vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-04 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I was disputing a Bankruptcy on my credit report that Experian verified as accurate. Confused by this i sent them a letter on XX/XX/2020 through certified mail with the tracking numbers XXXX XXXX XXXX XXXX XXXX asking for their method of verification. On XX/XX/2020 i received a letter from them Experian stating they were able verify that bankruptcy from my credit report by saying it was accurate but they failed to giving any proof on how they were able to verify it. i waited over a month with hopes that they will send me another letter with the verification i asked for but still i got nothing. ... .. 


Also for XXXX i also asked for the method of verification with tracking numbers XXXX XXXX XXXX XXXX XXXX. On XX/XX/2020 i received a letter from them stating they verified the Bankruptcy with the Bankruptcy court located on XXXX XXXX XXXX XXXX XXXX, XXXX NY, XXXX XXXX. I eventually went to that bankruptcy court in person and they told me when i got their that they don't verify bankruptcies with the credit bureaus. They gave me a letter stating that. After that i sent that letter to XXXX  through certified mail with the tracking numbers XXXX XXXX XXXX XXXX XXXX on XX/XX/2020 i asked them to remove that bankruptcy from my credit report because it could not be properly verified. As of XX/XX/2020 i have not gotten a reply from 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 2020-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion provided what I thought was free a credit report, but they included unwanted credit monitoring and charged me XXXX  dollars. This practice is predatory marketing on people simply looking to dispute a derogatory remark on their credit. This company needs to be reprimanded and I want my XXXX  dollars back.

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 2020-03-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
Myself and my granddaughter have an account with you there was recently a fraud payment done on my account. My granddaughter recently lost her phone in the beginning of XXXX where she has the app on it about a month later the end of XXXX she gets a email about a payment that was made she called in and the agent told her I would have to call in I did the next day to tell them about the payment that was made on the account and that we did not make the payment. We were advised by the agent that we would have to wait for this payment to be posted on the account before they can even do anything. I called in as soon as my granddaughter let me know that it posted on the account. The agent then proceeded to assist me and advise me that there is nothing for me to worry about that they would help me in taking care of this matter. She helped change our online account information, and she also got a new payment for {$60.00} made using our XXXX XXXX account that we make our actual payments out of. The agent even helped me out in getting all my online information changed over. Here I am today to call about my balance after the {$60.00} payment posted and I was hear that my account has been closed. The representative let me know it was due to returned payments and Capital One has the right to close the account after 1 return payment. One representative told me I had 2 in XXXX which I may have but then an account XXXX told me I have 5 and there was nothing that he can do to open my account. When I asked well if that payment had nothing to do with it being closed why wasn't it closed before this happened. He stated Capital one has the right to close the account at anytime and that a letter will be generated and sent out to me but it was closed 2 days ago with no notification. I would understand the closure if this happened prior to the fraud but it didn't so I feel like Im being held responsible for fraud that was done on my account if I wanted to commit fraud at XXXX years old I think Im smart enough to know not to call in and report it. If the account was going to close due to returned payments why did this not already happen or stop allowing me to make payments from that account but instead the account was closed for the fraud payment and they are trying to say it is all payment history, and we just made a {$60.00} payment that posted this is ridiculous and I feel like I am being held responsible and being punished for fraud being done on my account and for us reporting it. No communication until now being sent out and this account was closed 2 days ago. I didn't know it was closed until I called to check my balance after that {$60.00} payment posted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 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: MO

Complaint narrative:
This is the first time my identity has been compromised. I don't understand why this happened to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent. 

XXXX XXXX {$910.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX {$98.00} XXXX  XXXX  XXXX {$450.00} XXXX   XXXX  XXXX {$1200.00} XXXX XXXX  XXXX {$560.00} XXXX   XXXX XXXX  XXXX {$1400.00} XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX XXXX XXXX {$77.00} XXXX  XXXX {$10000.00} XXXX  XXXX {$1200.00} XXXX  XXXX  XXXX {$550.00} XXXX XXXX XXXX XXXX XXXX {$14000.00} XXXX XXXX  XXXX {$180.00} XXXX XXXX XXXX XXXX XXXX {$16000.00} XXXX  XXXX  XXXX {$2100.00} XXXX  XXXX {$3500.00} XXXX/XXXX  XXXX {$1400.00} XXXX XXXX XXXX {$180.00} XXXX  XXXX {$600.00} XXXX   XXXX XXXX {$1500.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
a person who I don't know, went into the TD Bank Branch in XXXX Pa and took a standard deposit slip accidently wrote my checking account number on the deposit slip and deposited XXXX into my account. now my question is, why the teller didn't verify the person on the account when the person gave her the cash and deposit slip, certainly she typed in the account number, instead they just processed the transaction. so when I went into my account online, naturally I saw the transaction, printed the deposit slip and receipt of the transaction and took it to the TD Bank Branch in XXXX XXXX   XXXX, Pa, where I work. and XXXX told me that it would be corrected in 30 minutes. that was at approximately XXXX XXXX. it was corrected, but I am fearful now that some stranger has my account number on the deposit receipt he acquired after the transaction. my complaint is that no one verified who this person was or the account information with him.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On the afternoon of XX/XX/XXXX, around {$3500.00} dollars has been transferred away through XXXX from my Bank of America checking account. It was done through 4 transactions, 3 of which around {$1000.00} and 1 around {$500.00}. I filed a fraud claim with BofA and got denied. 

I noticed this by the request for authorization code sent to my phone, which is not requested by me. There were around 20 requests ( 20 text messages ), unfortunately I don't have them anymore. 

After I received the first few authorization code, I immediately called the number of BofA, and by the time I was able to talk to someone, the money was already transferred away. ( First XXXX dollars. ) I talked to the customer service to file a claim, as well as the investigation department ( presumably of BofA ) which they told me it was transferred to an account under XXXX XXXX. I told them the fact that my email has been hacked, and they told me it was compromised through my online banking account. ( I checked and found read emails which are not read by me, as well as request to add recipient in XXXX, which is also not requested by me. ) In this process, BofA asked me to unfreeze the frozen checking account ( which was not frozen by me ) in order for them to reset the online banking account for me. In this process, another {$500.00} was transferred away while I'm on the call after I unfreezed my checking account. Then I was told I would either a ) get result of the investigation to my email or b ) get a temporary credit within 10 days. 

Today XX/XX/XXXX, I called BofA back since I haven't received either of those, and they told me they have sent me an email to my email account on XX/XX/XXXX which I checked again that I haven't. Later I confirmed with them that the email address is correct and set another address for delivery. BUT I was only told to receive the report after days. 

I was also told that the authorization code used to transfer the money was sent to my usual phone number and usual ip address. Which at the time it was under my possession and in no means I authorized the transaction. And they would provide more details on the phone.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: NM

Complaint narrative:
A payday loan taken out with XXXX XXXXXXXX XXXX sold the debt to National Credit Adjusters. This is a few years old and they kept re aging the debt and reporting it as new which is illegal and against fair reporting standards. They refuse to update the account on my credit report with the correct date of delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 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: VA

Complaint narrative:
I was denied by the car lot and I went and looked at my credit and I still see items on there that are not mine. I have reached out before and thought it was taken care of Please remove these accounts from my credit so i can do what I need to do for my family. There is an account with no name but the account # XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I noticed some inquiries as well that are not mine. I contacted the FTC and local police.

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 2020-03-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: FIRSTBANK PUERTO RICO
State: PR

Complaint narrative:
I purchased my home in XX/XX/XXXX for $ XXXX. My situation is that the septic tank is built on my driveway and it is way too close to the house and it doesn't percolate. I have to have it emptied out every month or it will overflow back into the house where I live with my wife and my XXXX year old XXXX. This is a very stressful situation since we have to bleach everything all the time for the sake of our health. I stopped making payments to the bank in XX/XX/XXXX when I sued the bank because it doesn't comply with VA regulations health wise. After many, many changes of judges I took the case all the way to the Federal Supreme Court. There was a number assigned to my case however, there was not enough time on their agenda to see it through. There was an inspection from the VA and they noted in the documents that an inspection from the PR Health Department is needed and that the lender had ignored this situation and still moved forward with the closing. The EPA inspected the area and stated that the way the septic tank was built does not comply with the laws and regulations and it should be on the backyard away from the structure. XXXX inspected the area and recommended not to walk on the street due to the contamination since it will be brought into the house. The Department of Health of PR informed us after the inspection that the septic tank does not meet the requirements needed for any type of mortgage loan because it does not comply with PR laws. My house has lost its value to others in foreclosure for the same issue which are selling for $ XXXX. Yes, {$30000.00}! Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Cottonwood Financial Ltd.
State: NM

Complaint narrative:
A payday loan taken out with The Cash Store sold the debt to XXXX XXXX XXXX. This is a few years old and they kept re aging the debt and reporting it as new which is illegal and against fair reporting standards. They refuse to update the account on my credit report with the correct date of delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
My credit application was recently denied, and according to the online credit report that I received less than days ago from the agency denied credit to me, your credit bureau issued the report that was used to determine my credit evaluation. 

Section 609 E2 A1 Validation, Disclosure, [ 15 USC 1681g ] of the Fair Credit Reporting Act of 1970 provides that your credit bureau should send me all information on file. According to the provisions of Section 612 ( b ) [ 15 USC 1681j ( b ) ], 623 A1 Inaccurate reporting. In addition if you cant obtain this info you are required to delete this information off of my Credit report According to the provisions of the Fair Credit Reporting Act 609 A1 E2 Validation and Disclosure 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation.

Notwithstanding paragraph ( 2 ), a court may not impose any civil penalty on a person for a violation of Section 623 ( a ) ( 1 ) unless the person has been enjoined from committing the violation, or ordered not to commit the violation, in an action or proceeding brought by or on behalf of the Federal Trade Commission, and has violated the injunction or order, and the court may not impose any civil penalty for any violation occurring before the date of the violation of the injunction or order. 

I reviewed a copy of my credit report and am disputing all items that need to be deleted. I have highlighted and numbered these disputed items on the attached copy. The reasons why these items should be deleted are indicated below : 1. XXXX XXXX XXXX XXXX XXXX - This account was paid in full 2. XXXX XXXX # XXXX 3. XXXX XXXX # XXXX - This account was paid in full 4. 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 2020-03-04 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: VA

Complaint narrative:
I was denied by XXXX XXXX XXXX and I went and looked at my credit and I still see items on there that are not mine. I have reached out before and thought it was taken care of Please remove these accounts from my credit so i can do what I need to do for my family. There is an account with no name but the account # XXXX, 1 XXXX XXXX XXXX XXXXXXXX. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I noticed some inquiries as well that are not mine. I contacted the FTC and local police.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 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: VA

Complaint narrative:
I was denied by the car lot and I went and looked at my credit and I still see items on there that are not mine. I have reached out before and thought it was taken care of Please remove these accounts from my credit so i can do what I need to do for my family. There is an account with no name but the account # XXXX, 1 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I noticed some inquiries as well that are not mine. I contacted the FTC and local police.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 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:
Transnion, XXXX and XXXX have multiple account on my credit report that I have never opened or authorized. I have submitted complaints with the XXXX and was advised to start here with cfpb

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 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: BARCLAYS BANK DELAWARE
State: SC

Complaint narrative:
This company is being inconsiderate, I have tried for a number of times to find resolution with these company but all efforts are in vain. I had a XXXX XXXX XXXX in late XX/XX/2018. The XXXX was not 100 % successful, it turned up to be a nightmare as I had to stay in the hospital for further checkup. In the process, I was unable to work and suffered XXXX XXXX and developed XXXX XXXX XXXX and couldnt XXXX XXXX 
My condition was so bad that I could not manage my finances for a period of time. As a result, fell behind in my monthly payments for that period. But after I recovered that is late XXXX that year, I have been making my payments in time ever since. It was never my intention to be late. As a matter of fact, I could not work during that period as I was recovering from XXXX XXXX. After I recovered around XX/XX/2018, I have maintained a perfect record ever since. Also, keep in mind, if it were not the XXXX XXXX, this account would have never fallen behind. 

Attached herewith is the letter I sent them earlier

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 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: NV

Complaint narrative:
XXXX, XXXX and Eqifax have multiple account on my credit report that I have never opened or authorized. I have submitted complaints with the XXXX and was advised to start here with cfpb

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 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: NV

Complaint narrative:
XXXX, ecperian and XXXX have multiple account on my credit report that I have never opened or authorized. I have submitted complaints with the XXXX  and was advised to start here with cfpb

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