vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-24 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: GA

Complaint narrative:
We have had this dispute with XXXX for over a year. We assumed this issue was taken care of because we didn't hear from them anymore. We had an issue with XXXX saying we owed them {$6200.00}. We told them that XXXX which our balance transfer went through had a positive balance of the {$6200.00}. It was a long drawn out process but XXXX finally released that money back to XXXX in XXXX. Now you would think this story is over since XXXX now has that negative balance paid off. It's not. I thought my credit score would have gone back up after paying off that balance. I use XXXX XXXX and there was nothing on there that had XXXX on there anymore. It was like it never existed. Which is what we wanted, but my score remained the same. When I contacted Transunion they told me I have a {$6200.00} balance with XXXX. I said, no, that was paid off in XXXX. They said, no sir, it is on there. XXXX XXXX doesn't show it you need to go directly to us to see it. Now I call XXXX to see what happened now. It's been over a year of phone calls. Well evidently they put me on a, " do not communicate status. '' I am not sure what they even means but the girl on customer service said, we are not to talk to you about this account. I didn't even know what was a thing. So now I am sitting her with this hurting my credit score. I have a company that put me on a do not communicate with this customer. That means they haven't sent an e-mail, a letter, or anything telling me that my account still has a balance. They closed this account. I want this taken off my credit report. I am trying to not have to take legal action again to get this resolved. If that is what they want to do, then they have to let me know. I know one thing, they will not be getting any payments from me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I have contacted Experian multiple times asking for validation of debt by on XXXX XXXX. I have not received validation from XXXX or Experian. Experian continues to post the data, even though it is a clear violation of US HIPPA laws and fair debt collection practices. 

In a previous complaint with the CFPB I request that Experian directly provide the validation as I have not received it from XXXX XXXX, and they did not do so. 

I have asked multiple times of multiple parties involved the following : 1. Justification of the claimed amounts, including itemized invoices and receipts 2. Explanation of how you calculated the amount owed 3. The identity of the original creditor 4. Proof that the Statute of Limitations has not expired on this account. 5. Proof that you are licensed to collect debt in my state. 6. Your license numbers and registration agent, or agent of service. 7. Any and all proof that you are following all HIPPA laws as you are a medical debt collector.

I have yet to receive any of up but Experian resolves the dispute as information stands.

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 2021-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Revenue Cycle Associates, Inc.
State: AZ

Complaint narrative:
XX/XX/2021 the rep called from Revenue cycle associates at XXXX XXXX, Im upset they are harassing me so early in the morning an being rude about it. This needs to stop immediately as they are not allowed to legally call me that early. I want all calls to stop and to only contact me via mail for now on.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I asked Transunion for information on a deleted collection and they said that they do not have the information. I filed a dispute around XX/XX/XXXX for a collection and included police reports for identity theft. The item was deleted on XXXX XXXX, XXXX. The same item deleted was reinserted on XX/XX/XXXX, approximately 44 days after being deleted. TransUnion never sent me a letter informing me of the reinsertation. TransUnion then lowered my FICO score by 121 points. I disputed the collection a second time and it was deleted XX/XX/XXXX. The collection amount in dispute was approximately {$600.00}. 
The dates are approximate since after several phone request, TransUnion representatives keep telling me they no longer have the information available to furnish me. 1 ) Why would they allow a reinsertation 44 days after the deletion. 2 ) Why did they not send me a letter informing of the reinsertation. 3 ) Why did they lower my FICO score for the reinsertation that was reported beyond the response time for the deletion. 4 ) Why did I not get my points back onto my FICO score that they took after the second deletion, when they should have never allowed the information to be reinserted.

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 2021-05-24 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: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX  that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report 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 non-monetary relief
Consumer complaint received 2021-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
Hello, I am still waiting for the company to reply to me. it has been two months now and I have not heard back from coinbase. I have money on the account but it seems, the company does not reply to customers. I am getting frustrated and who knows what might happen next. This lack of customer service to help customers was the same reason why a young investor on XXXX killed himself. These companies need to be held acc ountable. Coinbase is initiating the same pattern of no replying to customers. It is a US company and publicly traded company and needs to be looked into. Thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
I received notification in XX/XX/2021 that a new collections account was added to my report from Phoenix financial. I never got any calls or letters in the mail notifying me about this debt. Approximately 1 week ago, I received a call from someone who claimed to be calling about the debt of XXXX. I told him I had no knowledge of this debt. He began to give me specific information about it including the date of service, the provider, type of service and that it was due to a hospital stay. HE DID NOT CONFIRM MY IDENTITY before divulging this information. He never asked me to confirm my date of birth, or any other identifying information. I then asked him to send me a letter with the details and validate this debt. I never received a letter nor did he notify me of my right to dispute. this is a violation of texas finance code 202b stating that any debt collector has to notify you first and send you a written letter validating the debt upon request. Also you have to allow 30 days, allowing you to dispute any inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AR

Complaint narrative:
I XXXX I discovered that my account was locked. I couldn't log on to the online portal. When I called I was told there was potential fraudulent activity but no clear answer or direction as to what. They also stated that my checking and savings account would be frozen. They were unable to explain why. I'm not sure how they can lock everything with no notice even after attempting to communicate to the security team responsible for locking and unlocking accounts. They won't allow me to talk to that team but instead to talk to customer service. They said it could take up to three business days ( this occurred on Friday ) and I was not offered how to access my funds through the weekend to live.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY

Complaint narrative:
I am a XXXX citizen with a Wells Fargo bank account. I used to own a vacation home which has been sold. I need access to the account to move money and see my bank statements. Wells Fargo introduced an additional layer of security which involves texting a code to a cell phone number. My cell phone number is XXXX, the software they have does not recognise my number. The result of this means I cannoytt see my bank statement nor can I use the account to transfer money. 

I have spent about 10 hours making calls to Wells Fargo and I have now been told that my account will be closed and unless I am able to come to the XXXX I will lose my money. As I am sure you are aware due to Covid restrictions I can not fly to the XXXX. I have attemped to make a formal complaint and thus far I have been ignored

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 2021-05-24 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
My name is XXXX XXXX Creditor is New York & Co. 
Comenity Bank Account Number XXXX XXXX XXXX To whom it may concern, I Have been a customer with New York & Co, for several years I have never missed a payment on my account, due to Covid 19, I received a call from XXXX XXXX asking me if I would like to take advantage of their hard ship program and reduce my payments from XXXX per month to XXXX per month. I agreed. 

However I was never told that while I am in the hardhip program even though I will be making my reduced payments on time, that the company will be debiting from my account each month. I was never told by the company on that phone call that for the first 3 months my account will still be reported as 30 days late for 3 monthe straight to the 3 consumer credit repoting agencies. I would have never ever agreed to that type of arraingement. I have tried to dispute with the credit agencies along with the company Comenity Bank and it has not been satified, I really feel that this is not fair. 
My email is XXXX Company address is XXXX XXXX  XXXX XXXX, Ohio XXXX Attention Customer Support XXXX XXXX XXXX Thank You Very XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Upstart Holdings, Inc.
State: DC

Complaint narrative:
Around XX/XX/2021 I began an online process for an Installment loan with UPstart.com. I was initially led to believe that the loan was forthcoming and had been approved. I was asked to provide additional information to complete the loan process, such retirement income, bank statements and photo-identification identification - which I did. I had several telephone conversations in furtherance of the process and had no indications of any problems. 
Needless to say the loan was initially reduced and then finally disapproved after having conversations suggesting leading me to incur additional debt in anticipation of the funds being approved. I believe that I was purposely mislead and that the company had no intention of making the loan. I believe that the DC zipcode and XXXX  animus were prime factors in the denial of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of XXXX  and XXXX and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have an auto loan at Fifth Third bank XXXX XXXX XXXX, who is claiming that my payments XXXX made via XXXX ) were rejected by my primary bank, XXXX XXXX XXXX  XXXX XXXX XXXX. As such, I have received several NSF fees. According to the rep I spoke with, a different XXXX non XXXX ) account was selected multiple times in a row. This never happened. Never in the years I've made payments have I selected anything other than the intended account. To suggest that I did so several times in a row stretches credulity well past its breaking point. They refuse to do anything about their serious system error, or to correct the erroneous NSFs.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 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: FC HoldCo LLC
State: NC

Complaint narrative:
I have sent certified letters to all 3 Credit Bureaus ( XXXX XXXX, XXXX XXXX in regards to the negative item being reported on my credit report by XXXX Card. I have attempted to have this account removed from my credit report for over 1 year. The letters I have sent have challenged the accuracy of the information being reported on my credit report. I informed all 3 credit reporting agencies of the Inaccurate High Credit Amount, Inaccurate Opening Date, Inaccurate No of Months ( terms ), Inaccurate Date of Last Activity being reported on my credit report by Flagship Credit Acceptance. I am requesting this account be immediately removed from my credit report. This negative information is preventing me obtaining financing for home ownership. 

Thanks.

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 2021-05-24 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: DISCOVER BANK
State: FL

Complaint narrative:
My Credit Score has been decreased due to what I understand is not correct! 
I had an Account with The Discover Credit Card, which was charging me certain money for not using the Card ; which to me was not fair ; and I decided to cancel that service not owing them any money, and they refunded an small amount that was in my account once I toll them that I did not want to have their service any more. 
Due to this Issue, the XXXX XXXX XXXX, lowering my Score in 34 Points, which was not fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I will like for the CFPB and the FTC to see this blanket response from TSI regarding the dispute complaint that I sent them. Unless your office can provide debt validation within 15 days then I want this XXXX deleted from my credit report immediately. The CFPB and the FTC are to protect us from Third-Party debt collectors such as yourself. I attaching the computerized statements that they sent to me and this is NO WHERE debt validation. 

Not surprised from this reply ( enough research proves it ), I am requesting the method of verification for these disputed account ( s ) listed here along with the ( account names and # ). This is within my consumer right and accordance within Fair Credit Reporting Act 611 ( a ) ( 7 ). 

I want to make this perfectly clear that this is a demand for a method of verification where the following items should be provided to ensure the validity of each account reporting. 

TRANSWORLD SYSTEMS INCXXXX if not valid or verified properly, delete immediately. 
TRANSWORLD SYSTEMS INCXXXX XXXX if not valid or verified properly, delete immediately. 

At my demand request, if you are unable to respond in a timely manner and provide the above items, please remove the account ( s ) from my credit report to prevent further damage. If not verified, valid, or compliant, delete each account reporting in violation. 
I demand these items to be provided which would be the name of source or contact, address, phone numbers, date, day, and time when contacted. I would also need type of item, date of first delinquency, date of last payment and if the account is open or account and if it is with the original creditor or a collection agency. Please send all documents with the information above. 

I am anticipating a time response to my request. If you are unable to respond in a timely manner and provide the above items, please remove the account ( s ) from my credit report to prevent further damage. 

Sincerely XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Texas XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF THE WEST
State: CA

Complaint narrative:
Bank of The West refused to close my account even though on the last CFPB complaint they stated it was closed as of XX/XX/XXXX. I will be uploading their response for proof. As of today XX/XX/2021 there has been several ACH payments which have put that account in negative balance. These ACH payments should have never went through if the account was closed like I was told it was on XX/XX/2021.

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