vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-01 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: WI

Complaint narrative:
My initial dispute about the same account to Equifax was deemed account information was accurate. On XX/XX/21 I submitted a second dispute to Equifax credit bureau regarding the collection account on my credit report, XXXX XXXX XXXX totaling {$2000.00}. After receiving a debt validation letter from me, the collections company provided a letter to myself and all major credit bureaus advising the account should be deleted from my credit report. On XX/XX/21 the item was deleted, but my credit score dropped 16 points instead of increasing. There have been no other recent negative accounts placed on my credit report. Ive contacted Equifax via telephone, but have not been given a satisfactory explanation and my request to have the situation reviewed was denied. I was advised no change could be made. Id appreciate any assistance to obtain the reason my credit score dropped significantly AFTER having a negative account deleted off my report. It seems like there maybe some kind of calculation error, but again my request to Equifax to review the issue was denied. Thank you for any help you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc.
State: TX

Complaint narrative:
This collection agency is reporting on my account even though the original creditor was already paid. I have spoken to the collection company and they advised me that this account was already removed from their reporting and has requested the bureaus to no longer report this account on my file.

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 2021-10-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: WY

Complaint narrative:
This started in 2017. My father and I were doing just fine making the payments on yhe house and then my father was injured and ending up in the hospital and ended up passing away. I then started speaking with XXXX XXXX XXXX  in regards to assuming and modification of the mortgage on my fathers house. So I filled out the application they had sent me and and sent them all the documents at the time they requested. This process continued to go on every month almost with them until Citizens bought them out. I now have been doing the same exact process with them, filing the application, sending them documents and then them saying they don't have everything and sending them the same documents I had already sent. This has happened pretty much every month because they end up stating they didn't receive all the documents and they close my file out and require me to go through the whole process again. I ended up getting another company involved that I have paid to help me to see if I would get anywhere that way but they have continued to do the exact same thing. Its to the point where it is getting absolutely ridiculous. Half the time one department has no idea what the other department is doing or has or doesn't have. 

Also, at the beginning of this process in 2017, I had requested a payout to bring the mortgage current and contacted them to see if they would work with me on the amount. Well the gentlemen I spoke to told me I had to contact the attorney and they could do that. I contacted the attorney numerous times with no call back and then finally reached them and was told the mortgage company was who I needed to speak to. So I was passed back and forth numerous times. Then found out from XXXX XXXX with the VA that neither one has that authority only the VA can decide that. So they wasted almost 2 months of time on my file giving me wrong information.. 

So needless to say with both of these companies, XXXX XXXX XXXX  and now Citizens I have been giving the same exact treatment and put through the same stuff each and every month. When they were staying that they hadn't received documents we resorted to mailing them certified with return receipt requested and they were signed for and still they stated they had not received them.

So, I am asking that this mortgage be allowed to be assumed and modified by me and to quit being put through a bunch of unnecessary XXXX. Also, I would like a formal apology from Citizens.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: TX

Complaint narrative:
My personal cash app was frozen due to a XXXX  lien placed against my XXXX XXXX. Cash app froze my account leaving me in a very bad financial situation. They froze it without a court order or judgement against me and are refusing to unfreeze it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I have been disputing this account for some time now with PORTFOLIO RECOVERY. I sent an initial dispute letter asking for verification of this account because I am not familiar with this account. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. My letter was delivered on XX/XX/XXXX, and here is the tracking number XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. I am sure there is a law that proves it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 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:
XX/XX/2020 I stayed at an XXXX, that had a lot of safety issues. This property host failed to disclose that dogs were on the property. There was XXXX  XXXX everywhere I am highly allergic to dogs. According to XXXX policy, you can submit for a refund for a unsafe experience. It landed me in urgent care and I wound up paying over {$500.00} for medication because I was out of state. I submitted pictures, and proof/receipts and documents to XXXX first to resolve the issue and they ignored me. I then disputed it with my credit card company. Each time they issued me a credit of the amount, and then they would take the disputed amount back. This has been going on for almost 4-5 months of going back and fourth. I also provided them with proof of everything that they needed and they kept asking me for the same proof that I already provided. My credit card company then told me the only way that I could get a refund is if I provide them with a second opinion from a different company. I reached out to multiple companies for a second opinion and no one reached back out to me and my credit card company only gave me a certain amount of time to do this. I dont understand why my credit card company would not back me up with this especially if I took the proper measures of disputing. My dispute still has not been resolved, and right now my credit card is incurring fees because of this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 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: TX

Complaint narrative:
1. XX/XX/2021 - Collection appeared on Transunion credit report from XXXX XXXX XXXX XXXXXXXX ( Original creditor - XXXX  ). I have no affiliate with neither XXXX XXXX XXXX XXXXt nor XXXX. 

2. XX/XX/2021 - Contacted XXXX XXXX XXXX XXXX for evidence but was not provided any 3. XX/XX/2021 - Filed complaint against XXXX & XXXX XXXX with XXXX  4. XX/XX/2021 - File dispute with Transunion to remove erroneous information 5. XX/XX/2021 Transunion sent closed dispute stating that the information was verified and accurate XXXX. XX/XX/2021 A Desist and Refrain Order was placed against XXXX XXXX XXXX XXXX by The Commissioner of Financial Protection and Innovation I have no additional evidence as this account does not belong to me.

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 2021-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I noticed an account and a few hard inquiries on my credit report I do not recognize

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 2021-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I noticed an account and a few hard inquiries on my credit report I do not recognize

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 2021-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I noticed an account and a few hard inquiries on my credit report I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 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: Medical Data Systems, Inc.
State: GA

Complaint narrative:
I have been disputing Medical Data System from my credit report. It is a medical bill and it has been violating my rights under HIPPA. They do not have my signed HIPPA authorization form stating that I gave them permission to report this to 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 2021-10-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: MI

Complaint narrative:
Signed up with XXXX they looked on their map and said I would have service they sent sim cards for family of phones I inserted 1 sim card in my phone and had very limited service I called and canceled service they said it would be canceled I got a collection bill for {$260.00} dollars I called XXXX and they told me it was out of their hands the account was closed and they already sold the debt and I had to deal with the collection agency I should not have to pay for 15 mins of trying to get service on my phone

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 2021-10-01 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I did not authorized these creditors to pull my credit and I have no knowledge of these creditors. The hard inquires listed below are fradgelant. I have dispXXXX XXXX XXXX XXXXuted these hard inquires through Experian and the creditors and have been ignored. Both companies have not validated these inquires and I want them removed ASAP. 


1. Experian & XXXX  XXXX XXXX XX/XX/21 2. Experian & XXXX XXXX XXXX XXXX XX/XX/21 3. Experian & XXXX  XXXX XXXX XXXX XX/XX/21 4. Experian & XXXX XXXX XX/XX/21 XXXX. Experian & XXXX XXXX XXXX XXXX XX/XX/21 6.Experian & XXXX XXXX XXXX XX/XX/21 7 . Experian & XXXX XXXX XXXX XX/XX/21 8. Experian & XXXX XXXX XX/XX/21 9. Experian & XXXX XXXX XXXX XX/XX/21 10.Experian XXXX XXXX XX/XX/21

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 2021-10-01 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XXXX posted incorrectly to my account taking more money than they should have. They admitted such and were advised I would ask the bank not to pay and put a claim in since they put XXXX an XXXX  and fee charged status. The bank was asked to deposit the money into another account but refused. XXXX supervisor refused to do such or pass me to anyone else. Basically kiss off. Am I the customer? Is it not my money? And why are they protecting a billion dollar business that has admitted they billed in error while subjecting me to returned items and other possible charges and acct impacts. If you call this consumer protection how sad. Call itcwhatvitcis protecting big business.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I recently checked my credit report and noticed fraudulent inquiries on my credit report. I have already contacted the creditors below and they have not provided me with any proof that I initiated such inquiries, nor provided me with written authorization or any permissible purpose. Since they do not have my authorization, written nor verbal, I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I have identity theft problems, it turns out that they opened a credit card account with the CAPITAL ONE BANK company with my documents, I reported and sent them the identity theft document saying that someone opened a secured card and left it to pay with my information Now the bank reports late payments and tried to solve the problem and for the bank to delete that account since it is not mine, I was able to get the account number with the credit bureau and made several disputes but when the credit bureau did the investigation and they contact the bank claiming that it is mine but they do not send me proof since I had an identity theft and I let them know. 

CAPITAL ONE BANK : # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-01 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: GA

Complaint narrative:
I have been disputing XXXX XXXX XXXX from my credit report. It is a medical bill and it has been violating my rights under HIPPA. They do not have my signed HIPPA authorization form stating that I gave them permission to report this to 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 2021-10-01 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: GA

Complaint narrative:
I have been disputing XXXX XXXX XXXX from my credit report. It is a medical bill and it has been violating my rights under HIPPA. They do not have my signed HIPPA authorization form stating that I gave them permission to report this to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 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: TX

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 2021-10-01 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I noticed a few loans on my report I do not recognize

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 2021-10-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: TN

Complaint narrative:
I had a total of 3 medical collections account from XXXX XXXX XXXX removed. However, there is still one collections on there for the Physician. I do not understand how this is still there. If 3 were moved and deleted why am I charged for a Physician for one of those accounts that was incorrectly place on my credit report and been there for months hurting my score..I wasn't treated my a XXXX XXXX and didn't pay. I've always had medical insurance for the most part.. The collection was sold to Transworld XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC
State: NJ

Complaint narrative:
I have identity theft problems, it turns out that they opened a credit card account with the ACIMA OR ACIMA LEASING company with my documents, I reported and sent them the identity theft document saying that someone opened a secured card and left it to pay with my information Now the bank reports late payments and tried to solve the problem and for the bank to delete that account since it is not mine, I was able to get the account number with the credit bureau and made several disputes but when the credit bureau did the investigation and they contact the bank claiming that it is mine but they do not send me proof since I had an identity theft and I let them know. 


THE NOMBER IN MY CREDIT REPORT IS ACIMA CREDIT FKA XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 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: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
On XX/XX/XXXX I contacted The XXXX XXXX XXXX XXXX XXXX ( Comenity Capital Bank ) regarding late payments inaccurately shown on my report from XXXX & XXXX of XXXX. I spoke with a rep named XXXX to advise that based on The CARES Act the payments during Covid should not have been reported as late. I was assured that the information was being sent to the necessary department to have the information updated. I was also promised an email confirming the same. As of today, XX/XX/XXXX, I have not received any email with that information and the payments still incorrectly show as being late on my credit reports. I contacted the company again and was transferred twice to an automated system about requesting a security freeze or my credit report ( which is not what I am requesting ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
I recently signed up ( less than a month ago XX/XX/2021 ) for Bank of America.s XXXX credit card promising benefits upon purchase of an XXXX ticket. I was extremely disappointed not to get any of the benefits upon purchase. Such as an automatic upgrade. I called BoA and XXXX. They could not give me those benefits. XXXX said I must wait until I get my card even though the advertisement was for immediate benefits. 

Despite these issues I kept the card, and a few weeks later, I went to pay my Bank of America bill. Upon viewing my account, I found BoA had already charged me an Annual fee of around XXXX dollars. I found this quite inappropriate, because I havent had the account even a month or even received the card in the mail. It seems unethical and unfair to charge an annual fee in the first billing cycle, especially because BoA had never declared this in writing. In addition the annual fee name is deliberately misleading to customers, who would assume, like other credit cards, the fee would be charged approximately 1 year past opening the account. I called BoA and they said there was nothing they could do. I find these practices misleading and unethical.

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