vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-22 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: AL

Complaint narrative:
On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion

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 2021-12-22 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion

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 2021-12-22 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: Albert Corporation
State: TX

Complaint narrative:
The phone number says he with my account is XXXX for my phone in my purse were stolen I made a police report I sent it to your people my name is XXXX XXXX the counter on XXXX XXXX my birthday is XX/XX/XXXX my Social Security number is XXXX email says he will my count is XXXX XXXX XXXX {$1500.00} was stolen from you it was a deposit from XXXX charities I want my money back now Albert Cash Account statement XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Account number XXXX Statement period XX/XX/XXXX, XXXX XXXX, XXXX Transactions Date Merchant Summary Beginning balance on XX/XX/XXXX Deposits Withdrawals Purchases Fees Ending balance on XX/XX/XXXX Get help Text us at XXXX XXXX {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} Balance Type Amount Error resolution notice In case of errors or questions about your electronic transfers telephone us at XXXX or write us at XXXX as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer on the statement or receipt. We must hear from you no later than 60 days after we sent you the FIRST statement on which the error or problem appeared. 
( 1 ) Tell us your name and account number ( if any ).

( 2 ) Describe the error or the transfer you are unsure about and explain as clearly as you can why you believe it is an error or why you need more information. 
( 3 ) Tell us the dollar amount of the suspected error. 
We will investigate your complaint and will correct any error promptly. If we take more than 10 business days to do this, we will credit your account for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. 
Banking services provided by XXXX Bank, member FDIC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC

Complaint narrative:
In this day and age of electronic payments, there is NO way that USAA Savings Bank/USAA Federal Savings Bank needs 7 to 10 days to process my monthly electronic draft payment. I pay our XXXX bill using electronic draft from my checking account every month, with payment always set prior to the due date, often a week to 10 days prior to the due date. I pay in full every month, and have done so for the over thirty years I have had a credit card with USAA. The payment amount disappears from my checking account on the date I have set the payment. USAA, however, does not release our credit limit for up to TEN days after the funds disappear from our account. 

If this were a paper check, I would have some understanding of the need to confirm that funds are available in my account, and that process taking several days. However, there is NO way that USAA doesn't have those funds almost instantaneously, and certainly within one to two days of the electronic draft date. 

When USAA does not fully credit our account with this payment ( which, again, is drawn electronically and immediately from my checking account ) and release our credit limit, however, I can not use our credit card. It causes real hardship during times of year, like XXXX, when we are making large purchases and need a credit card to do so. If USAA has my previous payment in their accounts, I should be able to use our account up to the full credit limit ( minus whatever outstanding balance we have accumulated in the interim period between the statement date and present date ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio recovery is currently trying to collect medical debt from me. My credit report is reporting three different days last active. 
XXXX. XXXX XXXX. XXXX XXXX removed for errors This can not be correct, as the day last active would affect the day the account would naturally drop off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 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:
I received copy of my credit report and i still don't understand why are you reporting these accounts, which were fraudulently open. The companies were agreed, that these were not my accounts, i have never applied for it, They don't have any proofs with my signature. Someone applied for these companies using my personal information, Iwas victim of identity Theft.

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 2021-12-22 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:
I received copy of my credit report and i still don't understand why are you reporting these accounts, which were fraudulently open. The companies were agreed, that these were not my accounts, i have never applied for it, They don't have any proofs with my signature. Someone applied for these companies using my personal information, Iwas victim of identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Transunion is making me very angry. The consumer reporting agency is INTENTIONALLY ignoring my claim and disregarding my rights. The agency is disregarding my rights purposely because they are saying my claim is to " verify '' or " validate '' accounts when I'm actually pointing out their unlawful practices. Transunion is reporting transactions and experiences which is against the law. The agency is also reporting items that are the result of a credit card. Please note, the instruments that I presented are the reason why they reporting agency is in violation of the laws and they are not allowed to look beyond me exercising my rights. Transunion also didn't respond to my request of the description of the procedures of the investigation because the agency did NOT investigate. The agency deleted accounts from my report because an actual HUMAN looked into my rights so that is proof Transunion broke the law several times and is getting away with criminal activity. You have a duty to remain compliant and not do what you want to do.

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 2021-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Account Control Technology, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX has called 4 times today alone. I have told him that if he has legitimate business with me send me the paperwork and I will have my attorney take care of it. He calls and threatens to have papers served on me for credit fraud on a debit that I dont owe. He claims to work for or with an attorneys office but refuses to give me the name. He tells me that they, meaning him and a collection agency that has been harassing me for XXXX years named XXXX XXXX, are just going to continue calling me. They call my parents house number as well as my number. I have asked for them to send me documentation for the debit and they just threatened to have me arrested because I didnt want to pay over the phone. I have been harassed and threatened by these people for years and I have repeatedly told them that I dont owe the debit and told them to no longer call me. XXXX XXXX XXXX phone # is : XXXX ( XXXX ) XXXX. The number of XXXX  changed every time or was blocked but my parents continued to tell them that that it wasnt my number. 
My name is XXXX XXXX XXXX My Phone number is XXXX and my address is XXXX XXXX XXXX, XXXX XXXX Tx XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I noticed that XXXX has removed my XXXX  XXXX bankruptcy from my report. The bankruptcy was filed on XX/XX/XXXX. Transunions website states it will remain on my file for up to 10 years. This is a federal Bankruptcy so I would think the credit bureaus would be required to be consistent in reporting information. They told me it will remain in my report until XX/XX/XXXX. I have excellent credit since the bankruptcy so one would think they would take this into consideration when saying it will be on the report for up to ten years.

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 2021-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Gurstel Law Firm, P.C.
State: AZ

Complaint narrative:
I was given a letter in mail stating the request for entry of default judgement without hearing and due to justice court rule they now are asking for funds on an old credit card account. 
this company Gurstel Law Firm in XXXX Arizona I have dealt with them in the past and they understood I was on social security and own no assets so they dropped the case. now they are here again but the amount owed to creditor differs. I spoke to my legal aid before and they said I should not have notified them at all so that is what I did this second time. 

they send a " court person '' to serve you with papers but they literally threw the papers at me and I did not even tell them who I was. 
now I have a Request for entry of default judgement without hearing from this same company

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax is making me very angry and the fact that you are trying to get away with criminal activity makes me take your agency to the media. The consumer reporting agency is INTENTIONALLY ignoring my claim and disregarding my rights. The agency is disregarding my rights purposely because they are saying my claim is to " verify '' or " validate '' accounts when I'm actually pointing out their unlawful practices. Equifax is reporting transactions and experiences which is against the law. The agency is also reporting items that are the result of a credit card. Please note, the instruments that I presented are the reason why they reporting agency is in violation of the laws and they are not allowed to look beyond me exercising my rights. Equifax also didn't respond to my request of the description of the procedures of the investigation because the agency did NOT investigate. The agency deleted accounts from my report because an actual HUMAN looked into my rights so that is proof XXXX broke the law several times and is getting away with criminal activity. The agency is also practicing aggravated identity theft as they are listing information from a company I don't have a contract with nor did I give consent to have my identity. DO NOT take this as a dispute. I am exercising my rights and if you send this demand through a computer, you are practicing criminal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was scammed of {$350.00} after I received an email stating that in order for me to upgrade my XXXX account to a XXXX business account I had to send {$350.00} to a XXXX agent. The emails were structured as a XXXX email and the fraud/ scam artist was impersonating a XXXX  agent. 

Filed several times already and no one has been able to help me. I work hard for my money and I was scammed of {$350.00}. Money that could be going to my family and expecting baby. I filed this claim the day the incident happened so I don't know why the money wasn't stopped or retracted as soon as I sent it. Instead the process has been dragged XXXX months. Wells Fargo has a policy where the supposedly protect their customers from incidents such as this one, but they have done little to nothing to help me. This is the first time a situation such as this one happened to me and my own XXXX bank is unable to protect me from things like this. MY OWN XXXX  BANK IS UNABLE TO PROTECT ME FROM FRAUDS AND SCAMS.

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 2021-12-22 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: EQUIFAX, INC.
State: AL

Complaint narrative:
On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: CO

Complaint narrative:
I am a current customer of Freedom mortgage and requested a Cash out refinance back in XXXX of 2021. They asked me to provide a {$300.00} deposit for an appraisal which I did back in XXXX they indicated that I would be refunded the {$300.00} if anything happened and the refinancing did not go through because of the incompetence of their customer service department they did not get the paperwork processed in time on XX/XX/2021 on their form I requested a refund of that {$300.00} they indicated it would take 10 to 14 business days for it to show up in my checking account today is XX/XX/XXXX and after numerous emails back and forth about this {$300.00} I am still yet to receive it. I have copied the emails and attach them for your perusal.

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 2021-12-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have flood insurance and have submitted proof to the mortgage company TIAA and XXXX and they continue to add forces placed flood on my escrow. I have tried over 8 times to correct it and nothing gets done.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I filed a dispute in XX/XX/XXXX with Walmart, XXXX XXXX, XXXX and XXXX. My complaint was inaccurate information on all three credit reports that came from one furnisher. 
Synchrony Bank provided all three credit bureaus my account information and all three document different information on my credit reports. 
The date of last delinquency XXXX XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX did they re-age my account? 
Charge off sequence according to XXXX XXXX is in accurate. 
XXXX XXXX has payment until XX/XX/XXXX I made payments XXXX and XX/XX/XXXX XXXX has payment until XX/XX/XXXX says 60 days late also 60 days late XX/XX/XXXX XXXX has payment until XX/XX/XXXX late 30 ,60 ,90 days charge off XX/XX/XXXX also XX/XX/XXXX I was not 30 days late. I received a request from Synchrony for more information. completed and faxed back. XX/XX/XXXX I received updated credit reports saying all information was VERIFIED and ACCURATE. I replied with the attached letter dated XXXX XXXX asking how and when this information was verified. XXXX XXXX removed the account. XXXX and XXXX did not fix the problem nor answer the question. XXXX has delete my payment history. XXXX removed my payment history from XXXX and continue to report on a charge off account in XXXX. How is this fair or accurate. 
Please see my attached letter dated XX/XX/XXXX it list the multiple calls I have made to Synchrony to have this account 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 non-monetary relief
Consumer complaint received 2021-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian is making me very angry and the fact that you are trying to get away with criminal activity makes me take your agency to the media. The consumer reporting agency is INTENTIONALLY ignoring my claim and disregarding my rights. The agency is disregarding my rights purposely because they are saying my claim is to " verify '' or " validate '' accounts when I'm actually pointing out their unlawful practices. Experian is reporting transactions and experiences which is against the law. The agency is also reporting items that are the result of a credit card. Please note, the instruments that I presented are the reason why they reporting agency is in violation of the laws and they are not allowed to look beyond me exercising my rights. Experian also didn't respond to my request of the description of the procedures of the investigation because the agency did NOT investigate. The agency is also practicing aggravated identity theft as they are listing information from a company I don't have a contract with nor did I give consent to have my identity.

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