies on the dollar for, in order to try extort me for funds. To keep in honor I sent them a negotiable instrument and affidavit to satisfy the debt by registered mail. To this day they still have the negotiable instrument and still damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have these accounts that are not mine and i want them to be removed from my credit report. 

1. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX/XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft CAPITAL ONE BANK USA N Account Number : XXXX This is not mine. 

8. Identity Theft CAPITAL ONE BANK USA N Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
I sent a debt validation letter to COMMONWEALTH FINANCE, they failed to validate my debt. Instead they sent a list of my medical records which I know is a direct violation of HIPPA regulations. I never signed a HIPPA form authorizing them to have access to this information. Please delete this information from my credit file and cease all collection activities immediately. 

I have also completely paid my medical bill with the XXXX XXXX XXXX, I have nonidea who COMMONWEALTH FINANCE is and what they are trying to collect from me, i do not have a contract with.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 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: IL

Complaint narrative:
RE : XXXX XXXX XXXX Over thirty days ago, I wrote to Credit Bureau company indicating my dispute of information in my credit report. A copy of my original letter accompanies this correspondence. As of todays date, Credit Bureaus have not responded to my dispute and therefore must remove from my credit file all information disputed in my correspondence.

Under the Fair Credit Reporting Act, your bureau was to have completed its reinvestigation of disputed information within 30 days. This 30-days mark has come and gone without any response from their office. 
I am requesting your assistance in the verification of the removal of the disputed data from my credit report. Please send to my address provided above an updated credit report at no cost to me as proof that that negative information from my account has been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 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: Nelnet, Inc.
State: OH

Complaint narrative:
For the greater part of the last year I've disputed several accounts on my consumer file with both the alleged creditor and with XXXX  directly. The dates are as of said disputes are as follows : XX/XX/XXXX, XX/XX/XXXX ( no response ), XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX The accounts in question : US Department of Education/Nelnet XXXX  continues to either ignore my request and/or update the account incorrectly. Today, XX/XX/XXXX, I spoke with an XXXX  representative in regards to these accounts. The accounts are reporting CLOSED, as of XXXX. The rep advised the account also has late pays reporting as recent as XX/XX/XXXX. Myself and the rep agreed that there can not be new late payments on a CLOSED account with a {$0.00} balance. I requested the accounts be removed, the rep declined, stating she doesn't have the ability to do that and suggested I file a dispute. I requested to speak with a manager, because I'm not confident XXXX  is doing their due diligence in investigating this matter. The rep advised they only receive electronic requests and do not verify the information upon submission. I explained how this is problematic for me, since the recent late pays are impugning on my reputation and has a direct correlation to my credit worthiness. After holding for about five minutes, awaiting a supervisorthe rep disconnected the call. 

I demand the listed accounts be removed or I will have to seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME

Complaint narrative:
I have several consumer loans I am making payments on that XXXX  refuses to report. According to the FCRA, if a consumer report is inaccurate or incomplete, it must be corrected and made complete. I have reached out to XXXX  on several occasions, to no avail. My inaccurate consumer report is credit score is tarnishing my personal reputation and causing me mental anguish.

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 2021-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: ME

Complaint narrative:
I have several consumer loans I am making payments on that XXXX  refuses to report. According to the FCRA, if a consumer report is inaccurate or incomplete, it must be corrected and made complete. I have reached out to XXXX  on several occasions, to no avail. My inaccurate consumer report is credit score is tarnishing my personal reputation and causing me mental anguish.

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 2021-09-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Waypoint Resource Group, LLC
State: NJ

Complaint narrative:
XXXX XXXX assessed me an early termination fee of {$160.00} in XX/XX/2020. 

However, as previously discussed with XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ), and Waypoint Resource Group ( Collections Agency ), the early termination fee should not have been assessed as XXXX indicated that they could no longer provide service to my area. I was assessed a fee because they could no longer provide a service. 

I communicated with XXXX via email and phone XXXX to approximately XX/XX/2020, the last email I sent asked for an update, but I did not receive any response. I spoke with Mr. XXXX XXXX over the phone a couple times in XX/XX/2020. 

Unfortunately, I have not been able to resolve this erroneous charge with the Collections Agency or XXXX. I disputed the credit report with XXXX, they advised I submit a complaint with CFPB and FTC. 

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 2021-09-01 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:
I have an entry on my credit file with XXXX  for a delinquent account with an unpaid balance of {$1100.00} reported by XXXX XXXX XXXX services which doesn't belong to me. I sent a dispute letter on XX/XX/2021 challenging the accuracy, compliance and reportability of this entry. XXXX  and XXXX XXXX XXXX XXXX has failed to provide me with copies of any documentation associated with this account, bearing my signature within the 30 days allotted to complete an investigation plus the extended 15-day period.

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 2021-09-01 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have an entry on my credit file with XXXX  for a delinquent account with an unpaid balance of {$1100.00} reported by XXXX XXXX XXXX services which doesn't belong to me. I sent a dispute letter on XX/XX/2021 challenging the accuracy, compliance and reportability of this entry. XXXX  and XXXX XXXX XXXX XXXX has failed to provide me with copies of any documentation associated with this account, bearing my signature within the 30 days allotted to complete an investigation plus the extended 15-day period.

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 2021-09-01 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:
FCRA Violation; Not Mine; Names, Addresses, Accounts :

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX


Account name
XXXX XXXX XXXX
Account number
XXXX  Date opened
XX/XX/XXXX

Account name
XXXX XXXX XXXX/XXXX  Account number
XXXX  Date opened
XX/XX/XXXX

Account name
XXXX XXXX XXXX
Account number
XXXX  Date opened
XX/XX/XXXX


FCRA Violation ; Never late:

Account name
XXXX XXXX  Account number
XXXX  Date opened
XX/XX/XXXX

Account name
XXXX XXXX
Account number
XXXX
Date opened
XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Portfolio Recovery has been trying to collect an ALLEDGED DEBT from me. I requested a debt validation from them. They did not provide me with any information with my signature providing that it is me. Even if this was provided to me, IM the only person who can validate and verify this debt which I DO NOT VALIDATE! Anyone can say that a consumer owes a debt but they have not proved that this debt was mine. I do not validate this debt and I have told them this is not my debt multiple times an even requested a cease and desist. They are continuing to violate multiple consumer laws such as : 15 U.S. Code 1692f.Unfair practices by trying to collect a debt that is not owed by me and by communicating through post card. Many people know the name of this collection agency so anyone who delivered the mail thinks that I am in debt which is a violation of this law and my right to privacy, 15 U.S. Code 1692g - Validation of debts, I was not given enough evidence to verify this debt yet this ALLEDGED DEBT is still being furnished on my report and is preventing me from obtaining new credit, and 15 U.S. Code 1692j - Furnishing certain deceptive forms because these are false forms being furnished on my report and it has created false belief in my consumer report. These are all violations under the FDCPA which this company needs to be held liable for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC
State: TX

Complaint narrative:
Dynamic Recovery Solutions is attempting to collect a debt on the behalf of another 3rd party ( XXXX XXXX XXXX ) while the original creditor is XXXX XXXX XXXX XXXX, which I don't think exist anymore. 

In 2015, I was an inpatient in XXXX  at XXXX Hospital in XXXX XXXX, TX. I provided my XXXX health insurance at the time of service. All facility charges were billed to XXXX  and all went well. However, the physicians that read a report, saw me in the hospital or whatever never billed XXXX. I never received a bill and then 3rd party collections have been involved on and off ever since. I know how medical billing works. I was a patient accounting rep for almost 14 years. If the professional billing office failed to bill XXXX  within timely filing, they CAN NOT bill the patient. I had XXXX  for a reason at that time. I've been very XXXX  since this. I am now in the XXXX XXXX XXXX XXXX XXXX and awaiting a XXXX  at XXXX. I don't need this. It's insane how relentless these people are. Even the hospital billing manager tried to get involved because it's wrong what they did but this company doesn't even exist anymore and no longer contracted with this hospital. I know these companies are just getting these accounts for pennies to collect. However, the original creditor was negligent, failed to file the claim with insurance and legally you cant bill a medicaid patient for that failure! So many years have past, they need to accept accountability and let it go for goodness sake!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-02 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: MO

Complaint narrative:
On XX/XX/2021, I sent a method of verification letter to Equifax, XXXX  and XXXX regarding a bankruptcy that is listed on my credit report. There has been no reply by mail, email or phone regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC

Complaint narrative:
In XX/XX/2017, we requested the servicer to remove PMI because the property had significantly increased in value. They stated an appraisal was necessary to verify. Even though the appraisal stated " no functional inadequacies were evident '', and this home is in a significant growth market, the appraisal had erroneous information that made it apparent to us the appraiser the bank hired is not familiar with the market. 

We disputed it with the servicer, and submitted a second appraisal that was done by someone familiar with the area. Rather than the servicer reviewing it themselves and discussing, they sent the second appraisal package to the first appraiser for opinion. Naturally, he stated the second appraisal was wrong. The servicer failed to continue to communicate, but did bill us for the appraisal. 

Recently we decided to pay enough of the principal to be below 78 % LTV ; however, the servicer misprocessed this payment, even though we ordered the servicer to make the extra payment as principal. This has not been fixed yet, and the servicer has stated even when the principal is below 78 % they will still not want to remove the PMI without yet another appraisal of their choosing. 

The loan is current, with zero delinquencies. We need this escalated beyond the offshore call centers that are handling this thus far.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. This item BK OF AMER is reporting late as reported in my XXXX Credit Bureau. Lets correct this immediately. The XXXX XXXX is required to verify for themselves, but they failed to neither verify nor update me about this complaint.

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 2021-09-01 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Key 2 Recovery, Inc.
State: TX

Complaint narrative:
Did not receive any notification that this would be put on my credit. No phone calls, no emails, nothing. I reached out after seeing it was on my credit and was made aware at that time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation