vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-01 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: VW Credit
State: MA

Complaint narrative:
I purchased a new car from XXXX XXXX Audi of XXXX, NJ in XXXX XXXX. Approximately one month after the purchase I discovered an issue. When purchasing the vehicle XXXX XXXX/Audi input the incorrect contact information on my account. The social security number, DOB, etc. on the account does not match mine. For this reason I am unable to access any online services for this loan, including my account number, online payment, and most importantly auto-pay. My only way to pay VW/Audi was to pay over the phone when they called me. They didn't call in XXXX, I can only assume this was due to COVID. I contacted VW/Audi on multiple occasions but they were never able to fix the issue. 

In XXXX of XXXX I realized that VW/Audi Financial were reporting a late payment on my account from XX/XX/XXXX. At that time I attempted to reach-out to VW/Audi Financial via phone at least 5 times to address the reported late payment. I was told by the front line customer service reps that there was nothing they could do to resolve the reported late payment, despite the incorrect information on my account, and that a manager would call me back. The managers called at times when I was unavailable, so I returned their calls leaving voicemails each time. I never received additional follow-up from them. 

In addition to calls directly to VW/Audi Finance, I've sent them a letter outlining the situation and asking them to change their credit bureau reporting. I've also reported the error through the credit bureau dispute processes. Unfortunately, none of these efforts have led to resolution of this issue. 

VW/Audi Finance 's inaccurate reporting is significantly negatively impacting my life. Tonight I attempted to finance a new cell phone ( only a {$1000.00} purchase ) and was denied by two different banks. If this one late payment were removed from my account XXXX XXXX estimates my credit score increases from XXXX to the XXXX range. This late payment seems to be the only reason for denial of my credit applications. 

Thanks in advance for your help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
TRANSWORLD SYSTEMS INC is reporting a debt that is not owed. Attached is a copy of a statement from XXXX notifying me of cancellation on XX/XX/XXXX, it also shows the original date of delinquency is XX/XX/XXXX and not XX/XX/XXXX. Also is a copy of the contract between myself and XXXX. It is not signed by me or other parties. No documentation with my signature is even on file. Also in the contract agreement there is nothing stating that if this policy was cancelled for any reason funds we be due to XXXX or any other party. This debt is not valid. I have more proof that I do not owe this. I would rather avoid taking TSI to court. XXXX has given you paperwork for a debt that is not owed. XXXX is under investigation by the Georgia Insurance commission for improperly reporting a debt and violating my rights. Any further reporting by TSI I will have to file legal proceedings against them as well. I don't owe this debt. XXXX made a error on this account that was sent to be fixed in XX/XX/XXXX. They never fixed it and a computer error was made on their part. This is not owed and was never delinquent in XX/XX/XXXX. Either report the true date of delinquency or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
The original account was with XXXX XXXX XXXX  and they sold it to LVNV Funding, LLC c/o Resurgent Capital Services, XXXX. XXXX XXXX, XXXX, NC XXXX ( XXXX ) XXXX. In the process of collecting the outstanding balance, they violated several of Fair Credit Reporting Act ( FCRA ) rules. I will enclose a copy of my credit report and the letter I had forward to all three credit bureaus ( XXXX, XXXX, and XXXX  ) proving the errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 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 — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have several hard inquires from companies Ive never applied for nor even know of. I reached out the credit burea as well the grantor to investigate and they continue refusing to remove these inquires and even show proof of this.

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 2021-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/2020 I received a letter dated XXXX XXXX 2020, stating that my account would be closed. After careful review from the Fraud Department it has been determined that nothing ill was found and any remaining balance would be refunded in the form of a check mailed to current billing address. 

Account summary shows that a closing debit of {$3900.00} on XX/XX/ 2020. And account has been fully closed. But I have yet to recieve my balance check. And after many calls to the company I've been meet with nothing but resistance.

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 2021-02-01 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have several hard inquires from companies Ive never applied for nor even know of. I reached out the credit burea as well the grantor to investigate and they continue refusing to remove these inquires and even show proof of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 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: FL

Complaint narrative:
Transunion had an issue with their reporting system. They had deleted inquires from my credit report then they reinserted them. I was never notified that any of this took place. Not until I pulled my report again. I want the following inquires removed from my report I am a victim of their credit inquiry issue. I spoke to a representative who refused to remove the inquiries. The following need to be deleted from my credit report. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 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 — Was not notified of investigation status or results
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
THIS ACCOUNT WAS OPENED FRAUDULENTLY AND I REQUEST IT TO BE REMOVE AND DELETE FROM MY CREDIT REPORT. 
I AM A VICTIM OF IDENTITY THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: DC

Complaint narrative:
On XX/XX/XXXX, I reviewed my credit and noticed Hunter Warfield was reporting as an outstanding collection account. The same day I mailed a debt validation notice requesting the method or verification. I received no response. On XX/XX/XXXX, I sent a certified mailed letter with a second request for a method of verification. I also requested an original contract with original signatures and if the documents were unable to provide the requested documentation, I requested for the item to be removed from my credit report. As of today, XX/XX/XXXX, I have not received any of the requested information and the debt is still reporting negatively on my credit. Secondly, Hunter Warfield currently does not have a valid business license in the District of Columbia. The District of Columbia requires each entity conducting business in the District to have a General Business License from the D.C. Department of Regulatory Affairs.

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 2021-02-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: IL

Complaint narrative:
I am owed an escrow refund check from XX/XX/2020 for {$2900.00}. I call once every 3-4 weeks and I'm told the check will be in the mail, but I am still waiting on my money. I simply want the money I am rightfully owed and that this company is willingly refusing to send out. 

( NOTE : this does NOT involve the Escrow refund for {$6000.00} dated XX/XX/2020, as that check was already received and deposited )

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 2021-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Google Compare Credit Cards Inc.
State: WI

Complaint narrative:
Signed up for XXXX Payments and activated REI promotion which provided 20 % cashback. Made one purchase for {$100.00} on card associated with promotion. Purchased tracked, but at {$0.00}, and has never updated over a month later. Dozens of attempts to work with XXXX customer service have lead to a runaround and repeatedly asking for the same information or documents that have already been provided in the same email chain. Clearly unethical and fraudulent business practices, baiting and switching on an offer, then hoping I go away after running me around. Consumers rights are being violated by this quasi-monopoly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
For the past 12 months PHH has held up my mortgage loan modification. They make my husband and I jump through hoops to get our modification approved, including having us notarize the same document nearly 10 times with no proper guidance. The last time they sent a notary, they asked for the document to to done in a manner that is not ethical or legal. When PHH sent the notary, they did not extend the deadline for my modification to be submitted, even though the document was due the next day. PHH has grossly mishandled our mortgage modification every step of the way with no help or answers to any of my questions. This issue has significantly impacted my family and credit. My husband and I are not able to make any major purchases, since our credit shows we are in default, although we have been making payments that are not applied to our account. Also, due to Covid 19 my families income has changed significantly, so I don't know if PHH will approve us under the same conditions or interest rates that we were previously approved for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
The medical debt collection from Transworld Systems Inc was placed on my credit reports without proper notification. I previously disputed the account with all three credit bureaus. I was able to determine the original creditor as XXXX XXXX. I have paid the debt with the original creditor as shown as the attached documentation. I am requesting that the collection account from Transworld Systems Inc be removed from XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 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: T.S. Holdings
State: CA

Complaint narrative:
This account IQ Data International is reporting inaccurate information on my credit report which is a violation of the FDCPA and also FCRA. Ive sent in validation letters on XX/XX/XXXX in which I receiver no response from them and also have documentation with the tracking number showing it was receive on XX/XX/XXXX. Theyre also reporting inaccurate DATE OF LAST ACTIVITY as XX/XX/XXXX in which it has been ILLEGALLY Re-aged and in violation. I have made no payments towards this account none this year and it should not reflect XX/XX/XXXX. Ive disputed this account twice with XXXX on XX/XX/XXXX & XX/XX/XXXX which it came back as verified but yet on my credit report it doesnt show that the account was even verified which is in violation with the FCRA of which I may collect up to {$1000.00} per violation which I intend on doing so unless settled. This account has shows that the account balance is higher than the actual HIGH BALANCE which is indeed inaccurate information. The debt company can not add any fees towards an account purchased from the original creditor, it may only collect what was originally owed which this is violation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: GreenSky, LLC
State: CA

Complaint narrative:
Hello in 2018 i went to XXXX XXXX XXXX to do an estimate of a XXXX XXXX treatment but I didnt like it because it was too expensive for me and I left, a year later I got surprised when I saw in my credit I had a debt of XXXX dollars so called them and we were in dispute for several weeks later they removed the charge but they left a due of XXXX dollars and they still reporting that, and that is so unfair because I didnt take any service of them I just went for an estimate, and I'm worried because they keep reporting that and I know eventually that will hurt my credit score, I need them to remove all those charges because I didnt take any service or product from them and GS loan XXXX  is the company that is charging me for tha Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
A bonus not paid as promised by Citibank priority bonus savings and checking account signups offer : Under the promotion number Promo. XXXX I opened an account on XX/XX/XXXX, checking account ending XXXX/savings account ending XXXX. I have screenshots of the promotion at the time of the offer that promised a {$700.00} bonus after 60 days of fulfilling their deposit amounts, and for some unknown reason they add another 90 days to make sure those requirements were followed, I guess. But you don't get your bonus for at least five months. After the 5 months, the bonus still has not been paid. 

I opened the account on XX/XX/XXXX and didn't deposit anything at that time. On XX/XX/XXXX, I deposited {$500.00} to XXXX ( Citi waited a full 2 weeks before crediting it to my account. ) {$50000.00} was deposited into the savings account on XX/XX/XXXX. The hard copy signature Card was received and recorded by them on XX/XX/XXXX. The end of XXXX statement recorded the account had a total balance of {$50000.00} On XX/XX/XXXX the ACH test deposits were recorded. 
On XX/XX/XXXX, I deposited the {$50000.00} for a total balance of {$50000.00}. 

I called on XXXX and inquired about the 90-day bonus payment and was informed I would have to wait until after XX/XX/XXXX, to see the promotion bonus deposited in my account. Customer service confirmed my promotion code at that time. 

Called again on XX/XX/XXXX and " promo code not found. '' " Customer service acknowledged that she saw the record from XX/XX/XXXX and sees the promotion code from that conversation, " but it will not currently populate ''. This means that she can no longer verify that I am qualified to get the {$700.00} promotion bonus on the {$50000.00} deposit made in XXXX. She asked if I wanted to start a dispute. 

I opened a dispute. She gathered all my data and confirmed that I had screenshots of the terms of the bonus by requiring me to read every paragraph of every page. As I read, I confirmed that I conformed with every element of that offer. 
Dispute reference number services request XXXX I also asked for a physical address to send a paper copy of screenshots of the terms of the promotion and other documentation including statements : XXXX XXXX exec response unit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX I was told I would hear from them by the end of last week and I did not. 

This is an years long pattern with Citibank. One web search revealed dozens of years old complaints about Citi Bank not honoring it's promotions. Most say it takes a complaint with your office to get a resolution. I find it suspicious that they can confirm my promotions code in XXXX, but it no longer exists in XXXX when the payment is due.

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 monetary relief
Consumer complaint received 2021-02-01 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: DC

Complaint narrative:
In XX/XX/XXXX, I reviewed my credit and noticed XXXX XXXX was reporting as an outstanding collection account. The same day I mailed a debt validation notice requesting the method of verification for this alleged debt. I received no response. In XX/XX/XXXX, I sent a second letter via certified mail with a second request for a method of verification/debt validation. I also requested specifically what method of validation did the credit bureaus receive to determine the debt was valid.I requested the credit reporting agency provide copies of whatever information the collection agency provided to validate this debt and if the documentation could not be provided, I respectfully requested for the item to be removed from my credit report. As of today, XX/XX/XXXX, I have not received any of the requested information and the debt is still reporting negatively on my credit. Secondly, XXXX XXXX currently does not have a valid business license in the District of Columbia. The District of Columbia requires each entity conducting business in the District to have a General Business License from the XXXX XXXX XXXX XXXX XXXX.I would like XXXX XXXX to validate the debt by providing an original contract with original signatures, detailed proof of title, and provide a valid General Business License as required by DC LAW XXXX. If the documents are not provided it is in direct violation of FDCPA section 809.

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