vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have been violated by XXXX XXXX on XX/XX/2021. I am a victim of identity theft and had an lawful inquiry reported on my credit. Equifax, which is an elaborate mechanism has assumed a vital role in deeming my creditworthiness and credit standing. To assume means to take for granted without proof as the basis of argument. It is unlawful for any creditor to discriminate against any applicant who in good faith exercises their right under 15 U.S. Code 1691. I have been brutally abused and deceived. Listed below are the laws that protect me as a natural person and consumer from the abusive practices exercised by consumer reporting agencies. 
15 U.S. Code 1640 15 U.S. Code 1681 15 U.S. Code 1681n 15 U.S. Code 1691 15 U.S. Code 1692c Please remove this inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CHS, Inc.
State: VA

Complaint narrative:
I have called this company multiple times to get my account number to pay my debt, every time I speak with the representatives here in XXXX, Virginia, they are rude even though I am trying to pay. They won't take payment over the phone. They stated they are sending me the information in the mail multiple times and I never get anything. I made sure they had my correct address and everything. They will not send me anything. My credit score is being affected by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
On XXXX XXXX, I thought about getting my first car so I decided to check on my credit report. I seen that there is an open credit card on my file that I have no idea of, I tried to file a dispute with the XXXX credit beraus and they declined it because said that it was accurate information. I really need help with this I dont know who what or how someone did this in my name but it has to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERIS BANCORP
State: GA

Complaint narrative:
I called my servicer ( Ameris Bank ) on XXXX separate occasions to inquire about tax penalties that were included in my escrow analysis. The first representative told me the penalties were due to not setting up an escrow account when the loan was established. From the attached document ( Opt in - Escrow - Loan Closing Disclosures ), it is evident that I opted into an escrow account and that the error was on Ameris Bank. She then explained that they would be advancing payments of {$440.00} for the next 12 months to cover the shortage beginning XX/XX/XXXX. She advised me to file a claim, as did the other XXXX representatives. They advised emailing " XXXX ''. I sent XXXX separate emails and have still yet to get an answer. Additionally, the escrow balance and escrow amount beginning XX/XX/XXXX does not reconcile. ( See columns XXXX and XXXX in the " Account history '' attached ). I still do not have an answer as to why the calculation is incorrect. It is clear that Ameris Bank did not pay XXXX XXXX on time and are now attempting to pass the late fees onto me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: DC

Complaint narrative:
My complaint concerns a mortgage with BSI Financial Services. On XX/XX/2021, BSI deducted {$4100.00} from my mortgages escrow account to pay property taxes in Washington XXXX DC. But BSI placed the wrong lot/parcel number on the payment, meaning that the amount was NOT paid for my property. BSI paid taxes for a property with lot number XXXX, but MY property has lot number XXXX. I became aware of BSIs mistake in XXXX 2021, called the company several times to investigate the problem, and worked to set the record straight. BSI proceeded to pay my propertys taxes by deducting another {$6500.00} on XXXX/XXXX/2021 from the mortgage escrow account so that my property taxes are now up-to-date. 

The problem? BSI has not refunded my escrow account the {$4100.00} that it had paid in error to lot number XXXX. As a direct result, my escrow balance is significantly negative ( - {$2600.00} ) and for the year ahead BSI is increasing my monthly payments by a whopping {$410.00} to cover the escrow account deficit. In other words, BSI is passing the cost of their error directly onto me by deducting these tax payments -- whether for my property or not -- from the escrow balance. 

BSI has not been helpful in resolving this problem. Every time I call the company, I am told that the issue is getting flagged for the tax department but I am never allowed to talk to the tax department directly in order to get even a simple confirmation that my case is under active work. Nor am I allowed to talk with a supervisor despite the customer service representative saying that s/he is consulting with a supervisor. I also receive reassurances that I will be called back with an update but that has yet to happen. I say this having called BSI at least 20 times and literally having spent hours trying to resolve the issue by phone. Emails go unanswered or vaguely answered too.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
Transworld systems XXXX XXXX at XXXX  XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX XXXX  I give proper notice of move out and it was due to XXXX which is extreme unpredicted circumstance. The account balance is inaccurate, the lease clearly stated that its on month to month base and if not given proper notice Balance owed would be XXXX months rent and the fees added are excessive and dishonest activity. 
Please Verified the debt. is the actual amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 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: IL

Complaint narrative:
I have disputed multiple items on my report a couple of times I have not received no verifying items of these matters in my report and I have seen no letters detailing why these items have been on my report I read XXXX days of not verifying items on my report it has to be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 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: IL

Complaint narrative:
I have disputed multiple items on my report a couple of times I have not received no verifying items of these matters in my report and I have seen no letters detailing why these items have been on my report I read XXXX days of not verifying items on my report it has to be deleted

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 2021-12-15 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: OH

Complaint narrative:
I've sent out certified letter over XXXX days ago and I have not heard one peak out of this Transunion. I have no idea if they are even investigating my request. There are a few things on my credit report that is completely wrong and inconsistent. I ask that they complete a investigation and to these items and crickets. I can provide letters showing what I sent. I need help please my employment relies on it

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 2021-12-15 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: IN

Complaint narrative:
On XX/XX/XXXX I attempted to access my USAA bank account, and was greeted with a message to contact USAA customer service. It took until I got to an Executive Relations Team before anyone could figure out why, someone had tried to access my account with an invalid password over the last few days. USAA chose not to notify me of this. On to their CEO Resolution Team, I was told the fraud department would look at it ... 2 days later I am still locked out of my account while the fraud department is allegedly doing there thing ... no one knows when or how I'll get back into my account. This happened in 2018, this is the 2nd time USAA has allowed this to happen. In 2018 they allowed someone to take over my entire bank account, they refused to help, they refused to give me any information to protect myself, my financial records, my job or my security clearance. I suspect it was an inside job at USAA - no way this happens to the same person twice. Only after 14  months of constantly calling and complaining did they eventually tell me what happened. The relationship with them has been damaged ever since. I want back in my account so I can pay off credit cards I have with them and close the remaining accounts I have. This bank prey 's on military members by claiming they are for us, however, it is quite the opposite.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: WA

Complaint narrative:
Portfolio Recovery is calling me from various numbers, every day. I block the numbers but they call the next day on a different number. Within this month so far I have gotten XXXX calls, I have no debt so I shouldn't be getting these calls

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: UPGRADE, INC.
State: TX

Complaint narrative:
We are showing 13 missed/ late payments. They were reporting to XXXX XXXX 100 % on time and another late with 9 reports. After calling and having them do an investigation onto why when all payments have been made and put on their hardship they went to the credit that was reporting 100 % and put 13 missed payments on that one. We have 25 payments made to this company even double payment and I have emails from their representatives showing that our account has been active doesnt show any late or delinquent and also being on their hardship or reduce our payment amount and never be reported to credit, also during that time their website did tell us we were delinquent and I have an email saying to ignore that because we were on a hardship and they do not report delinquent. I have many emails proving what they told me wrong with the credit reporting and they do not want to fix it when I have a complete proof that they are in the wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Please be advised I have disputed these items on my report multiple times no one has sent me verifying items for these items on my report and it has been more then thirty days please investigate these matters immediately and remove off my report I have not receive any documents within thirty days and thats against fcra policy

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 2021-12-15 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: GA

Complaint narrative:
I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 34 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2021-12-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XX/XX/XXXX I sent a cease and desist to XXXX to stop third party communication and as I review my consumer report it is still being furnished which is in violation of my cease and desist.

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 2021-12-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Sunset Management, Inc
State: GA

Complaint narrative:
The company has repeatedly called friends of mine and harassed them about my debt they have also come to my moms house a number amount of times to discuss my debt with them telling them they were going to have to take me to court even after they have told them I dont live there anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
This is a continuation of complaint number XXXX and XXXX. In XXXX of 2021 I received a check from my insurance copmany and deposited it into my bank account with Capital One. A few days later they contacted me and told me they were going to hold the funds for 30 days. I waited until after the 30 days and contacted them again and they said now they had new requirements to release the funds they would need a hold harmless in order to release the funds. I have been back and forth with XXXX and Capital one several times trying to get this resolved. After the last complaint I was given a number to call to speak with someone directly but have left multiple messages at that number and recieved only one call back ( I did miss that call ). After pleading with insurance company they finally provided me with a Hold Harmless letter which I am including in the complaint. Obviously I'm very frustrated at this point, I have tried calling the bank to ask where to send this letter but get put on hold for very long times and end up having to end the call because I can not wait on hold for 45 mins +. This seems to be the only venue where I get responses to my issues. I did get someone on the phone today who provided an e-mail to send the letter to and while they were very professional they could not provide me with a timeframe or a number to call to check on the progress of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc.
State: MO

Complaint narrative:
HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE USED MY PERSONAL INFORMATION TO OBTAIN XXXX XXXX IN MY NAME. THE FOLLOWING ACCOUNTS WERE FRAUDULENTLY OPENED IN MY NAME : XXXX XXXX XXXX OPENED : XX/XX/2021 XXXX. XXXX XXXX XXXX XXXX OPENED : XX/XX/2021 XXXX. XXXX XXXX XXXX XXXX OPENED : XX/XX/2021 XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 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: NJ

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I tried to get a capital one card after having my walmart card cancelled without knowledge and denied both

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 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: MI

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

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 2021-12-15 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: GA

Complaint narrative:
I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 34 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 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: GA

Complaint narrative:
I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 34 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2021-12-15 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: NC

Complaint narrative:
Please be advised I have disputed these items on my report multiple times no one has sent me verifying items for these items on my report and it has been more then thirty days please investigate these matters immediately and remove off my report I have not receive any documents within thirty days and thats against fcra policy

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 2021-12-15 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: NC

Complaint narrative:
Please be advised I have disputed these items on my report multiple times no one has sent me verifying items for these items on my report and it has been more then thirty days please investigate these matters immediately and remove off my report I have not receive any documents within thirty days and thats against fcra policy

Company response to consumer: Closed with explanation