vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
In XXXX I lost my job, and XXXX repossessed my car. I tried my best to have the car reinstated, but I was unsuccessful. This repossession on my credit report killed my scores tremendously and I was unsuccessful obtaining credit anywhere. In XXXX and XXXX, I started working hard to catch up on debt, and reestablish myself so that I may become credit worthy again. I reached out to XXXX multiple times to try to find out what happened to the car because I did not receive anything from them explaining to me what was going to/what happened to the car They not only denied me access of buying back the car, they also never gave me the chance to reinstate the car. 

In XXXX of XXXX, I pulled my credit report and saw that the car was still listed as open, and in repossession. And Every month it reported as being late. I disputed the account with XXXX and the credit bureaus and according to them the account is reporting correctly. But how is this so when the account is reporting different data to each furnisher? How is this so when the car was repossessed over three years ago? Was it sold, Shouldnt it be listed as a charge off? And if its a charge off, should it be listing late payments still? And why is the balance still the same, was the car not sold? 

I called XXXX again this past XXXX of XXXX, and a representative told me that the account has been charged off for years, well if this is so, why is my credit reports stating different? 

Every month the credit bureaus are allowing this company, XXXX to report inaccurate information. The open date is inaccurate, the close date is inaccurate, the status is inaccurate, the payment history is inaccurate the balance is incorrect, the date of last payment is incorrect and the date of last activity is inaccurate and each of these categories is reporting different data to each data furnisher month after month after month. 

This company is updating incorrect information every month, and although I have disputed these inaccuracies in writing with Transunion, XXXX and XXXX they still allow this company to destroy my credit by reporting unverified inaccurate information every month. 

This account is intentionally destroying my credit file. 

I am in the process of trying to establish a better life for my children and myself, but I can not because every month, this company XXXX XXXX XXXX destroy my credit worthiness by reporting inaccurate unverifiable information.

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 2021-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I XXXX XXXX am a victim of identity theft. by FCRA LAW you must remove these fraudulent accounts after 4 days of receiving this 05/02/2021.This agency failed to block in 4 days so now I have to get the cfpb involved because you have clearly broken the FCRA laws XXXX I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that i am seeking to block. so please don't try to use that stall tactic. I'm telling the CFPB right now in advance that you might try to pull that.

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

Complaint narrative:
A letter was sent to the credit reporting agencies regarding inaccuracies on my credit file. I sent a letter on XX/XX/2021. The CRA has not contacted me regarding my case which is a direct violation of my rights

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 2021-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have submitted multiple requests to have grossly inaccurate information removed from my credit report.

1. Equifax has not responded to two disputes that I submitted in XXXX of 2020. On their website the disputes still are showing unresolved. They have not given me any good reason for the gross delay.

2. They continue to say that they have validated information that is showing as inaccurate and will not provide me with the method of validation.

3. Equifax is harming me and causing me undue hardship.

4. There are multiple collection accounts that have not been validated and which also are showing multiple inaccuracies across all three bureaus.

5. XXXX and XXXX have failed to remove information that is totally inaccurate and shows different information with each company yet, each bureau states that it has validated this information. This is impossible given that each one has different information.

6. All three bureaus are reporting inaccurate personal information and wrong addresses.

7. All three bureaus are reporting these inaccurate, fake accounts from collection agencies who are practicing without a license or bond in the State of Texas. They are taking the word of predatory companies who do not follow the laws of the State of Texas and allowing these law breakers to ruin my name. I have pleased with all three bureaus to protect me from the predatory acts of the following unlicensed, un-bonded companies : *XXXX XXXX XXXX *XXXX XXXX  *XXXX XXXX XXXX  Please help me. The negative impact of this negligent treatment of my credit reporting is hurting my ability to function and preventing me from progressing. It is doing reckless harm to my financial reputation.

*Please note that on some of my pdf files I struggled with adjusting the lighting. Each document is able to be read in spite of the color variations on the file.

Included are also search results from the Texas Secretary of State showing that the above mentioned collectors are violating Texas law and bypassing the requirement to be bonded and licensed. They are reporting incorrect information with no proof, no signature or contract of mine and are reporting to the bureaus without the proper governance that is required in the State of Texas. This is abusive and they are preying on citizens who are already dealing with enough hardship during the pandemic.

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

Complaint narrative:
Reached out to the companies to try and get them to delete said debts off of my credit report as they were not authorized to report anything to my credit report by me. I did not sign any contracts with those companies nor have I owed them any debts. 


Commonwealth Financial- {$680.00} XX/XX/2021 This company has been reached in order to resolve this issue and the resolutions were unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
This debt of {$200.00} should haven't been sent to collections as XXXX Reps told me on Pre .recorded conversations on the phone that bill or debt was erased and terminated. 
I am in the XXXXXXXX XXXX affordable payment program. 

I have a current active account with XXXX XXXXXXXX XXXX with Internet and Cable and paying only {$58.00} a month not {$200.00}. 
I am respectfully XXXX XXXX, XXXX and a XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION
State: TN

Complaint narrative:
As of XX/XX/21 when BBVA shut down Simple Bank I have had XXXX visibility on my funds and can not access them online whatsoever. They have shut down their customer service line - despite what they claim on their XXXX page. They claim their lines are open for extended hours but when you call in you get a recording saying they're not available and to call back later. There has been no official statement and other users have shown that what they have claimed on XXXX is false. Automatic bill pays are not processing, our routing numbers have changed, there is no guarantee our direct deposits will process, our debit cards have started declining, the list goes on. People are unable to pay their bills and access their money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: UMPQUA HOLDINGS CORPORATION
State: OR

Complaint narrative:
i live in a home which my XXXX and i inherited from my parents via a living trust, years ago my parent took out a home equity loan which i have been paying through a checking account that my sister opened ( loan payment automatically deducted ) recently my sister passed away, the funds in the checking account will be reconciled between my brother in law and myself, however when i approached umqua bank of XXXX, Oregon to apply for a review to be named " successor in interest '' as allowed by the garn-st Germain act and CFPB amendments to RESPA and TILA the manager/loan officer told she could not talk to me without court order, when i attempted to provide her documentation about the federal laws mentioned previously she pushed the documentation back across her desk and refused to view them, when if she could call someone with more experience in the matter, she said she would not, i am concerned that the loan payments are not being paid due the checking be frozen upon my sisters death, i do not want my house to go into foreclosure, i have submitted complaints with umqua bank, XXXX and the XXXX. Thank you for your consideration, the events above happened 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 2021-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland Funding/Credit is reporting incorrect and unvalidated information on my consumer report. This debt is not mine and Midland can not provide any proof that I entered any legal contract with them to even attempt to collect a debt owed. I've received letters from Midland Funding that are in direct violation of the FDCPA 15 USC 1692b ( 2 ), 15 USC 1692f ( 8 ), and 15 USC 1692b ( 5 ). I have sent Midland a notarized Affidavit showing where they have breached my rights according to the FDCPA by providing incorrect information on my consumer reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-11 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: KEYCORP
State: IN

Complaint narrative:
I am unemployed in Indiana and receiving employment benefits by the state that are auto deposited into Key Bank. Key bank and the employment division had issued me a debit card where I was able to access my benefits each week on Mondays. I have been receiving these benefits for about three months in this manner. Today I went to the Key Bank ATM at XXXX XXXX XXXX in XXXX Indiana to withdrawal my benefits. The ATM machine had some kind of mechanical issue and during the transaction put a message on the screen that " this machine is being serviced at this time. You can use your ATM card at any participating Key Bank location ... '' and the machine tried to return my card. It made some strange noises from the card slot like it was trying to eject it but it never came out. 

I went inside to explain that the atm had some type of problem and did not return my card. I asked the teller to return my card to me so that I could withdrawal my funds from the account. He told me since it was a state employment card and not a key bank atm card that he could not return it. I asked him to then let me finish my benefits withdrawal and he would not do it. I asked him several times to give me my money and he told me to leave. 

I called corporate office at XXXX and spoke to XXXX XXXX part of the " white glove '' team for customer service. I explained the situation and that it was theft that the bank has refused to allow me to withdrawal my money from their bank. They told me they were going to investigate it and get back to me asap. 

I am unemployed and so is my wife. I have XXXX kids at home and we depend on that very small amount of money each week to feed our kids. At this time I do not know how or when I will receive my money or if I will ever. I called the bank manager again at the branch were this happened and he told us that he destroyed the card and that I would have to order another one. Because this card comes from the employment office and not directly from the Bank, it may take weeks for me to receive a new card just to be able to withdrawal my weekly benefits. 

I am outraged that a financial institution that has been entrusted with the money of the State of Indiana that is allocated to unemployed beneficiaries for those funds and they have chosen to withhold my benefits without cause or any due process. This equals theft of my money which is also governmental funds.

Key bank needs to be investigated and this privilege for Key bank to be able to manage these funds needs to be revoked since they can not be trusted to take care of the many thousands of citizens that are struggling due to Covid-19. This overt act of theft is criminal and needs to be prosecuted. 

I would like CFPB to investigate this to find out if other people are experiencing these activities and to get my benefits paid to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TN

Complaint narrative:
I C System has placed a collection on my credit profiles claiming that I owe {$230.00} to XXXX XXXX. I've NEVER had services with XXXX  before as I've used XXXX or other services under the XXXX XXXX XXXX. I'm not sure how they tied my name with this erroneous debt! I've contacted this company twice by mail ( in which I have the USPS tracking number as proof of delivery ) and three times by phone. They have yet to resolve this issue. They have yet to verify with my signature or any other means because they can't.

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 2021-05-11 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: IL

Complaint narrative:
On XX/XX/XXXX I filed a complaint with the Consumer financial protection bureau regarding incorrect reporting in my credit report. Transunion has not yet finished my Dispute with XXXXXXXX XXXX XXXXXXXX. However as of XX/XX/XXXX my credit score has decreased from XXXX to now XXXX in less than one month after my file dispute. Nothing in my credit report has changed and my payment history is currently exceptional with no missed payments or new hard inquiry. The only missed payments are the incorrect data from XXXX XXXX back in XXXX which is currently unchanged or corrected regarding my dispute with Transunion. How can my credit report decrease XXXX points when nothing has changed with my credit report? The other credit reporting agency 's credit score has not changed regarding my dispute with XXXXXXXX XXXX XXXX that is much higher than my recent decreased credit score with Transuion.The previous dispute information is below with attachments. 




I made Payments On the loan on XXXX and XX/XX/XXXX and XXXX XXXX reported it as late non payments which is false. XX/XX/XXXX XXXX XXXX Sold/Paid off the loan when I was current on my Monthly payments ( Exhibit A ). XXXX XXXX never informed me that the loan was sold/paid off but instead filed foreclosure on a home loan they no longer had possession of which is fraudulent. Im Disputing and requesting the Loan payments on my credit report from XXXX XXXX to be removed from the dates XX/XX/XXXX to XX/XX/XXXX from my credit report. XXXX XXXX dismissed the foreclosure case in XX/XX/XXXX when admitting an error regarding foreclosure and payment history. Then I was given a release of mortgage which was given to me regarding my home mortgage account with XXXX XXXX. When the Release of Mortgage should have been giving to me back in XXXX not XXXX. This false information by XXXX XXXX is adversely affecting my credit report.

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 2021-05-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I had previously requested Bank of America to opt out all of my accounts from sharing information with affiliates and from receiving marketing offers, however Bank of America continues to send me marketing materials.

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 2021-05-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Public record information inaccurate
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IN

Complaint narrative:
Carrington mortgage company purchased my mortgage loan from XXXXXXXX XXXX on XXXX of 2020. I filed a joint chapter XXXX bankruptcy in XXXX of XXXXwhich discharged the loan as part of the bankruptcy proceedings. After multiple attempts to call and resolve this issue with carrington mortgage company they have stated that the bankruptcy only applies to my ex wife and does not include me. I have spoken to the trustee who handled the bankruptcy and confirmed both parties, my ex wife and myself, are included in the bankruptcy. I am now being harassed with phone calls and emails from carrington and negative remarks on my credit report. Representatives from carrington have also stated they will continue to pursue legal action and continue to contact me if I am unwilling to make a payment. This falls under the Stay violations and the discharge violations, along with violating federal bankruptcy law and the FDCPA, violating federal law, namely section 524 of Title 11 of the United States Code. If this matter is not resolved on my credit report and with carrington I will be forced to contact an attorney and file harassment charges and seek compensation to pay attorney fees and compensation for their violation of the bankruptcy code.

Company response to consumer: Closed with explanation