vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-08 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: VA

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im 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 promtly. I demand these accounts be deleted immediately or i will file for iltigation 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 2021-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK
State: MD

Complaint narrative:
They contacted me and identified the debt amounting to {$200.00} and I never received information to verify and validate the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-08 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: VA

Complaint narrative:
On XX/XX/XXXX a collection account was placed on my credit report from XXXX XXXX and it says the original creditor was XXXX insurance. I have never had any products with XXXX nor have I ever seen or heard of this debt. My report states the collection was assigned to the agency on XX/XX/XXXX, yet it just popped up on my Equifax credit report on XX/XX/XXXX and Ive never received correspondence regarding the debt. I spoke with an agent from XXXX insurance on XX/XX/XXXX and gave her my social security number as well as many other personal identifiers to see if she was able to find any accounts, open or closed, under my name. Nothing was found as Ive never been a customer with them. I then spoke with the collection agency directly on XX/XX/XXXX and the representative on the phone wasnt able to pull up an account in their system with my name, address, or social. Both the collection agency and original creditor say they have no record of me in their systems, yet I have this collection shown on my report. I attempted to reach out to Equifax and they have not been helpful with this. Another thing to mention is under remarks this account states consumer disputes. Reinvestigation in progress. While I do dispute the validity of this account, I have never formally put in a dispute so I dont understand where any of the information theyre reporting is coming from.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
They contacted me and identified the debt amounting to {$170.00} and I never received information to verify and validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08 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: IL

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im 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 promtly. I demand these accounts be deleted immediately or i will file for iltigation 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 2021-05-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
They contacted me and identified the debt amounting to {$310.00} and I never received information to verify and validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08 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: CCS Financial Services, Inc.
State: VA

Complaint narrative:
On XX/XX/XXXX a collection account was placed on my credit report from CCS Collections and it says the original creditor was XXXX insurance. I have never had any products with XXXX nor have I ever seen or heard of this debt. My report states the collection was assigned to the agency on XX/XX/XXXX, yet it just popped up on my XXXX  credit report on XX/XX/XXXX and Ive never received correspondence regarding the debt. I spoke with an agent from XXXX insurance on XX/XX/XXXX and gave her my social security number as well as many other personal identifiers to see if she was able to find any accounts, open or closed, under my name. Nothing was found as Ive never been a customer with them. I then spoke with the collection agency directly on XX/XX/XXXX and the representative on the phone wasnt able to pull up an account in their system with my name, address, or social. Both the collection agency and original creditor say they have no record of me in their systems, yet I have this collection shown on my report. I attempted to reach out to XXXX and they have not been helpful with this. Another thing to mention is under remarks this account states consumer disputes. Reinvestigation in progress. While I do dispute the validity of this account, I have never formally put in a dispute so I dont understand where any of the information theyre reporting is coming from.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
There are items on my credit report that are violations of the Fair Credit Reporting Act that I request to be remove expeditiously for violating my rights as a consumer. There is invasion of my privacy and defamation of my character. No consent id Identity theft!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
Credence Resource Management has not removed fraudulent XX/XX/20 XXXX credit inquiry from my credit report. Since it was not my debt, then I have and had no business with Credence. Also, note that as a result of my communication with Credence ( perhaps in retaliation to my complaint re their collection practices ) that I now receive 100s of spam emails weekly to my gmail account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-08 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: NY

Complaint narrative:
They contacted me and identified the debt amounting to {$740.00} and I never received information to verify and validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LJ Ross Associates
State: MD

Complaint narrative:
They contacted me and identified the debt amounting to {$110.00} and I never received information to verify and validate the debt.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I received a text alert on XX/XX/2021 at XXXX XXXX advising Transunion made an unauthorized charge from my debit card/bank account in the amount of {$24.00}. I immediately contacted Transunion via customer support email and request they refund the money ( since it is not me who is responsible for the transaction ), but they refused and would not respond to anymore of my messages. I didnt purchase anything from those scam artists. My identity was stolen ( XX/XX/2021 ), and I assumed my finances would be safe after I reported my issue do the DOL and several other agencies. Clearly I am still a target. I just want the {$24.00} that TransUnion stole from my account.

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 2021-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
National Credit Systems is reporting a debt that is fraudulent. The company has been provided with a police report and FTC affidavit. I have asked them to send all the proof of said debt. " debt validation " according to the FDCPA. In addition then continued to contact me and hinder my credit without providing the requested information. The original debt company has confirmed Fraud and that I was NOT the person that created the debt. However National credit Systems continues to reporting Bogus information to my credit r When they were to remove, change or validate the debt with the credit bureau .. National Credit systems added {$1.00} to the debt. These practices are unethical and should not be allowed to continue. I have all of the required Fraud documentation. In addition, I was told that I need to provided copies of my governmental IDs. The collections agencies can use anything provided to them to attempt to collect a debt whether it is valid, and or fraud.. WHY would I oblige that request as this is already FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2021 I wrote to Equifax to inform them of an unknown account reporting on my credit report. This account does not have a name and address to identify who the original creditor is on the account. 

On XX/XX/2021 I pulled a new detailed report and the account remains to report to Equifax with out any identification of who the creditor or collectors information. 

XX/XX/2021 I made one last attempt to request this information to be removed from my credit report. 

From my understanding this account is in violation for reporting without the creditor or collectors information as well for continuing to report despite letting Equifax know the account is reporting inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08 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: NY

Complaint narrative:
There are things on my credit report that are violations of the FCRA, and I request that they be removed as soon as possible because they are infringing on my rights as a consumer. My privacy has been invaded, and my reputation has been slandered. With no permission its Identity theft!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XXXX XXXX a charge appeared on my Chase Visa account for {$1400.00} from XXXX XXXX. When I received the statement, I contacted Chase and advised I did not make the purchase. Chase phone number XXXX Chase removed the charge from my account. I thought it was taken care of. 
One my XXXX statement the charge appeared back on my account. I again contacted Chase and they said XXXX said I made the purchase. ( note I never received a call from Chase before it appeared on my card again XXXX The routing number for the purchase from XXXX was XXXX XXXX. It left XXXX facility on XXXX. On XXXX the address was corrected and left at a front door in XXXX, FL no signature required. I live 3 hours away from XXXX. I have tried to contact XXXX to no avail to see who ordered the change of delivery location or where it was delivered, but I could not get a hold of a real live person. 
I called XXXX on XXXX at XXXX, and after waiting 95 minutes a person told me they would refer it to another department. I had also sent XXXX an email on XX/XX/XXXX to XXXX. This person I spoke with found the email and said she forwarded it to that dept. Her name was XXXX. ( Additionally, I contacted XXXX in XXXX and waited 45 minutes before talking to a live person ) this is the customer service department XXXX. 
I also filed a police report with XXXX XXXX Police XXXX. on XXXX. XXXX XXXX took my statement and the case number is XXXX. Phone number XXXX I have told the police dept to prosecute the person that stole my credit card. 
Today I received a letter in my email from Chase saying the they confirmed the transaction was valid. The phone number on the letter is XXXX they are currently closed. I also emailed XXXX today XX/XX/XXXX to see if she sent this after I spoke with her on Friday XX/XX/XXXX. 
I am not sure if this is important but I was in XXXX XXXX Florida on XX/XX/XXXX to the XXXX and used this card at XXXX XXXX XXXX on XXXX in XXXX XXXX and also at XXXX XXXX  of XXXX XXXX XXXX XXXX. 
I will be happy to forward you any documents you need but most have personal information on them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION
State: NY

Complaint narrative:
Simple bank was sold to BBVA and our accounts were transferred to BBVA on XX/XX/XXXX at night. 
We have received letter and explanation about the process. And we as customers could choose if we want to close the account or remain on the new bank. My husband and I have a shared account and we decided to remain with our bank account. 
However, On XX/XX/XXXX I tried to access my account via BBVA mobile app and there is a system error preventing us to access our account. I have called all phone numbers provided from Simple and BBVA, and all messages are the same : we are closed on the weekend, we only have customer services from Monday to Friday. 

Now what I am supposed to do to access my bank account and savings? I have checks out and I need to make sure they were cashed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION
State: NJ

Complaint narrative:
My previous bank Simple Bank has apparently " transitioned '' to BBVA - Process to set up new online access does not work, I can not access my account via automated phone system, no branches near my home, and they " transitioned '' on a day that no phone service is available. Now I am locked out of my account and cant access my funds, nor can I access a person at the bank to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Certegy Holdings, LLC
State: PA

Complaint narrative:
On XX/XX/2021 I made a purchase at my local XXXX XXXX XXXX for {$21.00}. I had forgotten my debit card so I wrote a check from an account I have had for almost 20 years. My check was not authorized by Certegy. I attempted to contact Certegy to find out what was the issue was as I have never had anything like this happen in my life. It is all automated and you can not talk to a customer service rep. I had to order a copy of my consumer file disclosure report which I received by mail. There is nothing on the report that says why my check was declined other then it just did not meet Certegy 's guidelines. There is no reason I should not be able to write a check at a store if I chose too. I have maintained a checking since I was XXXX XXXX XXXX and I now XXXX at the same financial institution. As stated the check that was drawn from a checking account at another financial institution for almost 20 years. I have attached the generic explanation I was given in the Consumer File Disclosure 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 2021-05-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
i am a XXXX veteran and had gotten XXXX XXXX rating about 8 months ago. i am entitled to benifits including waving of fees for a resfinance of my house and property taxes. i also would not have to pay mortgage insurance. i applied for a refinance from my currnet mortgager lakeview loan servicing which handles my loan with loancare. i spoke to a representative named XXXX at lakeview who started y application over the phone i then was contacted by XXXX XXXX in an email and they set up an electronic application never heard or could contact XXXX from lakeview or could ever get a person on their phone system it hangsup on you after entering all your information. I tried to contact XXXX through phone all i got was emails that were frustrating. she would refuse to give me updates and would ask for things i didnt have knowledge of and then would berate me in the emails. It was like she was mad at me for something or didnt want to complete my va loan application i paid for termite report and gave her all documents she requested. i could never get a hold of her or get any answers to my questions. i asked for a supervisor and she never would give me number and their system doesnt allow for clients to file discrimation complaints or even talk to some one. Yesterday after 4 weeks of asking for updates and she would inform me underwriting had the docs she told me they closed the application because i would need to come up with XXXX to close the loan i had agreed to come up with any moneys needed when i spoke to XXXX. she never asked me or told me about the monies before she cancelled my application. I have the money and it apppears she was purposefully trying to keep me from getting loan, I asked her several months in a row not to waste my time if she didnt know how to process a va loan. i believe she discriminated against me because she was mean and nasty in her emails and refused to communicate clearly or would ignore my answers. i have tried to talk to supervisors and she even told me one would contact me and no one ever did. i left messages for XXXX supervisor and XXXX XXXX supervisor and no one has contacted me to even explain what happed. it appears she had not done here job and i am being punished for it by her personally and am asking that someone reivew my application and the process taken i lost my rate guarantee and she said i could reapply with new rate. i would never use this company again for anything unfortunaltyl i do have a choice who serivices my loan and from my research it apperar this compant has many complaints like mine all over. please help me since i am XXXX and have a hard time trying to deal with this situation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08 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: KEYCORP
State: NY

Complaint narrative:
KeyBank blocked my card and sent me a new one. I didn't receive that and I can't login in my account. Latter I finally logged in and I sow unusual transaction in my account. I called to customer service and blocked my card. I told them it was not me. I sent them email and they till now didn't receive. I called them again and made a dispute for those transaction. Yesterday I received a latter, where they answered, - We are unable to credit your account.

Company response to consumer: Closed with monetary relief