vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-21 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: TX

Complaint narrative:
On the account with Equifax, I have written them numerous times as well they are showing an account with XXXX XXXX XXXX as inaccurate with an updated Date of Last Active which matches the Date of Last Reported. This shows they updated this account and Re-aged this account which is now a violation. Along with the fact that the High Credit Limit is matching the Balance which is inaccurate. This account is not a joint account and if they had actual proof they would have provided that because the method of verification was asked for numerous times. I have also asked for an independent investigation because due to XXXX XXXX XXXX it is required and they have yet to provide this information. I have been pushed to place in this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 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: MI

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-04-21 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: MI

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I was contacted on XX/XX/2022 by the Citibank fraud department about an unauthorized transaction of {$40000.00} which occurred on XX/XX/2022. ( Citi Fraud case # XXXX ). I confirmed it was in fact an unauthorized transaction. I was informed that an investigation had begun. I filed a police report and confirmed with my bank that the compromised account was blocked as a precaution. I promptly handled my compromised account on XX/XX/2022 at my local branch. I was instructed to submit a notarized affidavit stating that I wasnt aware of and did not initiate any of the transactions either internal or the external wire, which, with the help of my local branch manager, I submitted on XX/XX/2022 ( affidavit attached ). I have also filed a police report, a copy of which is attached to this email. 

Today, XX/XX/2022, is the 14th business day since I was informed of the fraud and that an investigation was underway.

Per Reg E -11, the 10 day investigation period has expired.

Per Reg E- 11, " The institution shall report the results to the consumer within three business days after completing its investigation. '' Today is the fourth business day following the 10 day investigation period. 

I have requested the bank to provide me the results of the investigation by the end of business yesterday. - NOT RECEIVED I have also requested the bank as provided by Reg E- 11, along with the written explanation of Citibank 's findings, to please provide all documents that Citibank relied on in making its determination. - NOT RECEIVED Please return the {$40000.00} to my account by the end of business yesterday. - NOT RECEIVED If the investigation has not finished and Citibank has met the requirements to extend to the allowed 45-day investigation period, my account should be provisionally credited by close of business today, as provided by Reg E-11. I understand that Citibank may withhold a maximum of {$50.00} from the amount credited. NOT RECEIVED Not only has Citibank done any of the above, they have not responded to any of my emails with any substantive information. 

I have written to the CEO as well but nothing has come out of that interaction yet.

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 2022-04-21 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX, DP OF EDUC XXXX, DP OF EDUC XXXX, XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-04-21 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: USCB, Inc.
State: OR

Complaint narrative:
I received a medical bill, but missed the original letter in the mail while I was traveling. I later received a text message with a link to a website where I could pay the bill, but I initially passed off the message as being a potential scam and ignored it. 

The debt was sent to a collections agency. When they called me, the collections agency required me to provide personal information, such as date of birth, before they would provide any details about the debt over the phone. This made it impossible for me to verify that they were trying to contact me regarding a legitimate debt without providing personal information and risking identity theft. Even though I possessed a letter with a " Reference Number '', the phone representative would not accept this reference number as verification and continued asking me for personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 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:
My credit reports states that I have not made a payment on my car lease for over 30 days back in 2017, when in fact my car was traded in for another vehicle and the dealer that took over the vehicle in question did not pay it out on time. Nevertheless, legally I I did not own that vehicle at the time of the payment default.

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 2022-04-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I was shocked when reviewing my credit report and found a 30 day late payment reported for XXXX of 2016. I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement didnt reach me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: TX

Complaint narrative:
Rushmores failure to accept our housing assistance funds ; Rushmores failure to consider all loss mitigation alternatives for our VA guaranteed loan such as a special forbearance ; and for Rushmores denials supported by only conclusory statements and without specific facts supporting the denial. we were not considered for a special forbearance ( given the HAF application and applications for benefits now pending as stated in our hardship letter ), nor does it appear that we were considered for a COVID-19 Refund Modification ( VA Circular 26-21-13 ), and we believe that Rushmores failure to accept HAF funds may have harmed our relief available to us in meeting targeting outcomes for the COVID-19 Refund Modification

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I was under contract on condition of peonage and experienced bank fraud, mail fraud, identity theft. I discovered what was happening and tried to dispute my claim but the bank deprived me of my rights under color of law. I sent a civil complaint to the attorney general as other banks including this one are involved. I am giving the bank the opportunity to view my civil complaint and to remedy the damages that were done and to return all funds to me. I am still being extorted for counterfeit debt and my financial assets are drained. This is a controversy and conspiracy of authorized agents being complicit in active fraud and not helping consumers. They do not know the law and the rights of a consumer and need to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 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: MS

Complaint narrative:
XXXX credit card customer service conversation about this new card on XX/XX/XXXX revealed that late payment reporting was in error. 
XXXX has since corrected the issue on my account statement by crediting the previously recorded late payments and have reported to me, XXXX XXXX that they have also reported to the 3 credit bureaus this error for correction. Please note that this issue caused my credit score to decrease up to XXXX points in one month on XXXX and should reflect the correction by XXXX  XX/XX/XXXX and an increase in score all around. 

XXXX XXXX XXXX  {$700.00} credit limit Card # : XXXX On XX/XX/XXXX {$59.00} annual fee due on XX/XX/XXXX Not informed Late fee XX/XX/XXXX Errorbut still showing past due 30 days on all credit reports, XXXX XXXX and transunion as of today XX/XX/XXXX. 
Late fee XX/XX/XXXX Errorbut still showing past due 30 days on all credit reports, XXXX, XXXX and transunion as of today XX/XX/XXXX. 
{$3.00} monthly statement fee errorbut still showing past due 30 days on all credit reportsXXXX XXXX XXXX and transunion as of today XX/XX/XXXX. 
{$90.00} is past due as of today error but still showing past due 30 days on all credit reports, XXXX XXXX and transunion as of today XX/XX/XXXX. 
I never received a statement they never connected the cards online as I requested and by error, reported to XXXX, XXXX and transunion a 30 day late payment XXXX the Customer Service Supervisor ( XXXX ) XXXX Is the supervisor Spoke to on XX/XX/XXXX XXXX agreed to remove all fees and charge only {$59.00} for annual fee and stated that she has sent a request to correct and delete the 30 day late reporting t to all three ( 3 ) credit bureaus that the payment was never late due to the fact they were sending bills to an address I did not provide to them in error, hence, i never got them as this was a new credit card offer in the first place.

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 2022-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
Account info Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. {$1.00}, XXXX past due as of XXXX XXXX. 
Status updated XX/XX/XXXX Balance {$1800.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance {$1800.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX XXXX XXXX XXXX That is the name of the company I supposedly had services from that I allegedly originally owed. I looked them up and could only find any information on them about having an XXXX rating with the XXXX XXXX XXXX multiple people have had the same situation where they have not been to any of their physical locations and they have been charged similar amounts of money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 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: PNC Bank N.A.
State: TX

Complaint narrative:
I have a credit card through PNC Bank, which was formerly BBVA Compass at the time this happened. My credit card was paid off. There was a charge from XXXX that I reported as fraud for {$28.00} on my credit card. I asked my bank if I should pay it because I saw the balance on my account for a while. I had reported it as fraud. BBVA COmpass said not to pay it. I later got a 30 day late payment reported on my credit bureau for XX/XX/XXXX. I had tried to reach out to the bank by phone and the help center wasn't able to resolve it, just told me they couldn't fix it or it would take a few more months. I was very frustrated so I reached out to the CEO on Linked in who put me in touch with a rep named XXXX XXXX who started emailing me via secure BBVA email. I have a customer care # of XXXX. She had sent me a letter saying she would fix the credit bureau mistake. I had emailed her several times through their secure portal. A year later i look at my XXXX credit report and still see the 30 day late. So, I submitted a dispute through XXXX, who left it the same post investigation. The bank is now PNC so not sure if they have all the records. I logged in today to the BBVA portal and all my messages are gone so I have no proof of this but doesn't the bank have to keep records of these things? Especially when they wrote it off for fraud or have an ongoing fraud investigation on that charge. I have no one left to reach out to as my messages are missing, and my dispute did not get resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Specifically with only Equifax, my birthdate is displayed as XX/XX/XXXX, when my birthday is in fact XX/XX/XXXX. 

I have used every single possible browser on XXXX and XXXX to try to file a dispute, and the web application defaults to not allowing me to file a dispute online, a complete negligence of web development and XXXX. 

I have also mailed in a physical dispute by mail on XX/XX/XXXX and so far I have received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights by reporting a billing error XXXX XXXX XXXX 15 USC 1666 ( b ) ( 2 ) 15 USC 1605

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 2022-04-21 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: JP RECOVERY SERVICES, INC.
State: MD

Complaint narrative:
In XX/XX/XXXX, " The XXXX XXXX XXXX XXXX '' sent me two bills for large amounts that I have to pay. Since I could not afford to pay the entire amount right away, and they have not offered a payment plan, I decided to pay down the bill at about {$100.00} per month. I kept getting the bills for five months and every time, it comes with something called a " myEasyMatchCode '' that I need to put in along with my account number, when paying online. I used these codes to pay. After 5 months, they stopped sending the bills. So I tried to go online and used the same codes they sent before. Apparently the codes they were sending expire and so for no fault of mine, I could not pay in XXXX and XX/XX/XXXX. In late XXXX or early XX/XX/XXXX, I received a call from them asking if I would like to pay down the bill. I said that since the amount is large, I have been paying it down monthly. I asked why I was not getting the bills lately, but she just said " Ok. '' and hung up. Later in the month, I received a collection notice. The collection notices does not have the correct account numbers. 

My complaint is, XXXX XXXX XXXX XXXX never gave me a fair chance to pay since XX/XX/XXXX. They stopped sending the bills on their own and sent it to a collection agency without giving me a clue of what's going on. When I called the billing department at XXXX XXXX, the billing rep says I am at default because " I have not been paying for three months. '' How is this fair? Is this how consumers who are responsibly and conscientiously paying their bills will be treated on par with people who evade their bills? I called and informed the billing rep at the XXXX XXXX that I am paying down the bill every month, and he does not seem to care. He just kept insisting that I have not paid for the last three months, without acknowledging the fact that they were the ones who stopped sending me the bills and even the codes they used to send initially were expiring soon. 

If honest people who are paying their bills are treated like this, how will we gain trust with these large organizations? Without doing their due diligence as in offering a payment plan, informing me why they have not sent the bills, or that they were going to send this to a collection agency, how can they do this without following a transparent protocol?

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: MN

Complaint narrative:
I contacted Diversified Adjustment to dispute the debt. On their notice is explicit writing that says call or write us to dispute the debt. Their customer service rep said I could only do this by visiting their website but it clearly states that I can do this by calling them directly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation