vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-20 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:
Hello I have reviewed my credit report and found that there was an unauthorized inquiry on my report from XXXX. I contacted XXXX and the advised there was nothing they could not about the issue. Inquiry Date listed is XX/XX/2019 I did not request services with XXXX XXXX and I would like to have this inquiry removed from 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 2021-01-20 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: TX

Complaint narrative:
In XX/XX/XXXX, I submitted a dispute to Trans Union regarding 'hard ' inquiries that showed up on my Trans Union credit report ( " Dispute '' ). Trans Union has spent the last 6 months refusing to investigate the dispute. Despite having a legal duty to investigate the dispute, Trans Union has continued to refuse to investigate my disputes. They have sent me boilerplate letters instructing me that if I want an investigation completed, I need to take my grievance to the companies who pulled the reports. 

On XX/XX/XXXX, following months of stonewalling by Trans Unions, I submitted a complaint to your office. See Complaint No. XXXX. 

On XX/XX/XXXX, Trans Union, for the first time, acknowledged that Trans Union had a duty to investigate my dispute. They also informed this office that " Consumer Relations will enter [ my ] dispute into [ Trans Unions ] system and review all information and any additional documentation you provide to determine next steps ''. 

On XX/XX/XXXX, I received a letter in the mail from Trans Union indicating that they would not continue processing my dispute. They cited identity issues but they have been provided the exact identity documentation that they are requesting I provide. Since I have given Trans Union what documentation they claim to need, I can only construe this as a constructive refusal to investigate my dispute. 

On XX/XX/XXXX, I submitted another complaint regarding Trans Unions refusal to follow though with its promise to this office and investigate my dispute as it agreed to do. See XXXX. 

On XX/XX/XXXX, again refused investigate my dispute. Trans Union again sent me a boilerplate response instructing me that if I want an investigation completed, I need to take my grievance to the companies who pulled the reports. Your office was provided with a copy of their response. XXXX : Id. 

Complaint : I have presented Trans Union with a dispute as to the accuracy of my credit file. Specifically, I disputed unauthorized hard inquiries that appeared on my credit report in XX/XX/XXXX. Trans Union has a duty to investigate the accuracy of these inquiries. Trans Union has agreed that it has a duty to investigate these disputes. See Complaint No. XXXX. Nevertheless, Trans Union wilfully refuses to comply with it obligations in a timely manner as required by the FRCA. 

Remove the disputed inquiries.

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 2021-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc.
State: UT

Complaint narrative:
I keep getting calls from Comenity Capital Bank and also Comenity Bank. I do not have an account with them. I sent each entity a cease and desist and they still call me! Message me etc. They need to be fined and penalized for harassing me. I am not even a customer. They are a messed up organization and do not follow the rules of law regarding a collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 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: GA

Complaint narrative:
Credit bureaus have not responded to my letters that was sent 30+ days ago in regards to accuracies on my credit file

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 2021-01-20 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:
It has come to my attention that i have been 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, 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 2021-01-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I signed up for a XXXX XXXX {$600.00} promotion online in XX/XX/2020. The offer said you get {$300.00} when you open a new checking account and direct deposit {$500.00} or more within the first 60 days. The first part of this offer I completed on XX/XX/XXXX by submitting {$600.00} direct deposit from my employer. The second part of the offer claimed you get an additional {$200.00} bonus when you open a new savings account and keep a balance of {$15000.00} for 3 months. This was completed on XX/XX/XXXX. When completing both offers, you get an additional {$100.00} for a total of {$600.00} with a payout date of XX/XX/XXXX. 

Come the payout date, I wasn't provided the bonus. I opened a case with support through their website. They initially said I didn't qualify for the bonus because a direct deposit wasn't made within the time period specified. This was incorrect and I provided them details about the direct deposit my employer made within the first 30 days of account opening. I opened a second case and now they are telling me I don't qualify because the checking account was closed. I wasn't provided any notifications, emails, phone calls, letters in the mail, or anything regarding my checking account being closed or in bad standing. 

Banking support was a pain to work with. I was hung up on after waiting 30 minutes on hold to get some support about this issue. I took to the messaging system which would just not work at all on some days. Unfortunately, it was a bad experience overall and a waste of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 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 submitted a dispute to XXXX, Equifax, and XXXX well over 30 days ago. I still have not received an update or had the fraudulent and unauthorized accounts removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: MidAmerica Mortgage Inc
State: TX

Complaint narrative:
1. Mid America Mortgage Inc, FHA Mortgage is being reported as deferred ( forbearance due to national disaster/COVID ) payment date not reported for months XX/XX/XXXX XX/XX/XXXX. Account has never been in deferred status. My 3 credit reports ( XXXXXXXX XXXX, and XXXX ) reflect that my monthly payments were {$0.00} for the months of XX/XX/XXXX XX/XX/XXXX ( 6 months ). For the months of XX/XX/XXXX XX/XX/XXXX my credit report payment history reflects No data for this time period. 
This reporting and deferment were not authorized by me or co-applicant. We contacted the mortgage company and inquired on a deferment due to pandemic, but the terms were not helpful, and we did not pursue a deferment. We did not sign paperwork for a deferment, nor did we provide a verbal approval for deferment or terms of any such deferment. 
Our credit report is accurately reflecting monthly and on time payments to mortgage account despite $ XXXX monthly payment scheduled. 

Mortgage company was contacted, and representative confirmed account reflects deferment ; however, monthly payments are being made on the account and confirmed only an inquiry was made in XX/XX/XXXX ; however, no actions to pursue a deferment was requested. Representative requested for account review but can take 5-7 business days. 

I am currently undergoing a refinance of my mortgage to a lower interest rate ( 2 % ) significantly lower and this inaccurate information on my credit report and that of my spouse is delaying our process.

2. Mid America Mortgage Inc I previously serviced our loan from date of opened account XX/XX/XXXX ; however, it was taken over by Mid America Mortgage Inc, it had reported to credit report account was closed and no payment history reflected from XX/XX/XXXX until roughly XX/XX/XXXX. This inaccurate information significantly lowered our credit rating. 
a. Telephone call was made to representative and it was returned to active/open account after 60 days, but the report continues to reflect this inaccurate information. 

Mid America Mortgage Inc payment history has been attached and mortgage statements from XX/XX/XXXX - XX/XX/XXXX to review payments for last 12 months paid on time and no message reflecting deferment on account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Reference CFPB XXXX, XXXX claimed ( kindly see attachment ) If a payment is not received by the time the next payment comes due, ( e.g., XX/XX/2017 to XX/XX/2017 ) the payment is considered to be over 30-days past due. The same is true for months with 31-days. 
The Date of First Delinquency ( DOFD ) for XXXX XXXX reporting purposes is not calculated in the same manner that days delinquent is noted in your core system. The DOFD does not start until 30 days after the first due date. For example, if you are reporting data as of XX/XX/2017 and a payment has not yet been received for a loan has a due date of XX/XX/2017, the loan should be reported as being zero days past due. 
XXXX sent a spreadsheet not ( XXXX XXXX and XXXX data ) showing payments made XX/XX/2017 installment was paid on XX/XX/2017, and XX/XX/2017. 
There is no evidence to back this up. For an establish bank, a receipt of payment is the expectation. Anyone can create a spreadsheet to show delinquency. Where is the evidence of this late payment? Where is the XXXX  XXXX reporting on this account?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ralis Services Corporation
State: CA

Complaint narrative:
My previous mortgage servicer issued a payoff statement to them that was very clear about what was needed to payoff the loan. Unbeknown to me at the time, Owning decided to pay a completely different amount that was several XXXX dollars short. Because of this, my servicer did not accept the partial payment. When it was finally brought my attention 3 weeks later that Owning did not pay in full, I had accumulated XXXX dollars of additional mortgage interest that I was forced to pay out of pocket. I thought that Owning would certainly own their mistake and reimburse my expense. Boy was I wrong, after weeks working with XXXX and XXXX in customer service they accomplished nothing and refused to take any ownership of the error. I will never work with them again and I caution anyone to steer clear. There are plenty of other competent lenders out there that are trustworthy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: ID

Complaint narrative:
On XX/XX/2021 I submitted a payment for {$270.00} for a puppy as a down payment. The next day I paid the {$300.00} needed to receive the puppy and I got no response from the seller afterward. I have messaged them in XXXX and through text message and no response. I have sent request through the the app we used asking for the {$570.00} back and they denied all of them. I went to my bank and they filed a dispute which the app denied and I was told there was nothing left to do. I have pictures of the conversation that took place with the seller from the moment I contacted them to the end. I also have a receipt from them signed. I have reported the seller on the social media platform that I found them on and that social media platform denied the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
XXXX XXXX XXXX XXXX Showing Past Due on a closed account and getting notification for late payments. Past due balance on all 3 reports inaccurate XXXX {$66000.00} {$66000.00} . How can I be late on a close account. REMOVE ACCOUT FROM REPORT. Date of last active on the account inaccurate Trans-XXXX, XXXX, XXXX. Only lived at XXXX XXXX XXXXXXXX XXXX, OK XXXX

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 2021-01-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc.
State: MA

Complaint narrative:
Good Afternoon ; I was actually shocked over the weekend to find a 2 new medical collections from CREDIT SYSTEMS ( XXXX XXXX XXXX XXXX ). I immediately contacted the company directly and spoke with XXXX XXXX and i gave her my full name, ssn, DOB ; and address - she said that she can not locate any file under my name. The strange part is that this account was reported on my credit over the weekend but it says that it was opened on XX/XX/2014, and the comment stated that the consumer dispute, and it's under re-investigation. How is that even possible? I never called until today. Just the fact that this is on my credit is in violation of both state and federal consumer laws under the provisions of HIPPA, FCRA, FDCPA, etc and much more.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have a credit card with Capital One Bank, the account is reporting to XXXX and XXXX only. When I called Capital One Bank, I was told it should be reporting to all 3 credit reporting agencies ( XXXX, XXXX, XXXX ). I was told the issue would be fixed and the card should be reporting to XXXX as well. However, Capital One Bank put a " dispute '' mark on the account with XXXX  and XXXX. The account was not disputed when I contacted Capital One Bank. The account is still not reporting to XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-20 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:
Medical bills from XXXX XXXX was sent to Credit Collection Services. XXXX company did not contact me about these bills. I did not know they had been sent to collections until I pulled a credit report. I was not contacted as to how to resolve this debt. When I contacted the Credit Collection Service, they told me they did attempt to contact via mail even though I did not receive notification. Theses medical bills incurring during the Coronavirus pandemic. Anyhow, under the CARES ACT I didn't think medical bill could be reported to collections. Please advise as to how to resolve this.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Southwest Mediation Service
State: PA

Complaint narrative:
SouthWest Mediation services Called to me 3 times on XX/XX/XXXX. After the first phone call I thought it was fishy I terminated the call she called me back and said I have one more change before legal action proceeds as well as on the previous call they said their job was to get accounts paid before civil action takes place. She stated they aren't a debt collector though. She also said that she would send me Validation of Debt when I refused the rest and she said they do not provide it, then they said they do. They read me my personal information such as my social and DOB. Which is a GLB violation. They said I hadn't paid since XXXX and threatened civil action if I did not respond or pay it in a timely fashion. There are clear UDAAP FDCPA and GLB violations here in my opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 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: VA

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. I am very disappointed. REMOVE THE FRAUD ACCOUNTS ASAP!

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 2021-01-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: U.S. BANCORP
State: NJ

Complaint narrative:
I am writing today in regards to my account with Elan Fin Svc # XXXX. The reason for writing today is in regards to several late payments reporting on my credit report beginning in XX/XX/2020 through XX/XX/2020, due to Covid I was unable to make the payments. As soon as I was able to, I got my payments made and were caught up.

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 2021-01-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
ive never had any credit except when my husband bought a vechile from XXXX XXXXXXXX XXXX. but also im having a with problem with idenity theft.i believe the socail ive been using doesnt match with my criminal record neither which is misdeminors and XXXX. i have a hardship over my head for the last 16 years for spite and the childs been adopted since day one. best thing i could do at the time as a mother

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: KS

Complaint narrative:
I received a debt collection notification from Portfolio Recovery Services in mid XXXX which was addressed to my name and address for the amount of {$4000.00} for a debt titled " XXXX. '' I also received a phone call, which I answered and told the representative I was unsure was this debt was for and requested proof of the debt to be mailed to me. I disclosed I am a victim of multiple identity theft instances going back as far as XXXX and at the time had a freeze on my credit for that precise reason. 

When Portfolio emailed me the " proof '' it was a simple piece of white printer paper with the same information : Name, address, {$4000.00}, " XXXX. '' There was ZERO information new and nothing provided to help me determine if I owed this debt. 

Portfolio followed up via phone and told me they sent the proof of debt, which I told them was not valid. 

Portfolio is still attempting to collect this debt and reporting monthly on my bureau against all laws. This is not a legal debt collection practice and needs to stop and be removed until they can validate the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Performant Financial Corporation
State: AR

Complaint narrative:
I keep getting call from this debt collector, they have called me 2 times in 1 hour on the same day i have filed with my states Attorney General consumer Protection Department.

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