vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I Have called and i have so sent Proof and verifications of new addresses months before hand and the correct address has not been updated to my credit profile and every address on my profile has not been removed.

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 2020-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I Have called and i have so sent Proof and verifications of new addresses months before hand and the correct address has not been updated to my credit profile and every address on my profile has not been removed.

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 2020-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: OH

Complaint narrative:
Anyone can photoshop these accounts documents for TRANSWORLD SYSTEM INC # XXXX. I requested ASSIGNMENT OF DEBT AND BIINDING CONTRACT FOR THIS ACCOUNT. Which was never provide as this not my debt. 

Please provide agreement, which I have a right to see and I want to know who was involved in the investigation with names, numbers and addresses.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
XXXX/XXXX/2020 {$86.00} - Total Fee {$76.00} - Finance Charge {$10.00} - Late Fee Double charged a finance charge and also charged a late fee. Charge was paid on XX/XX/2020 but billed again on XXXX/XXXX/2020. 

Billing statement lists : XXXX - Paid XXXX - Principal Paid XXXX - Finance Charge Paid {$0.00} - Principal due But outstanding still {$76.00} finance charge. 

Bank of America refused to acknowledge the problem and tried to waive the double fee, pretending like there was nothing wrong. Required 3 hours on the phone to resolve it, during normal business hours on XXXX/XXXX/2020.

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 2020-11-17 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX, XXXX XX/XX/2020 my account was the target of fraud and someone went to a ATM without my physical credit card and withdrew {$1000.00} from XXXX XXXX, CA. I submitted a claim to Bank Of America EDD and was presented with an adjustment credit of {$1000.00} to my account on XXXX XXXX 2020. I received a notice in the mail on XX/XX/2020 that my claim # XXXX was closed because it was believed to have been a subject of fraud and then temporary {$1000.00} credit was then adjusted out of my account on XXXX the XXXX, 2020. I still received my unemployment benefits to my EDD card and have not been able to access the last two deposits due to this negative balance that has resulted from the adjustment. I would like to have my claim reopened as I am in need of my funds and I do not know what else is needed to further substantiate my fraud claim. Speedy assistance and response is greatly appreciated

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 2020-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I Have sent in correct information to all credit agencies to have to update my addresses and remove any old addresses they XXXX have on my personal information still have not done so i need this cleaned up or i will file law suit

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 2020-11-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
Never received documentation from collection agency. I received correspondence from hospital in which I filed a written dispute of and also contacted insurance company. Insurance company advised XXXX  entered wrong billing code and should resubmit. Never received any additional correspondence from either the XXXX  nor any 3rd party. This item posted to credit profile out of nowhere Contacted collection agency they stated they had no record of my name or social in their database. Turns out its under my XXXX XXXX XXXX daughter. I gave them a cease and desist and advised of the circumstance also further advised I have received XXXX communications advising of collection efforts after my dispute and provided call logs where I contacted them and was advised they have no record of me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Frontline Asset Strategies, LLC
State: PA

Complaint narrative:
Issues with company. working with another company the bureaus that keeps sending me debt collection letters but no proof of actual wet ink signature, contract or anything just saying that the debt was brought by them from XXXX XXXX. I never lived in New York and that is where the debt originated from. Issues with company. keep getting hung up on when calling to request a supervisor to handle the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I Have sent in correct information to all credit agencies to have to update my addresses and remove any old addresses they may have on my personal information still have not done so i need this cleaned up or i will file law suit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
{$170.00} XX/XX/XXXX {$170.00}. XXXX XX/XX/XXXX {$170.00} XX/XX/XXXX Charges by the XX/XX/XXXX My bank Suntrust I file for fraud but it was denied.

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 2020-11-17 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: CT

Complaint narrative:
I submitted several disputes with each credit bureau. I have been a victim of identity theft and as a result my personal information was used and compromised. Several accounts showing on my credit report are listed as a result of identity theft. I have contacted XX/XX/XXXX and they are refusing to remove these fraudulent account as well as TransUnion and I am not able to gain access toXX/XX/XXXXso that I can dispute these fraudulent accounts with them as well. I have submitted a verified police report as well as an FTC affidavit as verification of being a victim of identity theft. When contacting XX/XX/XXXX I was told by a representative of the Specialized Fraud Department, that once a dispute is submitted and the company says that the account is yours they will not remove it. This has caused me a major hardship, because my information was stolen and I have been victimized.

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 2020-11-17 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: CT

Complaint narrative:
I submitted several disputes with each credit bureau. I have been a victim of identity theft and as a result my personal information was used and compromised. Several accounts showing on my credit report are listed as a result of identity theft. I have contacted XX/XX/XXXX and they are refusing to remove these fraudulent account as well as XX/XX/XXXX and I am not able to gain access to Equifax so that I can dispute these fraudulent accounts with them as well. I have submitted a verified police report as well as an FTC affidavit as verification of being a victim of identity theft. When contacting XX/XX/XXXX I was told by a representative of the Specialized Fraud Department, that once a dispute is submitted and the company says that the account is yours they will not remove it. This has caused me a major hardship, because my information was stolen and I have been victimized.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: CT

Complaint narrative:
I have spoken with U.S Department of Education, XXXX XXXX XXXX and Nelnet in regards to my student loans reporting incorrectly on my credit report. I have contacted each agency over 20 times and have gotten nowhere. Each representative has instructed me to contact an out source company so that I can pay to get student loans that " were not '' a collection item out of collections. My student loans were in deferment as a result of continuing my education. I was told by XXXX a supervisor at the U.S Department of Education and was told that I had to consolidate my student loans for the error on my credit report to be corrected. I was told that I had to wait until the new consolidated loans to report and to contact them so that the collection reported loans can be removed from my report. The accounts have since reported and these collection still have not been removed from my credit reports. This has caused me a major hardship, because not only am I a victim of identity I am a single mother of XXXX and homeless as a result of COVID.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 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: TX

Complaint narrative:
SUBJECT : Complain against Experian for abating reduction of credit score, reporting delinquency and negative remarks resulting Rejection of Auto Loan by XXXX XXXX XXXX XXXX XXXX and XXXX XXXX, and rejection of small credit byXX/XX/XXXXXXXX XXXX ( my own XX/XX/XXXXXXXX XXXX credit card ). 


Hello CFPB, Because of negligence by Experian, both XXXX XXXX and XXXX XXXX XXXX XXXX, declined my New Vehicle Loan Application based on discriminatory facts. 
XXXX knew about the Fraud that took place and some minimal Debt that was direct result of Identity Theft. There is Fraud alert put by myself. However, XXXX XXXX XXXX XXXX discriminated me possibly assuming that i am a person who is prone to Fraud. 

In fact, all Credit Beaureaus ( including Experian ) are aware of the fact that i was an Identity Theft victim and Fraud Alerts that i have put on my SSN in XX/XX/2020. 
With respect to the Fraud alert and 2 negative remarks on my credit, explanation that a small debt ( late fees and interest only ), were a direct result of Identity theft. These agencies ( including XXXX XXXX XXXX XXXX ) are aware about this. Copies of these documents have been submitted to CFPB and Credit Bureaus in XX/XX/2020 and XX/XX/2020. Also, copies of these documents shall be submitted to the Lenders who have declined me Credit because of XXXX 's negligence, including XXXX and XXXX ( XXXX XXXX XXXX XXXX XXXX ) In spite of full knowledge and documentation and proof that transactions were unauthorized, Experian futher victimized the victim of identity theft ( myself ) discriminated me as a problematic person who is prone to identity theft? 

Experian abaited the Auto Loan Dept. of companies such as XXXX XXXX XX/XX/XXXX and XXXX who went on to reject my Loan based on negative remarks that XX/XX/XXXX reported to Experian, in spite of full documentation and proof that i was in fact victim of identity theft and XX/XX/XXXX has acknowledged this by refunding all 33 transactions ( proof attached ) and acknowledged that the Debt ( late fees and interest ) were direct result of the Identity Theft, which is clear in consumer testimony to the Credit Beauraus including Experian.

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 2020-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
XX/XX/2020 : I submitted a fraud alert on my credit file. 
XX/XX/2020 : Equifax sent a letter acknowledging the action, but my name was incorrect on the letter. 
XX/XX/2020 : I called Equifax to report the error. 

They did not provide me with information on who/when the name change took place. 
They require me to file a dispute and send a copy of my drivers license and SS card. I fail to understand why Equifax does not have any responsibility to verify the accuracy of a name change from a 3rd party. How/who changed it and with what authority? I have no interest in providing Equifax with any identity documentation as they have demonstrated many times that their security is inadequate. I do not wish them to have any information about me and I certainly do not trust them with identity documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: IL

Complaint narrative:
ARS is reporting {$1000.00} in collections to my credit report. I disputed the account because I have health insurance. They verified the XXXX to the credit bureau. When I sent them a letter asking for the medical registration sheet for that balance since I always provide my insurance to my doctors. AS replied that they verified the account. However, they did not send me anything related to what I requested.

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 2020-11-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
On XX/XX/2020 I sent a dispute letter to Portfolio Recovery and all 3 credit bureaus regarding a collection/charge-off. The account is posted on my report twice. XX/XX/XXXXand XX/XX/XXXX is together on one file whileXX/XX/XXXX is being reported on another file. All together the account has a total of 5 inaccuracies. It is well over 30 days and the account still has 5 inaccuracies and it hasn't been updated or removed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 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: EQUIFAX, INC.
State: WA

Complaint narrative:
I wanted to lift the freeze I placed on my Equifax credit report several years ago. When I tried to do this through Equifax 's website, https : //www.equifax.com/personal/credit-report-services/credit-freeze/, I got an error message saying that it could not be doon. 

I then called Equifax at XXXX XXXX  ( today, XX/XX/16 XXXX to temporarily lift my credit freeze. The phone system didn't allow me to do it. When I reached an agent they told me that my account was locked and I needed to wait two hours. 

When I called back later ( XXXX XXXX  on XX/XX/16 ), the phone system once again didn't allow me to lift it. I asked for a human operator to call me back. When they did, the operator told me that I needed to fax scans of my ID to them, wait 3-5 business days, and then re-try the process. 

According to https : //www.consumer.ftc.gov/articles/0497-credit-freeze-faqs and https : //www.consumer.ftc.gov/blog/2018/09/free-credit-freezes-are-here I should be able to lift my freeze in one hour online or by phone, or in three days by mail. In this case, none of those options are working in the described times. 

This is frustrating for me because I'm applying for a home mortgage and this means I am unable to make offers on a home I'm interested in.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have a refund from XXXX for {$510.00} on XX/XX/XXXXXXXX. XXXX told me to wait 30 days before the money refund back to my savings account. So I waited and I still did not receive any money. I called BOA and they said they did not receive any money and XXXX said they already refund the money back to my account.

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 2020-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: UNITED COMMUNITY BANK
State: FL

Complaint narrative:
We paid off our loan XX/XX/XXXX at United Community Bank in GA ( which I believe was sold to XX/XX/XXXX- XXXX XXXX on XXXX our escrow refund of {$1200.00} was supposedly mailed to us. We moved out of state and never received it. 
I updated our address at the bank in XXXX. I called XXXX talked to a person by the name of XXXX she stated she would have it re-issued. On XXXX at XXXX I called again spoke to XXXX she stated she couldnt do anything until 30 days - asked if I could call back after XXXX. Keep in mind its not an easy process to keep calling back. I called back XX/XX/XXXX at XXXX spoke with XXXX after about 15 mins I realized she wasnt much help, I asked to speak to a Supervisor. When she transferred me she sent me to the loss draft department instead of the supervisor line.. each time I have to repeat my information and reverify myself at this point, Ive been on the phone for over a hour. I was then transferred back and specifically ask the man to not blind transfer me to let them know what my issue is, so I dont have to repeat everything again. Well that didnt happen a supervisor XXXX answered stated she was going to escalate my issue XXXX via a form ) and request them to overnight the funds. As of XX/XX/XXXX at XXXX XXXX  I have not heard from anyone. I would like my funds overnighted to me ASAP. 
This is completely unacceptable and a very poor customer experience.

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 2020-11-17 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: TX

Complaint narrative:
SUBJECT : Complain against TransUnion-Consumer for abating reduction of credit score, reporting delinquency and negative remarks resulting Rejection of Auto Loan by XXXX XXXX XXXX XXXX XXXX and XXXX XXXX, and rejection of small credit by XX/XX/XXXXXXXX XXXX ( my own XX/XX/XXXX XXXX XXXX credit card ). 


Hello CFPB, Because of negligence by TransUnion-Consumer, both XXXX XXXX and XXXX XXXX XXXX XXXX, declined my New Vehicle Loan Application based on discriminatory facts. 
XXXX knew about the Fraud that took place and some minimal Debt that was direct result of Identity Theft. There is Fraud alert put by myself. However, XXXX XXXX XXXX XXXX discriminated me possibly assuming that i am a person who is prone to Fraud. 

In fact, all Credit Beaureaus ( including TransUnion-Consumer ) are aware of the fact that i was an Identity Theft victim and Fraud Alerts that i have put on my SSN in XX/XX/2020. 
With respect to the Fraud alert and 2 negative remarks on my credit, explanation that a small debt ( late fees and interest only ), were a direct result of Identity theft. These agencies ( including XXXX XXXX XXXX XXXX XXXX are aware about this. Copies of these documents have been submitted to CFPB and Credit Bureaus in XX/XX/2020 and XX/XX/2020. Also, copies of these documents shall be submitted to the Lenders who have declined me Credit because of XXXX 's negligence, including XXXX and XXXX ( XXXX XXXX XXXX XXXX XXXX ) In spite of full knowledge and documentation and proof that transactions were unauthorized, TransUnion-Consumer futher victimized the victim of identity theft ( myself ) discriminated me as a problematic person who is prone to identity theft? 
TransUnion-Consumer abaited the Auto Loan Dept. of companies such as XXXX XXXX services and XXXX who went on to reject my Loan based on negative remarks that XX/XX/XXXX reported to TransUnion-Consumer, in spite of full documentation and proof that i was in fact victim of identity theft and XX/XX/XXXX has acknowledged this by refunding all 33 transactions ( proof attached ) and acknowledged that the Debt ( late fees and interest ) were direct result of the Identity Theft, which is clear in consumer testimony to the Credit Beauraus including TransUnion-Consumer.

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