vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-07 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:
I Have been an a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! 

This is unacceptable! Please remove this account right away.

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 2021-01-07 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: U.S. BANCORP
State: IL

Complaint narrative:
I paid off a loan with US bank and on the last month they had a different/ lesser amount listed which I paid in full. Then 3 weeks later I look on the app and it says I didnt pay amount in full and was past due. I paid the amount listed, it was an error on their end on two app. I also paid the balance in full within 30 days but they still reported the late payment to the credit bureau. When I called them they said they would have it removed but they did not keep their word. They even waived the late fee so clearly they were at fault.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-07 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On XXXX/XXXX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 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: FL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2021-01-07 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:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

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 2021-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. DEPT OF ED on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

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 2021-01-07 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: CA

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX CARDS CBNA on XX/XX/XXXX ( Reported Identity Theft ) 2. DEPT OF ED on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
For some reasons, my mortgage was transferred from Quicken Loan to XXXX XXXX XXXX on XX/XX/2020. My bank account was charged that month by both companies ( Quicken Loan and XXXX XXXX XXXX ) as they couldn't manage to properly cary over the automatic paiement settings that was in place. That created lots of confusions around the status on my paiements and XXXX XXXX XXXX opened an investigation that is still pending. 
While we are all waiting on the result of that investigation, they keep reporting a debt on my account which hurt my credit very badly, affecting my family and my business reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 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: Mercedes Benz Financial Services
State: GA

Complaint narrative:
XXXX XXXX XXXX - XXXX is reporting erroneously on my credit file. I had previously placed a complaint and I have a few issues with the response. 
As previously stated I set up my account with auto pay as I do with all my accounts to avoid any late payments and when I checked my credit file I noticed a XX/XX/XXXX late. When I noticed this late I called and paid it immediately and even paid a couple month in advance to make sure this issue never happened again. XXXX did not notify me of this late until the late notation had already been reported to my credit file. As a customer who makes ALL of her payments on time this was very disappointing because I had no idea of this late until it ruined my credit. If I would have known there was some sort of issue with my auto draft I would have fixed it to avoid this late notation. I am asking that you please remove this late as a one time courtesy for your long time customer. 
In their response they stated they had a ( 1 ) 60 day late for me and ( 1 ) 30 day late. When I check my credit file I only see the 30 day late for XX/XX/XXXX. NOW this late is being reported for XX/XX/2020. Why is it that they can not remove the erroneous reporting but they can move the late around on my credit file??? 
They stated they made several attempts to contact me but I was not contacted and was not aware of this late until I checked my credit file. AFTER this I received a notice in the mail but the account had already been taken care of. Why did XXXX wait so long to notify of the delinquency? 
I do not appreciate the lack of communication from XXXX and demand the late be removed from my credit file. This is not my fault, I was under the impression that my payments were being made and was not told otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
In the month of XX/XX/2020 my child under age XXXX received a card for XXXX dollars. They have a XXXX XXXX which they use and he asked his grandmother for a card to purchase add-ons to a video game he plays with friends.He used the card to purchase something. He then made numerous charges over the period of weeks thinking that the prepaid card was allowing him to make these purchases. Unknowingly, that they were charging my credit card which was stored on the system. 
I was unaware that these charges until I received my credit statement. They were never authorized or given any permission to make charges to my card. The charges added up to over XXXX dollars and my credit card company Chase also refuses to help me. They are also at fault here. They should have realized that no adult in there right mind would spend over XXXX XXXX dollars in a short period of time to a video gaming system. Terrible consumer protection as far as I am concerned. 
XXXX refuses to help me. Chase also refuses to help. Chase maintains that I " benefited '' from the unauthorized purchases and playstation maintains they delivered the product as asked.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Hey May I ask when do I get a refund for XXXX dollars and XXXX for a refund back to me my name is XXXX XXXX XXXX XXXX the dates are XX/XX/2020 other date XX/XX/2020 thank you

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 2021-01-07 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: MI

Complaint narrative:
I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable! 

Please remove the collection accounts, it is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 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: AES/PHEAA
State: GA

Complaint narrative:
How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-07 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: MI

Complaint narrative:
I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable! 

Please remove the collection accounts, it is not mine.

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 2021-01-07 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/XXXX 30 DAY DEMAND XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Jon Barry and Associates, Inc.
State: VA

Complaint narrative:
In early XXXX I spoke with a woman at paragon revenue group after receiving multiple calls while I was at work. I told her that I was at work and it was not a good time and requested that she call me back after I leave work. She got an attitude immediately, telling me that she wouldn't be calling me back and I have to call her back unless I want to go to court. This woman is the same one I've spoken with several times and every time she has been rude and uncooperative with me in regards to making payment arrangements, even threatening to send me to court because I had no money at that time and was unable to start the payments. After me telling her that I was at work and unable to continue the conversation, I still received calls during my work hours. I made it clear that I am only able to answer my phone during work hours for emergencies. Today I called to make payment arrangements as I am finally able to. A gentleman answered the phone and at first was very helpful until he realized that I wouldn't be paying the full amount. He was very condescending to me during the creation of the payment plan, huffing heavily when I told him that an amount he suggested wasn't financially feasible. After we finally came to an agreement on an amount, I asked for an email or a letter just stating that we had made the payment arrangement. The gentleman became very condescending, even going as far as to laugh at me and tell me that " thats not something they do '' When I asked if he could at least just type me an informal email saying that a payment arrangement was made today with a payment made today and he laughed again and said " Do you know how many hospitals we deal with? How many patients every day? '' At which point I was so disgusted by his flippant behavior, I simply wished him a good day and hung up. We are in the middle of a global pandemic with unprecedented mass unemployment rates ; to use such tactics and attitudes when dealing with a consumer is absolutely abhorrent. If they spoke to me like this, I can only imagine how they've treated those who have lost their job and have debts. A quick XXXX search of the company revealed 86 reviews with a one star average. Reading some of the reviews, their business practices are absolutely ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On the morning of XX/XX/2021 at XXXX I received an email from Capital One stating that they have chose to close both my checking and saving accounts due to not following guidelines. Prior to this incident I reported several times the use of fraudulent activity from foreign countries to the bank, locked my debit card and reissued a new one with the bank and was told that the bank will investigate on my behalf. The bank has failed to protect me on several occasions where my account has been hacked, including countries like XXXX and XXXX where they had access to hundreds of dollars from my account before I noticed. 

the bank itself failed to one contact me when noticing fraudulent activity, which when opening my account many years ago they said they will do and two, they failed to protect me as a customer, I am now out of the country with no access to my funds. No access to any of my accounts due to this on going problem

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I paid off a loan with XX/XX/XXXX and on the last month they had a different/ lesser amount listed which I paid in full. Then 3 weeks later I look on the app and it says I didnt pay amount in full and was past due. I paid the amount listed, it was an error on their end on two app. I also paid the balance in full within 30 days but they still reported the late payment to the credit bureau. When I called them they said they would have it removed but they did not keep their word. They even waived the late fee so clearly they were at fault.

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 2021-01-07 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: AmeriCollect
State: NJ

Complaint narrative:
The account referred to the collection after the payment arrangement agreement. Monthly payments paid as agreed {$35.00} monthly. The collection agency stated that XXXX XXXX said the agreement had a final payment date if not paid in full by that date report to the collection company. I made payments monthly as with Americollect but the representative stated that with the date they had to report it to all the credit report companies which as effective my score by XXXX points. I have all exceptional on my report and now this referral has hurt my perfect scores. I paid the account off in full with Americollect this morning XX/XX/2021 and another account that was recently added to Americollect without even been notified so I paid that account off as well in full. I want this removed from the collection agencies and my score reinstated. XXXX XXXX should be investigated on how the Fair Debt Law applies to consumers/ customers especially sick patients.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation