vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
While attempting to dispute an errant insurance billing issue, I was completely unable to contact TSI to advise them on the status of the debt. Using the phone number listed in their communication with us, I was put on hold for 3-5 minutes waiting for a representative. But was then told instead to leave a message. BUT was then told that their voicemail box is full. This is a debt collection agency ; their entire purpose is communication between parties. It is unethical for an entity to demand money, and then refuse to make themselves available to discuss. The debt is paid and Im requesting it to be deleted from all three credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 75 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes to verify incorrect information. Being it has been so long without a response I would like for the items to be removed from my credit report. These accounts are adversely affecting my credit report and costing me thousands of dollars in interest every month and it has been over 75 days so they should be deleted promptly. The accounts, credit reporting and items in question are inaccurate and incorrect and should not be on my credit report because they are not accurate and do not reflect the correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
My name is XXXX XXXX im change this name in XX/XX/2020 im send many time via mail to the address provide Best Buy Credit Card for update my new name. But for any reason that is not possible all the companies change and update my personal information but Best Buy no do that because all the time never receive the information im send. Today im speak with the costumer service and this person talk to me y the best advice i close the account. Impossible for me the las XX/XX/XXXX somebody use my old name ( XXXX XXXX ) and she opened new account this is fraud and identity thief so my credit report update the new name and close the old name but this company don't do that.

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 2021-09-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: REGIONS FINANCIAL CORPORATION
State: MN

Complaint narrative:
My wife and I had two electronic withdraws made on the XXXX XXXX and XX/XX/XXXX for our mortgage. We only authorized Regions Bank to withdraw only one payment. 

We called Saturday XXXX XXXX to alert them and Regions bank representative said it would be sent back into our bank account at XXXX XXXX XXXX for the amount of XXXX. They say it would take a few hours on Saturday. Monday they said they didn't send anything to us. Monday we spoke with customer service and the manager XXXX XXXX and he said the money would be to us by Wednesday the XXXX today by noon. The money never came. We talked to a Supervisor on the XXXX and said a wire transfer would be issued immediately and XXXX  bank would put a hold on it. We called XXXX and we talked to a manager named XXXX. 

We still have no money and our bank XXXX emailed us and said they do NOT hold wire transfers.

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 2021-09-22 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: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the account that is reporting on my Credit Reports : XXXX-Balance : {$8.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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: TX

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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: IL

Complaint narrative:
I am an Legal Alien from XXXX. I have never used the Social Security number for anything besides Identification verification. In XXXX I recently pulled my Consumer Reports and discovered Fraud! There are two XXXX XXXX  credit cards opened without my consent or knowledge! In no way did I benefit from these accounts or had knowledge of them being open. One account over {$1000.00} the other over {$3000.00}. The other Fraudulent and un authorize account is an auto loan with XXXX XXXX that was defaulted for over {$7400.00}. I have never did any business with this company! This account is fraudulent and un authorized! These items I did not open or benefit from. They will need to be deleted from my consumer report immediately! They do not reflect my credit worthiness. I have contacted the FTC and attached the report to this complaint!

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 2021-09-22 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: IL

Complaint narrative:
I am an Legal Alien from XXXX. I have never used the Social Security number for anything besides Identification verification. In XXXX I recently pulled my Consumer Reports and discovered Fraud! There are two XXXX XXXX credit cards opened without my consent or knowledge! In no way did I benefit from these accounts or had knowledge of them being open. One account over {$1000.00} the other over {$3000.00}. The other Fraudulent and un authorize account is an auto loan with XXXX XXXX that was defaulted for over {$7400.00}. I have never did any business with this company! This account is fraudulent and un authorized! These items I did not open or benefit from. They will need to be deleted from my consumer report immediately! They do not reflect my credit worthiness. I have contacted the FTC and attached the report to this complaint!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: IL

Complaint narrative:
My mortgage had an escrow analysis XX/XX/XXXX based off the incorrect tax amount. I was told about this change in XX/XX/XXXX. My payment went from {$950.00} to over {$1400.00}. I went to my Controller office and they said the exemption fell off. They corrected the error and once I received the Certificate of Error I gave it to Loan Care. Ive called twice a week to have the escrow analysis update. No one is willing to help me. Ive been told no one speaks to that department not even the customer service reps. I would like for someone to resolve this conflict with XXXX and/or Loancare. I paid the agree payment of {$950.00} every month even during the entire forbearance period. This ends on XX/XX/XXXX now they are saying I am in the hole for {$10000.00} and the options they are giving me is to refinance or 2nd mortgage. They are offering this based off a false number. My taxes didnt change and the escrow analysis department refuses to make the corrections. I need someone to effectively explain to me how and why this happened.

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 2021-09-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
I settled with Convergent Outsourcing for a phone bill. I did not recognize the debt but paid to have it deleted from my credit report. They list it as paid, but they have not deleted 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 explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUSTMARK CORPORATION
State: MS

Complaint narrative:
On XX/XX/XXXX I had two unauthorized transactions at out of state retail stores ( XXXX XXXX - XXXX XXXX ) and ( XXXX XXXX - Washington DC for both XX/XX/XXXX & XX/XX/XXXX ). I discovered and reported this information to my bank on XX/XX/XXXX and after investigation was declined the error dispute. The reason given was my possession of the card, despite sale occurrence out of state. These were unauthorized transactions for which I received no financial gain but a loss of {$4200.00}.

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 2021-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I deposited 3 checks totaling {$33000.00} at XXXX XXXX  on XXXX XX/XX/2021 at a Navy Federal branch location with a Member Service Reperentative. The bank teller informed me there would be a 2 business day hold on {$33000.00} of the deposited funds. The deposit receipt clearly indicates the same, and says " {$33000.00} will be held from your total deposit and will be made available for withdrawal after 2 business days (XX/XX/XXXX ) ''. 

I called Navy Federal on XXXX XXXX and asked them why my funds were still not available. They informed me they extended the hold time to 5 business days, and my funds would not be available until XXXX XX/XX/2021. 

This is contrary to their posted " Funds Availability Schedule '' which clearly states " If your check deposit is made with one of our MSRs and we decide at that time to delay your ability to withdraw funds, we will tell you then. If we decide to delay availability of your funds after you complete your deposit, we will mail you a deposit hold notice by the first Business Day after we decide to take that action. '' I deposited my checks with one of Navy Federal 's MSRs, and was told they were going to delay the funds by 2 business days, not 5. There is no provision in Navy Federal Credit Union 's Funds Availability Schedule that allows them to change the hold time for an additional 3 business days. Additionally, I have yet to be mailed a " deposit hold notice '' as their own policy clearly states.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Northwest Collectors Inc.
State: IL

Complaint narrative:
This company is trying to collect payment when the medical process was insured, and the company failed to submit paperwork for a claim

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
During hurricane Ida, my car was flooded while parked on the streeXXXX. XXXX has been my insurance company and the claim was reported to them immediately. After inspecting the car, it was deemed a total loss. I received a notice of settlement from them. XXXX then towed away the vehicle and it it was subsequently sent to salvage. 

The vehicle was refinanced from Capital One Auto finance back in XXXX of 2021. During all this time, they DID NOT acquire the title from XXXX even after paying off the previous loan. I called XXXX who told me that they sent out a title on XX/XX/2021 to an address in XXXX XXXX XXXX Capital one says this was an incorrect address and they never received the title but certainly did not pursue this at the time. Now that the vehicle has been totaled, they are telling me to continue paying on a loan for a vehicle I do not even have. If this was a matter of days or a couple of weeks, I would not have an issue but in the State of NY it will take 45-60 days to perfect the title. Had Capital One gotten the title in XXXX, XXXX would have received it weeks ago and the loan would have been paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
Over 20 years ago, a brokerage account was opened with XXXX and securities were purchased. The account has been active, but no trades have occurred over the years. Statements were mailed out each month and in XXXX we realized that trades were made and funds were depleted from the account and transferred out. These transactions occurred in the XXXX timeframe. XXXX was contacted and an investigation was opened, but they claim that funds were transferred to an account at RobinHood ( another financial institution ) in my name. I do not have an account with RobinHood and didn't make any transactions in my XXXX account. I have been very cooperative with XXXX and they just keep telling me that they do not suspect fraud on the account as RobinHood is telling them that funds were transferred to an account in my name. Over all the phone conversations, XXXX doesn't document anything in writing to me. At one point they said " Oh, they knew the right amount to transfer as this falls below the threshold of where this gets flagged. '' I don't even have online access to the account and have never logged into my account and made any transactions. I would like the funds replenished in my XXXX account as they have Fraud protection and clearly state that they will honor any fraud activity. I didn't log into the account, didn't sell any securities and most certainly didn't transfer funds to RobinHood. I do not have an account with RobinHood. How can XXXX perform a thorough investigation and determine that there is no fraud when there clearly is fraud?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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: FL

Complaint narrative:
Ive reached out to Experian several tones regarding an account with gettington acct # XXXX I was never late in this account. However, Experian is reporting several late payments XXXX and XXXX of XXXX, XX/XX/XXXX and XX/XX/XXXX. I informed Experian they lied and said info was updated. Nothing was change in payment history. I called and they said they spoke to someone with XXXX.however, company out of business

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 2021-09-22 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On XXXX I sent a letter regarding inaccurate late payments on my credit report to this day over 75 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes to verify incorrect information. Being it has been so long without a response I would like for the items to be removed from my credit report. These accounts are adversely affecting my credit report and costing me thousands of dollars in interest every month and it has been over 75 days so they should be deleted promptly. The accounts, credit reporting and items in question are inaccurate and incorrect and should not be on my credit report because they are not accurate and do not reflect the correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Quality Asset Recovery LLC
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This process and request were taken care of by me and there is no third party involved. It's been a long time of processing and making follow-ups to the Credit Bureaus and the CREDITORS with regards to my request of getting the items in question to be removed from my Credit Reports . However, I have neither heard anything from both of them nor received any kind of response. Thus, concluding me to reach out to you to ask for some assistance and help. They haven't complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that they should provide any documents and respond to the complainant within the given period of time allowed by the law. Otherwise, failure to comply with these should result in the removal of the items in question. Below is the account I am not connected to. 
QUAL AST REC ( Original Creditor : XXXX XXXX XXXX XXXX  ) QARXXXXXXXX  Balance : {$1300.00}

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 2021-09-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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: TX

Complaint narrative:
I am reaching out to the CFPB regarding an account that EQUIFAX has allowed a company to place on my consumer report. 

The account has been placed by XXXX XXXX XXXX  under account # XXXX. 

I have spoken with EQUIFAX and written letters via certified registered mail affirming that this company is committing fraud against me. EQUIFAX continues to report this account on my credit report. 

I have suffered great loss due to this discrepancy. I have been unable to purchase a home, get a line of credit or go in the pursuit of my happiness. I have been denied multiple things because of this fraudulent account. This has caused insurmountable financial harm and undue stress to me. EQUIFAX is continuing to financially gain from a business relationship with XXXXXXXX XXXX XXXX at my expense by reporting fraudulent information about me. 

I requested validation from EQUIFAX and XXXX XXXX XXXX. Neither company has been able to present a valid contract with my original blue wet ink signature between myself and XXXX XXXX XXXX  I have never agreed to do business with this company. They have no documentation that they can provide to me that proves any contractual obligation to perform. I don't even have a contract between myself and EQUIFAX that gives them the authority to violate my right to privacy and report this information to companies all over the country. This is doing extreme amounts of damage to my life by inhibiting my pursuit of my own happiness. 

According to 15 USC 1692g, I am to receive multiple pieces of information that would inform me of said debt and would allow me the opportunity to dispute the validity. I never received this. I have requested it via telephone and did not receive it. I have written both companies on numerous occasions and have not gotten adequate response. 

EQUIFAX continues to commit fraud against me and obtains financial gain from a company that commits fraud against me.

They are violating 15 USC 1681 by inaccurately and unfairly reporting things against me, my credit worthiness, my personal information and my character. I have suffered damages because of this. I have been denied my own Credit, which I created, because this company is treating me unfairly by reporting this fraudulent information about me.

They are violating 15 USC 1681b. I, XXXX XXXX never gave EQUIFAX any written consent to report this on my consumer report, no consent is identity theft. I sent in multiple documents proving this was fraud and they continue to damage my consumer report and my life. 

This is my last attempt to resolve this before seeking assistant via the courts as I am a wronged consumer. I demand that this account deleted by EQUIFAX immediately.

Company response to consumer: Closed with explanation