vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Dear Sir/Madam, Social Security Last 4 of social- XXXX DOB- XXXX XXXX XXXX XXXX Dear Sir/Madam ( XXXX  ) I sent you a letter requesting you to remove inaccurate information from my credit report. The three credit bureaus are reporting inaccurate information and I am asking for immediate deletion of this on my credit report, due to inaccurate information. I am also considering to sue you and notify the Federal Trade Commission of your violation of federal law. 

The 3 credit bureaus are reporting different dates of when this account was opened. Transunion is reporting that it was opened on XXXX, and XXXX and XXXX have that it was opened on XXXX. Also, the payment status are saying that it was a collection/chargeoff on XXXX, and Transunion and XXXX  are reporting that the payment status is unknown. Also, under the date last active, Transunion has that it was last active on XXXX, XXXX has that it was last active on XXXX, and XXXX has that it was last active on XXXX. This is all inaccurate information being reported by the credit bureaus.

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 2021-02-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: NY

Complaint narrative:
I was told during the pandemic that loan payments were suspended until XX/XX/2021. This is listed on Nelnet 's website. However, Nelnet reported my account late to the credit bureaus causing significant damage to my credit. I am on social security XXXX and recently overpaid in XX/XX/2021. I have never been late on my bills. I called Nelnet in XXXX and was told they can not remove the negative reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
This is what they do to there customers over a disputed charge? XXXX XXXX and 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 non-monetary relief
Consumer complaint received 2021-02-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: California Business Bureau, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I pull my credit report and found out that CALIFORNIA BUSINESS BUREAU : ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX. I am filing this complaint against them for non-compliance violations. I wrote them a letter of validation on XX/XX/XXXX certified mail with return receipt. They received on XX/XX/XXXX and reply on XX/XX/XXXX. This company has violated Federal , State, FCRA and FDCPA by reporting invalidated information which might constitute as fraud. You have not only violated federal and state laws, but you have also failed to provide me with copy of any viable evidence, bearing my signature, showing the account is being reported accurately. The following non-compliance violations:1 ) They show no proof that they have an agreement with the original creditor to collect this alleged debt. 2 ) They have no copy of a signed contract where I allegedly agreed to pay the charges. 3 ) The medical bill reveals personal medical information about me. ( This is violation HIPAA- HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ), rules prohibit disclosing my individual 's protected health information unless you specifically authorized them to. 4 ) Creditor is reporting history inaccurately such as last date reported and last activity dates are all wrong : The case US Court of Appeals, Ninth Circuit, No. 00-15946, Nelson vs. Chase Manhattan. This defamation and causing me financial injury. The fine extent of damages incurred by the wronged party as deemed by the court. 5 ) Collection agencies " Re-Age '' by reporting the date of last activity instead of the date of the first delinquency. 6 ) Collection Agency, has not validated my debt and they are still continue to report to the credit bureaus. Consumer protection afforded by the FDCPA Sec. 809 ( b ) FTC opinion letter Cass from LeFevre fines. Be aware that I am making a final goodwill attempt to have you clear up this matter by removing this item from my credit report. I am maintaining a careful record of my communication. I further remind you and the credit bureaus as in Wenger v. Trans Union Corp., No.95-6445 ( C.D.Cal. XX/XX/XXXX) you may be liable for your willful non-compliance. This matter is harmful to me especially doing this COVID-19 pandemic please delete immediately.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: USCB, Inc.
State: CA

Complaint narrative:
USCB America has called me multiple times per day from multiple 855 area code phone numbers. If I answer, I get a robocaller message. If I don't I get the same automated message with the only option to call some 800 number. I actively monitor my credit report and owe no debt that is in arrears. I would like this harrasment to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Santander Consumer USA Holdings Inc.
State: MD

Complaint narrative:
XXXX car dealership had me to sign a document that what I was told it for. I was told that the form was to be take the car off the lot. The sale person found out I was a XXXX and kept talking to ne getting me distracted. He also said he had to take my driver license and take picture to take car off lot. I did what I was asked to and now I suffered..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX car dealership had me to sign a document that what I was told it for. I was told that the form was to be take the car off the lot. The sale person found out I was a XXXX and kept talking to ne getting me distracted. He also said he had to take my driver license and take picture to take car off lot. I did what I was asked to and now I suffered..

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 2021-02-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I have the XXXX XXXX card issued by TD Bank. I had an expiring deferred interest plan expiring on XX/XX/XXXX for {$120.00}. I made a payment in this amount exactly on {$120.00} to avoid deferred interest. TD did not apply this payment to the plan and instead applied across my balances. I tried multiple times to call them and their hold times were extended due to COVID. I finally spoke to an agent on XX/XX/XXXX and she told me she was not able to resolve the problem and redirect the payment because it had been more than 60 days since the payment was made. 

This is a billing error and TD should be able to resolve this regardless of when i notify them. Terrible service

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc.
State: IN

Complaint narrative:
I signed up for a crypto account with Binance.US, transferred about $ XXXX crypto coins to the account on XX/XX/21 from another crypto exchange wallet and began trading. I deposited {$760.00} and then another {$10.00} from my bank account on XX/XX/21 to purchase additional assets. I made a final deposit of {$600.00} from my bank and purchased more crypto on XX/XX/21. I received an email on XX/XX/21 stating that the {$600.00} deposit had failed. Im still unsure why my bank declined the transaction, but thats a separate issue. The issue here is that my entire account has been locked into those crypto coins I had purchased on XX/XX/21 with now way to close my position. This is not just the crypto purchased with the failed {$600.00} deposit, its the whole account. I only deposited {$1300.00} from my bank, but Binance.US has locked the whole $ XXXX in total deposits including the crypto I transferred from XXXX and XXXX accounts to my Binance.US wallet as well. That money has nothing to do with the {$600.00} deposit in question. My account has since fallen from a peak of about $ XXXX to less than my initial $ XXXX investment in the 4 weeks my account has been locked and there is nothing I can do. Trouble ticket has been in for 4 weeks with no response. ( They tell you following up on trouble tickets automatically move you to the end of the line ) XXXX and DMs to the Binance.US Support account have gone unanswered and instead of offering support, the official Binance.US XXXX account blocked me and reported me as spam ( temporary locking my twitter account ) as retribution repeatedly asking for support on their page. I am not the inly person they blocked for this. Binance.US does not appear to be able to fulfill the support obligations that come with accepting and holding a customers money, and they are forcing losses on customers because of their inability to answer/resolve support tickets. Even worse, they dont seem to care that their action are costing customers a great deal of money. This is not the action of a legitimate company. At this point I have to conclude that they are a scam. They are not only willfully refusing to employee enough people to meet support obligations, in blocking my ability to publicly ask them for assistance on their XXXX page they are deliberately choosing to ignore my please and force losses on my account instead of helping resolve the issue. This company should not be allowed to handle money in the United States.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 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: CA

Complaint narrative:
I have requested they provide proof that these items belong to me and no such proof was provided they are in multiple violations of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame. They have also failed to provide any proof of ownership for accounts circled in attached report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
SYNCB/XXXX  is claiming an account on my credit that is not mine. The account number is XXXX, this account was opened on XX/XX/2018

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 2021-02-25 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: CO

Complaint narrative:
CAPITAL ONE is claiming an account on my credit that is not mine. The account number is XXXX, this account was opened on XX/XX/2013

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX {$2100.00} ITS ALL THREE OF MY REPORT XXXX, XXXX, XXXX. ISENT A DEMAND LETTER TO VALIDATE THAT THIS ACCOUNT BELONGS TO ME. THEY SENT ME A BILL ONLY I REQUESTED SOMETHING THAT WAS SIGNED BY 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 2021-02-25 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.
State: TN

Complaint narrative:
On XX/XX/2021 I submitted a dispute to the 3 credit bureaus. They have yet to respond to my complaint. I need in written if they were able to verify the accurate of the accounts in my dispute. I need to know the following informations. 

How did you verify these inaccurate accounts? 

Did you talk to the court and if you did who did you talk with at the court? 

Were you required to pay a fee to obtain the bankruptcy papers? 

Can you provide me with the contact number and name of the person you talked to?

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 2021-02-25 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: TX

Complaint narrative:
My main complaint is with the 3 major credit bureaus. I am requesting for President Biden to transfer all of the Americans credit ratings from XXXX, Experian and XXXX to a more fairly used public registry that gives us all a fair game to the system, and I mean all minorities as well, and it should all be sent to you all the Consumer Financial Protection Bureau. I feel their system of running the people 's credit as rigged to advance only a select few and not anyone else that tries to get ahead as well in this country.

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 2021-02-25 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: SC

Complaint narrative:
In XXXX of 2019 XXXX removed a charged off account from XXXX XXXX in the amount of {$19000.00} because the company couldn't validate the debt as mine. I have since tried to remove the account again because it showed back up on my credit profile two months later with a different account number and the charged off amount being a dollar less ( {$19000.00} ). I have reached out to XXXX XXXX again asking them to provide me with the information used to validate the account and they keep sending me a paper to fill out my information and sign. They have not validated the information with me but XXXX and equifax keep saying the account is valid and when I ask for the method of verification, they do not respond. They also have my grandfather as the authorized signer and he is diagnosed with XXXX. They have reached out and contacted him and I am afraid they are taking advantage of his mental state

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
In XXXX of 2019 Experian removed a charged off account from XXXX XXXX in the amount of {$19000.00} because the company couldn't validate the debt as mine. I have since tried to remove the account again because it showed back up on my credit profile two months later with a different account number and the charged off amount being a dollar less ( {$19000.00} ). I have reached out to XXXX XXXX again asking them to provide me with the information used to validate the account and they keep sending me a paper to fill out my information and sign. They have not validated the information with me but experian and XXXX keep saying the account is valid and when I ask for the method of verification, they do not respond. They also have my grandfather as the authorized signer and he is diagnosed with XXXX. They have reached out and contacted him and I am afraid they are taking advantage of his mental state

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 2021-02-25 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: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Information on my credit is incorrect and due to the incorrect information my credit score dropped 149 points. The incorrect information is ; there was a Transition of mortgage companies, from XXXX XXXX, Loan number XXXX to XXXX XXXX XXXX, Loan number XXXX. This was never a late payment, just a Transition Account. Will nee to correct XXXX XXXX  XXXX, not as Account closed but as a Account Transition and must not show a not current payment status. Balance was paid in full every month. 
Contact information ( XXXX ) XXXX. The Accuracy for this account is incorrect, it has incorrect information on my credit report. This effect my payment history/rating making it incorrect. The information in the Remarks field is incorrect. 

Also, There was an incorrect charge of {$3100.00} added to my Wells Fargo account, account number XXXX. This incorrect charge also caused my credit score to drop 149 points. This charge should never have been on my credit report, however now that the company has removed the charge from my credit report, my credit score has not recovered to the original +149 points. Contact Information ( XXXX ) XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: OH

Complaint narrative:
National credit adjusters LLC I seen this debt on my credit report so I contacted them on XX/XX/XXXX spoke with representative and asked to settle this account for 50 % of {$450.00}. She replied saying she would check with manager, I was placed on hold when she returned her reply was with instructions to email her manager with this agreement, I did this was XXXX when I sent email. I received response back stating I must have payment in office by no later than XX/XX/21 or the agreement would be void and do I agree. I sent email back stating I dont agree I need time and me reaching out to them on my own free will was to see if they would even accept my offer to pay 50 % of debt and thought after they accepted we could work out a time and date frame too when they could expect payment. Which in email I stated before or by XX/XX/XXXX the latest. I also reminded the manager we are in the middle of major pandemic. 

People have lost jobs and some have had hours cut, I fall in that category as a front line worker I would think they would be respectful and pleased that someone is taking some responsibility to try and settle their debt. Companies of this sort are purposely holding people back keeping them from being able to move forward. I feel there response was a passive aggressive response and it make me think how many others they are treating this way using this bully tactic.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My main complaint is with the 3 major credit bureaus. I am requesting for President Biden to transfer all of the Americans credit ratings from XXXX, XXXX and TransUnion to a more fairly used public registry that gives us all a fair game to the system, and I mean all minorities as well, and it should all be sent to you all the Consumer Financial Protection Bureau. I feel their system of running the people 's credit as rigged to advance only a select few and not anyone else that tries to get ahead as well in this country.

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 2021-02-25 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: EQUIFAX, INC.
State: TX

Complaint narrative:
My main complaint is with the 3 major credit bureaus. I am requesting for President Biden to transfer all of the Americans credit ratings from Equifax, XXXX and XXXX to a more fairly used public registry that gives us all a fair game to the system, and I mean all minorities as well, and it should all be sent to you all the Consumer Financial Protection Bureau. I feel their system of running the people 's credit as rigged to advance only a select few and not anyone else that tries to get ahead as well in this country.

Company response to consumer: Closed with explanation