vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX has furnished information to Transunion, XXXX  and XXXX  of an alleged debt. I don't believe either of the 3 bureaus conducted an independent investigation as required by law after I disputed the alleged debt. Instead they each chose to accept a home depot statement as proof when I asked for specific documents validating the alleged debt, including a signed contract. Transunion, XXXX  and XXXX  were each send a request to investigate the account for accuracy and a letter requesting the method of validation after they conducted their investigation. Even after a Estoppel by Silence letter, XXXX has failed to provide proof that I owe the debt to them. They also have not removed the account from my consumer report as also required by being validated.

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 2020-12-18 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
Fifth Third Bank reported my mortgage payment late i have never been late on my mortgage and take pride in paying my mortgage on time and at at time like this fifth third should have reached out to me via phone and by writing a letter 5/3 reported a late payment to my credit which dropped my score 80 points I called 5/3 and was told they never received the payment but how the agent informed me that 5/3 was having payment processing issues which is the reason they waited to take the funds from my account i would lke the negative remark removed from my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Capital One is placing large payments hold on credit card accounts even though payment was already taken out from my XXXX XXXX checking account 2 business days ago. I have never one had returned payment and I never have paid this account late. I feel Capital One is unfairly targeting customers that make large payments and placing holds on purpose to discourage customers from making large payments. I feel Capital One is doing this on purpose to get customers make smaller payments so that the customer can end up paying interest to Capital One. 

I feel Capital One is unfairly targeting customers that make large payments and placing holds on purpose to discourage customers from making large payments. I feel Capital One is doing this on purpose to get customers make smaller payments so that the customer can end up paying interest to Capital One. I want Capital One to stop placing unfair holds. There is no reason for hold especially for a customer that never has had returned payment in years. I also have a XXXX XXXX XXXX account and XXXX XXXX and neither one is placing holds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. Collection Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor name : XXXX XXXX XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) The creditor replied they would remove the disputed item but the bureau is still reporting the information. see the attached letter from XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax claims to have investigate a dispute of a collections I had on my credit report, yet never provided me with information they obtained during the investigation used to substantiate the debt. I have no knowledge of the {$29.00} debt that is alleged on my credit report I owe. 

There is no means to appeal this or offer a statement through their website stating the debt is not mine and their investigation was inaccurate. Equifax appears to walk in lock-step with collections agency, as their investigation or lack of one agreed that the a 4-5 year old date of {$29.00} was correct. 

Had Equifax actually investigated my dispute, they would have obtained proof of the debt I owed and be able to provide it to me. There is no manner in which I can make this request. Instead of being transparent in their investigation, Equifax merely states we conducted investigation, verified the debt and " trust us. '' I do not trust them. Show me the proof that I owe a nearly half decade {$29.00} debt.

The public 's credit is controlled by only three organizations. Their transparency or lack thereof effects peoples ability to buy homes. cars or take out loans and use credit cards. Erroneous information which is then purportedly investigated and found to be valid without proof is a disservice to the public.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: FinCo Services Inc DBA Current
State: MO

Complaint narrative:
I went to the store to buy items. Their machine ent down. They said they couldnt give me items because transaction didnt go thru but it came out of my account. I filed this dispute on XX/XX/2020 and was supposed to get a provisional credit and they have yet to give it to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I paid for membership to experian account XXXX, XXXX. 
The employees procrastinated and stated criminal offensiveness accessorizing to a side or preadvisory by which they uttered a derivative to a result that inflicts to euphoria sensation degrading, and to XXXX slurs which supported their empowering to an offender defrauding my identity while defamtive, and the rep used willful opposition, delay, obstruction to not be a prompt and dire attribute to stop their defrauding by the information they supplied by phone transpire which exposed they possess material information that stages a protocol that chose a fixed outcome that defrauds my valid identity XXXX XXXX XXXX XXXX XX/XX/1980 and that they record data that is aiding the scrimmage they chose for an offender which indicated evidence they are against my identity which is experian fraudulent action as well the impeding to do nothing towards the murderous transpire to a premeditated murder to me by defamative force they devised which they upheld by the offensive willfull utter that is degrading and abusive demeanor and criminal misconduct. Please shut down experian and attribute only 2 credit bearuas since experian operates in lack of bona fide ability, and willfully choose fraudulent murderous crime and robberous violence exposing they are not monitoring anything they pitch that they contracted, and that they do not offer insurance or protection no matter how people feel which is not attributable if they can not recognized the murderous deadline that murders me, as well the inability to supply employee record to reach which employee chose terroristic crime and deragafrauding my true and factual basis only valid identity XXXX XXXX XXXX XXXX american XXXX nationality.

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 2020-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have tried numerous times to get inquiries removed that are not mine or not authorized by me an di keep getting the run around from transunion. I have called all inquiry that show on my report that arent mine and they will still not do anything and transunion will not either.

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 2020-12-18 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: Coinbase, Inc.

Complaint narrative:
I received a message from coinbase saying that they think I logged in from XXXX and they asked for some identification. I provided my documents which shows that I am a XXXX  citizen in the XXXX. They told me that they would review my account within 4/5 business days and they would get back to me. Five days gone and they dont even answer anymore. I read peoples comments with similar issues and I realised my funds could be locked away from me for ages. I hold just less that XXXX XXXX in my account and I have no access to them. The fact that they kept me uninformed is so frustrating and I would like to make an official complaint. Please help if you can. My case number with coinbase is XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 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: Convergent Resources, Inc.
State: FL

Complaint narrative:
On XXXX XXXX, 2020, CONVERGENT OUTSOURCING add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA CONVERGENT OUTSOURCING has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX has furnished information to XXXX, Equifax and XXXX  of an alleged debt. I don't believe either of the 3 bureaus conducted an independent investigation as required by law after I disputed the alleged debt. Instead they each chose to accept a home depot statement as proof when I asked for specific documents validating the alleged debt, including a signed contract. XXXX, Equifax and XXXX  were each send a request to investigate the account for accuracy and a letter requesting the method of validation after they conducted their investigation. Even after a Estoppel by Silence letter, XXXX has failed to provide proof that I owe the debt to them. They also have not removed the account from my consumer report as also required by being validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX has furnished information to XXXX, XXXX  and Experian of an alleged debt. I don't believe either of the 3 bureaus conducted an independent investigation as required by law after I disputed the alleged debt. Instead they each chose to accept a home depot statement as proof when I asked for specific documents validating the alleged debt, including a signed contract. XXXX, XXXX  and Experian were each send a request to investigate the account for accuracy and a letter requesting the method of validation after they conducted their investigation. Even after a Estoppel by Silence letter, XXXX has failed to provide proof that I owe the debt to them. They also have not removed the account from my consumer report as also required by being validated.

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 2020-12-18 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX reported my mortgage payment late i have never been late on my mortgage and take pride in paying my mortgage on time and at at time like this XXXX XXXX should have reached out to me via phone and by writing a letter XXXX reported a late payment to my credit which dropped my score XXXX points I called XXXX and was told they never received the payment but how the agent informed me that XXXX was having payment processing issues which is the reason they waited to take the funds from my account i would lke the negative remark removed from my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have made multiple calls about this throughout the year over 20 calls. I've been told it's being investigated or handled. I hear nothing back, then after a month or two I would receive another paper bill that has the same charges on them. I don't even know the individual amounts because the bills do not include what was charged. 

Now I am being called/threatened daily that the account is about to go into collections and when I call they say they need to verify by mail that's going to take 7-10 business days. 
I've basically been stonewalled for at least 6 months.

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 2020-12-18 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX and please do not change the variation to keep this address remove it FTC violations and FCRA XXXX XXXX XXXX Account charged off. {$1700.00} written off. {$1600.00} past due as of XX/XX/2020. 
( XXXX ) XXXX Public Record

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 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: Rent Recovery Solutions
State: SC

Complaint narrative:
I, XXXX XXXX XXXX, did attempt to resolve this with rent recovery solutions, and they blatantly lied here to the CFPB. I only attempted to have Rent Recovery Solutions send ANOTHER letter to XXXX  because XXXX  said they DID NOT receive the first one. 
I called every week once a week until now, because Rent Recovery Solutions NEVER REPLIED TO VOICE MAIL OR EMAILS. They are the problem now, they are reporting an account that does not belong to me, that is fraudulent and in fact,, Rent Recovery Solutions is BREAKING THE LAW by not getting their account off my credit file. They lied about me, they refused to listen to my issue, they transferred me to XXXX instead of sending another letter to XXXX because XXXX  claims they did not get the first one.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My complaint is againt Equifax. They were supposed to remove negative credit information off of my report although I faxed proof showing I paid the debt. I also faxed my social security card and drivers license like they told me too, but they said they never received it. They said it took 5 days for them to receive the items but done some reason my docs never reached them although I received confirmation from my fax machine. 

In addition, they said there is no way to contact anyone on the " back room '' to see if my fax was received because the manager doesn't have anyone to contact. He also told me he could not give me his supervisors information.

Lastly, they lied and told me they could remove the negative charge in 7 days after they receive my documentation. Now they are telling me its 30 days.

1 ) Equifax misplaced my private identification documents 2 ) Equifax lied about expediting the removal of negative credit information 3 ) Equifax gave me the run around when I tried to get this taken care of

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
Since XXXX I've sent Medical Data Systems four requests for debt validation ... 4! I've attached a copy of the most recent letter, dated XX/XX/20, and proof of fax delivery including the letter sent XXXX. The bureaus did not verify the debt. The collection agency did not validate the debt. There has been more than enough time and I want these two accounts, XXXX, and XXXX deleted!

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 2020-12-18 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
It has been about five months that I applied for unemployment and was supposed to receive a card and I updated my address but Bank of America never seem to get the update after five months and Ive change it on EDD website multiple times but it doesnt change on the Bank of America website. So I am unable to receive my card.

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 2020-12-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Frost-Arnett Company
State: GA

Complaint narrative:
Since XXXX I've sent Frost Arnett four requests for debt validation ... 4! I've attached a copy of the most recent letter, dated XX/XX/20, and proof of fax delivery including the letter sent XXXX. The bureaus did not verify the debt. The collection agency did not validate the debt. There has been more than enough time and I want this account, XXXX deleted!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 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:
I HAVE UNAUTHORIZED INQUIRIES AND AN ACCOUNT THAT IS NOT MINE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: AZ

Complaint narrative:
I reached out to my previous broker I bought my home thru to get me set up with refinancing my home under the IRRRL program. Immediately I saw a {$6500.00} increase to my mortgage in his proposal and the interest rate was higher than his competitors interest rate of 1.98 %. I wasnt sure who is getting this money whether it was my broker or if it was the company that they reached out to you to fund the loan. After contacting freedom mortage the company XXXX XXXX reached out to I was informed by XXXX XXXX that I didnt have to pay those fees to get the IRRRL through FREEDOM MORTAGE. I was so happy I made the call to freedom. I was told that I needed to have my original broker withdraw my paperwork for loan so that I could go directly to freedom and save the {$6500.00} that I was being charged. After contacting XXXX XXXX XXXX and telling him and insisting he close my paperwork out. He said he did close out my paperwork. On the XXXX day I called with XXXX XXXX my rep from freedom Mortgage. XXXX XXXX insisted I put everything in an email. I believe XXXX XXXX will continue to push my credit score down I have gone from what he said was a good score of XXXX to XXXX in the short time I began this Refi. 
I also believe freedom will not go against XXXX XXXX for I am no one and he is a broker. I will never get the best rate available.

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