vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-19 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties. This looks SUSPICIOUS AND DECEPTIVE ; I demand proof TO SEE valid authorization/proof of alleged debt. Reporting without valid proper disclosure requirements is in direct violation of my consumer rights. I XXXX XXXX, legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these regulations by the FTC U.S C41, et Esq. I am maintaining a careful record of my communication with your company.

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 2021-08-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AR

Complaint narrative:
USAA ended my Membership recently. Now I have a email saying I have a secure message. I can't access secure messages since I don't have a Membership. I've tried to call but PIN doesn't work. Without a PIN you can't reach live person, can't leave a message, no way to reach anyone. They won't reply through social media, emails are not replied to. I don't know what the message is about. It could be nothing, it could be important. I need to know how to read the message, how to Contact a live person. 
Thanks, XXXX usaa membership # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 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: EQUIFAX, INC.
State: PA

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 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: IL

Complaint narrative:
I contacted Equifax on XX/XX/2021 and as of XX/XX/2021 I still have not received a response. It has been more than 30 days. My credit report has a lot of wrong information on it and I want it deleted right now because Equifax is keeping me from getting an apartment because the credit report is wrong. I wrote a letter but no one from Equifax is responding or sending me a new copy of my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Below are the accounts that are still reporting on my account : XXXX XXXX- Balance $ XXXXDate Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original creditor : Medical ) - Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Revco Management, LLC
State: NC

Complaint narrative:
After Revco Solutions communicated to me about how they are terminating collection efforts after my cease and desist. I noticed something very odd. I received the letter stating false numbers and figures ( 15 USC 1692f ( 1 ) ) as if the debt was still owed under my name. They did not validate the debt according to 15 USC 1692g therefore the balance should be {$0.00} and/or account should be deleted/terminated. I expressed this is my cease and desist letter. Not only did I receive false figures. I also was sent a medical statement of all my alleged debts. It had my medical records also attached which is a violations of privacy laws under numerous acts such as the FDCPA and HIPAA. I have attached the invoice of these violations as well as the letter for proof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-19 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I contacted XXXX XXXX Services on XX/XX/2021 by mail to send all required paperwork showing their right of repossession and that repo did not violate Louisiana Law. According to the FDCPA and FCRA 14 days is given for a response. No response from XXXX XXXX. Sent a follow up letter on XX/XX/2021 No Response. I disputed collection account on my credit file with XXXX, Transunion, and XXXX also provided documentation of XXXX XXXX failing to respond. The account still remains on my credit file. The only explanation given is the account was validated. This account is blocking my ability to obtain new 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 2021-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
FIRST FEDERAL CREDIT C took my identity and reported false information on my consumer report. I don't know who they are, I have never heard of them, and they cause my scores to decrease by 65 points. I never received any letter in the mail to have the ability to dispute or ask for a debt validation letter. A day before I was supposed to apply for more credit, I was alerted that my score I went down. I am holding this company responsible for the amount of money I was supposed to receive, but did not because of this adverse information. I don't even know what this alleged debt is for. I have attached a page of my consumer report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
i REQUESTED A 2ND CREDIT CARD FROM CAPITAL ONE. THEY THEN RESTRICTED MY 1 ACCT AND THE 2ND CREDIT CARD FOR FRAUD. I HAVE SENT THEM FRONT AND BACK ID, SOCIAL SECURITY CARD, STATEMENT FROM MY BANK WITH A NAME SHOWING MY CHECKING ACCT # AND ROUTING NUMBER WITH MY NAME AND ADDRESS. BLANK CHECK FOR DIRECT DEPOSIT SET UP WITH ALL MY INFORMATION AND MY BANKS. I LIVE WITH MY MOTHER XXXX XXXX WHO IS A MEMBER AND HAS 4 CARDS WITH CAPITAL ONE.SHE ADVISED THEM UTILITIES ARE IN HER NAME AND LEASE AND EVERYTHING. THEY REFUSE TO UNRESTRICT MY ACCTS SINCE XXXX. THEN THEY ARE MANDATING I SEND IN IDENTIFICATION FOR 3 PEOPLE I ASKED TO BE ADDED AS AUTHORIZED USERS THAT I ASKED TO BE REMOVED AS AUTHORIZED USERS JUST SO THEY CAN REMOVE THEM. THIS WAS ESCALATED MONTHS AGO DUE TO COMPLAINT WITH CFPB AND THEY STILL DID NOTHING TO RECTIFY THIS. I HAVENT BEEN ABLE TO USE THE OLD CREDIT CARD ACCT AND NEW CREDIT CARD ACCT SINCE BEFORE XX/XX/2021. THEN THEY CLOSED THE ACCT WITHOUT MY PERMISSION AND LEFT THE ORIGINAL ACCT RESTRICTED

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 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: Paypal Holdings, Inc

Complaint narrative:
On XX/XX/2021 ( XXXX time ), I made a transaction with this " seller '' on XXXX using PayPal in order to purchase a digital good. As seen in the screenshots from my phone, you can tell that the seller scammed me and blocked me after I had sent him the money. Fortunately, I sent the money as goods and services on PayPal, therefore I was able to open a dispute on the transaction in order to get my money back. I honestly had no idea he was a scammer, all I wanted to do was to purchase a digital good. So after opening a dispute and working with PayPal to get my money back, PayPal sent me an email 7 days after on XX/XX/2021, saying I can no longer do business with PayPal as they have permanently limited my account because they found a " potential risk '' associated with it. At that time, my case on PayPal was still open, and I did not know why my account had been permanently limited. I sent a message to PayPal on their Message Center the same day asking for the reason because I knew for sure my intention was never to put my account at risk. But because they did not get back to me early so I decided to call them. The call was only 7 minutes, I talked to a PayPal agent and asked him for a specific reason, but he kept on saying that PayPal could not give me one because of their policy. I am the account owner and I think I deserve the right to know what happened and why my account was a potential risk. However, I still could not get a reason during the call. I then decided to wait for PayPal to get back to me through the Message Center. On XX/XX/2021, PayPal got back to me saying their decision was final ( as shown in the screenshot ) and still, I did not get a specific reason. I only know that PayPal consider my account involved in possible fraudulent or high risk behavior, but I have never once meant to do any of those. As for the dispute, PayPal says that I am refunded and the money will be transferred to my bank account, but I still have not received anything, I guess it is because PayPal is holding it up to 180 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 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: PA

Complaint narrative:
What the XXXX is going on? I sent you a letter regarding inaccurate things on my credit report on XX/XX/2021 but to this day over 45 days already, I still got no response. I was told by an attorney that consumer law obligates you to investigate these negative items within 30 days and remove them if nothing is found, but it has been over a month now, and your inaccurate reporting still affects my credit. you are ignoring my disputes. I demand these accounts be deleted immediately or I will file for litigation due to all the troubles you caused me. My information was impacted by XXXX data breach and may got into hands of the wrong person and its your obligation to fix all these errors.

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 2021-08-19 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: EQUIFAX, INC.
State: PA

Complaint narrative:
What the XXXX is going on? I sent you a letter regarding inaccurate things on my credit report on XX/XX/2021 but to this day over 45 days already, I still got no response. I was told by an attorney that consumer law obligates you to investigate these negative items within 30 days and remove them if nothing is found, but it has been over a month now, and your inaccurate reporting still affects my credit. you are ignoring my disputes. I demand these accounts be deleted immediately or I will file for litigation due to all the troubles you caused me. My information was impacted by Equifax data breach and may got into hands of the wrong person and its your obligation to fix all these errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
The federal violation conducted pertains to the Consumer Protection Act whereas SquareXXXX failed To protect consumers from unfair or deceitful actions made against me by its merchant, XXXX XXXX. Also, my consumer protection was violated in the state of Texas in which a consumer complaint was filed. 

The merchant offered store credit for its consumers via website and refused to honor that for me. So as of today it has my products as well as charged me for the products. 
Prior to reaching out to you directly, I have taken multiple attempts with disputing this matter with my bank XXXX and the merchant lied and indicated that I have my products which I don't. 

Before I seek legal guidance from a consumer attorney and escalated this matter to the following entities CFPB, XXXX  and Texas Attorney General, I believe that its important for the entities to know the lack of accountability SquareXXXXXXXX has taken regarding my matter and not being careful as to know how merchants refuse to work with its customers after being suggested. SquareXXXX should have understood as a brand consumers are helping small businesses and corporations during these times of the pandemic and for consumers not to be ripped off with falsified policies. 

Also, SquareXXXX should acknowledge that the merchant should be held responsible for its Liability for Chargebacks especially after disputing with my institution. 

I attached the following images to support my dispute which shows the merchant having my products via tracking number, a screenshot of her website with the verbiage of " store credit only '', screenshots of her threatening me on social media, etc. 

Since then, I have reported this behavior as consumer fraud and theft to FTC as well Report # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
Hi! 


i would like to file a complaint om Chase auto, XXXX XXXX, XXXX  and XXXX  because theese companies are reporting inaccurate information to my credit report. 

On XX/XX/2021 my insurance company sent check in the amount of XXXX, paid the account off in full. On XXXX XXXX I received a letter and check in the amount of {$120.00} attached from chase auto stating the car loan was paid in full and that I overpaid the account and they were refunding me. 

In XXXX, & XXXX I paid my car note even though my insurance company had paid the account in full in XXXX because I was advised my a chase auto representive that Even though they did receive the check on XX/XX/XXXX that my account had to be updated and it would take serval weeks in which i found that odd. 

I have never missed a payment and this error has effected my credit scores bad. I have called all 4 companies and have been unsuccessful resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
We currently have excessive fraud to include mortgage fraud. We are requesting all documentation pertaining to property located at XXXX XXXXXXXX XXXX XXXXXXXX Ga XXXXThis house was stolen and sold in XXXX, My spouse filed Bankruptcy and the home was abandoned by the Trustee. The home was not abandoned by us. There were utilities on and the yard was being maintained. In addition, to our updated contact numbers and address. We were not notified of any court dates. My spouses bankruptcy case is still open.We have no documents regarding this loan with WELLS FARGO FINANCIAL GEORGIA , INC, INC We did not take out additional loans on the home. The home was purchased in XXXX. It was sold by XXXX XXXX XXXX located in XXXX Ga. We will told the home was foreclosed on however, this was not the case .XXXX XXXX  XXXX US FED BRC XXXX XXXX OF GA XXXXWELLS FARGO FINANCIAL GEORGIA INC ACCT NUMBER XXXX XXXX XXXX FOR YEAR XXXX. 
PLEASE NOTE PROPERTY LOCATED AT XXXX XXXX XXXX XXXX, XXXX GA XXXX WAS ALSO STOLEN

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 2021-08-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
TD Auto Finance Account # XXXX XXXX XXXX XXXX XXXX Contract Date : XX/XX/XXXX Payoff : {$20000.00} Contacted TD over my issue with two XXXX houses and the problem they can't fix which is my engine. The engine is not working at all and TD Auto will stop the payments. The vehicle might be towed from XXXX XXXX XXXX in XXXX, TX. I want money back the vehicle but they seem to not want to assist in the matter. My credit is awesome and I pay my monthly dues. 

XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was notified of a collection acct from XXXX  & Transunion credit agencies. I disputed the acct with both companies this XX/XX/2021. After both agencies investigated, the acct was deleted from my records ( the collection was for XXXX {$220.00} ). In XX/XX/2021 I received notification again from another collection agency for the same ( XXXX {$220.00} ), I disputed the acct again. XXXX  deleted the account again, but Transunion did not. I called Transunion and explained it was for the same XXXX  for the same amount just a different collection company, I asked them to look in my file for the prior dispute from XXXX, and they had a record of it, I was told to re-dispute it, so I did explaining all above. I just received the dispute results, after their investigation they verified its correct. Which its not, just because I lived at an address does not mean I ordered, used or paid for any services, as I explained in this dispute I did not. I chatted with Transunion asking for a written copy of my prior dispute in XX/XX/2021, they said they can not provide that. They sent me a one-time notice via email that I could and did see the finalized original dispute, I did not know I would have such limited access to my information. The dispute was filed online, I have no paperwork trail. I'm trying to fight a collection on my report that is not mine and feel this is an important document. Should I not have access? I asked for proof that I ordered, used or paid for this XXXX  ... ..of course they did not supply that because they can't. I do feel I should be able to obtain a written copy of a dispute. I know its not a huge amount but its affecting my credit. Thank you for your time and helping me with this.

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 2021-08-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: HIGHLANDS RESIDENTIAL MORTGAGE
State: TX

Complaint narrative:
I got a VA loan with Highlands residential mortgage. i went through a hardship due to corona and the election. i was paying a 3.1 % interest rate. i was put on a forbearance plan for three months and told that i had 6 months. Then i was told i would be able to get a deferment towards the end of the loan. After 3 months Highlands reported me to the credit bureaus which hit my credit and sold my loan to XXXX XXXX. XXXX  XXXX  had no idea i was in forbearance plan. i can never get ahold of anyone and when i do there is a language mis communication. i can understand word they say. They finally give me a personal agent but takes days to get ahold of him. Got paperwork to sign my interest rate went up to 3.5 % my note went up from {$1200.00} a month to {$1900.00} a month! im a XXXX  dad of XXXX  young boys, a veteran, and work very hard to get the things i have. how is this legal in these times? what are my options? Its like they trying to make it to where i cant pay it!

Company response to consumer: Closed with explanation