vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2021-01-08 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX EXPERIAN XX/XX/XXXX RE : Social Security Number : XXXX To Whom It May Concern : This letter is in response to your recent claim that XXXX XXXX XXXX has verified that the account they are reporting under my name is accurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to provided within fifteen ( 15 ) days of the completion of your reinvestigation. 
Additionally, please provide the name, address, and telephone number of each person contacted regarding the alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. 
I am requesting a reinvestigation AND your Method of Verification. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your noncompliance. 
I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, No. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 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 My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : 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 2021-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
In XXXX, the company know as National credit systems received a copy of an FTC report filed that included the company XXXX XXXX for XXXX the XX/XX/XXXX whom is their client. The information was not deleted ands when I spoke with the debt collector, I was told that they would not be deleting the debt and they had received the FTC report. In XX/XX/XXXX, I filed a second FTC report for this same account. I have also sent a letter to the debt collector stating that they would be sued. I have yet to receive any letter stating that the debt has been deleted. I am not sure of the amount that is being collected on. The debt collector has certified that they have received both reports and still nothing. This company is on the track of being sued by myself for distress and my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Solomon and Solomon, P.C.
State: NY

Complaint narrative:
I have attempted for a number of years to have this collection attorney remove this erroneous account from my credit report. I have written them with debt validation letters requesting ALL records for this debt, including but not limited to ALL documents that obligated me to the debt. 

They have never sent me a single solitary document and they refuse to remove the item from my credit report. 

Solomon & Solomon located at XXXX XXXX XXXX, XXXX, NY XXXX is an unscrupulous collection agency masquerading as a law firm. Their collection tactics are disgusting and illegal. 

The are reporting a debt on my credit report that does not belong to me as follows : SOLOMON & SOLOMON # XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ( XXXX ) XXXX Placed for collection:XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$5300.00} Date Updated:XXXX Original Amount : {$5300.00} Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX  Past Due : {$5300.00} Pay Status : In Collection Remarks : >PLACED FOR COLLECTION< Estimated month and year that this item will be removed : XX/XX/ -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- This debt is not mine, I have never executed any documents obligating me to make payments or receive service from the creditor XXXX at the address they say that the debt is for. I have never resided at the alleged address. 

This unscrupulous debt collector has refused to send me any records to validate this debt because they do not have any and can not produce them as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 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: NV

Complaint narrative:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

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 2021-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.

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 2021-01-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2020 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get 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 non-monetary relief
Consumer complaint received 2021-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
An offer letter was received in the mail to open a new account. I opened the account on XXXX, using unique offer code ( XXXX ) and set up a qualified direct deposits to be directed to this new account. If the above was met and {$4000.00} in direct deposits were received within 90 days of account opening, a {$300.00} bonus would be deposited into the account within 60 days. The qualifications were all met on XXXX ... and several BoA customer service reps. confirmed same. So, the bonus should have been deposited by XXXX. As of XXXX, it still has not been done. 

Called on XXXX an spoke to rep. She confirmed that all qualifications were met on XXXX. 

Called on XXXX, spoke to XXXX. He also confirmed that all qualifications were met on XXXX. This was after first rep. spoke to said that qualification wasn't met?! He said he sees this often, that the bonus is deposited after the 60 days and assured me it is likely it would be deposited the first week in XXXX. He filed a 'complaint. ' I trusted him but it was not ... 

Nothing came of last call so I called on XX/XX/XXXX and was on phone for > 2 hours and spoke to about 4 people of increasing authority, ending with XXXX. Escalations were filed, XXXX said he would call me back ... XXXX said all looks fine and bonus is in line, one rep. said they still have more time to pay the bonus, etc. It was all over the place. XXXX seemed to understand and want to help, but still not word and no bonus. 

I was thinking this was isolated to me, but am thinking this might be a systemic problem in order to pull in new customers ...

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 2021-01-08 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX EXPERIAN XX/XX/XXXX RE : Social Security Number : XXXX To Whom It May Concern : This letter is in response to your recent claim that XXXX XXXX XXXX has verified that the account they are reporting under my name is accurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to provided within fifteen ( 15 ) days of the completion of your reinvestigation. 
Additionally, please provide the name, address, and telephone number of each person contacted regarding the alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. 
I am requesting a reinvestigation AND your Method of Verification. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your noncompliance. 
I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal.XX/XX/XXXX ), you may be liable for your willful non-compliance. 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 My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : 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 2021-01-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
Recently opened a new credit card account. Noticed the card includes a cash advance limit of {$10000.00} which I will not use nor do I want included as part of this card. On XX/XX/XXXX, called customer service, as directed in a secure message to request same of XX/XX/XXXX, to request cash advance limit could not be adjusted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have disputed these accounts several times with Capital one, the credit bureaus, and with the XXXX, but to no avail. They are reporting false information on my credit report, and it needs to be deleted as soon as possible. Capital One is reporting 3 different dates of last activity, late payments after charge off, late payments after close date - remove immediately. Capital One is in violation by continuing to report these unverified and inaccurate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Vellum Mortgage, Inc.
State: VA

Complaint narrative:
I refinanced my home around XXXX XX/XX/XXXX for {$390000.00} with Vellum Mortgage in XXXX, VA. There is no prepayment penalty and Vellum 's own statements explicitly state that any additional funds will be applied to principal while also giving me the option to be more specific as to where the funds should be applied. Vellum refused to apply additional funds to my principal balance and told me their policy was to hold it all in an escrow account for future transfer to whichever company may acquire my loan. I made 2 payments, with an additional {$510.00} in each payment. I contacted the company to rectify this after it was obvious what happened the first time. I then received a corrected statement showing my payment was applied to principal. After the second payment I requested an update and it was then I see that the document they sent me was falsified and they did not apply my additional funds, now totaling {$1000.00} to my principal which resulted in me paying additional interest that I would not have otherwise. My loan has been sold effective XX/XX/XXXX and my additional payments, if applied on XX/XX/XXXX still result in me paying additional interest and my loan amortizing slower than if my payments had been applied correctly.

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 2021-01-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/2020 I sent a letter regarding in accurate and unknown information on my credit report. Til this day over 60 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. In Section 611 ( a ), it is plainly stated that a failure to investigate these items in 30 days gives a reason to remove those items from my credit report. It has been an 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me. My information was impacted by the XXXX data breach and may have gotten in the wrong hands.

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 2021-01-08 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: Santander Consumer USA Holdings Inc.
State: OH

Complaint narrative:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. 
On XXXX XXXX, 2020, SANTANDER CONSUMER USA, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 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: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2020 I sent a letter regarding in accurate and unknown information on my credit report. Til this day over 60 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. In Section 611 ( a ), it is plainly stated that a failure to investigate these items in 30 days gives a reason to remove those items from my credit report. It has been an 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me. My information was impacted by the Equifax data breach and may have gotten in the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 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: MD

Complaint narrative:
AFTER CAREFULLY REVISING MY CREDIT REPORT, I CAME ACROSS SOME ACCOUNTS THAT HAVE BEEN REPORTING ON MY CREDIT THAT I HAD ABSOLUTELY NO KNOWLEDGE OF. THE ACCOUNTS DOES NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME. I AM ASKING THAT AN INVESTIGATION TAKE PLACE ON THE ACCOUNTS SO THAT MY CREDIT FILE CAN GO BACK TO IT'S NORMAL SENSE AS SOON AS POSSIBLE.

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 2021-01-08 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: MD

Complaint narrative:
AFTER CAREFULLY REVISING MY CREDIT REPORT, I CAME ACROSS SOME ACCOUNTS THAT HAVE BEEN REPORTING ON MY CREDIT THAT I HAD ABSOLUTELY NO KNOWLEDGE OF. THE ACCOUNTS DOES NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME. I AM ASKING THAT AN INVESTIGATION TAKE PLACE ON THE ACCOUNTS SO THAT MY CREDIT FILE CAN GO BACK TO IT'S NORMAL SENSE AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 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 been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: AmerAssist A/R Solutions, Inc.
State: CA

Complaint narrative:
AmerAssist collection services XXXX, Account Number XXXX has been contacting family members, and left message on their cell phones saying that they, my family members, were named in a lawsuit against me because they share the same address. The matter involves what they say is {$380.00} in debt for braces of which is advertised as offered as a kit on there site for {$25.00} at XXXX. In fact, I am owed an over payment of {$95.00}. They have contacted my brother and mother at their personal cell phones with these threatening calls. I contacted the original creditor who is XXXX XXXX XXXX and notified them that they owe me {$95.00}.

Company response to consumer: Closed with explanation