vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: CARD Corporation
State: DE

Complaint narrative:
Well I was XXXX  XX/XX/XXXX too XXXX and all my belongings was at the woman house I was renting a room for and there was transactions on my card the whole time I was XXXX  so I made a police report and made a dispute to the card company and basically they said they couldn't put the funds back on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I requested a deferral in XXXX because of Covid Us bank removed my money from my checking account that month .XXXX.I didn't pay XXXX I missed and XXXX I missed XXXX I sent {$2000.00}. XXXX {$1000.00} XXXX $ XXXX.then I geta statement I owe $ XXXX.I wanted explanation where the {$5000.00} went they said I now owed XXXX and they wanted immediately they will not send me any paper statements and I thought the XXXX could be paid over time with the differal or at the end of the loan they want It immediately and are calling me every day the also canceled the money I had available on my heloc.and are threatening forclosure over {$3900.00}. I can not get answer thats truthful or any way to resolve the issue nor receive a paper statement for my checking and heloc to resolve the issue I've spent over 26 hours on the phone and have been transfered and hung up on and I tried to file a complait with US Bank and they hung up on me .I don'r know if I should file for bankrupcy just to get an honest accounting and a resolution from US BANK.

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 2021-07-28 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: LA

Complaint narrative:
I've been disputing inaccurate accounts with Transunion and XXXX  for over the past year via USPS Certified Mail. While some items were corrected some items still remain inaccurate see attached dispute letter .... These specific accounts XXXX XXXX & XXXX XXXX is recorded in negligence and needs to be removed. I've been disputing this XXXX  account for over a year now with Transunion, this account Re-Ages every month when this collection agency falsely states that this account is verified and shows an inaccurate OPEN account status. This is inaccurate reporting. Transunion remains in non-compliance. XXXX  and XXXX  deleted this XXXX  account because it couldn't be verified. This XXXX  XXXX account needs to be deleted from my credit file ... ... I've been disputing this XXXX XXXX account for over a year now with Transunion and XXXX, each bureau has a different record date of last activity TransUnion Date of Last Activity reports XX/XX/XXXX, XXXX  date of last activity reports XX/XX/XXXX, XXXX  reported previously XX/XX/XXXX, according to the last payment of XX/XX/XXXX that does not coincide with its Date of last activity recorded, which means that the Balance Owed amount and Past Due amount is inaccurate. XXXX  reports a payment pattern to XX/XX/XXXX on a closed account dated XX/XX/XXXX. This account is still inaccurate and Re-Aged which leaves Transunion and XXXX  in violation thereof ... ... Moreover XXXX reported by Transunion and XXXX  have been requested repeatedly to be updated, its last report date has not change since year XXXX, which means this disputed account has not been investigated. On this account Transunion reports an inaccurate Late 120 Days on a {$0.00} Balance Owed account. On this account XXXX  reports a duplicate account with the same account number but with a different record of payment history, XXXX  duplicate account reports a inaccurate Late 60 Days on a {$0.00} Balance Owed account and its 2 year payment history doesn't coincide with the account its duplicate to ... ... XXXX XXXX is another account that XXXX  reports a inaccurate Late 90 Days on a {$0.00} Balance Owed account, its last report date has not change since XX/XX/XXXX, which means this disputed account has not been investigated. This is inaccurate reporting, XXXX & XXXX XXXX needs to be updated immediately ... ... Also my personal history needs to be updated it records an inaccurate name XXXX XXXX this is not my name. Delete XXXX XXXX from my credit file.

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 2021-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Remex, Inc.
State: NY

Complaint narrative:
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that REMEX would verify the debt. So I took it upon myself to ask REMEX for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/2021. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that PORTFOLIO RECOVERY would verify the debt. So I took it upon myself to ask PORTFOLIO RECOVERY for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/2021. Here is the tracking # XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Delivery Financial Services, LLC
State: OK

Complaint narrative:
XX/XX/XXXX : Dr. Visit at XXXX XXXX XXXX Oklahoma. Was told I did not owe anything because insurance ( XXXX XXXX ) would cover. 

XX/XX/XXXX : Received a credit score decrease notification through an XXXX  service my bank provides. Learned my score had decreased 94 points due to being turned into collection agency ( DELIVERY FINANCIAL SER ) for {$120.00} unpaid bill with XXXX XXXX XXXX Oklahoma. 

XX/XX/XXXX : Called by phone XXXX XXXX XXXX and they told me that it was for the Dr. Visit on XX/XX/XXXX. They did not update my address and therefore had the wrong address on file. I paid the {$120.00} over the phone and have received the receipt of payment statement. I never got any phone or email notification from either the ordinal creditor or the collection agency. I was not expecting a bill since they said I owe nothing because insurance would cover. 

Is it possible to have this erased from my credit history? I have never had a late payment. I have no debt. I pay off 100 % of credit card bills twice per month. My score has been over XXXX for years and is now XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I have requested that the charged off credit card no longer be reported on my consumer report. 

Pursuant to 15 USC 1681 ( a ) ( 4 ) : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 

You must comply with my request for privacy by no longer reporting this account and making it accessible in the public domain.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Turner Acceptance Corp.
State: IL

Complaint narrative:
Recently I reviewed on of my credit reports and notice there were some inaccurate, outdated, and fraudulent information that will need to be removed. I am a victim of identity theft and several of the items on my credit report is not mine. I have noticed a social security number that is not mine. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. The Fair Debt Collection Act/ ( O.R.C. 2305.07 ) and ( O.R.C. 1303.16 ( B ) Ohio Debt Collection Statutes of Limitation. I am requesting my name, address and social security number, telephone number updated and remove any other names, addresses and social security number, telephone numbers that does not belong to me. If the account can not be verified, your company must delete the account from my credit report. If you can not show proof that you have verified this debt and continue to list these items on my credit report, I am prepared to sue your company under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capitol one Na passed the debt to XXXX XXXX XXXX I told them I was locked up since XX/XX/XXXX XXXX XXXX XX/XX/XXXX in XXXX county I o I also saw the debt was incurred at a Airport and in XXXX XXXX I have not given anyone the right to use my name or open up anything for my benifit or with my knowledge

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-28 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: LA

Complaint narrative:
Equifax is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
I recently paid off my balance on my account. The account has been closed since XX/XX/2021. I paid the balance off on XX/XX/2021. I received a statement in the mail stating I still had a balance. I called comenity bank and they informed me that I paid off my balance to late because I had finance charges that came after for {$2.00}. I havent gotten any letters or emails up until this point. So because of this outstanding {$2.00} finance charge I now owe {$14.00} because of late fees and more finance charges. I called the company and told them that I am willing to pay the {$2.00} that I owed for the original finance charge, but I am not willing to pay the extra finance charges and late fees because I had no idea this was happening. XXXX the supervisor told me that there was nothing that they could do and it is what it is. I dont understand how I can accrue more interest and charges when my account has been closed and I have had no communication from them other than this statement 3 months later.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: CA

Complaint narrative:
To whom it may concern, I am writing in regards to the collection reports that have been placed on my credit, from the original creditor ( XXXX XXXX XXXX ), the collection agency ( National Credit Systems ), credit bureau companies and whoever else that is claiming rental debt, third party debt collector, and credit bureaus ( data collection agencies ) collectively. 

I strongly believe that the companies mentioned above have also violated the Centers for Disease Control and Prevention ( CDC ) COVID-19 Moratorium and the COVID-19 Tenant Relief Act - SB91 ( Act ), federal law that the state of Michigan also supports. 

Additionally, earlier this year, I had mentioned to the entities/companies ( XXXX XXXX, National Credit Systems collection agency, and the credit bureau companies ) regarding the hardships that I have faced financially and emotionally. However, the companies have continued to bombard and harass me with notifications, payment demands, collection agency letters to my family and I, and credit reports that are still being done to this date. 

Lastly, I understand that CFPB is a regulatory federal agency who assists with fraud and identity theft prevention, as well as financial harm to consumers. I ask for CFPB to monitor and review the complaint entirely throughout the investigation process while forwarding it to the companies. Unfortunately, I strongly believe that my rights have been violated and I ask for these reports to be removed from my credit in a timely manner. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 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: PA

Complaint narrative:
I asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company with police report number and letter that I received from my local police department and a FTC report and my identification card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular American citizens that served this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get justice and I will file a law suit pending the outcome of this complaint. Thanks again

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 2021-07-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
I fell behind on my loan back in XX/XX/2019 due to a messy separation. My income was reduced by half which caused me to default on the loan. My estranged spouse was occupying the property for over a year after we separated and she did not make any payments, which negatively affected my credit. I made several attempts to reinstate the loan but could not afford to do so, and did not qualify for a loan modification based on my income. I am now in the process of a divorce that is eating away at my income the longer that it goes on and I just want to resolve this matter in order to spare my credit as much as possible. The mortgage lender offered me the option of doing a short sale as recently as last month so I have submitted a complete application for a short sale over two weeks ago but the mortgage servicer refuses to review it due to the proximity of the auction date. I have submitted all the documents that they requested of me, as well as a purchase offer. I am trying to work with them to resolve my delinquency but they do not want to seem to help. When I was an XXXX XXXX service member and making plenty of money, I had no problem getting approved for a loan but now that I am struggling financially, I can not get the lender to even review my documents in order to help me out here. Please help me get this resolved, I am trying to rectify the default but the lender refuses to work with me and I do not want to suffer the consequences of a foreclosure on my credit when I have been trying to resolve this for close to a year.

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 2021-07-28 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: DC

Complaint narrative:
I sent a letter previously, asking to reinvestigate the accounts being reported to my file but the bureaus never responded back. It has been over 60 days since then and I have not any response yet. I think I am being taken for granted, being taken advantage of and being ignored of my disputes. 

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly.

I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Army and Air Force Exchange Service
State: ME

Complaint narrative:
While going through XXXX treatments, account defaulted. Account was eventually paid off, while going through treatments. Account is still reporting as a collection account even after paid in full and closed, and I did not receive a final statement of closure.

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 2021-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2021, I was unable to temporarily lift my EQUIFAX security freeze via my landline phone, to apply for one credit card the next day. Their automated system requested a cell number ; I do not have a cell phone. I then spent hours on the phone with Agents in the XXXX. They told me to open an online account ; NOT gon na do that, because of their incompetent and reprehensible service. I then answered Agent questions : Name plus spelled out ; Social Security number ; Address plus spelled out ; Date of birth ; Phone number. I am a retired military spouse ; we have lived in the same home for decades ; no changes. 

First, they said their system was down, and to phone back in a couple of hours. In subsequent calls, I answered the same questions while struggling to understand their geographical accents ( I am hard of hearing ). They no longer use the PIN they generated when I initially placed my freeze, via my landline phone, after they finally made consumers aware of their egregious electronic breach of XXXX XXXX Americans. I was then told they could NOT temporarily lift my freeze, but instead to fax them copies of my Driver License and Social Security card with a cover letter ; I do not have a fax. Lastly, I was instructed to mail the requested documents via U.S. Postal Service from California to Georgia ; then wait three business days after their receipt of my slower coast-to-coast mail, and who knows how long that might take. I requested a Supervisor, but was denied.

The Federal Trade Commission ( FTC ) states, " If you request a freeze online or by phone, the agency must place the freeze within one business day. If you request a lift of the freeze, the agency must lift it within one hour. '' And the EQUIFAX Agent 's reply to that was, " We're a private company. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
Today I spoke with a representative from both Bank Of America and XXXXXXXX XXXX XXXX  about funds that should have been returned to me on XX/XX/2021. The Representative from Bank of America refused to transfer me to a Manager she flat out refused because she determined that my concerns and Finances were none of Bank of Americas concerns even though ID XXXX XXXX ( Associate Lied Directly to me ) and Failed to me ID 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 monetary relief