vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-05 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: TX

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
I have tried writing Commonwealth Financial several times to Validate this medical bill but no response at all. I know for a fact once a collection agency paid off debt to original creditors their is no debt owed. Please send me a contract where I signed to Commonwealth Financial I have asked for your company to validate this contract nothing hasn't happened.Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for XXXX XXXX XXXX XXXX  to have my health records to be release to a third party I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows ; Validation of Debt and HIPPA Authorization - Please provide a breakdown of fees including any collection costs and medical charges - Provide a copy of my signature with the provider of service to release my medical information to you. 
Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe Commonwealth. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt to Commonwealth. 
At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to be reported on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following. 
*Violation of the Fair Debt Collection Practices Act *Defamation of Character I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. My last letter was sent XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 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: TN

Complaint narrative:
I have sent letters to Transunion, XXXX and XXXX stating that the items on the letter enclosed aren't mine and they are a product of Identity Theft I have sent them a police report as well. They aren't sending me any response letters and when I call they tell me they never received the letters nor the report so I have decided to file a complaint with CFPB and FTC because they are totally compromising my 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 2021-11-05 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX, XXXX {$4700.00}, XXXX XXXX  XXXX, XXXX {$1300.00}, XXXX XXXX XXXX, XXXX {$10000.00}, XXXX XXXX XXXX, XXXX {$57000.00}, XXXX XXXX XXXXXXXX, XXXX {$310.00}, XXXX XXXX XXXX XXXXXXXX, XXXX {$6800.00}, XXXXXXXX XXXX XXXXXXXX, XXXX {$6800.00}. I have contacted each creditor listed in this comment about these accounts. I have filed an ftc report and they still have refuse to remove these accounts.

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 2021-11-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
My name is XXXX XXXX XXXX. On XXXX I paid a parking ticket to park my car at the XXXX XXXX  in the amount {$37.00} with my credit card. This company is under this name : XXXX and the way described when you purchase online they send an email with a code so we can go and park the car. I paid and wait a few minutes for the email confirmation but never came, this company never sent and took my money and I couldn't park XXXX car at the place they set me. I arrived at the Valet Services XXXX XXXX XXXX and they told me without the code I could not park my car. The manager told me I have to pay or call the company and I did but no answer, left me with a new charge because I have to catch my flight that night and I paid a new parking in the amount way greater because wasn't done online to get discount, I with my XXXX XXXX debit card {$72.00} for the 5 days starting at XX/XX/21 at XXXX XXXX  ticket # XXXX plate XXXX ending in XX/XX/XXXX? XXXX at XXXX XXXX. So I complaint to my credit card they credit me and told me would investigate and if they need will ask me for documents to support. The company responded capital one saying " merchandise was received and in perfect condition '' no support documentations and capital one charged back given this fraudulent parking company the right to charge me and not give me the spot to park my car. Capital One sent me an email saying I have to proof and considered my case closed. I want to dispute and provide any receipts that I had to pay for a new parking and I never used that one for {$37.00} because I didn't have no confirmation sent to me on a email.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-05 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JMD,LLC
State: CA

Complaint narrative:
High Desert Creditors is listing that I owe XXXX from a medical debt that I have from taking my daughter to the doctor when we had medical insurance. When I call to verify the amount they say I owe {$2500.00} in which does not report on my credit. When I called today I was told that it is legal for them to charge 10 % interest on top of my debt and the interest gets charged by the year. 

I had medical insurance when this debt was created in which Ive already proved. The company will not remove this from my credit and keeps increasing the amount I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The credit reporting agency Experian has incorrectly reported an account from XXXX as a charged-off status. I have never authorized goods and services from this company, and it still shows up on my credit report. After disputing this charge several times, Experian refuses to verify the validity of this charge from the company against the FCcoRA law. This has resulted in decreasing my credit by scoring 150 points for no reason. 

The two other reporting agencies have made corrections due to the XXXX not verifying. Experian needs to follow suit. 

This is report # 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 2021-11-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: NC

Complaint narrative:
My name is XXXX XXXX, Attorney. My Law Firm is handling the short sale on the property XXXX XXXX XXXX XXXX with the loan servicer, The Money Source and have submitted all of the necessary paperwork as well as an Authorization on XX/XX/XXXX. 

We began what is usually a 60-90 day process on XX/XX/XXXX. We had to work through several workouts with judgment creditors, and we had value issues. However, we finally resolved all of these issues and met all requirements of the VA and The Money Source regarding the short sale on XX/XX/XXXX. The Money Source should have issued a Short Sale Approval immediately thereafter. 

However, on XX/XX/XXXX we were informed that before issuing a Short Sale Approval, The Money Source would need a " Potential Successor in Interest '' form. We explained that that was not needed in this case because XXXX XXXX XXXX ( the Husband ) is the sole owner of the property as his wife, XXXX XXXX XXXX, died on XX/XX/XXXX. Title to the property was held as Husband and Wife ( also known as Tenants by the Entirety ). Therefore, on XX/XX/XXXX, XXXX XXXX XXXX immediately became the sole owner of the property and there is no Successor in Interest and no need for such a form. We indicated that we would certainly review the document and have Mr. XXXX sign it, if it was appropriate. We have never received the document. Mr. XXXX has never received the document. Mr. XXXX 's daughter and POA, XXXX XXXX XXXX XXXX, has not received the document. 

The complete short sale package submitted on XX/XX/XXXX included the death certificate of XXXX XXXX XXXX. 

For the past 6 weeks, the parties to the transaction have been held up by The Money Source over an issue that does not exist. They have never sent the Possessor in Interest Form that they said they could only mail to the husband. They are now wanting instead to change the owner of the property to the Estate of XXXX XXXX XXXX. As explained above, that is incorrect and inappropriate. 

After many phone calls over the past 6 weeks, we are about to lose the transaction because The Money Source does not understand the basic issue of Tennants by the Entireties and is requiring something that is not just unnecessary but incorrect by the laws and statutes of North Carolina.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Charged back amount of {$80.00}, I disputed transaction and was unable to obtain a credit. We went to an establishment, and none of the machines or food services were available, but because we walked in, we were unable to get our money back. This was all told to XXXX  but they closed the dispute and didnt return funds back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-05 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: OH

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
My identity was stolen the debt is not mineThe creditor using threaten tactics to recover money that is not mine Im being harassed at work and at home after XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: TX

Complaint narrative:
My company has over {$10.00} XXXX on deposit with PNC Bank spread over approximately 30 accounts. We have not been able to get online access to bank account activity or generate bank statements since XX/XX/XXXX. PNC Bank representatives have often not responded to phone calls or emails or have been very slow to respond. The responses received to any questions are usually " I don't know '' or " We are working on it ''. This matter has now been unresolved for 4 weeks and we need to have access to account activity to maintain normal business operations. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 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: VA

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 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: FL

Complaint narrative:
Credit score went down significantly although nothing changed on my report. I called Experian and spoke with representative XXXX and asked for an explanation as to why the company took such a large number of points from my score and continue to take points. His response to me was that the company can not give me an explanation. 
My email address is XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 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: FL

Complaint narrative:
Debt collection is fraudulent and needs to remove from my consumer credit report from all three agencies XXXX, EXPERIAN and 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 2021-11-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CARD Corporation
State: AR

Complaint narrative:
On XXXX XXXX I did attempt to do 2 transaction through XXXX XXXX in the amount of XXXX ref # XXXX and ref # XXXX for XXXX ref XXXX for XXXX and XXXX as well as XXXX. I am filing a another complaint on Card.com due to these transactions being canceled and never credited back to my account. XXXX stated that all these transactions indeed canceled immediately therefore no money was ever processed and removed from my account. Card.com processes and sent funds somewhere. So I would like to request that both parties Card.com and XXXX XXXX provide complete documentation of the transactions that was provide proof of the successful trans action that XXXX XXXX canceled and stated that did cancel out and money never was received. XXXX XXXX should provide a complete documentation of the proof that each transaction did canceled out and never processed. I being going back and forth with these two companies and nothing has been accomplished. Each company states to me something different from what they say to each other but it is my money that was taken and no one seems to care that that is wrong. How can these companies be allowed to such and cause so much stress and the reps have no care in the world bout it. I submitted the proof of canceled transactions XXXX sent t o advise me that the transaction did not go through. And that was not enough but Card.com could see that Money for each transaction was successfully removed from my account but XXXX XXXX stated no money was ever received. To settle that we should be able to view some type of documentation of the canceled process and sent successfully process. This stress is really getting the best of me. PLease advise me on what steps I can take to get my money that was unrightfully taken from me. Card.com gave a credit and then reverse it it taken XXXX and XXXX and my deposit in the amount of XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
Someone did a mobile deposit of XXXX on XX/XX/XXXX into my and my sons joint checking account. My son called bank to inform them this was not right. The check got returned due to being drawn on a fictitious account. In the meantime we got charged XXXX fee for depositing a bad check that neither one of us did. Now his account is frozen. They will not give me the # of the mobile phone that did this nor the IP address it was done from, They will not refund the XXXX. 

The check was made payable to my son from some lady in XXXX NM, Check was not endorsed by my son, check was signed with a different name than whats on the account. I tried to contact this lady, but did not have any success with her home or work numbers I located online. I feel this is wrong to charge my account a fee for a scam check that was not deposited by myself, my son or anyone we know. They will not give me the information of where this deposit initiated from. How unfair for an honest person to be treated like a scammer and a liar. If you should need copy of this scam check or any other information please reach out to me. I have contacted local branch, they said they would get back to me and never did. I then called the XXXX # and still could not get any answers.

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 2021-11-05 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: GA

Complaint narrative:
I have disputed the following items on many different occasions and I still have not gotten a response yet. It has been more than 60 days since my dispute and nothing. So I am asking you for your assistance in getting the following items removed from my credit file. 

Incorrect Names : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX ) Incorrect Names : XXXX XXXX XXXX ( XXXX ) Incorrect Names : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX ( Equifax ) Incorrect Address : XXXX XXXX, XXXX XXXX ( XXXX ) Incorrect Address : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX ) Incorrect Address : XXXXXXXX XXXX XXXX and XXXX XXXX ( Equifax ) the following late status is incorrect : XXXX - I was never 30 days late in XX/XX/XXXX XXXX. XXXX Loans - I was never 90, 120, or 180 days late from XX/XX/XXXX- XX/XX/XXXX or XX/XX/XXXX- XX/XX/XXXX XXXX. XXXX Loans- I was never 90, 120, or 180 days late from XX/XX/XXXX - XX/XX/XXXX or XX/XX/XXXX - XX/XX/XXXX XXXX XXXX - I was never 30 days late in XX/XX/XXXX XXXX- I was never 30 days late in XX/XX/XXXX XXXX  - I was never 30 days late in XXXX - XX/XX/XXXX ; XX/XX/XXXX The following items do not belong to me ( Fraud Account ) - XXXX  XXXX ( XXXX And XXXX ) - Bal : {$1600.00}

Company response to consumer: Closed with explanation