vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-18 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: PA

Complaint narrative:
I previously asked this company for a investigation and asked this company to provide me with proof that investigation was preform this company filed to provide me with either when i called and asked how is this possible I was told to simply submit another dispute and i thought they have 45 to 60 day dispute process for a reason i have numerous receipt to company 's asking to remove the accounts that don't belong to me. I also submit certified receipts for investigation with no respond. I provide my identification card and social security card as proof of my identity and FTC report and I also made police report and receive a report number. Thanks you

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 2021-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2021 Bank of America without warning or explanation placed two freeze on my account by putting an {$880000.00} withdrawal hold on my account. This has put both my personal and my business account into the negative by over $ XXXX dollars. 

My business account is used daily and has checks that go out for payroll. When I called Bank of America, they were unable to give me any reason as to why the account was being reviewed. They also told me that I need to call back in the next 24-48 hours. I asked to speak with a department head or someone who might know which department at least initiated the hold or the review of my account. Again, nothing. No information, just call back tomorrow. In the meantime, my business and my personal health is suffering. 

The direct effect of this is my workers are not getting paid. My $ XXXX that was in my accounts I can not touch even though I've done absolutely nothing wrong. Please help.

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 2021-03-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AVANTE
State: FL

Complaint narrative:
I started disputing this company since XXXX of 2020 and this alleged debt has been affecting my credit. The debt collector hasn't provided proof that alleged debt belongs to me. This is affecting my ability of getting a new home. I don't know why im being treated like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 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: DC

Complaint narrative:
I have credit cards not reported with an excellent payment history, credit cards paid off and aren't supposed to be reporting, credit relationships discharged against the creditor by the XXXX  XXXX  court that they are still reporting in errors. 

The detailed letter provided gives full names, account numbers, dates, and amounts to be corrected. 

The creditors are also reporting data in collections or in charge off status in a current month, despite Covid relief mandates, as though they weren't informed of the same. 

My credit score isn't correct on the three reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have submitted q request to have this medical bill removed from my credit it is a HIPPA LAW VIOLATION. When HIPAA-covered entities disagree with the findings of the investigation, a civil monetary penalty may be issued. This collection agency has shared my Doctor name and that goes against HIPPA and the bill has been paid. The collection company will not furnish proof of any but that I dont owe.

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 2021-03-18 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: CA

Complaint narrative:
On XX/XX/21 send police report of Identity theft to company, company received on XX/XX/21. Company responded the fraudulent accounts were verified on XX/XX/21. On XX/XX/21 I requested all the information that would support the verification of the fraud accounts have not received any response from company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
USAA and XXXX XXXX  were reluctant ( decline ) to give me the third option of getting out from my forbearance. 
These are the option : 1. ) lump sum payment.

2. ) re-payment plan ( modification/re-finance ).

3. ) to put due amount ( 3 month of forbearance ) to the very end of the loan. 
My loan is a VA type of loan in the first place. 
USAA/XXXX XXXX denied me of the third option which I'm specifically ask/requested before the forbearance started in XXXX. 
I'm willing to get back to normalcy of payment but they're forcing me to take the second option which I didn't approved. I ask for the third option in the first place from the very beginning of forbearance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I started disputing this company since XXXX of 2020 and this alleged debt has been affecting my credit. The debt collector hasn't provided proof that alleged debt belongs to me. This is affecting my ability of getting a new home. I don't know why im being treated like this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-18 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: FISERV FINXACT CORE
State: TX

Complaint narrative:
Received EIP card but no PIN. Can't activate card or get anywhere on any website without the PIN. I can't even cancel it by calling XXXX or on the EIPCARD.COM website without the PIN. 

Can't use it, can't cancel it??????

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 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: DC

Complaint narrative:
I have credit cards not reported with an excellent payment history, credit cards paid off and aren't supposed to be reporting, credit relationships discharged against the creditor by the XXXX XXXX court that they are still reporting in errors. 

The detailed letter provided gives full names, account numbers, dates, and amounts to be corrected. 

The creditors are also reporting data in collections or in charge off status in a current month, despite Covid relief mandates, as though they weren't informed of the same. 

My credit score isn't correct on the three reports.

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 2021-03-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Vengroff Williams, Inc
State: CT

Complaint narrative:
On XX/XX/2021 I received a first communication from Vengroff Williams regarding a supposed overpayment on short term XXXX related to my prior employer ( via insurance company The XXXX ). Around that time I spoke with a VW representative explaining that the issue regarding employment end date and the " overpayment '' existed somewhere between XXXX and The XXXX. Per VW 's recommendation, I attempted to work with XXXX to address the issue with them - they were ultimately unresponsive. 

On or about XX/XX/XXXX, I contacted VW at XXXX to let them know that the error between XXXX and The XXXX could not be resolved due to unresponsiveness, but that I had written proof of the claim end date and my employment end date lining up and disputed the debt. Per VW 's instructions, I provided said evidence and my written dispute of the claim to XXXX with the claim number in the subject line on XX/XX/2021 at XXXX. 

There has been no response from VW providing any contrary evidence since that dispute and they are now well beyond their window of time to continue to harass me over this claim. Still, today I received a letter dated XX/XX/2021 stating that " Despite repeated requests for payment, the balance remains delinquent and unpaid ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I for some reason do not have a credit score with XXXX  and Transunion. I do have a credit score with XXXX. I have been trying to establish credit with XXXX  and Transunion however, there has been too much back and forth at this point and they have not been able to assist. 

I have sent my information twice now to each XXXX  and Transunion. 

With Transunion, I have sent my information both times by mail. Apparently, the 1st time I sent it, it was not enough information even though I sent what they asked for. So, I sent everything again including new additional documents through certified mail, and am waiting now. 

With XXXX, I have sent my information through fax and have confirmation of delivery however after waiting 8 business days after XXXX  received the files ( which by the way, they said they need 3-5 days ), they have no record of the file. Customer Service assumed that it was because the files were not readable and asked me to resend the information again. XXXX  also does not have any notes to prove that the file was not readable. So, I sent everything again through certified mail and am waiting now. However, I am very concerned that the same exact thing will happen.

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 2021-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing a complaint against The credit bureaus as well as the creditor for inaccurate and unjust reporting. This 3 years has been this company XXXX COMMUNITIES WITH THE COMPLEX NAME XXXX XXXX REPORTING INACCURATE INFORMATION TO THE CREDIT BUREAUS AND REPORTING DIFFERENTLY TO THE COURTS. I REACHED OUT TO HAVE THIS DEBT REMOVED BECAUSE THE CREDITOR CANT PROVIDE DOCUMENTATION OF THIS DEBT SO IT SHOULD BE REMOVED. I reached out to the creditor to find put how it was investigated and what was provided to show accuracy and they couldnt provide any information nor would they remove it so Im complaining on both companies

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capital Accounts, LLC
State: NJ

Complaint narrative:
Specifically, Capital Accounts failed to provide me with any written debt validation notice regarding any alleged debt before reporting any information to credit bureaus. They failed to provide me with any notice at all of my rights to dispute the validity of such debt within 30 days. They failed to provide me with any notice of my rights to obtain the name and address of the original debtor within 30 days. They failed to verify that I am responsible for this alleged debt. They unlawfully designed, compiled, and furnished information regarding a debt allegedly owed to a creditor knowing that such information was intended to create the false belief to credit bureaus that their company is participating in the collection of and attempting to collect an alleged debt that I allegedly owe to a creditor, when in fact, they are not in any authorized capacity to do so and no creditor has given any such authorization. 

I requested in writing that they provide me with all of the documentation listed below and they responded with the attached letter only that their client, " XXXX XXXX '', authorized them to report the debt as a collections account to credit bureaus. They did not provide any documentation to verify that I owe any alleged debt. They did not provide information regarding services rendered for the alleged debt. They did not provide the full mailing address of the original creditor for the alleged debt. They did not provide documentation of any signed contracts or agreements with the alleged creditor. They did not provide documentation showing they have verified that I am responsible for this alleged debt. They also did not provide documentation showing they are licensed to collect debts in the state of New Jersey, which they are NOT. 

I have also have written to the credit bureaus regarding this matter and I am awaiting a response and hopeful deletion as well. Further, I contacted XXXX XXXX billing department and I spoke with them. They stated that I do not have any past due balances. They are my current medical care facility. Further, they stated that they did not authorize the collection activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 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: CL Holdings LLC
State: GA

Complaint narrative:
On XX/XX/2021, XXXX XXXX added a derogatory mark on my credit report per XXXX. Upon further research, the account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me. According to the FCRA, XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint narrative:
I have been receiving emails from Capital One in regards to someone else 's bank account ( Credit Card ), I have tried an failed to get these stopped on the banks end. I have chatted with someone on Capital One 's Online Chat and forwarded emails to their 'abuse ' email address ( Date of Chat & Email interaction : XX/XX/2020 ). This stopped the emails for a couple of months however the emails have since restarted. 

For further information ; I can not access anything else regards to the account and I am only receiving statement and payment emails. I live in the XXXX and the account holder lives in the US ( this is a 'best guess ' as the amounts in the emails are in USD ). 

I can see the persons full Given & Family Names, the first initial of their Middle Name & the last 4 digits of their account number. On the statement emails I can see the balance, the minimum payment & the payment due date. On the payment emails I can see the amount paid and the posted date. 

I do not know any further details about the account holder and all contact information that has been filled out are my details so that this can be sent through. I have included the account holders name as the 'other person ' involved in this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
In the first week of XXXX, I spoke with my lender ( XXXX XXXX XXXX which is the mortgages arm of the USAA ), asking for a forbearance on my VA loan. They said okay, and gave me 3 options of repayment after the forbearance ( which would last 3 months ). The first option was to pay a lump sum, the 2nd option was to get a loan modification, and the third option was to push back the forbeared months to the end of the loan term. I told them I wanted the third option no matter what and they told me I could do it at the end of the third month and that they would let me know in the third month.

The third month has passed and I went to check the website to pay the next month mortgage payment and noticed that my mortgage had been adjusted. Today, ( XX/XX/XXXX ), I called the my lender and asked why this had happened and they told me it was a loan modification that I had not consented to. I told them this is not what I wanted, in the very beginning I said I wanted the third option and they told me that this loan modification was all I had been offered. I asked them to give me the third option and they denied me that option. The reason they gave was because the VA doesn't give that option so I didn't qualify for that option. I asked them if they asked the VA or had proof or documentation that I did not qualify and they could not answer me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have sent two certified letters to Equifax requesting my free annual credit report. I sent a copy of my passport, my social security and as a utility bill, I sent my XXXX car insurance statement. I live with my parent and I do not have any other utility bill in my name. I am trying to change my address with the credit bureaus and Equifax continues to refuse to provide to me a copy of MY credit report. I have provided documentation regarding who I am using legally accepted methods. Unfortunately, I am unemployed and can not and furthermore, will never provide to a credit bureau, a copy of a paystub. There have been so many security breaches with the credit bureaus, that I am afraid to provide too much personal information. The fact that I have sent two requests via certified mail demonstrates the fact that I need to obtain and have the credit bureaus change my address to the new address I have provided. I need to receive and review my credit report because I also need to find employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: CA

Complaint narrative:
XX/XX/2021 I reported to US Bank that my debit card had been stolen, and reported every unknown transaction. After that, they turned off my card, but my bank account still had it. Funding I tried to log in to my account using mobile banking and online banking to transfer the balance of the account, but it was not successful. On the morning of XX/XX/2021, when I tried to log in to mobile banking to transfer my funds again, the system prompts me that my login account has been XXXX and I can not access my account, but my account contains all my funds, including The third round of assistance is in this account. That is all my money. I can't use the digital bank. I can only go to the local bank for processing. But the bankers also told me that they can't do anything, nor can they get back the money in my account. Let me wait and wait until one of their departments finishes processing before releasing my funds, which annoys me very much.

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 2021-03-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
CAPITAL ONE is reporting inaccurate information to all three credit bureaus XXXX, XXXX and XXXX. They are reporting that I was late 30 days one time. I was never late on this account. My payment status on my report shows current which means I have never been late. They have not provided any documentation to show proof I have been late on this account. I have asked them to remove this late payment from my account many of time and nothing has been done. I have disputed this information 6 times. Below I have uploaded supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
PAYDAY LOAN TAKEN IN 2014 I STILL HAVE DEBT COLLECTORS REPORTING TO MY CREDIT FILE ITS BEEN 8-9 YEARS. IT JUST GET PASSED FROM COMPANY TO COMPANY

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
PAYDAY LOAN TAKEN IN 2014 I STILL HAVE DEBT COLLECTORS REPORTING TO MY CREDIT FILE ITS BEEN 8-9 YEARS. IT JUST GET PASSED FROM COMPANY TO COMPANY

Company response to consumer: Closed with explanation