vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-08 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:
THE ACCOUNTS DISPUTED DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME, PLEASE REINVESTIGATE THIS MATTER AND HAVE THESE DEROGATORY ACCOUNTS OFF MY CREDIT FILE FOR THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY 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 2019-10-08 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:
THE ACCOUNTS DISPUTED DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME, PLEASE REINVESTIGATE THIS MATTER AND HAVE THESE DEROGATORY ACCOUNTS OFF MY CREDIT FILE FOR THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Simon's Agency, Inc.
State: WA

Complaint narrative:
This complaint is a HIPAA complaint against this debt collector. I made a complaint recently about this debt collection agency because they had not validated a debt they are reporting on my credit reports. They're reporting a debt for someone named " XXXX XXXX '', which is NOT me. My name is XXXX XXXX. In their reply to that CFPB complaint, they included a list of medical procedures that this " XXXX '' had while at the hospital. They did not include a HIPAA release form, which means they have now given ME a list of medical procedures for somebody else which means they've violated HIPAA laws, which can come with a {$10000.00} fine. I fully intend to try to track down this " XXXX XXXX '' and notify him/her of what this debt collector has done so that she can file complaints, and/or take this company to court for violating her HIPAA rights. Again, this debt does NOT belong to me, and needs to be removed from my credit reports immediately. If not removed, as legally needs to be done, I will be seeking legal counsel, as well as contacting the state attorney general for assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 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: EQUIFAX, INC.
State: CO

Complaint narrative:
I have reached out to Equifax on Several occasions concerning the XXXX account and the XXXX Mortgage account. Both accounts was deleted from my credit file and then recently reentered on my credit file with no warning or letter stating that it would be or why. The accounts has not been on there for a year and now they mysteriously reappear. I have send documents to Equifax regarding these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.Q. DATA INTERNATIONAL, INC.
State: CA

Complaint narrative:
Was contacted by XXXX XXXX ( XXXX XXXX ) at XXXX on XX/XX/XXXX. When we tried to get more information about the debt and the amount, they would not provide a break down saying that they were only sent the total. No information was provided about being able to dispute. When I asked for more information, I was told repeatedly that if I did not pay during this phone call, my credit would be damaged and that I would be threatened by legal action and that they would potentially go after leans or wages. The agent kept referencing our original lease agreement, but we had renewed our lease so that would not have been the correct document. Further, when I tried to ask questions, XXXX would remind me that I had possibly said something else and that the call was being recorded and that she would use the call against me in further matters. The fast pace of the call and threats were disorienting as it was clear she was trying to bully us into paying the amount despite not receiving the correct information from her. 
I was eventually granted an hour to do more more research, though I really should have been given even more time than that to look into the matter. 
When we called back, we could not get XXXX on the phone even though we were given her direct extension. 
We spoke with XXXX XXXX who 1st did not why we were calling as there was no case number associated with our names and then he gave us a different set of information. For example, that we now owed {$320.00} instead of {$310.00} because of interest. It was unclear if that interest was daily or monthly. He also stated that the matter was sent to them on the XXXX at XXXX XXXX, but as stated, we were not notified until the XXXX. 
We also never were sent any information via mail. 
We attempted to get off the phone and asked for more time ( even just 30 minutes ) with IQ but were threatened that in doing so, our credit would be harmed and that we would owe even more money. At this point, we were speaking with XXXX again and she stated that we could have taken care of this by now and she continued to use abusive language and threaten us. We finally hung up and tried to sort through the situation. I then received multiple calls from them ( XXXX, XXXX ). 
Because of all these harassing phone calls and communication tactics and threats to take negative action, we were pressured into paying the amount that is in dispute with our landlord as it does not appear to be a valid debt. Also, when we asked about the creditor it was suddenly revealed that the matter had not yet been sent to a bureau which goes against everything they had just told us on the phone.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I called Bank of America to use their zero-APR VISA  offer to pay off my {$2400.00} balance at XXXX. The operator there said they had a new MasterCard with a zero-transfer fee that would also save me the cost of the balance transfer, and could get instant approval. A minute later I was approved for $ XXXX, and they process the transfer. 

Later I learned that they REDUCED my $ XXXX limit on my VISA  down to $ XXXX to provide the " new '' $ XXXX for my new MasterCard. I called in and requested my $ XXXX be restored, and several days later I received a denial in the mail. 

This it started. First, a notice from my credit monitoring service that a credit limit has been reduced, followed a day later by notice that my FICO score had been reduced from XXXX to just XXXX. 

Then, the constant flow of new credit card offers that daily filled my mailbox suddenly STOPPED. 

I went to my local B of A branch and explained how B of A had trashed my credit. They forwarded the report to headquarters, who started Case number XXXX to investigate. 

Later, I received notice that their investigation had determined that everyone had followed their normal B of A procedure, so they would do nothing to mitigate the situation, despite the damage that had been done to my credit, and probably the credit of thousands of other previously-loyal customers. They REALLY don't care about the damage they are doing. 

So, I called back and talked to a supervisor XXXX at XXXX to discuss possible ways of mitigating this situation within their very broken " system ''. She offered to combine the two accounts into a single $ XXXX account while closing the other account. Of course this would then show an account closure, but it would also show an account increase. Unfortunately my skills like elsewhere, so I lack resources to figure out what to do, despite hours of watching XXXX videos about related issues.

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 2019-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Diversified Consultants, Inc.
State: AZ

Complaint narrative:
I receive the daily notification from the USPS on mail that is supposed to be delivered to me. Due to a domestic dispute, my mail is regularily tampered with. I saw an address that stated : Return Mail only and XXXX XXXX  XXXX, XXXX MI XXXX. I did not have any idea who this was so I looked it up on line. It was listed as Diversified Consultants. I do not know who they are. I saw they are a debt collector. So out of fear that the domestic dispute was leading to collections I was unaware of, I contacted the company. I told the first rep my story and that I wanted to update my address, he transfered me. The second guy I spoke to was so unprofessional. I told him that due to the domesctic dispute I wouldnt be able to receive the mail and I wanted to update my address and have the letter resent to me. He countered with " You are disputing this? '' I repeated that I wanted to update my address so I could see what was in the letter. I had to do this 3 times. He then told me it was something from XXXX. I said how is that possible as I have had service with them since 2004. He responded with " So you are saying you have never had XXXX? '' I seriously lost my mind at this point. I said you are harassing me and saying the opposite of everything I say. I want my address updated and the debt you claim I owe to be validated and I will then respond. He stated they will only send a collections letter. I know this is a false statement. When I asked for that he needed to provide validation of any debt I owed, I talked to my attorney about that and I know I am right. I updated my address. Then the rep stated the same things again stating I was disputing the debt and claied I didnt have any XXXX service ever. I again told him you are 100 % wrong in these statements. That I was calling to update my address to see what you are sending and that I have had XXXX and the same number since 2004. As if that wasnt bad enough he started saying that he was going to call XXXX and have my phone line shut off for fraud as I claim I never had XXXX. I lost it! He has no right to affect my cell phone or my service with XXXX especially under these conditions. He then threatened to tell XXXX I was refusing help. I said help for what? I have nothing to base that on. He was way out of line. According to my attorney, there are 5 major FDCPA violations here. I have the call recorded as AZ is a one party recording state so all of my statements are verifiale in that call recording.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: MA

Complaint narrative:
I and my family stayed at the XXXX at XXXX XXXX apartment at XXXX ( currently named as XXXX XXXX at XXXX with address - XXXX XXXX XXXX, XXXX, XXXX ) for around a year until XX/XX/2017. Throughout our stay, there were many maintenance issues and the management did not fix many of them. The reason given was - non-availability of contractors, could not be fixed and they don't want to spend on a unit that they are planning to renovate completely. We repeatedly complained and moved out since it was not bearable. The apartment management agreed for an early release ( 15 days before lease end period ) and the move-out notice clearly states that we are moving out due to maintenance issues. 


I have attached the following documents that prove the above-mentioned facts Move-Out-Notice : Clearly stating the apartment management agreeing to allow us to move our earlier than the lease end period since the maintenance issue can not be fixed Signed by XXXX XXXX XXXX representing the apartment management e-mail correspondence with apartment management that mentions the maintenance issues and the fact that they were not fixing. 


Move-Out statement : To show that the amount demanded by the apartment management and the collection agency ( NCS ) is not the same. 


The apartment management sent a demand notice claiming the unresolved maintenance issues as damages. We responded thru our attorney with the above facts for the demand notice sent by the apartment management. We were ready to pay the utilities bill that was legitimate. However, the apartment management did not respond and transferred our account to collection agency National Credit Systems ( NCS ). 


NCS communicated with us and demanded a sum that is more than what was demanded by apartment management ( the apartment management demanded {$1500.00} while NCS demanded {$2300.00} ). NCS did not go the legal route and opted to damage our credit report presumably because of the strong evidence we have against the apartment management. Our effort to negotiate with NCS for a reasonable settlement were not accepted by NCS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I have contacted Experian previously about this account. In a recently recorded conversation XXXX XXXX XXXX told me that they couldnt find an account with my name or the info I provided and that they didnt have an account for me. Yet Experian continues to report it. I have asked numerous of times for this account to be removed. I have attached the recorded conversation.

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 2019-10-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: NY

Complaint narrative:
On Thursday, XX/XX/XXXX, my son sent me {$1000.00} via cash app. When I went to go into my cash app account, I noticed I was signed out. They require you to sign back in using a phone number. My phone number is linked with my cash app account and I have a snapshot showing the {$1000.00} payment, also showing that I get texts to my phone whenever a transaction is placed on my cash app. 

So whenever I tried to log back in using my phone number, and my email, the app continued to prompt me to create a new account. I had no way to access my account with {$1000.00} in it. I then had my son do a " test '' and try to send me XXXX $ to my cash app to see if a text would come through alerting me on a transaction. Not only did I not get a text, but my son got an alert that my account is no longer accepting payments and has been terminated. 

I have tried many times with customer support via email, andXX/XX/XXXX, to try and get my account back. Not only have they been no help, but they have completely stopped answering me. They do not have any live voice for customer support. 

I have no other options as I have a cash app account with {$1000.00} stuck in it with no help from customer support. 

My " XX/XX/XXXX '' on the cash app with the XXXX $ in it is $ XX/XX/XXXX I decided to further my research and go on XX/XX/XXXX to see if any customers of cash app could be dealing with the same problems. It turns out, many people have been locked out of their accounts with money in it and have not received any word from customer support via email. I can also attatch photos of customers XX/XX/XXXX to " @XX/XX/XXXX' who are experiencing the same problem. @ XXXX is one of the only " Customer service '' that cash app offers. 


Photo 1 : a screen shot of my sons payment of {$1000.00} to my account Photos 2, 3,4 : screenshots of cash app users on XX/XX/XXXX who are experiencing the same problem as me Photo 5 : showing multiple emails sent to cash support with no response back Photo 6 : a screen shot of a text I received alerting that a  transaction on my account has gone through, received when my son sent me the {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
On Thursday, XX/XX/2019 I received a call from TD bank stating that someone tried to deposit money into my account and my account will be locked until I go into a bank and open a new one. That was all the information I was ever given, the amount and branch and name of the person were withheld from me ( I was not expecting a deposit and told them so ). That following Tuesday XX/XX/XXXX, I went in to the XXXX TD bank ( XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX FL ) and opened a new checking account. My previous checking account was not closed, and I was not granted online access to the new account. On Friday, XX/XX/XXXX I received a deposit into the old account from a client that mistakenly deposited into it instead of my new account. I called the TD bank fraud department and spoke to XXXX, on XX/XX/XXXX XXXX transferred the funds but was unable to close the old account, he told me to contact them the next day to close out the old account, he also expressed to me that it was fine as long as it did not happen again. I called TD on Tuesday XX/XX/XXXX and closed out my old account. Two days later they sent out a letter stating that my checking account will be closed as of XX/XX/XXXX. 

I do not understand why my account was closed, I have followed all proper procedures and brought them a lot of business. I do not understand why I am suffering consequences for THEIR mistake of leaving my old account open. I updated all of my clients with the new account number, due to a simple error I will now be unable to conduct legitimate business through what once was my favorite bank to work with. If my account is not restored I will definitely recommend any clients I do business with to stop banking with TD as they do not have their customers in mind, and blame the consumer for oversights made by the bank itself.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio Recovery has NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it and verification of my identity before entering into a contract ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
They have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it and verification of my identity before entering into a contract ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: CA

Complaint narrative:
They have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it and verification of my identity before entering into a contract ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Spam phone calls, not even a message left by Capital One. 
Called 3 times on XX/XX/2019. 
Called 4 times on XX/XX/2019. 
Called 4 times on XX/XX/2019. 
Called 3 times on XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I tried to remove my credit freeze again tonight online. I was asked to verify some information. I answered the questions correctly. At no time was I asked for the security code that I was provided when placing the freeze. I was denied access. And asked to mail verifying information. Which I have mailed previously. Then I tried to call to lift the freeze. During the call I was asked the pin number. I provided it. And was able to remove the freeze. I should not have this much trouble getting access to my file. Also Experian ( or XXXX ) sent a letter saying that I requested not to receive pre-approval offers. I did no such thing. If it was this bureau. I request that it be removed.

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