vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
On ( XX/XX/2017 / {$640.00} ), CAPITAL ONE BANK added a derogatory mark on my credit report per XXXX XXXX / XXXX /XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. The debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mined. 
According to the FCRA, CAPITAL ONE BANK has violated my rights as a consumer, and I'm requesting legal action to remove this account immediately. 

In addition, the CARES ACT is LAW. ( SEC 4021 ) Any Creditor or Credit Bureau that does not fix any deferred missed payments reported to the credit bureaus are simply choosing to disobey the law and further action on your behalf can result in more issues than a company and/or credit bureau wants to deal with.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: LA

Complaint narrative:
On ( XX/XX/2016 / {$4400.00} ), USAA SAVINGS BANK added a derogatory mark on my credit report per XXXX XXXX, XXXX, XXXX, and XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. The debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mined. 
According to the FCRA, USAA SAVINGS BANK has violated my rights as a consumer, and I'm requesting legal action to remove this account immediately. 

In addition, the CARES ACT is LAW. ( SEC 4021 ) Any Creditor or Credit Bureau that does not fix any deferred missed payments reported to the credit bureaus are simply choosing to disobey the law and further action on your behalf can result in more issues than a company and/or credit bureau wants to deal with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Skrill USA, Inc.
State: FL

Complaint narrative:
PLEASE UNSUBSCRIBE ME! 

you don't have an unsubscribe on your email- i do not wish to receive mail from you, or to have an active account with Skrill! 

thank youXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
I have taken two wheeler loan from XXXX XXXX XXXX XXXX .loan application number is XXXX. My loan has been closed but the company XXXX XXXX is not sending my report to CIBIL. Because of this my CIBIL SCORE has gone down. My CIBIL is showing that the last payment I have made to the lender on XX/XX/2020 but the truth is I have made several payments after that. 
Please have a look attached loan statement.

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 2020-12-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
The lender Bank of America placed insurance of my property and I was never fully explained how it worked. My old policy was somewhere around {$990.00} and Bank of America said that lender placed insurance would be slightly higher than what I could purchase myself but their policy was lower than what I was paying. I thought why shop around since lender placed is lower than what I was paying, I never was explained that lender placed insurance would only cover the structure of the house because that was all Bank of America had interest in. On XX/XX/2020 my truck was stolen while parked on the property of my residence with many of my belongings including many of my childrens XXXX presents. My truck was recovered with none of my belongings in it. Ive tried to file a claim with XXXX insurance company to no avail both for the contents of the truck and the truck as a structure. Which to my unsterdanding a vehicle is an extension of a persons home unless it is occupied. Therefore if insurance doesnt want to cover the contents of the truck they should honor the policy saying the policy covers structure on the property and the policy covers malicious activity and vandalism with {$1000.00} deductible. My truck received just above {$8000.00} damage from when it was stolen. I would be happy to take to a body shop to get an estimate for damages.

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 2020-12-27 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: TX

Complaint narrative:
TransUnion responded with a copy of my standard credit report twice. The first letter is dated XX/XX/2020 and I received it on XX/XX/2020 ; the second letter is dated XX/XX/2020 and I received it on XX/XX/2020. Copies of the first page on each letter is attached herein. Neither letter addresses they reason why they keep lowering my credit score whenever I make a car payment or pay off a loan early. I also want to make note that they sent a letter addressed to my DOG ... a Black Labrador Retriever named XXXX XXXX and that I have printed on my return address labels. A copy of that letter will also be enclosed herein. This is proof that TransUnion employees are not paying any attention to details being sent to them for response and that is unacceptable. Please help 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 2020-12-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XXXX XXXX My sister asked if she can transfer money to another bank account through my account. Because she was unable to do it through her account. We sent XXXX US dollars to an account that was in XXXX XXXX. This was the information given to my sister. 
BANK NAME XXXX XXXX ACCOUNT .NAME XXXX XXXX ACCOUNT NUMBER XXXX ROUTING NUMBER XXXX BANK ADDRESS XXXX XXXX, XXXX , NY XXXX My sister sends me a message on XXXX XXXX telling me she found out that it was actually a scam. 
I bank with Chase Bank. I called immediately about the issue That it was fraud. They simply told me they are not able to retrieve the money that was transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27 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: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
I am requesting the removal of ( 4 ) HARD INQUIRIES, extremely affecting my credit report during COVID-19 Pandemic. 
The dates are ( XX/XX/2020 ), ( XX/XX/2020 ), ( XX/XX/2020 ), and ( XX/XX/2020 ) on XXXX. 

The CARES ACT is LAW. ( SEC 4021 ) Any Creditor or Credit Bureau that does not fix any deferred missed payments reported to the credit bureaus are simply choosing to disobey the law and further action on your behalf can result in more issues than a company and/or credit bureau wants to deal with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am on XXXX and was receiving XXXX every two weeks. I am suppose to get money deposited to my EDD debit card. I should have received one on XX/XX/XXXX, and another XX/XX/XXXX. 
My name is XXXX XXXX. XXXX. Address XXXX XXXX XXXX XXXX, Ca XXXX. 
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 2020-12-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: LA

Complaint narrative:
On ( XX/XX/2015 / {$330.00} ), USAA SAVINGS BANK added a derogatory mark on my credit report per XXXX, XXXX, XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. The debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mined. According to the FCRA, USAA SAVINGS BANK has violated my rights as a consumer, and I'm requesting legal action to remove this account immediately. In addition, the CARES ACT is LAW. ( SEC 4021 ) Any Creditor or Credit Bureau that does not fix any deferred missed payments reported to the credit bureaus are simply choosing to disobey the law and further action on your behalf can result in more issues than a company and/or credit bureau wants to deal with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27 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: GUARDIAN CAPITAL MANAGEMENT HAWAII, LLC
State: HI

Complaint narrative:
On XX/XX/2020, GUARDIAN CAPITAL MAN add a derogatory mark on my credit reports. GUARDIAN CAPITAL MAN did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

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 2020-12-27 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: OH

Complaint narrative:
I submitted a complaint previously and experian did not investigate properly. XXXX is lying and experian does nothing to investigate this. The whole reason they cancelled this is due to their employee making an error so I received a debt cancellation letter from XXXX XXXX XXXX and I was advised they would remove the account from my credit report it was not completed. I previously supplied the debt cancellation notice but it was for the other borrower of the loan and experian didnt feel that was sufficient and they didnt ask me for one they supposedly went to XXXX  and they didnt supply it, when if you receive a 1099c notice for one then that technically goes for the whole loan but I am resubmitting this with the cancellation letter that was sent directly to me. XXXX XXXX should be removed from my credit report they even changed the balance to XXXX but the account should be removed. I will provide documentation where they advised the IRS of the debt cancellation for both holders.

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 2020-12-27 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: HI

Complaint narrative:
On XX/XX/2020, FAIR COLLECTIONS AND OUT 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 FAIR COLLECTIONS AND OUT 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 2020-12-27 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: CA

Complaint narrative:
Transunion decreased my credit score by 106 points on XX/XX/2020 without any specific reason, which, I believe, has no negative factors involved.

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 2020-12-27 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: Portfolio Recovery Associates, LLC
State: HI

Complaint narrative:
On XX/XX/2020, PORTFOLIO RECOVERY 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 PORTFOLIO RECOVERY has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27 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: EOS Holdings, Inc.
State: HI

Complaint narrative:
On XX/XX/2020, EOS CCA 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 EOS CCA has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Despite submitting documentation ( providing proof ) this collection which does not belong to me remains only on Transunion. Its never appeared on any other bureaus report. Transunion, refuses to operate under the policies set forth by the FCRA

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 2020-12-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
Filed ins claim and repairs were made out of my pocket. On XXXX final inspection completed but not updated until XX/XX/XXXX in lakeviews 's system. On XX/XX/XXXX I was promised a supervisor because of the delay, noone ever called me on XX/XX/XXXX I called again and promised a supervisor call, noone ever called me. My insurance check still has not been released. The claim website never gets updated. Today is the XXXX and still no supervisor call or check released They are holding on to my funds.

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 2020-12-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SinglePoint GI
State: FL

Complaint narrative:
This is the XXXX time I've contacted this company about a debt for XXXX. The debt is paid in full and the company is still showing over a {$500.00} balance on all 3 of my credit reports. This needs to be removed and shown as a {$0.00} balance immediately on ALL 3 CREDIT REPORTS!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: OH

Complaint narrative:
I paid off my mortgage with Nationstar Mortgage LLC, dba Mr. Cooper on XX/XX/2020 via wire transfer. There was an overpayment of principle and an escrow account associated with the account totaling almost {$4000.00}. Nationstar acknowledges that the loan is paid off, but will not send back, or even give any helpful guidance, about the disposition of the funds it owes back to me. It is now XX/XX/XXXX, and they are still holding my funds, and refusing to respond to inquiries I've made, in writing and over the phone, for the exact amount they show is owed back to me, and when the funds will be sent. They have said " we don't know '' when asked the amount and I have received XXXX different answers ( from XXXX business days to XXXX business days ) regarding the time line. In this day and age of electronic record keeping, etc, it is not FAIR or REASONABLE that they are holding the funds, and claim to be unable to even provide details on the mater 23 days after accepting the wire transfer payoff.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: NCSPLUS INCORPORATED
State: PA

Complaint narrative:
On XX/XX/XXXX I went to XXXX XXXX XXXX after calling in advance to find out what the cost would be to be seen by a doctor. I was given the cost and paid in XXXX installments. I have been receiving collection notifications in the mail for the visit on XX/XX/XXXX. I have called several time concerning this bill and after several unsuccessful attempts I was told by a manager that I was being billed for being treated by the doctor. I have been told that {$270.00} I paid was for the use of the facility and the collection notification I'm receiving is the cost for a XXXX treating me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
i have a sams club master card issued by Synchrony bank. every month when statement comes in i pay the full amount, Example latest statement with due date XX/XX/XXXXbalance of {$2200.00} as soon as statement came in i paid the full amout they credited my act. XXXX so as of that date i should have the full credit amount to use of {$3800.00} but they put a hold on my act and say i only have like {$600.00} to use. I called the cust. service number and the agent i spoke to has no clue why she had no answer. she agreed with me when i said because i pay in full every month this bank doesnt want to deal with me as im not a asset to the stock holders and they are not making a high interest off of me So there not making it easy for me and trying to discurrage me from wanting to use there 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 2020-12-27 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: KEYCORP
State: IL

Complaint narrative:
I received an unsolicited Illinois Department of Employment Security ( IDES ) prepaid debit card issued by KeyBank. I did not authorize this application. This action is an example of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: KY

Complaint narrative:
On or approximately XX/XX/2020, I sent the company a letter stating how they have failed to provide me a copy of viable evidence, bearing my signature, showing the account is being reported accurately. They have not provided any documentation bearing my signature and it has been over 30 days and I have yet to get a response bearing this information.

Company response to consumer: Closed with explanation