vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-30 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Transunion used Capital One monthly statement of my SECURED credit card ( secured with my OWN MONEY ) showing a due balance of {$100.00} on a credit line of {$550.00} to drop my credit score by 151 points from XXXX to XXXX!!! OUTRAGEOUS!!! 

I do not understand why and how Transunion is using this information and how can they decide that {$100.00} out of {$550.00} is a MAJOR PROBLEM!!! 

I called ns poke for over 30 minutes to an agent, nothing happen and I am really upset.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: TX

Complaint narrative:
I made my house payment for XX/XX/XXXX on XX/XX/XXXX. As of now the PRMG portal states I never made a payment and I'm 29 days late as of now. I called mid month and nothing has changed a investigation was scheduled but I'm like what is there to investigate the payment was taken out my bank account where did it go or where is it?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
Bank Of America is reporting a negative balance of {$1100.00} debt on my credit reports which doesn't belong to me, first reported on XX/XX/2018, I've never opened an account with them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland Credit Management Account # XXXX After reviewing the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that this information reporting is being disputed and I ask that you validate this debt.

I ask that this request for validation because I do not recall or have knowledge of this so-called debt. Please provide physical evidence that I have a legal obligation to pay you. That is exactly all I need.

Please provide me with the name of the original creditor, signed contract, the money
owed, and license number. Pretty simple items to ask for.

If you can not provide this information or fail to reply to this validation request within 30 days upon receiving the notice, this account must be deleted completely from my credit report.

I look forward hearing from you to resolve this concern. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
LVNV FUNDING LLC is claiming that I owe them [ {$610.00} ] but I didn't recognize this debt, I do not recall signing any contract to do business with this said company. I suspect Fraud. I have disputed this debt with the credit bureaus, it was once removed but then reappeared on my credit report. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 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: TX

Complaint narrative:
I have previously disputed with TransUnion, XXXX  and XXXX  on XX/XX/2021 regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reporting badly hurt my credibility. I'm certain that my rights as a consumer protected under the law has been violated by this inaccurate 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 2021-07-30 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: PENTAGON FEDERAL CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/XXXX I received a credit monitoring alert that there was an inquiry to my XXXX  Credit Report from a company called PenFed Credit Union. I noticed other similar inquiries on the same day from other entities. I feared I had become the victim of identity theft, and in fact that is exactly what happened. I had several home loan and personal loan type applications made in my name across several companies. 

I called PenFed on XX/XX/XXXX to inquire about the inquiry, and they had no record of it. The rep I spoke to was in the Home Loan department, and indicated it might have been another type of loan, but those departments would not be open until Monday. 

On XX/XX/XXXX I put a fraud alert out on my credit report, I also froze my credit reports, because I feared the inquiries would not stop unless I took this action immediately. 

On XX/XX/XXXX I called PenFed again and spoke to the personal loan department, and the credit card departments. Neither of these departments had any indication that I had applied for a loan with their company. I asked to speak to the fraud department, and I was told they were internal only and that they do not speak to customers. 

Later that week, maybe XX/XX/XXXX, I called again to follow up. Thinking maybe it would take some time to get into their system, but again the rep had no records indicating I had applied for any financial product at PenFed. I worked on the phone with the rep for over an hour creating a report for him to send to the Fraud department, who was supposed to get back to me within 2 weeks. They never reached out.

Meanwhile, since they had no record, I figured disputing the inquiry at XXXX  would be no issue, as they clearly wouldn't be able to validate the inquiry. My disputes to XXXX  on XXXX, XXXX, and XX/XX/XXXX were all denied saying they had validated the information with the lender and that it was a legitimate inquiry for a loan. 

On XX/XX/XXXX I received a letter from PenFed indicating that they have denied my ( fraudulent ) Personal Loan Application. However, they are obviously still treating it as a legit loan application and not as fraud as they have been alerted to on numerous occasions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I regularly check my credit and credit scores and have worked hard to maintain excellent credit. One day I saw that my score was lowered significantly and I saw there was a collection agency listed under my accounts for a last due amount from XXXX XXXX. XXXX  wont assist me, stating that the debt is. I longer theirs and can not be adjusted on their end and the collection agency can not be contacted. I can not find a valid contact number for them. I never received a bill from XXXX  or a notice of debt or an attempt and collection from the agency. I disputed this with XXXX  and XXXX  who will not remove it. They say it is valid but wont say how they came to that assumption

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
Transunion and other CRA 's fail to provide clear, concise, accurate dispute results through obfuscation. If one has multiple disputes with a CRA, there is no way to tell which dispute they are responding to, or even what correspondence they are replying to ; I'm convinced this is intentional. 

These companies ( CRAs ) hold enormous amounts of power over consumers ; They can and do affect the livelihoods of consumers with the 'flip of a switch '. It's not unreasonable for consumers to expect communications from CRAs to be accurate, unambiguous and timely. In my humble opinion, the law demands it! 

Ambiguity is common practice with the CRA 's and needs to stop. They are, in my opinion, intentionally making it impossible to dispute inaccuracies in a timely, efficient manner.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This is the 10th time that I have contacted these two reporting agencies and I'm disappointed in the lack of integrity that these people take to hold our credit reports! FIX THIS ASAP! I've paid PERFECT payments since XX/XX/2018 and you need to report this on my credit!!! My score has dropped since you stopped reporting it! So put this back on now! I have PROOF that this account is {$5000.00} limit and I've made perfect payments since opened! So report it! XXXX  is reporting it so YOU NEED TO REPORT AS WELL! ACCOUNT # XXXX XXXX XXXX {$5000.00} limit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 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: MAJR Financial Corp
State: NY

Complaint narrative:
This is the 10th time that I have contacted these two reporting agencies and I'm disappointed in the lack of integrity that these people take to hold our credit reports! FIX THIS ASAP! I've paid PERFECT payments since XX/XX/2018 and you need to report this on my credit!!! My score has dropped since you stopped reporting it! So put this back on now! I have PROOF that this account is {$5000.00} limit and I've made perfect payments since opened! So report it! XXXX  is reporting it so YOU NEED TO REPORT AS WELL! ACCOUNT # XXXX MAJR FINANCIAL {$5000.00} limit

Company public response: Company believes complaint relates to a discontinued policy or procedure
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: U.S. BANCORP
State: FL

Complaint narrative:
I have a promotional balance with my credit card that is expiring within the next two months - Ive applied XXXX in payments to pay off the promotional balance. However, US Bank is refusing to allocate the payments to the promo that is expiring. They will only allocate the payments to the remaining balance which means Ill never get this card paid off. The practice to not allow a customer to allocate a payment to a promotional balance within the last two months of the promotional period is an abusive practice as it doesnt allow the customer to pay off their promotional credit. 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 explanation
Consumer complaint received 2021-07-30 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: Lendmark Financial Services
State: PA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple 3 Bureaus Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EMCC Holdings, LLC
State: OK

Complaint narrative:
This account is not authorized and is therefore fraudulent. I only agreed to in house financing and not third party loans. They sold my information to another company that opened an account under my name without my consent. My personal information has been breached. It is not authorized and I have never given permission for it to open and charged. Please remove this account from my credit report, all of the inquiries, and block them from placing these unauthorized account on my credit. I am a victim of fraud and theft. I have requested multiple times for verification of this account and send out disputes on the following dates : XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 but Ive had no responses. Ive sent out disputes & validation requests to the credit bureaus as well. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.

Complaint narrative:
According to Coinbase, on the XXXX of XX/XX/2021 at a transaction that XXXX XXXX  a transaction that I made did not go through, and I owe them a Balance of XXXX GBP. Coinbase states that if this balance is not settled within 5 Working days that this amount will be withdrawn automatically from my account. In the meantime all assets have been frozen. It has now been 6 working days and that amount has not been taken to settle this balance. 

When I first noticed this issue on the XXXX of XXXX I immediately tried to pay the balance off. Although, I have no clue why it was there in the first place. I used my XXXX Wallet on Coinbase, which has a balance of XXXX, so more than enough to settle the score. Coinbase says it is unable to process my payment and to try a different method. I have tried also using my XXXX  Wallet, XXXX Wallet, XXXX  Wallet, and every time Coinbase says it can not accept my payment. I contacted customer support on the XXXX of XXXX explaining the issue, to which they sent me a generic response at XXXX on XXXX XX/XX/2021. I immediately responded stating that they had not properly read my grievance, and sent them screenshots to illustrate the problem. They responded at XXXX stating that my Case ( # : XXXX ) was transfered to a specialist to help with the issue. It is one week later and I have not heard back. I have contacted them on the XXXX, XXXX, and today the XXXX of XXXX to no response via email. 
In between the XXXX of XXXX and today the XXXX of XXXX, I have gone on to Coinbase multiple times a day to try and make the payment, each time it does not work and gives me the same response " try a different payment method. '' During this period of my assets being frozen, I have been unable to buy or sell my assets, and have missed ample market opportunities.

I've also tried contacting Coinbase Support Team via XXXX today the XXXX of XX/XX/2021, to which they responded stating they have notified a 'Specialist ' to handle my case. 

This is unacceptable, and as far as i'm concerned, market manipulation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-30 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: MI

Complaint narrative:
A Bankruptcy reporting on my Credit Report. Which is a violation of my right, knowing the fact that the United States Bankrupcy Courts Do Not report individual bankruptcy case filing data to any credit reporting Agencies, nor do they update any infomation directly to the Credit Bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Atlantic Recovery Solutions LLC
State: FL

Complaint narrative:
Ive been out of work due to being sick and Ive told the representative numerous times that. He proceeded to keep pushing the issues that payments need to be made and I have knowledge of that. He repeatedly kept cutting me off when we spoke and when I said I couldnt make any payments he the. Said his client would be in my county to take the items back. This was rude and honestly Im appalled at the level of professionalism. 

The collection company name is Atlantic recovery XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I had a credit card with comenity bank, that i paid in full on XX/XX/2021, they kept charging me trailing interest and late fee over the trailing interest which I kept paying, no explanation as to why they kept charging me, the last fee was paid off in XX/XX/XXXX, they reported me late XX/XX/XXXX, I am in the process of buying a property and my credit score when down significantly, and now I am facing losing my EMD deposit of XXXX, because my fico is too low for the program that I am currently doing, my closing date is XX/XX/2021, and we dont have enough time to switch to FHA financing. 
please help. 

thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Block, Inc.
State: GA

Complaint narrative:
I sold a personal item online the buyer wanted to use CashApp. I did not have experience with this app. I preferred XXXX or XXXX. The customer had experience with CashApp and supported them. I sent her a payment request for {$380.00}. Cash App removed the money from her account and never placed in my account. They then said my credit limit needed to be increases to accept the transfer. I had to ask her to send {$420.00} which cash app said they would replace into my account plus the original {$380.00}. This was done on both buyer and seller side. I then had to verify my identity which I did. Sent them drivers license and SSN. 72 hrs later i am out {$800.00}. Cash App has been unresponsive

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 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: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
On XX/XX/2021 Wells Fargo received a Cease and Deist by certified mail. Attached is the proof of delivery, cease and desist and invoice. Wells Fargo is to cease and desist all forms of communication with me through all mediums. A consumer report is in fact a medium. And by reporting the account it is a indirect communication. By not deleting my account from all credit reports, Wells Fargo is in direct violation of my Cease and Desist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: STATE EMPLOYEES CREDIT UNION
State: FL

Complaint narrative:
I made a payment via electronic transfer directly from my checking to the my mortgage account, ( Mortgage for XX/XX/XXXX) on Saturday XX/XX/XXXX. The credit union, NC State Employees credit union, did not post the payment until XX/XX/XXXX stating that the payment was made after XXXX. That has nothing to do with the date that I transferred the payment over.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Hello, my name is XXXX and I received my credit report to find that things were put on my report that was not authorized by me, I didnt give anyone written consent.

Company response to consumer: Closed with explanation