vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/21 I received a notification in my email that I added a recipient for XXXX that I did not add. Then there was a transfer out of my account for {$250.00} to this person ( XXXX XXXX ) I called USAA immediately and said I did not complete or authorize this transaction, the representative found another unauthorized transaction approx. 7 days prior that I received no notice of. It was another XXXX  account ( XXXX XXXX ) again for {$250.00}. I told USAA that I DID NOT AUTHORIZE NOR WAS I AWARE OF THIS. I never sent these payments and I have no idea who these people are. I asked what I could do to secure my account and I was told " change my username and password ''. Then, a few hours later, my husbands ( same account ) information was used- it was not his email that was used- and he was fraudulently registered on XXXX and within 2 minutes, money was sent to XXXX XXXX ( we don't know who this is and my husband has NEVER used XXXX  ). In fact, he was sitting next to me on the couch when USAA said this transaction was made!!! We did NOT authorize this and we have no idea how our accounts could have been hacked. I contacted USAA again and we submitted another fraud claim however we were told yesterday XX/XX/21 that our EFCM claim was denied! How is this possible!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: FL

Complaint narrative:
I recently received a letter from XXXX XXXX  stating that I owe a debt in the amount of {$390.00} for account # XXXX. Prior to this letter I never received an invoice from them. That would be because I did not have service from them. They followed that up with a letter from a collection company called EOS CCA stating that I owe {$260.00} for EOS account # XXXX and XXXX XXXX account XXXX. I do not owe either of these companies any debt and they should cease making threats to illegally extort money from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 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: LendUp Loans LLC
State: MN

Complaint narrative:
Flurish INC is on my credit report and its not mine its my XXXX  and its affecting my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Over the last 1 year or so I XXXX XXXX XXXX have submitted over 6 attempts ( Which I have proof ) to get the bureaus to get this Illegal account off my credit report which has been illegally reporting on my credit report. The most recent request sent by certified mail have been on XX/XX/2021, XX/XX/2021 and XX/XX/2021. Each one of these request no response has been given. They have failed to provide me per the Fair Credit Reporting Act, Section 609l ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. I have reached out to 3rd party verifiers that bureaus do business with and none of them claim that this account is reporting with my correct info on it. The information they have on file is incorrect and for the past year they have blatant refused to remove the bankruptcy off my account or provide me documentation that they have the verifies that I am the correct account holder of this public record. This has now caused me to lose out on a business opportunity that would have helped out my family. 




Chapter XXXX Bankruptcy Reference # : 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 2021-09-27 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: NC

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XXXX  XXXX, XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the accounts that are still reporting on my account : DEPTEDXXXX-XXXX-Balance XXXX XXXX-Date Opened : XX/XX/XXXX DEPTEDXXXX-Balance XXXX XXXX-Date Opened : XX/XX/XXXX DEPTEDXXXXXXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX DEPTEDXXXXXXXX-XXXX-Balance XXXX XXXX-Date Opened : XX/XX/XXXX DEPTEDXXXXXXXX-Balance XXXX XXXX-Date Opened : XX/XX/XXXX DEPTEDXXXX-XXXX-Balance XXXX XXXX Opened : XX/XX/XXXX DEPTEDXXXX-XXXX-Balance XXXX XXXX Opened : XX/XX/XXXX DEPTEDXXXXXXXXBalance XXXX XXXX-Date Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: WA

Complaint narrative:
Back in 2018 I lived in the apartment called XXXX XXXX XXXX XXXX  under housing authority of XXXX on section XXXX voucher. This apartment failed to comply with HUD housing papers to get paid. Took to court of law that determined I'm not liable for the debts the apartment had to pay me back all deposits and was settled in court of law with attorney. I've submitted copies to each bureau and to to said collections IQ Data certified mail. Called to be told to XXXX off by IQ Data and have yet to get it fully removed from my credit on XXXX. Debt goes up and down to just mess with my credit score. Housing and XXXX have told me to do this step next. This was settled in court of law that I am not liable for this debt. And settled.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-27 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: PA

Complaint narrative:
My gym bag was stolen from XXXX XXXX. From result of that my personal information was been compromised. Since then I have contacted a lawyer to help me recovery and restore my identity. I noticed inaccuracies on my report that I have made a separate sheet below disclosing all data. PLEASE REMOVE ALL INQUIRIES AS THEY ARE RESULT OF IDENTITY THEFT.

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 2021-09-27 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: MI

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX XXXX in XXXX, MI reported to XXXX that I was deceased instead of my Mother, XXXX XXXX ; the former joint lendee who passed on XX/XX/XXXX. Due to the XX/XX/XXXX holiday, I notified XXXX XXXX XXXX on XX/XX/XXXX or XX/XX/XXXX and have provided her death certificate ( please see Exhibit A in the attachments ) multiple times from XX/XX/XXXX to most recently on XX/XX/XXXX. 

Now, Mr. XXXX XXXX, Acct Mgr in the Loan Dept says I need to provide a NOTARIZED copy of the previously submitted documentation. Please note this has been submitted previously several times to XXXX XXXX XXXX, the XXXX, the Consumer Finance Protection, XXXX, Equifax, XXXX, XXXX and the MI Attorney General 's Office.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX Did not Provide me with a HIPPA release that releases my medical information to them, They are violating the law and my rights. I requested this release form more than 30 days ago and they have yet to respond to my request but, continue to report this medical collection onto my credit device.

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 2021-09-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I purchased a plane ticket using Chase Rewards Points before the pandemic on XXXX XXXX for a total cost of {$2700.00} or XXXX points. As that flight was schedule to travel to XXXX in XX/XX/2020 where there was already widespread covid-19 infection, I took advantage of the airline 's travel waiver to change to a flight to XXXX XXXX for XX/XX/2020. The airline cancelled my flight and refused to refund me. While they issued me a credit, it's about to expire ( I have no need to travel at this time ), they are legally entitled to refund me my money, but they will not. Chase has done nothing to return my points or get XXXX to return the value of the ticket to me. ( They say they've called the airline, but this isn't helpful ) As the booking agent, they should be helpful in assisting me in returning the value of my ticket. ( They could even process a charge back for the stolen value of the ticket, but they refuse to do this ). 

I would like chase to return my points for the flight I purchased that was cancelled that I was unable to take.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: DE

Complaint narrative:
I thought you should know that when I attempt to make additional principal payments on my mortgage, Mr. Cooper is automatically applying a portion of the payment to interest and escrow even though I am up to date on my payments. this forces the mortgagee to have to call in repeatedly to have it corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 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: NC

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The XXXX 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 are the inquiries that are reporting on my Credit Reports : XXXXDate of inquiry XX/XX/2019 XXXXDate of inquiry XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
info on report is false can not be late on a 36 month lease 6 months after it is paid in full and the car was returned transunion has still not added my statement 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 2021-09-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: GA

Complaint narrative:
My Last complaint to this company XXXX did not report any findings regarding the debt they are trying to collect on. Under the law they have not provided any verifiable details stating that this debt in fact mine. Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your action, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company seeking {$1000.00} per violation for : 1. Defamation 2. Negligent Enablement of identity Fraud 3. Violations of the Fair Credit Reporting Act. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: CO

Complaint narrative:
I received two emails on XX/XX/2021 from what appears to be from XXXX XXXX The emails contained order confirmation for XXXX XXXX XXXX XXXX. I thought this was a scam for two reason : first, I do not shop at XXXX XXXX for car maintenance needs and second, the email address ended XXXX which I have no idea what company that is. The emails also contained payment information for the Citizens One Line of Credit ( which I never applied for ). I marked both these emails as scam. About two hours after those initial emails, I received an email from what appears to be from Citizens One ( Citizens Financial Group, Citizens Bank, N.A. ). I again marked this email as spam as I never initiated these purchases or applied for a Citizens One Line of XXXX. On XX/XX/2021, the two XXXX consoles from those XXXX orders were delivered to my address. I immediately tried contacting XXXX but there was no apparent number to call regarding XXXX XXXX XXXX Purchases. I tried calling the many different Citizens One numbers but none connected me with a real person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Plastiq Inc.
State: CO

Complaint narrative:
I have been attempting to close my account with Plastiq ( XXXX XXXX XXXX ) since XX/XX/XXXX. They refuse to close my account, which contains sensitive information like bank and credit card information. They also are spamming me with multiple emails every business day.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: VA

Complaint narrative:
On or about XX/XX/XXXX, Loan Number # XXXX serviced by Specialized Loan Servicing, LLC ( hereafter called SLS and corporately owned by XXXX XXXX XXXX XXXX Specialized Loan Servicing, LLC ) was paid in full by wire transfer. Forwarding address was provided at the time of payoff thru the Settlement Attorney. SLS claims to have sent a check to the former property and the forwarding address. 

An overpayment of in excess of {$650.00} was made and the refund ( as of this complaint ) has never been received. Many attempts have been made with SLS and without any follow up. Recent attempts include XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Other calls have been made and can be research if needed. 

The reply given today is that the refund is too old for SLS to provide a refund but that they would continue to research the matter. Supervisors have been requested but are never available and the Corporate Office has an endless phone transfer system. 

Lenders and Servicers are required under both Federal Law ( 12 US Code Cite 2605 and 1024.17 Escrow Accounts ) and in the Commonwealth of Virginia ( Chapter # 16,6.2-1618 ) to refund escrows and provide a timely accounting. 

Help is needed to secure the overpayment and returned to the borrow without further delay. Also, the original recorded Release or Satisfaction of Mortgage was never received ( although a copy was provided by email ).

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 2021-09-27 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: NV

Complaint narrative:
I have tried to call XXXX several times, been transferred and the line disconnects or I am placed on an endless hold. No resolution.

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 2021-09-27 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: NV

Complaint narrative:
I have tried to call XXXX several times, been transferred and the line disconnects or I am placed on an endless hold. No resolution.

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 2021-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Sunset Management, Inc
State: GA

Complaint narrative:
Sunset Finance, XXXX, GA is continually calling me and my sister 's number ( XXXX ) XXXX. I have retained a credit repayment firm, and they received notice, but they continual to call. I am XXXX and the calls to me and my sister are causing a mental health strain. 

Please intervene for me. I am a XXXX veteran with mental and medical issues I have power of attorney with XXXX XXXX XXXX firm.

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 2021-09-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: NY

Complaint narrative:
Assetcare LLC Did not Provide me with a HIPPA release that releases my medical information to them, They are violating the law and my rights. I requested this release form more than 30 days ago and they have yet to respond to my request but, continue to report this medical collection onto my credit device.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-27 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: NC

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below was an erroneous account reporting on my Credit Report : XXXX  XXXX-XXXX-Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 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:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous account reporting on my Credit Report and needs to delete immediately : XXXX-XXXX-Balance {$290.00}

Company response to consumer: Closed with explanation