vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-17 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: PA

Complaint narrative:
Sometime in XXXX - XX/XX/XXXX - I entered an agreement with XXXX XXXX one of their affiliates and/or a representative authorized to collect a debt on their behalf. The agreement required me to pay {$530.00} ( 60 % ) of the outstanding balance of {$810.00} owed on account ending XXXX. 

XXXX XXXX representative took payment information " check by phone '' and assured me that XXXX XXXX would notify major credit bureaus ; XXXX, XXXX  and Transunion that this particular account has been settled as paid in full. The check # XXXX was remitted over the phone for {$530.00}, reviewed and confirmed. The payment cleared my bank account and electronically transferred to " Account XXXX XXXX Escrow ITF Account ''. My checking account was reduced by this amount, {$530.00}. 

I requested multiple investigations with the above mentioned credit bureaus, some on XX/XX/XXXX, XX/XX/XXXX and later. A few more as recently as XX/XX/XXXX because XXXX XXXX has fraudulently reported the entire balance of {$810.00} as outstanding in spite of our agreement. It had been my understanding that XXXX XXXX, its collection employees/affiliates and/or third parties were acting in good faith when they entered an agreement with me on XX/XX/XXXX. Furthermore, it was my understanding that XXXX XXXX would honor their agreement. 

As of XX/XX/XXXX, I can see two of the credit bureaus - Transunion and XXXX  - reporting a balance for this account ending in an amount of {$810.00} in spite of our agreement. 

I feel violated and taken advantage of by this company. I also feel that the company used an " offer '' to entice me into making a payment with no intent to report accurate information to the major credit bureaus as required by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Risecredit, LLC
State: GA

Complaint narrative:
My wife and I each have a personal loan Rise Credit XXXX XXXX, LLC D/B/A XXXX XXXX   XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Texas XXXX. Both of our loans were one month behind and we received a letter from Rise saying that if we paid two months immediately, they would credit my account for one payment as a bonus and two months on my wife 's account as a bonus. When we paid the amount they requested they refused to give us the credit they promised and are threatening us with action if we don't pay the amount they promised to credit our account. Their phone number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In Ref. to CFPB No. XXXX, Mr. XXXX previously complaining of XXXX unauthorized credit inquiries which were appearing on his credit reports TRANSUNION responded that " [ y ] our written authorization may not be required '' to run your credit and " specific consent to the release of your credit information is not necessary '' and therefore closed the case. Later on, XXXX new credit inquiries that has therefore increased total number of unauthorized report inquiries to XXXX. According to TRANSUNION if complainant has any objection about using his credit reports he " may wish to contact the creditor directly. ''

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 2020-01-17 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: Fidelity National Information Services, Inc. (FNIS)
State: NC

Complaint narrative:
I have attempted to contact Chex Systems and XXXX XXXX XXXX ( North Carolina ) multiple times and they refuse to remove this fraudulent account from my credit file. I am a victim of identity theft and I have provided Chex Systems and XXXX XXXX XXXX  ( North Carolina ) with every single document that is required to prove that identify theft has occurred and what is need to have these accounts removed. I provided a full Federal Trade Comission affidavit that is notarized, the XXXX XXXX Police report that list each account/ item that I am requested to have removed from my Chex systems and XXXX XXXX XXXX ( North Carolina ) report. I have talked to many representatives that have refused to assist me and comply with the Fair Credit Reporting Act. I am requesting that this information listed below be removed using the provided documentation to the consumer financial protect bureau and mailed on XX/XX/XXXX to Chex Systems and XXXX XXXX XXXX ( North Carolina ). I am requesting that this is completed immediately. Here is the account that I am requesting to be deleted : XXXX XXXX XXXX XXXX NORTH CAROLINA ( {$200.00} ) - ACCOUNT NUMBER : XXXX - ( OPENED : XX/XX/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 2020-01-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
I used the mortgage loan with Loancare company asking me to buy HO6 insurance. I used the same HOA insurance more than 10 years. I never changed the loan and the previous lender did not ask the additional insurance such as HO6 since I rented the property for 10 years. I double check my HOS confirming the current insurance covering the wall to wall structure. Please have them correct the insurance status and not forcing the redundant insurance for the consumer finance mortgage. Please contact me if yo have any question at XXXX. Regards, XXXX 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 2020-01-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX, XXXX, XXXX To whom it may concern : On XXXX the XXXX, of XXXX, I entered a General Denial/Response to the County Court of XXXX XXXX, Texas in XXXX XXXX , XXXX concerning case # XXXX in reference to the lawsuit brought forth by Capital One and now being falsely reported as a debt by their collections company, XXXX XXXX XXXX, XXXX. Since then the statue of limitations has run out but XXXX continues its shennanigans of reporting fraudulent information for the purpose of trying to extend a statue of limitations that has already runout and to fraudently report an alleged debt that neither exists nor is valid. I have attempted to contact both Capital One and XXXX XXXX via certified mail and telephonically as well as all credit agencies namely the following : XXXX, XXXX, XXXX  and XXXX  but their hands are tied. They are claiming that nothing can be done until XXXX reports otherwise. 

It is now that I am asking CFPB to do the right thing and help give me some much needed respite to these Credit Bullies! Your attention and detail to this matter would be greatly appreciated. 

Sincerely, XXXX XXXX egrieged credit customer

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TCF NATIONAL BANK
State: IL

Complaint narrative:
TCF Bank, is unjustly withholding, for me, legally and legitimately deposited funds totaling {$35000.00} : - officially, advised in the form of a letter, {$19000.00} - unofficially/verbally, {$15000.00} On XX/XX/2020, I received 2 ACH deposits in the amounts of {$4200.00} and {$15000.00}. These funds come to my TCF personal account, as they have for almost 2 years, from my XXXX ( credit card merchant ) account. 

I went into the branch to wire the available funds to my investment brokerage account. After an hour of them fumbling around, they got everything processed. 2 hours later I get a phone call from the branch saying the wire department did not complete the wire, because the available funds were made unavailable due to a hold. 

When I began to probe about the " hold '', I was told that the incoming ACH indicated the name of XXXX XXXX XXXX XXXX XXXX XXXX '' and because the name on my account is " XXXX XXXX '', this deposit was deemed questionable because of a " name mismatch ''. Conceptually, I understand this. But logically, I do not, as this has been going on for years. 

When I asked what's next, they said they needed to contact XXXX 's internal department and " verify the deposit ''. When I asked what does that mean, I never really received a straight answer. But what I gathered is that they wanted to make sure that this deposit wasn't fraudulent, nor a mistake, and that the deposit was intended for THIS account. Again, conceptually, I understand, but logically I do not because all they had to do was look at the last 6 months of records. 

In the meantime, I contact XXXX  and updated the name to reflect " XXXX XXXX '' from " XXXX XXXX XXXX XXXX XXXX '' XXXX  is a online e-commerce based merchant. Everything they do is by email basically. TCF is asking for a callback or a letter and XXXX is telling me, " No, we don't do that. Provide them this 'Whitelist Code ' and they should be fine. '' TCF has threatened to hold $ XXXX of my money for up to 12 months. That's asinine, not to mention impractical. I can't make XXXX   call TCF and I cant force TCF to take the documentation and proof that XXXX  has given me. So I'm stuck in the middle of 2 stubborn institutions while my revenue is hanging in the balance and I'm missing income opportunities as well as the fact that I have 2 real estate deals that I'm closing on XX/XX/XXXX that will be delayed or possibly even lost if I don't have these funds I needed to wire.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18 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 discovered some accounts on my credit report that were opened on my behalf without my permission. I found out about these accounts today XX/XX/20 because I am in the process of buying a house and when the realtor ran my credit he told me that I didn't qualify for the loan right now because of these negative accounts on my credit report. I did not open any of these accounts and I did not allow anyone to open these accounts in my name. I have no idea who is responsible for opening these accounts. I did not benefit anything from these accounts such as money, goods, services or any other benefit from these accounts that were opened without my consent ; I never made any payments or purchases with these accounts and I have already filed a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18 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 discovered some accounts on my credit report that were opened on my behalf without my permission. I found out about these accounts today XX/XX/20 because I am in the process of buying a house and when the realtor ran my credit he told me that I didn't qualify for the loan right now because of these negative accounts on my credit report. I did not open any of these accounts and I did not allow anyone to open these accounts in my name. I have no idea who is responsible for opening these accounts. I did not benefit anything from these accounts such as money, goods, services or any other benefit from these accounts that were opened without my consent ; I never made any payments or purchases with these accounts and I have already filed a police 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 2020-01-18 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: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have attempted to contact XXXX XXXX and Fifth Third Bank ( North Carolina ) multiple times and they refuse to remove this fraudulent account from my credit file. I am a victim of identity theft and I have provided XXXX XXXX and Fifth Third Bank ( North  Carolina ) with every single document that is required to prove that identify theft has occurred and what is need to have these accounts removed. I provided a full Federal Trade Comission affidavit that is notarized, the XXXX XXXX Police report that list each account/ item that I am requested to have removed from my XXXX XXXX and Fifth Third Bank ( North Carolina ) report. I have talked to many representatives that have refused to assist me and comply with the Fair Credit Reporting Act. I am requesting that this information listed below be removed using the provided documentation to the consumer financial protect bureau and mailed on XX/XX/XXXX to XXXX XXXX and Fifth Third Bank ( North Carolina ). I am requesting that this is completed immediately. Here is the account that I am requesting to be deleted : FIFTH THIRD BANK OF NORTH CAROLINA ( {$200.00} ) - ACCOUNT NUMBER : XXXX - ( OPENED : XX/XX/XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Mercedes Benz Financial Services
State: CA

Complaint narrative:
I'M A VICTIM OF IDENTITY THEFT. SOMEONE USED MY PERSONAL INFORMATION WITHOUT ME : I want to remove this accounts, please dispute this accounts because it's a fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: IL

Complaint narrative:
refer to complaint XXXX : Rushmore 's response that a payment plan agreement was mailed to me in XXXX is a lie ; also, Rushmore 's contention that I received a call in XXXX regarding the " rest upon agreed money '' is also a lie. They record phone calls ; I want a copy of the recording. I also want to see evidence of the " signed '' payment plan agreement!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18 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: FL

Complaint narrative:
Thru the XXXX XXXX app, I notice fraudulent activity in my TransUnion credit report. I call Tranuinoin and explain that I have been a victim of fraud and I need these hard inquiries to be removed. Their customer service representative did no help or remove the negative inquiries reporting in my credit report. Please see below the creditors that made the hard inquiries in my credit report that I need to removed. Thank You 1- XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX , CA XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX   XXXX XXXX , VA XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/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 2020-01-18 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: OH

Complaint narrative:
I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the account I disputed is that they have gone past the 30-day Mark and can not verify this account I dispute it. under Section 611 ( 5 ) ( a ) of the FCRA - they are required ... probably delete all information which can not be verified that I have disputed. Please resolve this matter as soon as possible. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: NC

Complaint narrative:
Debt collection agency issued me a collection letter for a medical service never authorized. The collection agency is Wakefield & Associates, Inc. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX. After receiving the letter I wrote them back and disputed the debt with proof and stating the fraudulent nature of the debt. After attempts to have them fix the account in which they stated they would in writing, it has now been reported to my credit report. I'm am speaking with an attorney this week to sue the company for harassment and fraud. After looking up reviews on this company, these people are crooks and I am one of hundreds they have done this to illegally including ruining people 's credit for lies and illegal practices. I will provide all letters and documents upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Around XX/XX/2019 I was contacted by letter by Portfolio Recovery Associates, LLC which alleged I owed a debt to XXXX XXXX. This company also alleged the debt was previously held with XXXX with previous creditor XXXX. Before I was contacted by this Collection Company, I received several phone calls in regard this matter. I asked them to cease all kind of communication but I received more robocalls afterwards for which they had violated the law Under the federal Fair Debt Collection Practices Act ( FDCPA ). 

This Debt was previously handled by XXXX XXXX  who bought XXXX Credit ( also known as XXXX ) and sent me several attempts to collect this funds in communication letters. Ive never opened an account with XXXX XXXX  for XXXX and I will never use their services for their high interest rate and bad reputation. This is not an statement to talk about the Bank but the Collection Company who allegedly bought this debt. Attached are proof of the initial dispute I sent to this Collection Company as soon as I received their first letter. The letter ( see adjustment ) asked to the Company ( Portfolio Recovery Associates ) to validate the debt and to send me proof I owe them. The confirmation for receiving documents in envelope was signed by them ( see adjustment ).

After not receiving any communication for 2 months ( approximately ) this collection company reported to all 3 credit bureaus and my credit score significantly decreased. Once again, violating the law Under the federal Fair Debt Collection Practices Act ( FDCPA ) and Consumer Financial Protection Bureau ( CFPB ) since I asked them to Validate or Cease Collection. This is the last attempt before Im taking legal actions against Portfolio Recovery Associates, LLC for Violating the FDCPA and CFPB law, attempting against my moral character, and making illegal robocalls. Im also working with XXXX XXXX XXXX for this same matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I received an email from Chase regarding a new money incentive with a coupon code included that expired XX/XX/XXXX. When I went to open the account via the link it confirmed the coupon was accurate and allowed me to move forward. When I as an existing Chase customer used my credentials to login, it then told me the Coupon Code Expired. 

When I called customer service at XXXX XXXX  CT, I spoke with a representative who fielded my issue, placed me on hold to speak with a supervisor and came back on the line. 

She said the only thing they could " come up with '' was that I received a new checking account bonus on XX/XX/XXXX. They said since I received one within the last two years I was ineligible. 

The language on the email with the coupon for the offer reads : " You can receive only one new checking and one new savings account opening related bonus every two years from the last enrollment date and only one bonus per account. '' The language clearly states it is based on the enrollment date, not when the bonus was received. The enrollment date occurred prior to when the bonus was received. 

I was then put on the line with another supervisor who was explained the situation. The supervisor apologized for the inconvenience and said there was nothing she could do, other than tell me to visit a branch tomorrow, XX/XX/XXXX. 

I explained to her this was unsatisfactory as I would then no longer be able to meet their terms as the offer expires today, XX/XX/XXXX. 

I explained to her this was unacceptable and I would be opening the accounts today so as to adhere to the terms of the original offer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-18 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: NV

Complaint narrative:
. I am writing this due to non-compliance with the ( XXXX, XXXX, Transunion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation