vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-19 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: NY

Complaint narrative:
To whom it may concern on my credit report I was being told I had applied for a new XXXX XXXX XXXX on XX/XX/2020. I never applied for a XXXX XXXX XXXX  on that date as I am perfectly happy with the XXXX XXXX XXXX I already have. The problem here is I had disputed this a few different ways and it won't go and is still showing up as a hard inquiry when this is fraud and never authorized by me. Under the fair credit reporting act 609 to my understanding since they can not prove I applied for card which I didn't they must remove this inaccurate information. When I spoke to XXXX XXXX over a month ago as to what was going on they said that department who handles fraud and applications is not in due to covid. I asked them when they will be back they weren't sure. I had called a few times to resolve this but it has gotten no where.

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 2020-09-19 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: NY

Complaint narrative:
To whom it may concern on my credit report I was being told I had applied for a new XXXX XXXX XXXX on XX/XX/2020. I never applied for a XXXX XXXX XXXX on that date as I am perfectly happy with the XXXX XXXX XXXX I already have. The problem here is I had disputed this a few different ways and it won't go and is still showing up as a hard inquiry when this is fraud and never authorized by me. Under the fair credit reporting act 609 to my understanding since they can not prove I applied for card which I didn't they must remove this inaccurate information. When I spoke to XXXX XXXX over a month ago as to what was going on they said that department who handles fraud and applications is not in due to covid. I asked them when they will be back they weren't sure. I had called a few times to resolve this but it has gotten no where.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$13000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my 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 2020-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Theres a few inaccurate accounts as well as personal info which need to be deleted immediately.

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 2020-09-19 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: MO

Complaint narrative:
To Whom it May Concern : I am writing this letter because I would like to make a complaint against TransUnion LLC. I am trying to determine who verified a bankruptcy on my credit report to TransUnion on XX/XX/2020 and asked them 4 questions : 1. The original creditor 2. The address and telephone number of the person/company that verified this bankruptcy 3. The person 's name they verified the information with 4. The documentation that was used to verify this information. 

TransUnion responded and basically told me that the investigation results and disputed items were verified as accurate. I made it very clear in my first letter to TransUnion LLC that I was not disputing the bankruptcy. I wanted to know WHO they verified this information with and WHEN. WHAT AGENCY reported this to them! They basically told me to contact the bankruptcy court and ask them. 

On XXXX XXXX, 2020, I sent TransUnion another letter stating thank you for the results but this is no where near what I was asking for. I repeated my request, made it known I WAS NOT disputing the information and asked AGAIN who they spoke with and when, and what company or agency did they verify this information with. TransUnion LLC responded back to me on XXXX XXXX, 2020, and provided the same letter to me that was not answering the question.

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 2020-09-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
We were offered a streamline refinance by our mortgage company, XXXX XXXX XXXX. The process began XX/XX/2020. After submitting all required documents, we received conditional approval and were told by our processor, XXXX XXXX out of XXXX, PA that they were just waiting on subordination from our other bank. After that initial communication, they began to be unresponsive and non communicative. 

We would go through weeks that turned into months and several attempts to acquire updates, both by phone and email with no response. I would have to contact the XXXX for him to contact the processor and even with internal communication among employees, there would still be a lack of response and no updates. 

On XX/XX/2020 I contacted my other bank to check on the subordination request from XXXX and they stated they never received any request to complete a subordination. We are now on month 4, going on 5 months pretty soon with no updates or status on what is going on with our streamline refinance. I have written letters to XXXX XXXX and emailed the processors boss with no progress. 

We honestly dont know what else to do ... This process has been very frustrating to say the least.

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 2020-09-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
A fraudulent purchase in the amount of {$630.00} was made to XXXX XXXX on XX/XX/2020 posting to my debit card account on XXXX XXXX. I called XXXX XXXX and Bank of America to report fraud since I did not make the purchase. XXXX XXXX informed me that the merchandise was sent to another address that is not mine and the transaction does not appear on my account history at XXXX XXXX. XXXX XXXX informed me that I would have to go through Bank Of America, my bank, to resolve the issue. I am a regular customer at XXXX XXXX but did not make the purchase or receive the merchandise. Bank of America has attempted to research my claim but each time concludes no fraud. However, they fail to give me specific details of the research and XXXX XXXX has no record of Bank Of America reaching out to them.

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 2020-09-19 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: NJ

Complaint narrative:
There are inaccurate accounts on my credit profile which need to be deleted. I have contacted the bureau before but a negative account still remains.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Comapny is claiming to have filed a court case in the XXXX XXXX XXXX XXXX County State of Georgia and sent false document wIth civil action number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
There are inaccurate accounts on my credit profile which need to be deleted. I have contacted the bureau before but a negative account still remains.

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 2020-09-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Capital One did not adhere to my requested invoice/remedies. I resent documentation giving them an opportunity to cure this invoice yet again. I am federally protected consumer and Capital One has violated me under the provisions of 15 USC 1692 and 15 USC 1681. Please review attached documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19 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: NJ

Complaint narrative:
There are inaccurate accounts on my credit profile which need to be deleted. I have contacted the bureau before but a negative account still remains.

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 2020-09-19 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: NC

Complaint narrative:
Theres a few inaccurate accounts as well as personal info which need to be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: FinCo Services Inc DBA Current
State: KY

Complaint narrative:
I have a current account which is the mobile bank through I guess choice financial bank and my old phone got smashed and I had to get this phone so the whole do number and now we won't let me log in to my account because that says there there 24/7 But you can access their chat unless you're in the mobile app and it won't let me log in to the mobile app using a new number because it's already registered to another person which it's my number therefore I can't get my money and transfer it into my account so that I can use my card to Make any purchases such as buying my kid diapers tonight and wipes and formula that I need And they have nobody that works technical support after hours or nothing and nobody that will fix my account knowing its emergency this is ridiculous I'd put my money off of their and I can't even access my account and 8 to 6 I guess is they're ours what about emergencies I can't even touch my money because I can access the camp to get my money out of my savings account and you mean to tell me if I was stranded on side the roadI 'd literally have to sit there for 36 to 48 hours before somebody could fix my money are you Kidding me I have sent 6 emails Called numerous times only to be hung up on because I'm calling outside of business hours which online as 24/7. I received one response email where I had to give all my inflation which I did and they said this is they got the information they change it so that I could log in to my account I still can not log in to my acct And it's been hours Pretty sure That a place that handles my money has to have at least one person for emergencies that works after hours for instances like this where they can access their account online come on please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/2020, I notify PAYPAL of fraud/unauthorized transactions of my PayPal credit card business account. At that time there 7 unauthorized transactions totaling XXXX dollars. Due to the incident, I closed the card for future fraud. After notifying Paypal,  they allowed the transactions to go through making me a nightmare and a headache in my Bussiness Bank account. 

Their slow response and bad customer service is a negligency of their part that shouldn't be allowed. I don't understand such a big company allows for fraud to go that easily. I tried to call them and haven't been able to speak with anyone since XX/XX/XXXX and we are XX/XX/XXXX. I seek resolution and fast response for this incident to be resolved as soon as possible

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-19 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: NC

Complaint narrative:
Theres a few inaccurate accounts as well as personal info which need to be deleted immediately.

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 2020-09-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2020 I made a purchase on e-bay in the amount of {$32.00}. On or about XX/XX/XXXX I filed a written dispute with Capital One. I was given a credit for the full amount of {$32.00}. I heard nothing more from Capital One. On XX/XX/XXXX my account was rebilled for the {$32.00}. Federal law provides that the credit card company must resolve the dispute " within two billing cycles, but not more than 90 days from the date of the dispute ''. Rebilling my account on XX/XX/XXXX exceeds the 90 day provision in the law. Capital One is NOT permitted to rebill my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2020 I made a purchase at XXXX I had a problem with the purchase that XXXX would not resolve. On or about XX/XX/XXXX I filed a written dispute with Capital One. 
I was given a credit on my account in the full amount of {$61.00}. Federal law states that " the creditor must resolve the dispute within two billing cycles, but not more than 90 days, after receiving the dispute ''. On XX/XX/XXXX Capital One rebilled my account for the full amount of {$61.00}. The 90 day rule had expired. Capital One is NOT permitted to rebill my account in XXXX for a dispute that I filed in XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Delta Management Associates, Inc.
State: VA

Complaint narrative:
Delta Management sent a letter to my employer asking the institute to deduct {$240.00} bi-weekly to service my defaulted student loan. I tried to negotiate the amount but the company refused to listen to me or work with me. I continued to pay until the federal government suspended all payments and collections in 2020 when COVID-19 break. 

Delta Management continued to convince my employer to deduct three payments and sent to them even when the Federal Government suspended all student loan payments and collection activities. 

I contacted Delta Management in XXXX and spoke to them almost every day to refund the money taken to me but they refunded one payment out of the three and promised to refund the rest in two weeks and that has not happened, I continue to call at least once a month all that I hear from the staff is " I am requesting a refund for you and it will take 2 weeks to get to you. '' I have not received the two refunds since XX/XX/2020. Please help me to get my refund since my request is informed by a legislative instrument. Any time I called in the past, they take my address and phone number which I willingly provide but they consistently said " we have a wrong address. '' but they have sent a check to me by address. 

Thank you for the support XXXX XXXX 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 2020-09-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: AL

Complaint narrative:
I pulled my credit report and saw several fraudulent accounts to whom I have no knowledge of, some of them dont even have an account name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19 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: RentDebt Automated Collections, LLC
State: MO

Complaint narrative:
I terminated a lease in agreement with management and was then pursued for {$1700.00} for breaking the lease. No judgement was obtained nor any promise to pay : management blindsided me. The {$1700.00} is on my credit report as legitimate but it is not, my next step is to file a complaint in my local courthouse.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Theres a few inaccurate accounts as well as personal info which need to be deleted immediately.

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 2020-09-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: FORD MOTOR CREDIT CO.
State: TX

Complaint narrative:
On XX/XX/XXXX, my husband and I went to look to trade out our XXXX XXXX XXXX. The lease was ending on XX/XX/XXXX. We decided to go with a XXXX model and started the process of closing the terms of the Ford Credit XXXX and starting the XXXX lease. This is when all the issues started. First, we were told that we would have to get the payoff amount from the XXXX Dealership we originally started the lease. After exactly 60 minutes of trying to get a person on the phone at XXXX XXXX in XXXX, TX, we eventually started the paperwork based off the payoff from calling Ford Credit which stated {$17000.00}. After paperwork was signed, we drove 30 minutes to the XXXX XXXX dealership where at least 50+ employees were in the building ( even though they couldn't answer a phone call ). Spoke to XXXX XXXX, their Finance Director, and eventually got the payoff for XXXX. I understand there's a difference because of interest, but we were not expecting it to be $ XXXX more. However, we then drove 30 minutes back to the XXXX dealership where we got the XXXX and redid the paperwork based off the new payoff and we paid the difference. About three weeks later, we started getting collection calls for the XXXX XXXX. We explained the car has already been traded in and paid off, but on their end, it showed it was not. Come to find out, Ford Credit was trying to add an extra {$4300.00} to the total payoff amount, even though we got a document from XXXX XXXX stating the amount of {$18000.00}. The XXXX dealership had to take it to their corporate office to dispute it, but eventually paid it off on XX/XX/XXXX. Now we are getting collection calls again stating we owe over {$1400.00}. We should NOT owe more money on a car we have not had since the end of XXXX and shows to be paid off!!

Company response to consumer: Closed with monetary relief