vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Synchrony Bank issued a XXXX XXXX for Cancellation of Debt on a debt they listed ( inaccurately ) as charged off in XXXX and which was litigated in court in XXXX - verdict for me noting that my payment constituted payment in full of the debt. They are intentionally harassing me for a debt they know has been paid in full.

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 2021-01-31 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: CORELOGIC INC
State: TX

Complaint narrative:
Who is Credco. Credco has not supplied the permissible permission to access my credit 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
Consumer complaint received 2021-01-31 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: FL

Complaint narrative:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY PHOTO ID AND SOCIAL SECURITY NUMBER AND OPEN FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.

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 2021-01-31 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: FL

Complaint narrative:
These items have already been removed for the credit bureaus but have came back on my report. I have submitted the things are not mines and they have already been deleted from your reports last year. Please remove these items listed on my attached documents

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 2021-01-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivable Solutions, Inc.
State: NY

Complaint narrative:
I dispute the validity of the alleged debt. The full amount of this medical bill was paid through an employee spending account of my employer XXXX XXXX, having been sent to XXXX XXXX XXXX on XX/XX/XXXX and payment cleared on XX/XX/XXXX. This information along with documentation of claim payment XXXX claim detail # XXXX ) was furnished to XXXX XXXX XXXX on XX/XX/XXXX. Despite my previous dispute of this alleged debt and documentation provided, I continue to receive the same bill and letter dated XX/XX/XXXX from a debt collector named Resource Solutions, LLC threatening collection efforts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On my credit reports there is a closed account with huge amount of missed payments. CAPITAL ONE BANK USA Opened XXXX. XXXX, 2015 Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA CAPITAL ONE BANK USA has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-31 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TFS FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I currently have a HELOC with ThirdFederal with a line amount of {$100000.00}. My rate is Prime minus XXXX with a 2.00 % floor. The rate is for the entire line amount, regardless of the outstanding balance. I inquired to refi as I saw that the offered a rate, Prime minus XXXX. There was no cost to me to refinance. I spoke to a rep. of ThirdFederal who confirmed the rate of Prime minus XXXX. I applied late XXXX and submitted requested documentation on XX/XX/XXXX. ThirdFederal sent me, electronically, disclosures to explain the HELOC. I signed, along with my wife XXXX, the application and an authorization to proceed. Neither signed document included the interest rate. Even though a different document stated that the rate was Prime minus XXXX if the balance was at least $ XXXX, Prime minus XXXX for less than $ XXXX and a minimum rate of 2.24 %, it was still my understanding that my HELOC would close at XXXX minus XXXX as that is what was told to me. We continued with the process and on XX/XX/XXXX I received an approval notice from ThirdFederal/XXXX  XXXX. Their letter stated I was approved with the following terms : Interest Rate : Prime XXXX %, 10 year draw and 20 year repayment and commitment expiration of XX/XX/XXXX. I asked to have the documents sent to me prior to closing to review so the signing of documents could be expedited. In review of the docs, they did not represent what was told to me and what was in their approval letter. The terms of the new HELOC is not a net benefit for me as even though the rate may be lower temporarily, if prime drops XXXX or I pay down to below $ XXXX, it would cost me significantly more money. This is a clear misrepresentation and a bank putting a customer is a worse financial position for their own profit. In speaking with XXXX XXXX, she agreed that the approval letter does not illustrate the true rate or minimum rate. She said she spoke to XXXX XXXX, her manager and is unable to honor the rate that was disclosed to me verbally and in the approval letter. I am writing to you for relief that they honor their approval of Prime minus XXXX for the entire balance with a minimum rate of XXXX  %. I believe that I am not the only person who may have experienced this, I just closely read the documents closely prior to signing. If other applicant 's documents were reviewed, you may find the same misrepresentation. This may be the reason they don't want to honor the rates on my loan as it would open them up for many more errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX did not have permissible permission to access my private information. XXXX XXXX said they would get the inquiry removed months ago, XXXX XXXX claims to have disputed with other companies that have hired XXXX XXXX BUT I DID NOT SIGN ANYTHING AUTHORIZING XXXX XXXX TO ACCESS MY PERSONAL 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 2021-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I got a copy of my credit report from Equifax and found an inaccurate bankruptcy listed and invalidated information reported. Per FCRA 623 ( a ) ( 5 ) : If the credit bureau can not validate the information with the ORIGINAL creditor, they must remove the said information from the consumer credit file. The County Recorder of Deeds and the Bankruptcy Courts have both mailed me letters which state that they do NOT validate or provide information to credit reporting agencies or validate or confirm public records from third party providers such as XXXX. Public Records cant be validated due to the FCRA Privacy Laws. If Equifax cant provide a court order to place this information on my credit report or my authorization of release bearing my signature to report this bankruptcy, they must delete it. Per FCRA, section 609 ( a ) ( 1 ) ( a ), you are required to verify through physical verification of the original signed consumer contract. How are you verifying this bankruptcy, if the Bankruptcy Court and 3rd party vendor XXXX doesnt verify Bankruptcies? I have attached a letter from XXXX that this bankruptcy is not reporting under my credit profile with them. This bankruptcy needs to be removed from my credit within 30 days for violations. If not, litigation will be pending and complaints to the MN Attorney Generals office, Federal Trade Commission and more complaints to the CFPB will be filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31 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: DISCOVER BANK
State: NY

Complaint narrative:
On my credit reports there is a closed account with huge amount of missed payments. DISCOVER BANK Opened XXXX. XXXX, 2016. Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA DISCOVER BANK has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-31 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: Skrill USA, Inc.
State: NV

Complaint narrative:
withholding my available balance from me stating, I need to get verified even though my account had already been fully verified and i could not verify any further, I tried but was prompted that I was already fully verified and that no further action could be taken. Skrill continued to ignore my request to release my current funds in the account and was told that if I close my account my funds would be released to a account of my choice. upon closing my account nothing took place other than Skrill taking my money and ignoring my emails or placing me on hold for hours at a time before hanging up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31 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: GA

Complaint narrative:
On XX/XX/XXXX I mailed in a letter to all three Credit Bureaus to dispute inaccurate and fraudulent information that was being reported on my credit reports. I have not gotten a response back nor have they resolved the the problem. I followed up with a 30 day failure to comply letter on XX/XX/XXXX. All three Credit Bureaus still have not responded nor deleted the inaccurate information. I have also disputed wrong addresses that are on my Credit Files which do not belong to me. XXXX, TransUnion and XXXX  are all violating my rights of responding to my letters in 30 days. I am suffering a lot due to these inaccurate and fraudulent accounts. Please delete these negative and inaccurate accounts and wrong addresses.

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 2021-01-31 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Who is XXXX. XXXX has not supplied the permissible permission to access my credit 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
Consumer complaint received 2021-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I got a copy of my credit report from XXXX  and found an inaccurate bankruptcy listed and invalidated information reported. Per FCRA 623 ( a ) ( 5 ) : If the credit bureau can not validate the information with the ORIGINAL creditor, they must remove the said information from the consumer credit file. The County Recorder of Deeds and the Bankruptcy Courts have both mailed me letters which state that they do NOT validate or provide information to credit reporting agencies or validate or confirm public records from third party providers such as XXXX. Public Records cant be validated due to the FCRA Privacy Laws. If XXXX  cant provide a court order to place this information on my credit report or my authorization of release bearing my signature to report this bankruptcy, they must delete it. Per FCRA, section 609 ( a ) ( 1 ) ( a ), you are required to verify through physical verification of the original signed consumer contract. How are you verifying this bankruptcy, if the Bankruptcy Court and 3rd party vendor XXXX doesnt verify Bankruptcies? I have attached a letter from XXXX that this bankruptcy is not reporting under my credit profile with them. This bankruptcy needs to be removed from my credit within 30 days for violations. If not, litigation will be pending and complaints to the MN Attorney Generals office, Federal Trade Commission and more complaints to the CFPB will be filed.

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 2021-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have asked you guys to look into this issues on my reports and nothing is happening. Please review the documents below

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31 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: CITIBANK, N.A.
State: NY

Complaint narrative:
On my credit reports there is a closed account with huge amount of missed payments.MACY'S/DSNB XXXX XX/XX/2016 Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA MACY'S/DSNB has violated my rights as a consumer and I requesting legal action to remove this account 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 2021-01-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION
State: CO

Complaint narrative:
On XX/XX/XXXX I went to XXXX XXXX in XXXX, CO. It was a XXXX XXXXXXXX XXXX. I was working with XXXX XXXX and felt pressured into buying this vehicle. The vehicle is only worth {$2000.00} but they put me in a loan that when everything was said and done the interests of the vehicle was well over the value of the car. I ended up signing the finance loan and felt a little off. I called my Dad and husband and both told me to tell them I do not want the vehicle and to not take possession. I never took possession of the vehicle and told them in a text and showed up to the dealership later in the day telling them I no longer want the vehicle. I went with a different company and the finance manager, I believe his name is XXXX, told me I had no choice but to take possession of the vehicle. I then called Credit Acceptance, as they are the ones who my loan is through anf told them the situation anf they also told me there was nothing I could do. After doing more research I have a right to say no to buying a vehicle but I would take a penalty I was never offered this. I never left the lot with the car in my possession. They told me it was not ready to leave the lot as they needed to complete some work in the vehicle. XXXX ( again I could be using the wrong name ) was very hostile and told me if I do not take possession of the vehicle he will have it towed to my house and dropped off. I told him again do not do that as I am not taking possession of this vehicle. He then hung up on me and later that day the vehicle wad towed to my house and keys were left on my NEIGHBORS doorstep. No one signed for the vehicle stating it was dropped off with no damages and dropped off at the correct place. I have been told by multiple people to fight this and that the sell was not by the books. I want this vehicle off of my credit. I can not afford two car payments especially on a vehicle I did not want. I have made enough payments that the car itself is paid off. Now all I am paying is interest. Can someone Please help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: PA

Complaint narrative:
Our loan was disbursed to Caliber Home Loans on XXXX XXXX, closing out our service with the company, as we had refinanced with another company. We were expected to receive {$1500.00} left in our escrow 20 business days after the disbursement from the servicer, Caliber Home Loans. This should have been in late XXXX. A month later on XXXX XXXX, we received documentation asserting the loan was paid. We called Caliber Home Loans on XXXX XXXX to notify them that we had not received the balance left in our account. Caliber, assured us that the original check had been sent through the mail. To solve the issue, Caliber put a void notice on the original check and assured us that a second check would be sent in the mail. On XX/XX/XXXX, we sent them a Notice of Error letter, appropriately detailing the lack of disbursement on the escrow. It has been 2 weeks and we not received any type of response for the Notice of Error. I am enclosing the appropriate documents related to the Notice of Error and proof of payment as well as the amounts left in escrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31 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: FL

Complaint narrative:
I have asked you guys to look into this issues on my reports and nothing is happening. Please review the documents below

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 2021-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: DE

Complaint narrative:
Chase Bank Cash deposit on XX/XX/2020 XXXXXXXX XXXX  at the ATM of the branch located in XXXX XXXX XXXX XXXX XXXX In a normal day I Went to the local chase bank to deposit cash deposit like so many times before thinking I can trust the us banking system ..to be able to pay some bills.I took some money from my saving account and went ahead to deposit money into my checking account right after. I got te receipt of the transaction confirming my deposit with the exception of the receipt asking me to call an 1800 number to make sure my deposit went through ... 
Little I knew that I will be the start of a roll a coaster ride and a nightmare from bankers promess to help to managers not following up or being of any help.. to different department telling me after whatever internal investigation we can't locate that deposit and not even a word of apology. For some one who use to work in the banking system I was flabbergasted that my bank stole money from me legally.. as even in third world countries you can't do it and have many rights as asking your branch to look at camera ... Every body was giving me the go around and I had to chase for my own money I work hard to get. Bottom line no answer no help no right unless u willing to take it to court.. no even answer to simple question : like did my bank contract allow me to go to court or binding arbitration- Does the atm belong to chase or a third party ... .At this point it's not even about money but principles and trust. The bank that I trust with my money stole my money!!

Company response to consumer: Closed with monetary relief