vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-13 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: FL

Complaint narrative:
Dear XXXX/TransUnion/ XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 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. Enclosed are the following A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
See Attachment accounts : I appreciate your prompt attention to this matter, and await your reply.

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 2020-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: John C. Heath, Attorney at Law, PLLC
State: WI

Complaint narrative:
A massive number ( 2 to 5 per day ) of robocalls from a number of places claiming to do home mortgages or rent-to-own ( one fake business calls themselves " XXXX XXXX XXXX XXXX '' ) and then reads a script and tries to hotswap to Lexington Law for credit repair claiming that my credit score is preventing me from owning a home. 

I've reported it to Do Not Call but this has been going on for months and it's getting worse. It's really really annoying.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Penn Credit Corporation
State: OH

Complaint narrative:
Again, this company did not provide information supporting this debt, I requested Assignment of Debt, Method of verification and Agreement with company for service. The steps involved in the verification process as I have the right to know the names, phones, address if the parties involved per the Fair Credit Act and they did not provide this information with the 5 days of requiring this account if valid. 

Please provide certified mail with receipt stating that I received this information as they stated they need to " GET VERIFCATION '' They should have this information before they even placed this on my credit report. 

Account : PENN CREDIT CORPORATION # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: IA

Complaint narrative:
I'm a victim of the XX/XX/XXXX derecho storm in Iowa. my House got severely Damage. I got the roof repair as soon as I could and got bill for it XX/XX/XXXX ( shingles got repair/change ). 
my insurance company send me check for what their estimated of the damage it is, the check is on my name and the NewRez LLC mortgage company. NewRez now in possession of the money refuse to give me my money back even after I send the bill. they are requesting more documents even after I offer pictures proving the job its being done. now the company send me a pass due bill ( my credit can get ruin/ I could face legal issues ). 
NewRez refuse to liberate my money or pay the company, they keep asking for documents. they cause my XXXX and XXXX issues sore ( I'm XXXX percent XXXX XXXX ) to the point I can't work. Who is going to pay for the days are not working because what the Bank its doing?. I being force to request credits and use my credit card ( who is going to pay for the cost of this ) all because they want to profit with the money the insurance give me? 
I feel they are taking advantage of a VA loan, and I feel they make the process unbearable to use the founds. all they need its to send a inspector or having me sign an affidavit. I'm vulnerable and they are taking advantage of my tragedies.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: VA

Complaint narrative:
To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX XXXX, this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
My Mortgage for my home was sold to SunTrust who is now servicing my loan. I was mailed instructions for paying the loan which included that I would need to set up an online account. XX/XX/2020 at XXXX I went to Suntrusts website to attempt to do this. I was given an error message saying that my account did not exist. 
I called the phone number provided and spoke with someone who put me on hold, after several minutes the call disconnected. Prior to the call disconnecting, I was told that sometimes that happens with loans in regards to me not being able to set up an online account. 
I then called again and spoke with XXXX. It was now XXXX. XXXX told me sometimes we have technical issues and the phones disconnect. I asked for an address/ email address to mail my complaint to XXXX told me she would not give me that information. Eventually this call also disconnected during a time she told me she put me on hold. 
I called back again and this time XXXX answered at XXXX. I was in the middle of explaining my issue and that phone call also disconnected while I was still explaining my issue. 
I am really at a loss for how I should proceed with paying my mortgage. I am also highly uncomfortable with the level of customer service that I am receiving from SunTrust.

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 2020-11-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
Kohls customer service agents are making illegal changes from my account. I initiated a web chat with Kohls charge card customer service on XX/XX/2020 to add my sister as an authorized user on my account. That was my only intention. The woman from their customer service web chat, " XXXX XXXX '', asked for my email to pull up my account after already validating other information when I initiated the chat. My email on my account has always been the same, and I gave her that correct email. She said she could not find my account with that email address ( even though I was literally looking AT MY account summary screen as we were chatting and I am very aware after having this account for so long that she must have entered it incorrectly, and/or I should have been able to figure out why it didn't come up for her because that is also a serious problem, imho, for the email to not pull up ). She then illegally CHANGED my email to a different email that is NOT my email and that I have NEVER had access to. I do NOT have a gmail. I only found out because I got an email ( to my correct email ) saying that this WRONG email change was made on my account - without my authorization or knowledge! I do not know if the person on the other end of that OTHER email address ( the one she changed it to ) will illegally access my account without my knowledge. I found out by receiving an email stating that there was a change made to my email and even my rewards account was changed - such a violation! She also disconnected the web chat to try to prevent herself from getting a bad survey or being held accountable for making illegal and incorrect changes on my account on my behalf. The next customer service associate ( when I CALLED ), said he was able to correct my email back to the email I have ALWAYS used ( so my email should NEVER have been changed - in what, 7-10 years (? - I know I have had this account for a long time ) of having this charge account I have never felt more upset. Someone literally saw me insist on having provided the correct info only for this person to literally change it to a different email than the one I provided out of - spite? I don't know. But I do know it is illegal. I believe the incident number is XXXX, but she had also provided me with what I presume is also an incorrect incident number because she knew what she did was wrong. So that is probably at the very least a violation of policy, I would hope.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-13 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: FL

Complaint narrative:
Dear XXXX/XXXX/ Equifax Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 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. Enclosed are the following A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
See Attachment accounts : I appreciate your prompt attention to this matter, and await your reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 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: FL

Complaint narrative:
Dear Experian/XXXX/ XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 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. Enclosed are the following A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
See Attachment accounts : I appreciate your prompt attention to this matter, and await your reply.

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 2020-11-13 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: NY

Complaint narrative:
On date XX/XX/2020, I noticed that XXXX XXXX XXXX is still reporting on my credit report. This credit is over ( 7 ) years old. Due to the statute of limitations on debt in the state of NY in which I reside in this account must be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: M&T BANK CORPORATION
State: CO

Complaint narrative:
On XX/XX/20, I noticed fraud on my debit card. Two XXXX of {$1000.00}, {$1000.00} and two XXXX XXXX charges of {$1000.00} and {$2000.00}, and two deposited checks. I filed a police report and an identify theft report with the FTC. Both of those were sent to the bank. We called on XX/XX/20 to report the fraudulent activity and submitted a fraud dispute on XX/XX/20 in person at the local XXXX  branch in XXXX, PA. My bank, M & T has issued refunds to my account for the two deposits ( {$20.00} reissued for each fraud check deposited ) and two XXXX transactions of {$1000.00} and another {$1000.00} dollars. However, this was first done to my mom 's joint account not the account in question. We were never notified by the bank. We had to contact the local bank branch manager in XXXX, PA last week on XX/XX/20 and tell them the money was issued to the wrong account and then they move it to the correct one. However, we never received any statement saying this. Then, we waited 12 days until we heard again from a fraud worker with the bank. The fraud worker was focused on deposits. He kept saying I must have deposited the checks based on my phone number. I absolutely did not do this. He had no information for me about the XXXX XXXX  fraud. We are currently disputing the XXXX XXXX  charges on the account for reimbursement and they had no information for us about those charges. Also nothing has been sent to us in writing. Again, it has been over the 10 day requirement. 

Here are the overaching concerns : 1. We notified the bank of fraud activity when the XXXX XXXX charges were pending on XX/XX/20. We asked the bank to STOP pay on these since we did not authorize them. They did not. They let these charges go through. 
2. M & T charged us insufficient fund fees based on these charges that made the account negative during the ongoing investigation. During this entire investigation, they kept trying to charge us insufficient fund fees even though federal law states this is illegal.

3. M & T has not provided us with any written communication about their investigation. We have been kept in the dark. 

We do not feel safe as consumers and members of this bank. They are not following federal laws that protect consumers and they are not following required guidelines for fraud investigation. We ask that the CFPB holds M & T bank accountable for not following the required timeline for handling this fraud case and not keeping consumers safe when they report fraud. Again, we reported the XXXX XXXX  fraud before the transactions when through and they did not stop this fraudulent activity from occurring.

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 2020-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc.
State: VA

Complaint narrative:
To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
Credence, is reporting a debt that they say is owed to XXXX. I have never purchased XXXX. XXXX XXXX XXXX XXXX was reporting this debt and removed due to the inaccuracies. Credence has not communicated with me! Credence did not give me my 30 day right to dispute prior to adding this collection to my account.

Company response to consumer: Closed with non-monetary relief