vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA

Complaint narrative:
On XX/XX/2021 I sent 10 pages of confidential and highly personal information to USAA Federal Savings Bank via Certified USPS Priority Mail as per their forms/contact address to establish Power of Attorney for my 5 banking/insurance accounts with USAA FSB. On Friday XX/XX/2021 @ XXXX I received an email from XXXX XXXX, USAA XXXX Fulfillment Specialist writing to state my POA request could not be completed or established because of missing pages. ( The mailed documents included 6 pages of very personal info per USAA form and 4 page copy of my legal Will- notarized by my attorney on mailing date XX/XX/2021 ). The email from Ms XXXX contained no information on what pages or documents were missing, nor how or when they went missing. I was advised to go to online account and submit forms or call the main bank number for assistance. The online forms were the same documents mailed! There were no communications in my bank account inbox regarding the events. 
To date, Ive sent 4 emails, made 4 phone calls - one answered- and after more than 8 minutes the CS rep ( XXXX is? ) advised my call had to be transferred to a Banking Specialist. After waiting on hold another 15 minutes, I was disconnected. Subsequently I contacted USAA via the online chat. ( This chat is saved ) ; after 22 minute chat, rep again could only advise a phone call to a Banking Specialist. I am unable to discover what personal and confidential information is missing or other breech of privacy events may have occurred from USAA and their representatives.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The company didn't notify customer when auto-payment fails, not by email, not by text. Let the late fee to roll up and customer find out of that 2 month later, then the company force the customer to pay {$100.00} late fee for {$120.00} unpaid amount, and report 2 month late in the customer 's credit report, which will be there for 7 years. That's the only bad thing on the customer 's credit report. 

The credit report company didn't show the unpaid amount, which is only {$120.00}, but only show there are 2 month late payment, and show there for 7 years, which is affecting customer 's financial benefit for 7 years whenever the customer is doing mortgage or refinance, it is super unfair.

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 2021-07-06 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX filed judgment XXXX against us even though we had already filed Chapter XXXX and loan was discharged XX/XX/XXXX by XXXX XXXX XXXX United States Bankruptcy Judge

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: DISCOVER BANK
State: VA

Complaint narrative:
Made two ACH transfers from available funds in account at Discover Bank to newly opened account at XXXX  XXXX XXXX on XX/XX/2021. Transfers were initiated with Discover and sent on XX/XX/2021 but when I called this morning to find out what time the funds were sent, I was told there was no time stamps on either of the transactions. Test credits and debits were sent by Discover Bank to XXXX  XXXX XXXX on XX/XX/2021 to verify the XXXX XXXX XXXX account. I called XXXX XXXX XXXX and was told the funds would be credited to my account by Tuesday or Wednesday and now it is Wednesday XX/XX/2021 and the funds have not been credited to my XXXX XXXX XXXX account. Stay away from Discover Bank. This is my second complaint against them in one week.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Due to the fact that my Identity was stolen a fraudulent account was opened up with SYNCB/XXXX XXXX olice and FTC report in regards to being a victim of 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 explanation
Consumer complaint received 2021-07-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Frost-Arnett Company
State: TX

Complaint narrative:
I received a notice via the mail on XXXX, Sent a written notice to Frost-Arnett on XXXX. In accordance with Title 15 of the United States Code Chapter 41 Section 1692, I requested validation of the debt on more than one occasion within the 30-day notice. However, Frost-Arnett has failed to provide validation of this alleged debt within 5 days of contact/communicating with me regarding the debt. Instead, they have practiced aggravated identity theft under 18 USC 1028 ( A ), by accessing my personal information without my express consent. Altering the account numbers on each notice to indicate new debt ( see exhibit A ). In accordance with FDCPA 8012 furnishing deceptive forms, the monetary remedy is owed to me. ( see exhibit A-total of violation made ). Continuing to alter forms and communicate about a debt that I do not own is considered harassment under 15 USC 1692 ( D ) ( 1 ). Pursuant to 15 USC 16819 ( b ) I never gave Frost-Arnett permission to access my personal information. I want any and all accounts deleted, removed from your system they are hereby disputed, as I am a protected consumer and I am not obligated to pay anything that doesn't belong to me. I am the consumer and according to 15 USC 1692 I do not owe any debt and I am not obligated to pay. I am an admistered agent in accordance with 15 USC 1692 ( f ) I do not own the social security card, In accordance with the code of federal regulations section 422.104 Social Security Numbers are the property of the Social Security Administration and must be returned to them upon request, therefore I am an administered agent and do not own any debt assoicated to it. Further review of the regulations can be loacted via 18 USC 8. Frost-Arnett is unable to validate this debt, in order to validate a debt it means to assess an action, I am the consumer and I am the only one that can validate a debt and this debt isnt mine and isnt true.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: MNS & Associates LLC
State: VA

Complaint narrative:
I received a phone call that I knew was a scam. The following is the transcript of that call Hello this message is intended to reach XXXX XXXX I a.m. calling today in regards to an asset verification and also to confirm your address as the primary residence of occupancy for XXXX XXXX I was forwarded documentation that does verify name in for a security number in regards to this process for enforceable review please be advised requesting for him sign for it and respond to a required demand notice and before I go ahead and begin the scheduling of this document so I wanted to inform you that this process is being expedited and should commence within the next 24 to 48 hours now at this point in time any questions regarding this matter you make contact and advisor directly at XXXX and you will also need to reference the file number XXXX otherwise fire to contact him the result in further determination is being made applicable to all state and federal guidelines you have now been officially notified

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
On XX/XX/21 and XX/XX/21 I sent certified letters to Transworld asking for validation of the allege account they claim I owe. Today is XX/XX/21 and I have yet to get any documents I requested or even a response. But I notice that Transworld is still reporting the allege account to the credit bureaus. 
How can they continue to ignore my request and keep reporting this not validated account. They are breaking the law of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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: The CBE Group, Inc.
State: UT

Complaint narrative:
CBE is reporting a debt on my credit file that I no longer owe. This debt was past the statue to limitations in Utah however, I called and settled this debt. I am now asking that they provide me with a deletion letter. I am aware that you can provide this to me and no one else. I am aware that CBE reports to the bureaus as they deem necessary and that they can provide me with a deletion letter. Please do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: United Collection Bureau, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX United collection bureau , Inc . 
XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, OH XXXX XXXX XXXX. Certified Mail/Return Receipt # XXXX XXXX Alleged Original Creditor : XXXX XXXX XXXX XXXX Alleged Original Creditor Account number : XXXX Debt collectors Name : United Collection Bureau , Inc . 
Debt collectors account number XXXX Alleged Debt Amount or Balance : {$420.00} Current Creditor : XXXX XXXX Dear United Collection Bureau , Inc . 

I recently received communication from you to collect the above-listed alleged debt. 
Your initial communication to me in attempt to collect he alleged debt was within 30 days ago. Please be advised that I hereby dispute the validity of the alleged debt listed above in its entirety. Further, I request verification of the alleged debt, specifically, a copy of a contract or agreement. Said contract or agreement must be with the original creditor and signed by all parties involved. You are illegally attempting to collect the above-listed alleged debt and money that I do not owe. Cease and desist all collection activity, including all reporting to consumer reporting agencies. If you comply with my deletion request within 14 days, then you are excused from verification. Send me a letter confirming your request to CRAS to delete your reporting of the alleged debt. This letter and evidence may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this fully matter and receive any related Information herein. Be advised, if you fail to comply with this demand letter, I may turn the matter Over to an attorney. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX DOB : XX/XX/XXXX Enclosure CC : Consumer Financial Protection Bureau via fax and or email @ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I have these account that does not belong to me and i want it to be remove from my credit report. 

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

2. Identity Theft US SM BUS ADMIN ODA Date of inquiry : XX/XX/2020 This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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: NC

Complaint narrative:
To someone who can help me, I am deeply upset about the erroneous things I see on my credit report. These accounts are unverifiable, invalidated, inaccurate, and questionable. If everything is not reporting 100 % accurately, it must be removed. I hope you find out whats going on and who the inaccurate information belongs to. Can you please clear this up quickly? It is my understanding that you will do an investigation immediately, a new credit report that reflects the updated changes should be sent. You must complete this investigation within 30 days of receipt of this letter. According to the law, unverifiable, inaccurate accounts must be removed and if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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: LA

Complaint narrative:
These accounts, I feel, are having a negative impact on my credit score and costing me thousands of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX  since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 35 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the anxiety you have caused me. It is clearly stated in Section 611 ( a ) that failing to investigate these matters within 30 days gives a reason to immediately remove these things off my credit report immediately. It has been 35 days, so they should be erased immediately.

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 2021-07-06 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO LOAN OR LEASE 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2017 with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Due to the fact that my Identity was stolen a fraudulent account was opened up with XXXX. I have a police and FTC report in regards to being a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX National Credit Systems , Inc . 
P.O. XXXX XXXX XXXX, GA XXXX XXXX XXXX. Certified Mail/Return Receipt # XXXX XXXX Alleged Original Creditor : XXXX  XXXX  Alleged Original Creditor Account number : XXXX XXXX  XXXX Name : National Credit Systems , Inc . 
Debt collectors account number XXXX Alleged Debt Amount or Balance : {$4200.00} Current Creditor : National Credit Systems , Inc . 

Dear National Credit Systems , Inc . 

I recently received communication from you to collect the above-listed alleged debt. 
Your initial communication to me in attempt to collect he alleged debt was within 30 days ago. Please be advised that I hereby dispute the validity of the alleged debt listed above in its entirety. Further, I request verification of the alleged debt, specifically, a copy of a contract or agreement. Said contract or agreement must be with the original creditor and signed by all parties involved. You are illegally attempting to collect the above-listed alleged debt and money that I do not owe. Cease and desist all collection activity, including all reporting to consumer reporting agencies. If you comply with my deletion request within 14 days, then you are excused from verification. Send me a letter confirming your request to CRAS to delete your reporting of the alleged debt. This letter and evidence may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this fully matter and receive any related Information herein. Be advised, if you fail to comply with this demand letter, I may turn the matter Over to an attorney. 

Sincerely, XXXX XXXX XXXX S.S. N. XXXX DOB : XX/XX/XXXX Enclosure CC : Consumer Financial Protection Bureau via fax and or email @ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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: LA

Complaint narrative:
I feel these accounts are having a negative impact on my credit score and costing me thousands of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 50 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the anxiety you have caused me. It is clearly stated in Section 611 ( a ) that failing to investigate these matters within 30 days gives a reason to immediately remove these things off my credit report immediately. It has been 50 days, so they should be erased immediately.

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 2021-07-06 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: PA

Complaint narrative:
I previously tried to resolved this fraudulent account with this company I called this company and submit information for my dispute this company had numerous attempts. I will filing a complaint against this company and keeping a record of how this company is responding to my complaint and to show people of how this company treat there customers.THANKS

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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: EQUIFAX, INC.
State: LA

Complaint narrative:
These accounts, I feel, are having a negative impact on my credit score and costing me thousands of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 35 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the anxiety you have caused me. It is clearly stated in Section 611 ( a ) that failing to investigate these matters within 30 days gives a reason to immediately remove these things off my credit report immediately. It has been 35 days, so they should be erased immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Due to the fact that my Identity was stolen a fraudulent account was opened up with Commenity Bank. I have a police and FTC report in regards to being a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
DISPUTE INFORMATION ON MY CREDIT REPORTS TRANSION UNION, XXXX, AND XXXX THERE IS INCCURACTE SPELLING OF MY NAME CREDIT BREAUS REPLIED BACK SAYING VERFIED HAVE PLACE SECURITY FREEZES WITH XXXX, XXXX, XXXX XXXX XXXX XXXX SUPRESSED MY REPORT

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