vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-12 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: NC

Complaint narrative:
[ XXXX XXXX ] [ My XXXX XXXX account number is XXXX but at this time my bank account s closed ] [ Born on XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XX/XX/XXXX ] [ XXXX XXXX ] [ XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX ] Re : The dispute error was points being deducted from my score when after I was told it would not drop my score Dear [ CFPB, ] I am writing to request a correction of the following information that appears on my [ XXXX, XXXX, TransUnion ] consumer report : Dispute 1 [ These are examples. Pick the ones that apply to your credit report. ] Account Number or other information to identify account : [ My account number for XXXX XXXX is ( although the account for it is currently close ) is XXXX and my credit card number for XXXX XXXX is XXXX good thru XX/XX/XXXX cvv XXXX Dates associated with item being disputed : [ The date associated for the credit score deduction is XX/XX/XXXX. The date for the very first dispute of an unauthorized transaction was around XX/XX/XXXX or XXXX XXXX at around XXXX ] Explanation of item being disputed : [ I was told that the dispute of the unauthorized transaction of XXXX was going to be disputed and that XXXX XXXX flagged it and was going to refund the money. I and here is the reference number an agent gave me XXXX. I even asked if my credit score was going to drop and the answer was no But today it did drop. 
Im the victim of identity theft and I dont recognize one or more of the accounts on my report. [ You may wish to include a copy of the FTC identity theft affidavit describing the identity theft. ] Dispute 2 [ My Credit Score went from XXXX to to XXXX and my credit over limit that became over its limit due to the unauthorized transaction is {$330.00} it went over its limit by {$34.00}. 
I have attached a copy of my report with the accounts in question circled. ] Thank you for your assistance. 

Sincerely, [ 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 2019-10-12 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: NY

Complaint narrative:
Responding to CFBB XXXX on XXXX TransUnion in part responded pending investigation which will be completed on/or before XXXX 21 days after the promised completion date the completion is still to be reported.

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 2019-10-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: CT

Complaint narrative:
To Whom It May Concern, The reason for my dispute is ARS ACCOUNT RESOLUTION XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, ARS ACCOUNT RESOLUTION failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) ARS ACCOUNT RESOLUTION failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation ARS ACCOUNT RESOLUTION is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see whereARS ACCOUNT RESOLUTIONis in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit reportARS ACCOUNT RESOLUTION has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

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 2019-10-12 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: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: CO

Complaint narrative:
I filed an application for credit with Car Hop and from the start have had horrible service from the sales rep named XXXX. He failed to follow up with me until I had to reach out to him. XXXX began asking for information from a previous application I submitted which was not the one with my current information on it. When I reached out to XXXX he failed to follow up with my primary form of communication as well. I called Car Hop on XX/XX/2019 to speak with a manager regarding the situation and spoke with XXXX. XXXX is not personable at all at the slightest sign of frustration he began to threaten to hang up on me and not do business with me. I was not verbally abusive not was I screaming, shouting or yelling at him. He stated that because I was making a complaint against him and his employees I was being abusive and he eventually hung up the call. This business failed to communicate with me about my approval or denial of my application on more than 5 occasions both by call and email. They refuse to tell me what the application status is and at this point feel that they have violated my rights as a consumer. I have not received any mail regarding my credit which was run by this business and want any record of them pulling my credit removed from my credit report as they have blatantly failed to provide the service they advertise. They are not conducting fair and reasonable business.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have reached out to Equifax, and XXXX requesting that a Chapter XXXX Bankruptcy on my report be verified and provide proof of verification and if it couldn't be verified I requested the information be deleted from my credit file. Both Equifax and XXXX claim the information was verified by a third party XXXX XXXX. Under the FCRA this information is not to be verified by a third party, the bankruptcy court should be the furnisher of the information. I have contacted the bankruptcy courthouse and they indicated that they dont provide verification information to third parties. So I dont believe Equifax and XXXX properly/legally verified the information as they claim to have.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CITIBANK, N.A.
State: HI

Complaint narrative:
We paid a credit card off in full and when we received the new cards from the same company we never activated them. It was the XXXX XXXX from CITIBANK. We then moved from XXXX to XXXX. I updated my address with XXXX when we moved. In XXXX of 2018 my wife tried to use the card, deciding to activate it at XXXX and we were informed it was closed. When I called Citibank they said there was an outstanding balance of {$300.00} that was three months overdue. I thought this to be impossible or fraud because we had not used the card. As it turns out, XXXX charged their annual fee to the card in XXXX of 2018 without our knowledge. Citibank, for some inexplicable reason, had us on a no contact order. So for three months late fees and interest mounted up. In XXXX, My wife paid the card in full though we were still in dispute with Citibank. In XXXX 2018 Citibank admitted it was there fault and refunded all of the late fees and interest. However, they submitted derogatory information on our credit report which dropped us from an aggregate XXXX to XXXX credit score. I filed complaints with two reporting agencies. XXXX was the only one to report back stating that I was correct, that the account was cleared and even though Citibank admitted their fault in the matter they refused to remove the derogatory information. When I called Citi and finally got through to Citibank I was informed that yes, they admitted the problem with the no contact order and that they did refund all charges, but it was not their policy to remove derogatory information. Not my fault. Do know what to do from this point.

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 2019-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
XX/XX/19 XXXX County Park and Recreation Department Case Number : XXXX Hello, This is XXXX XXXX writing in regards to the charges that were applied to my bank account in the amount of {$65.00}. Please see the attached letter that was provided to me from my bank. I did I fact call the recreation center and spoke to a lady who stated that I would have to dispute the charges with my bank. I told her that I found a different child care option and would need to cancel. I will also get a copy of my phone records to indicate the time and date that I called the center to cancel services. No one also called and wrote me a letter to verify that the information present to Bank of America was in fact true and correct. There is also no contact name and number listed on the form from XXXX County. I will be faxing XXXX County Park and Recreation Dept a copy of this letter In the meantime, I will for this to the Consumer Financial Protection Bureau and the XXXX XXXX XXXX. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NC XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- After informing Bank of America, that my daughter did not attend the services two months ago, they sent a letter which I received today XX/XX/19 ; that they are refusing to issue a credit. I have another situation that also happened where I have proof that I did not receive services from XXXX XXXX with supporting evidence as a SIM card was sent out to me, I tried to return it in-person, via telephone and never used it as it was the wrong SIM card for my phone. Instead, XXXX refused to issue a credit and again so is Bank of America.

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 2019-10-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC
State: AZ

Complaint narrative:
In XX/XX/2019 I moved back in with my parents. I am sick and on XXXX leave. I called and updated my address with Flagship at that time. Oddly, right after that I quit getting paper statements. 

I REQUIRE a physical paper statement and I do not have access to print anything online. Because of my illness and XXXX a 3rd party helps me with my finances and payments. I simply provide them with my statements and they do the rest. They require the statement to be able to easily assist me. If I don't get a physical bill, it won't get paid. 

I have asked them every time they call and tell me the bill is late to research the reason I am not receiving statements. They always tell me that they do and that it's fixed but in 8 months I haven't received on statement however I do receive their hate mail harassing me and telling me I'm late but they can't for the life of them send me a freaking statement. 

Not only that, but Wed the XXXX I made an arrangement ( it's late again because I didn't get the statement again ) to pay the entire {$660.00} balance and the collection department from XXXX has the nerve to call me again today asking for the same imformation. 

So they harass me by calling every 2 days even with a set arrangement and then send me hate mail. Tell me my car loan is in default but won't send me anything but their hate mail when I beg for the paper statement. 

I've cried on the phone, yelled, nicely asked for a supervisor, cried again, offered to wait for hours to talk to a supervisor and NOTHING. No one wants to solve the issue so my payments can be on time. I'm at the mercy of a company that would rather harass me on the phone every few days than send me the physical paper statement I've asked for. 

I bet, if they listened to all the recorded phone calls they would hear my pleas on EVERY SINGLE CONTACT they have had with me since XXXX. Just the last 5 calls alone is evidence. 

I even got online and updated the account. The main page on my profile advises that my account needs attention but it is on the company side. You can see that in the document I sent as well.

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 2019-10-12 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: EQUIFAX, INC.
State: NC

Complaint narrative:
[ XXXX XXXX ] [ My XXXX XXXX account number is XXXX but at this time my bank account s closed ] [ Born on XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XX/XX/XXXX ] [ XXXX XXXX ] [ XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX ] Re : The dispute error was points being deducted from my score when after I was told it would not drop my score Dear [ CFPB, ] I am writing to request a correction of the following information that appears on my [ Equifax, XXXX, XXXX ] consumer report : Dispute 1 [ These are examples. Pick the ones that apply to your credit report. ] Account Number or other information to identify account : [ My account number for XXXX XXXX is ( although the account for it is currently close ) is XXXX and my credit card number for XXXX XXXX is XXXX good thru XX/XX/XXXX cvv XXXX Dates associated with item being disputed : [ The date associated for the credit score deduction is XX/XX/XXXX. The date for the very first dispute of an unauthorized transaction was around XX/XX/XXXX or XXXX XXXX at around XXXX ] Explanation of item being disputed : [ I was told that the dispute of the unauthorized transaction of XXXX was going to be disputed and that XXXX XXXX flagged it and was going to refund the money. I and here is the reference number an agent gave me XXXX. I even asked if my credit score was going to drop and the answer was no But today it did drop. 
Im the victim of identity theft and I dont recognize one or more of the accounts on my report. [ You may wish to include a copy of the FTC identity theft affidavit describing the identity theft. ] Dispute 2 [ My Credit Score went from 704 to to XXXX and my credit over limit that became over its limit due to the unauthorized transaction is {$330.00} it went over its limit by {$34.00}. 
I have attached a copy of my report with the accounts in question circled. ] Thank you for your assistance. 

Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12 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: EQUIFAX, INC.
State: NC

Complaint narrative:
[ XXXX XXXX ] [ My XXXX XXXX account number is XXXX but at this time my bank account s closed ] [ Born on XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XX/XX/XXXX ] [ XXXX XXXX ] [ XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX ] Re : The dispute error was points being deducted from my score when after I was told it would not drop my score Dear [ CFPB, ] I am writing to request a correction of the following information that appears on my [ Equifax, XXXX, XXXX ] consumer report : Dispute 1 [ These are examples. Pick the ones that apply to your credit report. ] Account Number or other information to identify account : [ My  account number for XXXX XXXX is ( although the account for it is currently close ) is XXXX and my credit card number for XXXX XXXX is XXXX good thru XX/XX/XXXX cvv XXXX Dates associated with item being disputed : [ The date associated for the credit score deduction is XX/XX/XXXX. The date for the very first dispute of an unauthorized transaction was around XX/XX/XXXX or XXXX XXXX at around XXXX ] Explanation of item being disputed : [ I was told that the dispute of the unauthorized transaction of XXXX was going to be disputed and that XXXX XXXX flagged it and was going to refund the money. I and here is the reference number an agent gave me XXXX. I even asked if my credit score was going to drop and the answer was no But today it did drop. 
Im the victim of identity theft and I dont recognize one or more of the accounts on my report. [ You may wish to include a copy of the FTC identity theft affidavit describing the identity theft. ] Dispute 2 [ My Credit Score went from XXXX to to XXXX and my credit over limit that became over its limit due to the unauthorized transaction is {$330.00} it went over its limit by {$34.00}. 
I have attached a copy of my report with the accounts in question circled. ] Thank you for your assistance. 

Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: North Shore Agency, LLC
State: PA

Complaint narrative:
North Shore Agency has sent me a collections bill for a debt that I don't recall even making. According to them, I allegedly owe XXXX dollars for some book that I never ordered. The book is supposedly titled XXXX XXXX XXXX XXXX XXXX. I don't remember ordering any book in my entire life. If this is the result of some kind of identity theft going on, then I have every intention on finding out who stole my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have had accounts with this bank since 2015. All this time I have had online access to my accounts with no problems. Now Capital One has added an additional security feature that I can not comply with. Because I can not comply with its new system Capital One has blocked my online access.

I have pointed out to the bank that it can not impose a requirement on me that it did not have when I opened the accounts. Such an act is a breach of contract as well as a breach of the depositors ' agreement in effect when I opened the accounts. 

Please prevail on this bank to restore my online privelages.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: CT

Complaint narrative:
To Whom It May Concern, The reason for my dispute is HELVEY & ASSOCIATES INC XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, HELVEY & ASSOCIATES INC failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) HELVEY & ASSOCIATES INC failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation HELVEY & ASSOCIATES INC is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where HELVEY & ASSOCIATES INC is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. HELVEY & ASSOCIATES INC has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12 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: IL

Complaint narrative:
XXXX and XXXX  have complied with my block request. Equifax refuses to comply with my block request. They refuse to move the listed accounts from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
on XX/XX/2019 at XXXX XXXX my account balance {$5.00} which is the end of the business day for XXXX by XX/XX/2019 at XXXX ( when it was bought to my attention ) my balance XXXX they have already charged me the overdraft fee without waiting for the end of the of the business day I talked to a rep on chase by phone her name was XXXX she said the transactions were posted at XXXX XXXX on XX/XX/2019 which is the new business for XX/XX/2019 and the closing time for that business day is XXXX of XX/XX/2019 so why didn't I get to the end business day to pay the original overdraft in the amount for XXXX I feel they dothis to get over on people I don't mind paying what I owe the bank I understand if the overdraft is over {$5.00} you have until the END of the business day XXXX XX/XX/2019 before XXXX XXXX ) to pay it back but they charged me the fee at XXXX they don't even have branches open at that time

Company response to consumer: Closed with monetary relief