vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-10 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: MO

Complaint narrative:
On XXXX XXXX I was involved in a head on collision that left the XXXX XXXX XXXX completely totaled. The XXXX was towed to the tow lot while I was rushed to the XXXX XXXX. I called XXXX XXXX XXXX to inform them what happened. They explained to me that the car had Gap Insurance on it and that if it was completely non salvageable that it would be taken of my record. I called the XXXX XXXX lot to check the status of the car they stated it was in the lot still. For 3 mths I was given the run around from XXXX stating their insurance person said it is not salvageable and that they couldn't use it for parts. I called the tow lot to see if I could get my belongings in the car the tow lot supervisor instructed me that I could do a release of property with them. I went to complete the process and was told that XXXX picked up the car. I called XXXX where they stated they hadn't picked it up and than referred me back to XXXX XXXX XXXX. XXXX XXXX Lot stated it was picked up on XXXX XXXX by XXXX. XXXX than stated they picked up it as a REPO, which in their definition a REPO is for Non Payment not due to a accident. My XXXX was still and still is in the XXXX XXXX  Lot waiting to be auctioned off. According to the tow lot they can't auction nor go in the car due to it being a XXXX with XXXX  and XXXX on the driver and passenger seats. The windshield and back seat having extensive damage. The car is in no shape repairable nor able to have parts sold from it. 
On the credit report XXXX stated it was a natural disaster but on the next line stated it was a Repossession. My car note was due the following week of my accident and when I called to info the lender they stated they hadn't known about it but would know within a few days and appreciated me calling right after it happened and that it would be written off since it was due to a accident and they would send an adjuster to verify the damage. I stated I was going to have my adjuster come out XXXX stated that would be fine but I later found out they sent a request for their adjuster to go out and I was charge for him to go out as well as for XXXX moving the car from the XXXX XXXX to the other parking lot instead of allowing it to sit until I had received my belongings or spoken to both XXXX XXXX and XXXX to find out the next steps in this horrible ordeal. 
The report states a natural disaster and repo it isn't the later part but the natural disaster, I just want this to be solved and me to stop going back in fourth communicating with parties that should've properly document and spoke to me regarding the car situation since it was mine and I had majority belongings and business artifacts in the car.

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 2021-02-10 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: SECURITY FINANCE CORP
State: TX

Complaint narrative:
I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information.

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 2021-02-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: ID

Complaint narrative:
In XXXX of XXXX, I was Pre-Approved by USAA Federal Savings Bank for a loan of {$380000.00}. This was based on several facts that I submitted to them in my application : Estimated Annual Self-Employed Income of {$75000.00} Credit Score of XXXX Minimal Debt ( I had a balance on a credit card of $ XXXX but I paid the credit card off each month ) Retirement Assets of $ XXXX Understanding I was pre-approved, I started looking at homes and found one with a purchase price of {$350000.00}. I made an offer and was thrilled when they accepted it. I then put my earnest money of {$3000.00} down on the house. 

After that, I paid for a home inspection for {$350.00}. Pleased with the results of the home inspection, I told USAA Federal Savings Bank I would like to purchase the home. 

My Loan Officer informed me that the next step would be for USAA to come out and do an appraisal for {$620.00}. I agreed to this, the appraisal was conducted, the appraisal matched the money I agreed to pay for the home. USAA would now move forward with my loan. 

HOWEVER, much to my surprise, after spending {$3900.00} that was not refundable, USAA Federal Savings Bank declined my loan. When I asked why, they said they could not consider my self-employment income until I had two years of 1099s to prove my income. 

This is where my complaint comes in. If USAA Federal Savings Bank had no intention of giving me a loan due to my lack of self-employment income history they : 1. Never should have pre-approved me ; They should have notified me at that time that I needed 2 years of self employment income history 2. Never should have let me put down earnest money 3. If overlooked during the pre-approval process, they still should not have let me spend an additional {$350.00} on a home inspection and {$620.00} on an appraisal done BY USAA!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 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: MI

Complaint narrative:
Something is very wrong here : I believe My XXXX, TransUnion and XXXX scores are being manipulated by the credit bureaus out of retaliation for the complaints I have filed. 
Facts : On XXXX My XXXX score was XXXX - 7 Neg accounts, 1 collection for {$9500.00}, overall credit usage at 35 %, Total Debt {$22000.00} XX/XX/XXXX ; NOTHING CHANGED SCORE up to XXXX On XX/XX/XXXX. XXXX, A few good changes : Collection account was remove, Number of late accounts dropped from 7 to 6, Overall credit usage a bit higher to 39 % ( Score dropped to XXXX ) XX/XX/XXXX : MORE GOOD CHANGES : No collection, Credit usage dropped to only 16 %, Total debt dropped from {$22000.00} to {$7800.00}, Credit card debt dropped from {$6200.00} to {$2700.00} and a XXXX Charge Off for {$20000.00} was changed to settled yet my Score barely increases to XXXX So how do I have all these improvements, no other negative accounts and my score doesnt change? 
Take another look : On XX/XX/XXXX, I had a collection account, 7 Negative accounts, Credit usage of 35 %, total debt of {$22000.00} and my XXXX CREDIT SCORE WAS XXXX On XX/XX/XXXX, I had the following Positive changes in my overall credit report : The collection account was removed, Overall Credit usage dropped considerably from 35 % to only 16 %, Negative account dropped from 7 to 6, Total debt dropped from {$22000.00} to {$7800.00}. My total Credit usage amount dropped from {$6200.00} to {$2700.00}, yet get this My XXXX credit score barely increased by 3 points to XXXX. How is this possible, especially since it is well advertised that Overall Credit usage is $ 35 % of our combined score and mine usage dropped from 35 % to 16 %? 
Additionally, XXXX is WAY WAY WAY off and always has been, look at the number of account amount owed and debt with XXXX compared to XXXX and TransUnion. I have tried correcting this for years and XXXX has done nothing. 
This errors cost me thens of thousands each year. That/s just me, imagine the damage to all Americans. 
****I guarantee the response I get from XXXX TransUnion and XXXX will be vague and not address the issue. 
This is one of many reasons why President Bidens plan to get rid of the Credit Bureaus will help over 100 million Americans. As all three Credit Bureaus have my information wrong, my score is inaccurate and numerous differences between each bureau.

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 2021-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Original Complaint ID # : XXXX Issue not addressed by TransUnion. Please see fair resolution to this issue in detail below before responding ... 

On XX/XX/XXXX, I received a renewal letter for my renter 's policy from my insurance company, XXXX XXXX XXXX - Underwritten by : XXXX XXXX XXXX XXXX XXXX XXXX. I have had this same policy across multiple addresses over the past five years with the rate remaining the same. In fact, the newest address that was covered under this policy, saw a reduction in the policy premium for XXXX. However, within this renewal, my yearly policy premium went from {$250.00} to {$320.00} - a 26.5 % increase. I called XXXX on XX/XX/XXXX to inquire about the drastic change in premium. I spoke with XXXX, who at first claimed it was because of the address change. However, when I informed her that there was actually a credit to my account with the new address, she told me it was due to the " consumer report information. '' XXXX directed me to call Trans Union XXXX, Consumer Relations - East at XXXX to receive a copy of the same report they based their increase in premiums on. Later the same day on XX/XX/XXXX, I called Trans Union and spoke with XXXX. I asked XXXX for the report that XXXX pulled. He assured me that I would receive the same copy that XXXX pulled on XX/XX/XXXX. However, when I received the report on XX/XX/XXXX, it was dated XX/XX/XXXX - the date when I called and spoke with XXXX. I then called Trans Union back on XX/XX/XXXX and asked to speak with a supervisor. I was transferred to supervisor, XXXX, who informed me that they could not provide me with the same report that XXXX used in their decision to raise my rates.

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 2021-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Arbor Professional Solutions, Inc.
State: IL

Complaint narrative:
I proceeded to call this company to see if they had gotten my police report the lady that answered was very sweet how the guy supervisor who ever he was so disrespectful when I asked to get a letter of them canceling this account as he told me they were he In turn told me I would get nothing saying anything because I filed a complaint with the CFPB so rude and began being very nasty after us where I hung up the phone I was the victim of this fraud account. He made me feel like I was the perpetrator this company should be out of business.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: American Collection Services, Inc. (OK, TX)
State: OK

Complaint narrative:
On XXXX XXXX, XXXX, XXXX XXXX, XXXX, and XXXX, XXXX, I notified XXXX XXXX XXXX XXXX XXXX XXXX XXXX that I have noticed Collection Agency Information located on my credit reports. Also, credit reporting inaccurate & incomplete information without proper notice and validation of the debt may violate the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Ive written to the Collection Agency to notify them of their unlawful mistake. Furthermore, XXXX never properly contacted me concerning any debt owed with a balance of {$19.00}. However, I have disputed a similar debt from a different debt collection agency in XXXX of XXXX. I also requested that the debt collection agency send a copy of my dispute letter to the original creditor to ensure XXXX is aware of my dispute with the debt. The collection agency never responded to me. Finally, there is more than one person with my name in the database at XXXX. I respectfully asked for XXXX  to promptly inform me in writing of the results when XXXX has finished with its investigation regarding this medical bill of {$19.00} at my address. I did not receive a response from XXXX For transparency, I informed XXXX  that I may file this letter as a complaint with the Oklahoma Attorney General as well as the Consumer Financial Protection Bureau ( CFPB ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 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: OK

Complaint narrative:
The Credit Bureaus have stated that they have verified a bankruptcy on my credit file as accurate and it was verified with the USBK COURT XXXX OKLAHOMA. Which is incorrect. 

I have uploaded the letters that describe the issues I am having..

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 2021-02-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am writing in today regards to my account with Capital one Account # XXXX specifically the lates reported XXXX XXXX XX/XX/2020. Unfortunately due to Covid I was unable to make those payments due to Covid. As soon as I was able to I made the payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I have had a store credit with Comenity since XXXX I have never missed a payment. Not only haven't I missed a payment, I have paid my entire balance. My line of credit was {$1400.00} until today. The account was accessed by an unknown person rather it was in the bank of comenity or someone who called and pretending to be me, and my credit was decreased to {$100.00}. This being after I have already paid my entire balance, with no missed payments.. ever. There have been no other changes to my information at all. I am being severely financially abused and harassed. All of the clothing which was purchased from the store has been ruined inside my home, and is covered with insecticides, and other powdery substances which are deteriorating the fabrics. I am a victim of terror.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 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: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
After carefully reviewing the credit card statement, there were unfair credit billing with your credit card practices. I would pay the monthly statement online on the due date but your system says that I did not pay until the next business day. I was charge late fees because of this. Please send me proof of charges. What was the prime rate for finance charges?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 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: Commonwealth Financial Systems, Inc.
State: GA

Complaint narrative:
Common Wealth Financial Services has not provided legal validation of this debt and has not provided any signed contractual obligation which is binding on me to pay this debt. What constitutes legal debt validation is the following : Complete payment history, the requirement of which has been established via Spears v Brennan 745 N.E.2d 862 ; 2001 Ind. App. LEXIS 509. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the original creditor.

None of these items have been presented to me.

Under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in TWYLA BOATLEY, Plaintiff, vs. DIEM CORPORATION, No. CIV 03-0762 UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, 2004, the courts ruled that reporting a collection account indeed is considered collection activity. 

Since you have not supplied proof under the doctrine of estoppel by silence Engelhardt v. Gravens ( Mo ) 281 SW 715 719 I presume that no proof of the alleged debt nor therefore any such debt in fact exists. 

This is inaccurate reporting. Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 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: OH

Complaint narrative:
Pulled my credit report and a medical account was added I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 XXXX, to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX # XXXX, XXXX # XXXX, XXXX # XXXX to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than to XXXX # XXXX, XXXX # XXXX, XXXX # XXXX is to only be revealed with the patient 's authorization, therefore my request is two-fold and as follows, Validation of Debt, and HIPPA authorization.

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 2021-02-10 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AmeriCollect
State: WI

Complaint narrative:
Called to collect a debt that was not backed up with details on how I owed the debt. I have not seen any evidence that I owe this debt. When asked to send me a copy of the forms I signed, or treatment details to my address on file, I have yet to receive anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.

Complaint narrative:
i deposited XXXX XXXX in my coinbase account ( XXXX ), they freeze my account so i cant withdraw my balance. 
i tried to contact them many times but no responding. 
they freezed it since XX/XX/2020 till now

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
There is a report out that Bank of America provided personal financial information to the government. I have not seen any evidence that they obtained this through legal channels such as court orders. I am a Bank of America customer and would like to have answers to this. 

XXXX XXXX XXXXXXXX A spokesman said All banks have responsibilities under federal law to cooperate with law enforcement inquiries in full compliance with the law. 

Is this accurate? I thought the RFPA was designed to prevent this very thing. The act was intended to prevent government overreach of consumer financial records. Obviously some of that changed with Patriot Act ( which is unfortunate ) but that has since expired. 

https : //www.federalreserve.gov/boarddocs/supmanual/cch/priv.pdf I would imagine they might cite the Bank Privacy Act. I just can't see how being in DC would give enough cause to suspect you as a terrorist. I would imagine 700,000+ residents would not be happy with that label. 

Did Bank of America do this? 

Was Bank of America provided court orders to release individuals information? 

Why do they think this doesn't violate Fourth Amendment or RFPA?

As you are the Bureau of Consumer Financial Protection, I would like to understand if you believe this is legal and why. 

I would like to know if Bank of America committed illegal activity and violated either law or the Constitution in the actions taken in XXXX. 

I would like to know what other Banks the government reached out to and if they complied or did not comply. In the article above, it specifically reached out to XXXX XXXX, XXXX, and XXXX. Other banks? 

We need your protection more than ever.

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