vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-12 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: MN

Complaint narrative:
I never ever applied for any loan with XXXX and I have a cyberstalker and many times I try to report him to FTC and he puts something so ex date, or other info doesnt show up and a week ago I got email about loan being turned down. Files are on a freeze and I never applied for one. So cyberstalker is in all devices and there are hidden wi fi in my house. Plus I know him from 5 yrs ago so he has hacked even medical and local police sent me to Mn Attorney General who got them paid. I am XXXX with little resources so if I could stop anything I would appreciate it. For more than two years I tried to get the error of my mortgage off my credit files I do have one and at least you helped me get the XXXX XXXX to let me assume the mortgage. However XXXX  says their info still stands - it is an error as the account number is incorrect and sorry for adding this but XXXX is so difficult to deal with they refuse to listen to you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax website will not take my information. I have verified myself several times in calling them, and they tell me they will fix it but the phone continues to hang up. they transfer me and I have to verify myself again, still no luck. They tell me to call back the website is experiencing issues but still no help. ticket number XXXX on the phone with help desk, I've uploaded my documents to them but no luck as of today. I'm afraid they are giving me the run around and not helping me as the customer. NOTHING IS WORKING. It has been 6 months. you guys closed my complaint, with a response telling me to register on the website. but no luck. I'M STILL GETTING ERROR CODE " NH '' CALL CUSTOMER CARE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Zieg Law Group, LLC
State: TN

Complaint narrative:
Zieg Law Group contacted me XX/XX/XXXX stated I owed a student debt in the amount of {$1000.00} and I needed to make a payment. Iasked for what, they said I had student loan debt with XXXX XXXX. I let them know I never received anything in the mail, or neither had I been contacted before about the debt. I updated my address and I also made sure to ask them to send me the information in the mail. I said I could only pay {$50.00} but they said it needed to be {$100.00}, so I was paying on it for three months. I was trying to figure out how much I owe since I have made 3 payments of XXXX. Dates : XX/XX/2021, {$100.00}, XX/XX/2021, {$100.00}, XX/XX/2021 {$100.00}. I had also still had not received any information on the debt. I contacted the company today and they said they sent it to my old address, and didnt have the new address, I said I called and updated it and the gentleman said oh yes we have it, we still sent it to the old address. I have never received any information on the debt owed, the terms, or the amount. I have asked them so stop taking the payments until I received the information. I was told that I would have to deal with it a lot harder now. I have been paying but I have no idea what it is even for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I disputed items on Experian report over the last few months. 
Since I started disputing items they have refused to correct items on my credit report and now I cant access my report anywhere! 
They actually moved all addresses from my report since I provided documents to update my address to the correct address. 

I also tried to serve Experian since I am also pursuing legal action and XXXX issued a letter stating they can not forward the letter.

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 2021-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
I've tried reporting this issue to US Bank 's Fraud Liaison Department but no one would forward my call to a higher authority - I've even reported this to the CFPB & have had e-mails bounce back from the US Banks 's support e-mail address. I need a supervisor to contact me regarding reporting fraudulent activity internally at US Bank ( recipient bank, XXXX XXXX XXXX account holder ) as soon as possible. I am a customer of XXXX XXXX  with fraudulent activity to report to US Bank which is shown below yet US Bank is not taking this information seriously to report to their executives. 

I've reported this money wiring/job scam to the local authorities ( XXXX Police Department ), FTC, FBI ( IC3 ), XXXX Police, XXXX XXXX XXXX Police, XXXX XXXX, XXXX, as well as attempting to contact US Bank to have this issue reported internally but no one would take down my information or have my calls transferred to speak to higher personnel at US Bank at all ; I've also tried contacting the Fraud Liaison Department as well at XXXX. Below is a fraudulent account holder at US Bank that has scammed me out of {$2600.00} in which my bank has tried to issue a SWIFT recall to US Bank - no refund has been issued. Fraudulent US Bank account holder, XXXX XXXX XXXX, is posing to work for XXXX XXXX to issue out a Traveler 's Insurance Policy to the XXXX under XXXX XXXX XXXX XXXX XXXX, along with a MrXXXX XXXX XXXX at XXXX. Please see below. 

XXXX Attachments Wed, XX/XX/2020, XXXX XXXX  to me Attention, Based on the urgency of your Application and to serve our customers betters and avoid delays in providing fast track services to our customers, we have mandated you to make Payment via our Agents in region USA so Certificate can be issued on confirmation of payment within 24hrs from Date of payment Premium for Plan B is XXXX XXXX pounds sterling equivalent exchange rate of {$2600.00} USA Dollars. Kindly note Payment for any Premium Plan must be paid in full to enable swift issuance of Certificate Contact your Financial Banking Institution in your region USA and notify your Bank to make Bank Transfer Payment payable to our Agent in region USA via Account Details Below : Account Name : XXXX XXXX XXXX Account Number : XXXX Routing Number : XXXX Bank Name : US BANK Bank Address : XXXX XXXX  XXXX XXXX OREGON XXXX USA Beneficiary Address : XXXX XXXX XXXX XXXX XXXX OREGON XXXX USA Kindly send us the transfer payment receipt once funds have been deposited to enable us issue your certificate swiftly Yours truly, Mrs XXXX XXXX, Account Manager 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 2021-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-12 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 — Investigation took more than 30 days
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
The lawyer put a lien on my home and its stopping me from sale it. I called speedy cash and the state that they dont know who this is. The only people that can collect is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 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: MN

Complaint narrative:
On XXXX. XXXX, XXXX, XXXX XXXX XXXX add a derogatory mark on my TransUnion credit report. Upon further research, this account was paid in full and I am no longer responsible for it. I do not have this account on my other credit reports. So I am requesting TransUnion to remove this inaccuracy 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 explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
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 non-monetary relief
Consumer complaint received 2021-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I sent a debt validation to Capital One on XX/XX/2021 which they received on XX/XX/2021 at XXXX. Pursuant to 15 USC 1692g they failed to provide me the five things that constitute validating a debt. 

Additionally, I sent Capital One an Affidavit of Truth along with exhibits and a Cease and Desist Letter on on XX/XX/2021, which they received on XX/XX/2021 at XXXX XXXX  and they continue to harass me via email telling me that I owe this alleged debt which is a violation of 15 USC 1692c

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 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: Synovus Bank
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 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 response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
To Whom it may Concern, I have tried to work to resolve a charged off Credit Card originally held by Capitol One Bank. In XXXX I was laid off my job which required me to make tough decisions. I have successfully resolved debt issue with all creditors, except XXXX XXXX XXXX. 

Today, XX/XX/XXXX I call the company on XXXX and was disrespected by their staff, the intake workers denied my request to speak with a decision maker who could help me resolve this debt at a more favorable rate. I was offered to a settlement of a Credit card with an original balance of {$1000.00} currently valued at {$2000.00} by XXXX XXXX XXXX for {$1800.00}. I rejected the offer as the amount of the debt has fees and other balloon charges on an account that is currently reported unfavorably on my credit reports for over 5years.

I made an offer to pay {$600.00} and absorb any reasonable deficient balance as income chargeable to me on form 1099-C. I made this clear to the agents and I was told this was not an option. I made the agent that I was aware that he may not be able to approve the request and to transfer me to the department that can so this debit can be resolved today. He transferred the call to another frontline worker, who was rude and argumentative. I asked him to provide the internal complaint number or email and he refused to assist me with requested information. He Identified himself as XXXX and the only decision maker I can speak to. I made him aware that by his lack of engagement displayed behaviors that would not be found in leadership to transfer the call. I was deny and disconnected the call. 

.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 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: TRUIST FINANCIAL CORPORATION
State: WV

Complaint narrative:
I shared a depository account ( BB & T ) with a girlfriend. After we broke up, I closed out our joint account. At that time, there were no pending or outstanding checks. 

Unbeknownst to me, my ex-girlfriend wrote a small check for {$14.00}. Since the closed account had no funds in it, BB & T Bank covered the check with overdraft protection. The date of the check was XX/XX/20. BB & T should NOT have funded a closed account with the overdraft protection. They should have notified me, or my ex-girlfriend. Since the account was closed, and I had already moved to another state, I was not receiving bank statements, or ANY other correspondent from BB & T. I later learned from BB & T, they made no attempt to contact me about the matter. My cell number was still valid. 

BB & T proceeded to charge me interest and late fees, despite the fact they funded a closed account and never attempted to contact me. When I finally received a call in XXXX, I immediately paid the total outstanding amount owed of {$45.00}. BB & T has reported a 60 late on my account, which has dropped my credit scores over 100 points. This has prevented me from refinancing my veterans administration ( VA ) mortgage. Other than their negative credit rating, my credit was excellent with credit scores in the upper 700 's to low 800 's. I tried to have them remove the late charge, but they refused and suggested I contact the credit bureaus and dispute it. They are the creditor and I was disputing it directly to them. My new loan officer tried to have them remove it, and he was also denied. My account number was XXXX BB & T knew the account was closed and should have picked up the phone to call me. Had they done so, I would have immediately covered the charge. Instead, they ignored it, which was to their financial benefit. To make matters worse, they destroyed my excellent credit rating by reporting me 60 days late to the credit bureaus. Each time I contact them, I'm told, " there's nothing we can do. '' They are the creditor and they can remove the 60 day late from my credit profile, which would restore my credit rating. Even with my numerous deployments to war zones, I was never late on any obligation. Now, my great credit rating was damaged, because BB & T was too XXXX to pick up the phone. Is this the way BB & T treats XXXX vets??

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I opened a Venmo Account a few years back. I forgot I had the account and get a email reminding me on XX/XX/2021. I went in to check my account but it would not allow me to logon. I contact Venmo and explain I could not log on with my email, phone number or password. My phone number changed because I bought a new phone. Venmo sent different ways to try and get in but nothing worked, I am still locked out of my account. I made a new account and locked out of it and Venmo ask for ID I sent a copy of my social Security Card and Drivers License. I have tried to change the password but it ask for the old phone number to send a code I no longer have my old phone. I have money in my account and I can not retrieve the money. I have tried to wait on Venmo to continue to work with me on my account. Venmo went away and never came back.

Company response to consumer: Closed with non-monetary relief