vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I sent a letter dated XX/XX/2021, disputing an account that I noticed on my credit report for XXXX XXXX XXXX XXXX in the letter I request that they provide me with verifiable proof that this account in question belongs to me. and I also provided a copy of a Police report, a copy of the FTC report, and a sign and notarized affidavit. 
XXXX XXXX sent me a letter dated XX/XX/2021, Stating their account history. they also acknowledge the fact that I requested proof the said account belongs to me but intentionally omit such proof from their letter. they also ignored the contents of the letter and are requesting that I fill out and and sign another affidavit and any supporting documents I may have. 

I'm my opinion, I see this as blatant disrespect of the law and my time and money that it cost me to mail such letters.

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 2021-11-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect
State: GA

Complaint narrative:
To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPAA.

{ Creditor/Collection Agency } did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights . I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 
I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Dynamic Recovery Solutions, LLC
State: WV

Complaint narrative:
XXXX XXXX {$6900.00} DYNAMIC RECOVERY SOLUT XXXX {$1400.00} DYNAMIC RECOVERY SOLUT XXXX {$880.00} XXXX XXXX XXXX {$1000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-09 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: GA

Complaint narrative:
( this is not a third party ) 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. I demanded to see verifiable proof ( an original consumer contract with my signature on it ) that they have on file for the account listed below. They failed to positively verify these accounts and it has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if they are unable to provide me with a copy of verifiable proof, they must remove the account listed below. The list of collection that are reporting has not been opened by me and I have no knowledge of them. By law I have the right to PRIVACY and you the credit reporting agencies have violated itthe list of accused collections account and dates are as follows : XXXX XXXX XXXX OPENED XX/XX/XXXX, XXXX OPENED XX/XX/XXXX, XXXX XXXX OPENED XX/XX/XXXX, XXXX OPENED XX/XX/XXXX, XXXX  OPENED XX/XX/XXXX, XXXX  OPENED XX/XX/XXXX, XXXX XXXX  XXXX OPENED XX/XX/XXXX, XXXX OPENED XX/XX/XXXX XXXX XXXX LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELETED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : EXPERIAN, XXXX AND XXXX ARE CURRENTLY IN VIOLATION AND HAS VIOLATED MY RIGHTS UNDER FCRA AND FDCPA under 15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) accuracy and fairness of credit reporting The Congress makes the following findings with banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( b ) reasonable procedures it is the purpose of this subchapter to require that consumer reporting agencies added reasonable procedures for meeting the needs of commerce for consumer credit personnel, insurance, and other information in a manner which is fair and equitable to the consume, with regard tot eh confidentiality, accuracy, relevancy and proper utilization of such information in accordance the requirements.

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 2021-11-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NV

Complaint narrative:
I was selling a product online the gentleman stated that he had sent me the full amount I received an email from Zelle support stating that the funds going to be deposited into my account until I verified that I was attempting to send funds or receive funds from that individual zelle support emailed me requesting me to send funds to the individual I sent funds later I found out that it was a scam the representative at Zell so that theres absolutely nothing that they can do and the person can create a new Zell account and my bank also stated that there was absolutely nothing that they could doI was supposed to receive {$1200.00} and then with the {$500.00} that I had sent would be a total of XXXX however I did not receive any of those funds I am just out {$500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
WELL!!  I PURCHASED (3) OF SERVE"S PRE-PAID CARDS.   BUT, THEY WERE LOST/STOLEN BEFORE I WERE ABLE TO REGISTER THEM.  THEY ALL WERE IN A ENVELOPE. SO HAPPEN, I TOOK PICTURES OF THEM FRONT & BACK. AND MY
RECIEPTS BEFORE THEY WERE LOST/STOLEN. SO, THE THIEF USED THE CARDS AND PURCHASED ITEMS ON LINE.  THIS WAS XX/XX/XXXX. TWO CARDS HAD $XXXX ea,. AND (1) HAD $XXXX.  TOTAL OF $XXXX. THE THIEF USED ALL THE MONEY ON ALL CARDS. LEFT -XXXX- BAL. I  ALSO SENT PICTURES OF THE CARDS AND THE RECIEPTS TO SERVE STATING THAT I PURCHASED & PUT MONEY ON
THESE CARDS BUT THEY DID NOTHING.  THEY WANT TO SAY I GAVE THE THIEF AUTHURIZATION.  BUT, WHY WOULD I GIVE SOMEONE MY MONEY THAT EASILY.
THAT"S JUST THEY EXCUSE TO KEEP FROM DOING THEIR JOB!!!  I ALSO FILED A DISPUTE ON THESE CARDS (3) TIMES.  AND EACH TIME THEY DECLINED THEM..
MY POINT, WHY HAVE ME KEEP FILING DISPUTES & YOU KNOW YOU ARE GOING TO DECLINE THEM..
NOW I SEE TODAY WHERE THEY SUSPENDED ONE OF THE CARDS. SO IM SURE THE OTHER (2) WILL BE ALSO, TO KEEP FROM REFUNDING ME MY MONEY... WELL, THAT"S ABOUT IT.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-09 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc.
State: UT

Complaint narrative:
Today XX/XX/XXXX at XXXX XXXX  I found out they are trying to collect {$90.00} dollars from a bill that dates back to XXXX and they know it but still harass me. I asked them to stop calling and that 9 years have passed the agent tried to collect while I was on the phone again. So, I told him that I will contact you and hung up. They've been harassing me since XXXX by phone calls and posting the {$90.00} dollar on the XXXX XXXX application I don't know how they are doing that. This is an old bill that is passed the 7 year mark. I want them to take it off the app and stop harassing me. The name of the bill collectors is CBE Group their number is XXXX. These folks are tricksters no ethics they need to be closed down. These agents are probably doing this to all customers that have XXXX  XXXX  names, thinking that they don't understand English and their rights as a consumer. How many people are they harassing?????? I want them to take it off my credit report! Also to stop calling me, and to stop posting it on the XXXX XXXX app that I use for my medical services.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: TX

Complaint narrative:
On XX/XX/2021 I have closed out a mortgage loan with Loandepot. They are suppose to send me the escrow amount but have not done so. They told me that it would take anywhere from XXXX weeks to XXXX  month to send me the money. To this day, XX/XX/2021, I have not got my escrow money and every time I call they are telling me that they have just re-issue the check but I still don't have any money ( they are lying to their teeth ). 

Please do not do business with Loandepot since they will tell you lies after lies so as not to give you your money on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 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 — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY

Complaint narrative:
I submitted a complaint previously because Bank of America had told me that I would not have to make any payments for a credit card I am paying off due to financial hardship I was facing as a result of COVID 19. Not only was their official response more than 60 days late, but their official stance was that even though their customer service rep had failed to inform me verbally that I was still responsible for paying the minimum, they had written it to me in fine print on the back of a letter they had sent me. I still have not been able got verify this and they have not provided me with a copy of this alleged letter. When I pointed out that I could not have reasonably known I was still responsible for making minimum payments during this time without being verbally told so, and being made to believe something else entirely while speaking to one of their reps, they told me basically that this is just how it is. As a result, the credit score I have spent three years rebuilding fell 50 points, hurting my chances of doing things like financing a car and has caused greater personal financial injury. These practices are unjust.

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 2021-11-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HEAD MERCANTILE CO., INC.
State: FL

Complaint narrative:
I pulled my credit report last month ( XXXX ) and the following company was Head Mercantile Inc. 

This company did not contacted me or send me a letter about a debt I owed so that I could dispute it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Now this company is reporting on my XXXX credit report that there is a negative payment on XX/XX/XXXX. This account has been closed since XX/XX/XXXX. So there for there is no negative payment.

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 2021-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Someone used my identity I have filed a police report. 

XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There are some accounts on my report I do not recognize

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 2021-11-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TRANSWORLD SYSTEMS INC
State: AZ

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FDCPA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Now this company is reporting on my Experian credit report that there is a negative payment on XX/XX/XXXX. This account has been closed since XX/XX/XXXX. So there for there is no negative payment.

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 2021-11-09 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: OH

Complaint narrative:
I am not an attorney or third- party rep, there are accounts on my credit report that does not belong to me and believe that this is an act of fraud. I have a legal right to dispute the following accounts : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX/XXXX XXXX XXXX U.S. DEPARTMENT OF EDUCATIONXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PROVIDENT FUNDING ASSOCIATES
State: WA

Complaint narrative:
I applied for a mortgage to refinance my current home loan. As part of the application, an appraiser came to put a market value on my home. During the appraiser 's visit, he wanted to take interior pictures. I asked him not to do so and he complied. The mortgage company contacted me later and said they would not process my mortgage application without interior pictures. I supplied them with interior pictures that I had taken myself, from which I had redacted anything that showed a personal element of my home, such as furniture, photographs, art, and books. I also redacted anything that showed security system elements.

The mortgage application was 100 % complete, absent interior pictures taken by the appraiser himself. The mortgage company informed me that they could not process my application without the pictures, and that after internal review, they would not accept the ones I had provided. The rate lock expired and I can no longer take advantage of the lowered interest rate I would have achieved with this refinance. 

Additional facts that I feel are relevant to this complaint : *The mortgage company involved holds my current mortgage. It is a 15-year mortgage that I have had for 6 years without once missing or making a late payment.

*The refinanced mortgage would have been for an amount that is approximately 10 % of the market value of the home, as confirmed by the appraiser in
his report.

*I provided financial statements to the company that clearly showed I have sufficient assets to pay off the current or refinanced mortgage completely at any time, as well as sufficient income to easily support monthly payments. 

Given the low risk to the mortgage company for this loan, I do not see the need for this egregious invasion of my privacy. I have already allowed the appraiser to enter and visually observe every space in my home. I can not fathom the need for him to also permanently record every aspect of my personal space. I was given no assurance that the digital photographs would be stored on secure devices, would be transmitted only by secure electronic means, would not be shared with unauthorized persons, and would be deleted from all systems at such time as they were no longer needed. I feel I am fully justified in not allowing these pictures to be taken. As stated, I met the mortgage company more than half way in offering to provide pictures I had securely produced myself. I am sure I am not the only U.S. consumer that was affected by this practice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
On XX/XX/2021, I purchased jewelry from XXXX that was advertised as XXXX XXXX XXXX. It was not. I have a letter from XXXX XXXX stating so. I started a claim with Bank of America ( the credit card issuing company ) for the return of my {$63.00} spent on this counterfeit product. After submitting some documents to the bank they issued me a credit for the above amount. Then the merchant submitted documents showing proof of delivery and the bank reversed my credit. The merchant 's submittal discussed nothing about the heart of the problem -- counterfeit product. The bank then sent correspondence to me asking for additional info. I did not respond to this request because the case numbers on their correspondence did not match up, so I concluded that the left hand of the bank did not know what the right hand of the bank had done. Then I got a letter from the bank saying the case was closed because of time and deadline issues. I have since sent documentation to the bank as well as discussing the matter on the phone but have received no satisfaction. I have tried to explain to them that the timelines imposed by the Fair Credit Reporting Act do no apply because this is not a billing error but rather an issue about quality of product. The people I have dealt with do not understand the legal significance of this. Please help

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 2021-11-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: ID

Complaint narrative:
Paid card off in XX/XX/2021 as I do every month since opening card. Didnt use card in XXXX come XXXX receive a bill for {$74.00} for late fee and finance charges when there was a {$0.00} balance. Called tried to talk to the rude customer service girl got to the point I just closed account. She said I had no choice but to pay. I paid the {$74.00} and now Im XXXX a month later I receive another bill for {$42.00}. Card was paid off and account closed. Called again and yet another rider customer service girl who said the same thing pay it there is nothing they can do. I am not going to fall for that again they are financially XXXX XXXX and if I keep just paying on a closed and paid off account they will continue to send a bill with some excuse every month. Enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 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: GA

Complaint narrative:
There are some accounts on my report I do not recognize

Company response to consumer: Closed with explanation