vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.

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 2021-06-23 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: AL

Complaint narrative:
I demand the deletion of the fraudulent inquiries listed below which all resulted from the Reported Incident of Identity Theft. 


FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1 XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 12. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 13. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 14. XXXX on XX/XX/XXXX ( Reported Identity Theft )

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 2021-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX  TRANSUNION AND XXXX  ARE DISPLAYING THREE CLOSED ACCOUNTS THAT ARE DISPLAYING LATE PAYMENTS THAT OUGHT BE MITIGATED FOR THE XXXX DISASTER AND MY WIFES XXXX AND XXXX XXXX THAT BEGAN XX/XX/2019 AND LASTED ABOUT A YEAR. 
THE THREE ACCOUNTS ARE XXXX  XXXX XXXX  XXXX, XXXX  XXXX, XXXX. ALL THREE ACCOUNTS HAVE BEEN PAID IN FULL INCLUDING ALL INTEREST AND FEES AND WERE NOT SETTLED OR NEGOTIATED FOR LESS DUE TO HARDSHIP OR NEAR BANKRUPTCY. 
MY WIFE BECAME XXXX  AND XXXX XXXX IN XX/XX/2019 AND RECEIVED XXXX FUNDS AT THAT TIME FOR A PORTION OF THE YEAR XXXX XXXX GOING INTO THE TIME FRAME OF THE COVID19 XXXX. 
Our current household income of XXXX was reduced to my salary of XXXX during the year of XX/XX/2019 for about a year total till my wife was able to work as a XXXX  PART TIME. 
Due to the staggering loss of income, my wife 's inability to care for herself or the children, we moved in relatives with us to help and I footed that expense as well. 
We are asking for some mitigation on the unintentional lates caused by XXXX and pandemic and the fact that we made good on our total debts even though it was almost impossible and Bankruptcy looked like the opnly sensible action. 
We have disputed these accounts many times providing information but are limited by space for explanations. 
The lates were caused unintentionally, primarily by acts of XXXX.please mitigate the severe harm taking into consideration my situation and the fact that you were paid in full without compromise.The lates are harming my ability to buy a much needed home for our growing family and the damage they inflict to that loan process I feel is not deserved.

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 2021-06-23 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: CA

Complaint narrative:
XXXX, XXXX AND EQUIFAX ARE DISPLAYING THREE CLOSED ACCOUNTS THAT ARE DISPLAYING LATE PAYMENTS THAT OUGHT BE MITIGATED FOR THE COVID-19 DISASTER AND MY WIFES XXXX  AND XXXX  XXXX THAT BEGAN XX/XX/2019 AND LASTED ABOUT A YEAR. 
THE XXXX ACCOUNTS ARE XXXX XXXX XXXX   XXXX, XXXX XXXX, XXXX. ALL THREE ACCOUNTS HAVE BEEN PAID IN FULL INCLUDING ALL INTEREST AND FEES AND WERE NOT SETTLED OR NEGOTIATED FOR LESS DUE TO HARDSHIP OR NEAR BANKRUPTCY. 
MY WIFE BECAME XXXX  AND XXXX XXXX IN XX/XX/2019 AND RECEIVED XXXX FUNDS AT THAT TIME FOR A PORTION OF THE YEAR LONG ILLNESS GOING INTO THE TIME FRAME OF THE COVID19 PANDEMIC. 
Our current household income of XXXX was reduced to my salary of XXXX during the year of XX/XX/2019 for about a year total till my wife was able to work as a XXXX  PART TIME. 
Due to the staggering loss of income, my wife 's inability to care for herself or the children, we moved in relatives with us to help and I footed that expense as well. 
We are asking for some mitigation on the unintentional lates caused by XXXX and pandemic and the fact that we made good on our total debts even though it was almost impossible and Bankruptcy looked like the opnly sensible action. 
We have disputed these accounts many times providing information but are limited by space for explanations. 
The lates were caused unintentionally, primarily by acts of XXXX.please mitigate the severe harm taking into consideration my situation and the fact that you were paid in full without compromise.The lates are harming my ability to buy a much needed home for our growing family and the damage they inflict to that loan process I feel is not deserved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmerAssist A/R Solutions, Inc.
State: FL

Complaint narrative:
I started receiving collection notices about 2 months ago after disputing for fraud. I sent my police reports. After contacting AmerAssist I was told my police report is too old and that my email was used. So it cant be deleted. In the police report it mentions my computer was stolen which contains my email and personal info. The debt is for {$1400.00}. This is identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Cadillac Accounts Receivable Management
State: PA

Complaint narrative:
I have been requesting this company to send me written notification for more than 1.5 years now. They keep calling me every month and never send me a written notice. I did acknowledge who I was. With all the identity theft scams going on, providing date of birth or other sensitive information like SSN is not a good practice and expecting this also shows that this company is trying to scam.

I don't have any debt that I know of. Per law, I should have received a written notice within 10 days of first call. Its 1.5 years and I still haven't received one.

Also, this company keeps closing my complaint without providing a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
National interviewer  XXXX XXXX put big banks on blast on national television saying that bank CEOs like XXXX XXXX ( Bank of America ) and XXXX XXXX ( XXXX ) did not offer customers and/or waive customers overdraft fees in XXXX during the national pandemic, especially since banks like BANK OF AMERICA got complete protection from overdraft fees from the Federal Reserve. 

I called in a few times during the XXXX pandemic regarding having my fees waived in XXXX and was only told I qualified for the normal 1 or 2 per year. I called in a few weeks ago on XX/XX/XXXX and asked about why they didnt waive all my XXXX overdraft fees again since the interview and the he said they only did it if you called in during XXXX about it. I told him did call in a few times during XXXX and no one waived all my OD fees. He then only offered me a credit of like 2 overdraft fees instead of crediting me back all my overdraft fees during XXXX because she said there was daily limit. 

Big banks like Bank of America received and got all typed of government breaks and aide and did not extend those same courtesies to customers like me as they should have. I am highly upset to know the CEO of this company was taking advantage of customers and profiting off overdrafts fees during a national pandemic, were many struggled. Where is his integrity and where is are my reversed over draft fees for the year of XXXX?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I got a letter in the mail saying tiaa bank has partnered with loancare and that I have a outstanding balance. They said I didn't pay XXXX and XXXX and that I owed three months mortgage. So I payed the 3 months to the new address and new account number. And now they are saying they haven't received the check. And XXXX XXXX says all of the checks have been cashed. Even the first ones for XXXX and XXXX that I sent in XXXX and XXXX. I never received any notice that Tiaa bank was switching to loancare or that I was supposed to be mailing to a new address or loan number until they sent me a delinquency notice. And now they are still harassing me with phonecalls every other day. Asking me for my social security number and asking me how much the mortgage is. They are still asking me for more money Even though I payed them twice for XXXX and XXXX. And XXXX XXXX won't help me file claims or charges or whatever I need to do to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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: LEXISNEXIS
State: FL

Complaint narrative:
On XX/XX/21 I sent a letter to LexisNexis challenging the validity of an alleged Bankruptcy showing on my consumer report. Two of the Credit Bureaus are claiming the item was verified with LexisNexis. Additionally, I went to the Courthouse, and they stated they did not verify this information with LexisNexis. As per my right outlined in the FCRA I requested whatever documents LexisNexis had to verify this alleged Bankruptcy to be sent to me immediately. When I received no response from LexisNexis I went to the Court and requested a letter confirming they did not verify the disputed item with LexisNexis or the Credit Bureaus. I received the letter from the Court dated XX/XX/21. I wrote LexisNexis again and attached a copy of the letter from the Court. At this point, today is XX/XX/21 and LexisNexis has failed to respond to my original letter dated XX/XX/21 or any of my subsequent communication dated XX/XX/21, XX/XX/21, XX/XX/21, XX/XX/21, XX/XX/21, XX/XX/21. Since LexisNexis failed to reveal how they verified this item then it needs to be deleted per the FCRA. I've taken the appropriate steps to address this item and LexisNexis is ignoring my Consumer Rights as outlined in the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Cedars Business Services, LLC
State: MO

Complaint narrative:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: PA

Complaint narrative:
Hello, I received a letter from Jefferson Capital stating I owed {$340.00} from XXXX XXXX. I was very suspicious as I only used XXXX once, not for that amount or near it. 
I contacted chat support and they confirmed that this was not mine, I had no debt and that they do not even use this company. I am not sure if the company is at fault ( Jefferson Capital ) because there was no way to get in touch with them other than postal mail, and that is not easily tracked, and their phone system was not working ( my account number was not working ) though when I did put my account number ( from them ) in their system online, it did show up with my personal information! That being said, I could not contact them that way either - only to pay the alleged bill. 
So, I have proof ( screenshot ) that I do not have a debt nor ever did with XXXX. 
This is identity theft and I need it addressed and not to be on my credit. 
Date of letter XX/XX/XXXX though I received it on XX/XX/XXXX Amount : XXXX Debt Description : XXXX XXXX XXXX confirmed this is not mine at all* They gave me the option to dispute but I can only use postal mail or phone, both of which are impossible for me to properly track in a timely manner. 

Help! 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: MO

Complaint narrative:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

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 2021-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I got an email from credit union from a new account that I supposedly made. I havent opened up a new account so Im concerned someone is trying to steal my identity and made a credit card with my information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I have tried numerous times between XX/XX/XXXX and now to get Equifax to correct a debt collection from XXXX XXXX. I am unable to submit documents through their MyEquifax website and their phone representatives are unhelpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: NC

Complaint narrative:
I was contacted by my bank Freedom Mortgage to refinance my VA loan. As I going through the process they claim that a closing service XXXX XXXX XXXX which I have never done business with has a Lein/judgment on my home. I have tried for weeks to get it resolved but no response from the company. I have done a bit of research and this is the company that Freedom Mortgage use for closing services.

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 2021-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: DISCOVER BANK
State: MI

Complaint narrative:
Transactions are re-sequenced and come out of a my account a week later than they occur. For example, I purchased XXXX tickets on XXXX, XX/XX/2021 in the amount of {$97.00} and the amount wasnt withdrawn yet as of XXXX, XX/XX/2021. 

Almost all of my transactions are this way, and barely anything posts on the actual day the transaction was made. My previous bank closed but they didnt do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: NJ

Complaint narrative:
On XX/XX/21 received a letter requesting payment of {$230.00} and using my tax refund to pay such. 
I left a voice mail on XX/XX/21 and received a call back on XX/XX/21. I informed the gentleman that the amount claimed was wrong that I had tried at no avail to resolve the matter with the utility company. He asked what was the correct amount and I told him 1/3 or {$79.00}. 

Very clearly, despite that I cancelled my service with the utility company 10 days withing the billing period they inisted on being paid fort he full amount and I disagree to pay for services not rendered. ( I have written at least 5 letter to the utility company with no reasoble explanation as to why I have to pay more that what is due. 

The person from Sunrise Credit Service was very rude and dint beven made an attempt to ask why the amount billed was wrong. Nor did I receive any other follow-up as promised to explain why was the amount correct. 

Today I received notification from monitoring agencies that a change had occurred in my credit report/FICO Score. Upon checking I noticed that Sunrise Credit Services has reported the amount of {$230.00} as past due Industry Type Collection Agency. 
Not only my FICO score wend down from XXXX to now XXXX. 

I am very surprised that despite the fact that I informed the company that I disagreed with the amount claimed the proceeded to report the amount to the credit bureau and not attempt was made to discuss with me my reasons for such claim. 

Despite, the efforts of the CFPB, I think these companies continue to engage in Unfair, Deceptive Acts and Practices. I have been more that fair in wanting to pay but, only what is owed and I am still willing to pay but, this agency has to correct the credit report and then send a bill for the revised amount of {$79.00}.

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 2021-06-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.

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 2021-06-23 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: GA

Complaint narrative:
Equifax has committed fraud by putting inquiries on my credit report without my consent. Which is a violation of my rights pursuant to the FCRA ( Fair Credit Reporting Act ) namely 15 USC 1681 and multiple violations pursuant to the FDCPA. These fraudulent reports have damaged my reputation and caused pain and suffering due to the inquiries causing my credit score to drop which in turn affects my livelihood. These " XXXX XXXX  '', " XXXX XXXX '', and " XXXX XXXX XXXX '' Inquiries should be removed from my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc.
State: PA

Complaint narrative:
I have disputed this account because it is INACCURATE. I received a letter from Aargon stating that they received my FRAUD DISPUTE. I did not say the account was fraud, I stated that the information that they sent was inaccurate, incomplete, unverified, and illegal. I disputed this account here last month, and you assisted me greatly, however, the stall tactics that are being used against me are unacceptable, please help me!

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 2021-06-23 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: EQUIFAX, INC.
State: LA

Complaint narrative:
Good Day! I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didn't have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed Identity theft/fraud because I did not give them the authorization to run my credit you can see them found attached. Please have these removed asap. I tried contacting them and sending letters and nothing was solved.

Company response to consumer: Closed with explanation