vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My name is XXXX XXXX, and my grievance is with the following : Experian credit reporting agency, XXXX XXXX is the representative from Experian, moreover they've move my credit file to some department they reference as their Special Services Department, Experian 's Representative XXXX XXXX has been extremely rude, furthermore he has been exhausting and very difficult to deal with ; I've complained about the unauthorized hard credit inquiries listed on my credit report, XXXX XXXX has refuse to take my dispute for the hard inquires, XXXX XXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX . The next issue is XXXX  XXXX XXXX, They've have reported a settled account using totally different verbiage than originally agreed to ; they agreed prior to the me paying, that they'd add the following statement to my credit report '' XXXX shall consider the Borrower 's account to be settled, and shall notify the credit reporting agencies that it reports to that Borrower 's has been settled in full. They've reported something completely different '' Legally paid in full for less than the balance and caused my credit score to drop more than 50 points, this has adversely effected my credit standing, for the next 7 years. They should immediately correct the language, more XXXX XXXX also stated that this would not negatively impact my credit report, they've made false promises to get me to pay in advance. the original loan was for {$15000.00} and they collected initially {$500.00} for themselves, I've paid out over {$20000.00} on this loan, do to Covid 19 they offered a settlement directly, moreover more importantly, they said it would not impact my credit reporting, as long as I paid the agreed amount with in a certain time period.

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 2021-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/2021 I faxed over an investigation request in regards to the XXXX Car account # XXXX ( see confirmation attached ) via CFPB fax number I got no response from Transunion or from anyone for that matter. I once again on XXXX XXXX faxed over via the CFPB fax number a second request to investigate ( see attached confirmation ) I got no response again from anyone. Failure to investigate this matter should result in removal of said 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 2021-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I recently reviewed my credit report and found unauthorized inquiries. I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : XXXX. XXXX on XX/XX/XXXX XXXX. XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX XXXX  on XX/XX/XXXX XXXX. XXXX XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX on XX/XX/XXXX. I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below and I have included proof of my social security and current address to avoid any delays in your response time. I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
i wanted to remove my credit card number from Experian.com. There is an option to change your credit card but no option to delete your account. Additionally when I changed my password, I discovered that their online security is very weak. 

I expect much more from 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 monetary relief
Consumer complaint received 2021-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION
State: MI

Complaint narrative:
I was a customer of Simple, backed by BBVA. BBVA decided to close simple and was supposed to migrate accounts on XXXX. To say they were wholly unprepared is an understatement. Accounts are frozen, it has been 3 days with no access to online or mobile accounts. I can not get in to see my account balance. XXXX users are also saying BBVA refuses to waive fees for transferring money away. There is no transparency, no one is answering the support line ( in fact it just hangs up on us ). I have tried 7x ( different support numbers ) and gotten nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On or around XX/XX/XXXX of 2021 I pulled my credit report to get an update on my current standing. On the report showed 2 accounts that were unverifiable by myself. I proceeded to write to the lending institutions to request " DEBT VALIDATION '' specifically and not debt verification. I did not receive said validation in their response to me. I then went ahead and filed a dispute letter with all 3 credit bureaus about these accounts and stated in the letter that whatever conclusion they come to i would like written proof of their investigations and findings. All 3 credit bureaus sent me a letter saying the debt had been verified along with a copy of my credit report, but no proof of how it was verified. I have written them several more times since then and they have repeatedly have given me the same response regardless of the fact that i have been demanding proof of validation of said debts. I believe that all 3 bureaus ( Transunion, XXXX  XXXX XXXX ) are all in violation of FCRA statutes.

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 2021-05-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: TX

Complaint narrative:
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that IQ Data International would verify the debt. So I took it upon myself to ask IQ Data International for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There is a Unknown yet validated account reporting with a partial reference/account number # XXXX which I have been advised by legal counsel is out of compliance with the FCRA XXXX I XX/XX/2020 I contacted the Fair Trade Commission in regarding a suspicious and unknown account found to be reporting on my credit by Equifax. After numerous written requests to remove the inaccurate information I mailed the furnisher and included written Notice to Furnisher of Information detailing their obligation and duty to correct and update inaccurate information as per the guidelines advised by the FCRA. The federal Fair Reporting Act ( FCRA ), 15 U.S.C. 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). I received no reply and subsequently with advise by the FTC to contact the bureau still reporting the inaccurate fraudulent account therefore, I wrote letters to Equifax detailing the ID theft on XX/XX/2020 and again XX/XX/2020 I advised Equifax of the Identity theft and the fraudulent account and to date I have yet to receive a response and the fraudulently opened accounts is still being reported to Equifax by the unknown furnisher ( See attached copies of letters of dispute mailed ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
Late payment made on XX/XX/XXXX including full amount of {$130.00} and {$2.00} Interest Charge for a total of {$130.00}. I was told by a representative the {$29.00} late payment fee would be waived as a courtesy. The fee was not taken off and the account continued to accrue late payment charges on : XX/XX/XXXX : {$2.00} XX/XX/XXXX : {$31.00} XX/XX/XXXX : {$2.00} XX/XX/XXXX : {$40.00} XX/XX/XXXX : {$2.00} I was contacted on XX/XX/XXXX and I informed the representative of the situation. She claimed there were no notes in the account and advised me to call back and speak with a supervisor. 
On XX/XX/XXXX - Mother 's Day I was contacted 4 times in 4 hours starting at XXXX XXXX PST. 
XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX  On XX/XX/XXXX I called and spoke with both a representative and supervisor that both stated there were no notes regarding the original late fee, but they could waive all the late fees provided I paid the {$6.00} in finance charges. I paid to keep my credit from being ruined, but if the original fee was taken care of as I was told there would be no additional fees. To my knowledge the account was brought current on XX/XX/XXXX when I made the full payment including finance charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I bought a XXXX XXXX parts set for {$760.00} and during checkout, I realized that they do not accept any other means of payment but straight withdraw from my bank. Yes, it was stupid of me, but the price was good and my greediness took over, so I decided to give it a try. After couple of weeks tried to reach those guys over the email - no response. I was lucky to be able to talk to the same guy 3 times over the phone after hundred tries. I was told to wait two weeks all three times. And here I'm - it is already XXXX and no parts, no responses and nobody picks up a phone anymore. Interestingly that another company took care of the money transaction : XXXX XXXX XXXX, which has an address : XXXX XXXX XXXX # XXXX, XXXX, California, XXXX. The phone number is XXXX XXXX XXXX XXXX. I made some search on internet and found out that XXXX was established in XXXX of 2020 and since than some more people filed complaints about being cheated for about the same amount with XXXX and some wrote to other media company that help to spread info about fraudulent websites and merchants.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America charged my credit card with an item I did not purchase. After 10 months, they eventually recognized that I had not made nor authorized the purchase and removed the charge from my account. However, they continue to charge late fees and interest on the fraudulent charge. I have not made any further purchases on this card and have asked them to remove all of the late charges, fees, and interest and close this account. They have not.

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 2021-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
Multiple hard inquiries with no permissible purpose

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 2021-05-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: TX

Complaint narrative:
I have been in COVID-19 forbearance since XX/XX/XXXX. I was 2 payments behind at the time the forbearance began, however I would not have requested the forbearance if the country had not shut down due to the pandemic, as I was working two jobs and able to make payments at the time. 

In early XX/XX/XXXX I reached out to my servicer to begin the process of ending forbearance. They requested additional information multiple times, which I provided. I finally received confirmation that they had all the documentation that they needed in late XXXX. I received the final verdict of the loss mitigation, and was surprised to be denied all available loss mitigation options. After 2 months reviewing my information, all of which documents that the forbearance was COVID-19 related, it appears that my loan servicer did not look into pandemic related support for my mortgage. 

According to the determination, I am required to pay {$24000.00} in order to maintain my loan. I do not have access to this amount of money, and from my understanding of Pandemic legislation, my servicer can not request a full lump sum reinstatement since I have an FHA mortgage. 

I am submitting an appeal today, XX/XX/XXXX. However, I am very concerned as the documentation states that if my appeal is not approved, I will have to pay the full amount by XX/XX/XXXX in order to keep my home. I feel that I have been mislead throughout the process, with documentation stating that there would be multiple options for paying the missed amount back. I am both shocked and scared that my institution is now stating that I have not options.

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 2021-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I received the PPP Forgiveness Loan on XX/XX/2021 through my Capital One personal checking account. Since then my account has been frozen due to me receiving a business loan in my personal account ( which is not illegal ). Since then I have submitted legal documents proving my loan is authentic. Today is XX/XX/2021 and I still do not have access to my funds and still no real update of when I will have them. Ive been told many many times that my account will be closed and my funds will be sent back to the lender but nothing still has not been done. Plus the bank is still collecting interest off my money and I cant even touch it. I was even told the secret service was investigating my case. Ive been patient long enough this is a cry out for help. Please help me and my family. 

Lender- Capital Plus Financial Lending AgencyXXXX XXXX XXXX Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Medical Data Systems, Inc.
State: FL

Complaint narrative:
This is a continuation of corruption committed by XXXX as XXXX has targeted me to continue holding my credit file hostage. XXXX deleted on XX/XX/2021 disputed information regarding MEDREVSVC ( Medical Data Systems, Inc ) Facts : XXXX deleted on XX/XX/2021 disputed information regarding MEDREVSVC ( Medical Data Systems, Inc ). EXHIBIT E 1. EXHIBIT A ... ... XXXX XXXX XXXX on XXXX XXXX, 2021 forwarded a dispute on my behalf with XXXX demanding that XXXX remove information that has been identified as information being reported as a result of Identity Theft. 

2. EXHIBIT B ... Is the identity theft report filed with the XXXX XXXX XXXX  demanding that XXXX remove information that has been identified as information being reported as a result of identity theft. 

3. EXHIBIT C ... ... The Florida Office of Financial Regulation received a complaint from me against Medical Data Systems Inc. regarding violations of the FDCPA, FCCPA, Libel, FCRA, and Intentional Infliction of Emotional Distress. 

4. EXHIBIT D ... .Medical Data Systems Inc. forwarded a letter to all three credit reporting agencies and asked them to remove the information from my credit file. 

5. EXHIBIT E ... ..On XXXX XXXX, 2021 XXXX reinserted information it has previously deleted on XXXX XXXX, 2021 regarding the MEDREVSVC ( Medical Data Systems , Inc ) even after Medical Data Systems Inc. forwarded a letter asking XXXX to remove it. EXHIBIT

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 2021-05-10 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: HEAD MERCANTILE CO., INC.
State: OH

Complaint narrative:
My initial complaint was filed in XX/XX/2021 regarding misleading, unprofessional and abusive language with the SOS group. My case was marked closed and I received a call from a supervisor stating that I was lying but if I modified the complaint they would remove the report from my credit. I agreed, only to save my once perfect credit. I asked if updating the complaint so show I was satisfied and they handled it properly would be enough. They said yes. I did so immediately upon hanging up. 

Two months later in XX/XX/2021 I filed a new complaint because they had yet to follow through with their end of the deal. 

Today, Monday XX/XX/XXXX I get notice the complaint was closed yet again with no resolution. The SOS group stated again that I was untruthful about my original complaint and that they got no noticed I rescinded the original complaint so at this point they will not be removing it. I have proof my original complaint was amended-exactly how I asked if it could be-and they are again not following through their end of the deal. 

They are aware my finances and health were ruined due to this medical event-the reason I am in collections- and therefor can not afford a lawyer to fight them and I fully believe they are taking advantage of that.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Account Resolution Corporation
State: MO

Complaint narrative:
I have discovered this company reporting inaccurate information on my credit report, and after sending them several disputes and receiving nothing at all, I have also discovered it is my right to demand and RECEIVE validation. They have violated my rights as a consumer and I need your help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
On XXXX/XXXX/2021 I mailed a letter requesting an investigation about questionable accounts showing on my credit report. It has been almost two months and I still haven't received any results of an investigation.

Company response to consumer: Closed with explanation