vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-21 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Experian can't deliver my credit report online via XXXX, and has been unable to do so for the past several years as I've tried to request my credit reports online through XXXX. Experian is required by law to maintain a working web site for accessing free annual credit reports under the FCRA and FACT Act. Experian is in violation of law. Experian needs to fix their web site so I can get an online copy of my free annual credit report as I am entitled to obtain by law. The CFPB should fine and sanction Experian for its routine and repeated violations of law.

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 2020-11-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
- capital one secured credit account opened in my name, it was closed with a XXXX $ outstanding balance, I never opened that account I knew nothing of it until I started receiving mail about it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
I do not owe this company or covered bridge capital anything. The company states in the contract that unless I am paid for my injuries from the auto accident they dont get any compensation. 

I have not received a penny from the accident. There is a contract stating this. 
This company trans world systems is aware the debt being collected is fraudulent and is attempting to collect a debt not owed. I also have a contract stating this to prove this. 

Please investigate this company and covered bridge for attempting to collect debts not owed when no settlement has been received. Since they both have violated the contract stating they will not collect unless I recover a accident settlement ( which I have not ) I now consider the contract void and any amounts they would have received to be voided.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
After numerous attempts to get this fraudulent account removed from my credit report Capital One has yet to remove, I have never had an account with Capital One this is a fraudulent account, I want to dispute this account under the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21 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: PA

Complaint narrative:
I am filing this complaint because Experian has ignored my request multiple times to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 45day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA - they are REQUIRED to ... promptly delete all information which can not be verified. that I have disputed. Please resolve this manner as soon as possible. Thank 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 2020-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bull City Financial Solutions, Inc
State: SC

Complaint narrative:
After numerous attempts to get Bull city financial to remove this fraudulent account from my credit report they still havent removed this fraudulent account I never had any account from them ever. I want to dispute this fraudulent account under the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Since XX/XX/2019 I have written letters to XXXX XXXX XXXX XXXX XXXX 

The correct spelling of my name is : XXXX XXXX XXXX The only address that should appear is : XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX The only telephone number that should appear is : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21 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: PA

Complaint narrative:
I am filing this complaint because Transunion has ignored my request Multiple Times to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 45 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA - they are required to ... promptly delete all information which can not be verified. that I have disputed. Please resolve this manner as soon as possible. Thank 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 2020-11-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: UMPQUA HOLDINGS CORPORATION
State: WA

Complaint narrative:
Umpqua bank is lying about receiving payment.

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 2020-11-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XX/XX/2020 Beginning XXXX XXXX Transaction 1 : XXXX - Declined Transaction 2 : XXXX Approved Received call to approve transaction When Mrs. XXXX XXXX XXXX, XXXX called in the card was placed in review status and so it begins : NOTE - LISTED WIFE AS CARDHOLDERER SINCE NO OTHER CHOICE Set up card to in new website to pay for a purchse when started to check out " Card not accept card '' ( My wife gave XXXX XXXX this time ) We thought had entered the card incorrectly so I just entered another card as my wife, who has to enter for me was in a hurry for an appointment. 

I received a fraud alert and my wife called as she is authorized to speak for me and identified herself as MRS.XXXX XXXX XXXX, XXXX and gave them all the information regarding the transaction and the card information. XXXX told her to slow down - she was reading too fast. He could hear that she was in her car. She told him she was and even advised that she was driving in the car was. Notes were added to the file years ago that she would ALWAYS CALL IN FOR ME!!!! NO QUESTIONS ASK. 

They now are reviewing the account. Spoke to my wife in a awful matter. Then when she called to reset the password - they wouldn't and said I have to go to a bank and give them ID. It is difficult for me as I am a XXXX and XXXX patient. 

XXXX XXXX with Fraud spoke to her in a down grading tone and would not listen to her explanation. XXXX with Online Services would not speak to me. We understand Fraud protection, however, if we were trying to Fraud BOA and were a risk we would not have called. I am XXXX XXXX XXXX and my wife takes care of all of my business.

These people have caused a hardship on us because their system didn't work. My wife is suffering mental distress and duress from how she was treated. The XXXX was violated because the persons waiting on us felt we were too old and of a Race and XXXX that they did not have to provide any customer service. It was evident the agents were not " old white persons '' and didn't want to be bothered and could care less that they were upsetting and inconveniencing us. XXXX would not give my wife a time for the review to be completed. It was evident he thought she was a liar and CROOK! 

We feel we are being targeted due to our age, XXXX and socio-economic status and want our card reactivated immediately. 

We appreciate the fact that this company 's Fraud Department was looking out for us, however, if there system had not had a CLITCH in it, this would not be happening. This was frustrating in itself. And if they are going to investigate fraud, they do not need to be condescending and rude to not only senior citizens, but anyone who are just trying to TELL THE TRUTH.

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 2020-11-21 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: IN

Complaint narrative:
My US Bank debit card was locked the evening of XX/XX/20 due to suspicious activity. This was legitimate activity and I figured would be quick to resolve. I was emailed a number to contact the fraud department to unlock the card. I tried multiple times to contact the fraud department at XXXX but am put on hold and after 30 minutes an automated message states that no fraud specialists are available at this time and ends the call. I called my local US Bank branch and they said they are unable to assist me and I have to go through the fraud department. They said I can't come into the branch to resolve the issue. I have no access to my debit card or any funds as the branches are closed for the weekend. I can't even believe that this is legal.

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 2020-11-21 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: Navient Solutions, LLC.
State: IN

Complaint narrative:
Navient has 2 accounts with me that are paid monthly on time. I just recently got an alert that my balance increased by {$950.00}. It is incorrect as my balance between the two accounts is less than {$1500.00}, but this is affecting my score. My other loans are currently covered through the end of the year. There should be NO MOVEMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Altisource Portfolio Solutions, S.à r.l.
State: CA

Complaint narrative:
Hello, my client and I are having difficulty submitting offer for properties that are being auctioned and sold through XXXX, com due to their restriction of non-acceptance of debit card. XXXX only allows credit card and will not accept debit card and therefore borrowers with good credit scores, adequate and sufficient down payment and qualified for financing and / or cash byer but do not have credit card to post on XXXX are being discriminated against and are precluded from biding on properties being auctioned and sold on their platform ( XXXX ). My client and I have lost out on numerous properties that I sent offers on and were told that my offers will not be reviewed unless we go through their auction portal. I have called XXXX at ( XXXX ) XXXX to see if they could make an exception, but after speaking to one of their supervisor by the name of XXXX XXXX ( Last name initial ) who adamantly reiterated that XXXX will not make the exception to accept debit card. These properties are being marketed on a public platform such as the local mls  and therefor, everyone should be given the opportunity to participate in the purchase of such property most especially if the buyer have the cash to make such purchase or even if it's a loan purchase. There are other online auction platform that accept debit cards, but unfortunately are not the platform for the properties my client is interested in. My client and I have lost our on properties that could have been theirs only to be prevented from participating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: World Acceptance Corporation
State: SC

Complaint narrative:
After numerous attempts to get this fraudulent account removed from my credit report, World Finance refuse to remove this fraudulent account. I want to dispute this fraudulent account under the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: MA

Complaint narrative:
Happy Saturday! - I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

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 2020-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Since XX/XX/2019 I have written letters to Experian Information Solutions Inc. regarding the fact that they are reporting old information regarding me including old addresses and phone numbers, and several incorrect spelling of my name. 

The correct spelling of my name is : XXXX XXXX XXXX The only address that should appear is : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX The only telephone number that should appear is : XXXX Place of Employment : N/A

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 2020-11-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied Collection Services, Inc. (Nevada)
State: MA

Complaint narrative:
Happy Saturday everyone!!! I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

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 2020-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: CA

Complaint narrative:
1. On XX/XX/2020 I called US Bank for 50 minutes when XXXX answered and could not find closed account with all verification. 2. XXXX refused to transfer to a supervisor although asked 5 times. 3. XXXX, mrg of XXXX, closed my account with less than a week notice to get everything. 4. It took 2 hours when went in per XXXX XXXX request. 5. The bank as not sent me statements i requested. 6. Us bank did not process disputes when I put them through. 7. Now they are questioning a dispute although send me no statements and removed online access do I can check and US Bank can STEAL MY MONEY.

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 2020-11-21 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 — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
Good Saturday everyone and the management team ; I'm shocked that this account is still reporting on my credit report as it's still reporting incomplete and unverifiable information. If this account " was '' indeed verified or investigated, why is it still reporting 2 different dates of last active ( XXXX : XX/XX/XXXX ; and XXXX : XX/XX/XXXX ). It's impossible to have those variations between the credit reporting agencies and also, why are their inconsistencies with the payment history. For example, it show 's that the payment was marked " OK '' up to XX/XX/XXXX than all of a sudden on XX/XX/XXXX, it shows that it went into charge off status. Account status and payment history is incorrect just to name a few - It should say late 30/60/90/120/150/180 days late then charge off - Correct? It's imperative under the FCRA guidelines that the creditor or furnisher report accurate information. There are so many inconsistencies, incorrect, and incomplete information that makes this account unverifiable. This is in violation and it can not be reported. Please delete this account immediately from my credit report.

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 2020-11-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MN

Complaint narrative:
I have been waiting over 30 days for a check. I have my doubts that it was ever sent.

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