vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
On XX/XX/XXXX of 2020 two fraudulent transactions totaling {$4700.00} were posted into my checking account which I share with my dad. Each of us have a separate debit cards linked to the same account. I reside in the state of XXXX and my dad resides outside the U.S and have been in possession of his debit card since XXXX of 2020. The fraudulent debit card transaction are from my dad 's debit card from merchants located in XXXX florida, so it's impossible that either of us made the fraudulent purchase in XXXX. The only possible explanation is that the debit card was clonned. I disputed the transactions under claim number XXXX. Bofa initially closed the claim but reopened after I provided ample proof that neither I nor my Dad where in Florida during those dates. I clearly informed the bank that this situation is causing a significant financial hardship to my family and we requested a full reimbursement

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 2021-02-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: FirstPoint Collection Resources
State: VA

Complaint narrative:
I was reviewing my XXXX  credit report and noticed a collection account for some company called Firstpoint Collection. I never received any written correspondence from them alledging I owe this debt of {$40.00}. 

Never received any documentation that I had right to validate the debt. 

FirstPoint Collections Resources did NOT provide me a HIPPA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPPA rights. 

I am demanding them remove this from my account until the debt is properly validated. 

This company has over 100 CFPB complaints for dubious collection activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07 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: FL

Complaint narrative:
There are numerous accounts listed on my credit report that I have no knowledge of. This was a result of malpractice or an error.

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 2021-02-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FISERV FINXACT CORE
State: NJ

Complaint narrative:
Good Afternoon, I was sent numerous letters from TRS Recovery Services , Inc., regarding two alleged transactions that originated with XXXX XXXX : XXXX ( XXXX ) for {$100.00} XXXX ( XXXX ) for {$50.00} The current creditor is listed as " TeleCheck Services , Inc. '' However, at no point has there been outstanding debts with that company. I reviewed my bank statements and my deposits/withdrawals with XXXX, and there are no discrepancies. I spoke with XXXX XXXX, the alleged original creditor, and was told that there were no outstanding debts and that I should ignore this request. 

However, I am still getting letters from this company and would like to report them for fraud and misleading practices. 

Please let me know if I can provide any additional information.

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 2021-02-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANCO POPULAR DE PUERTO RICO
State: FL

Complaint narrative:
Please read this Please read this I have made this complaint twice now and your company keeps blowing me off and saying it is resolved IT IS NOT RESOLVED This has been going on since last year This Banco Popular XXXX XXXX XXXX has not listed my mortgage payments on my bank mortgage account. I have submitted my paperwork prior. I pay EVERY MONTH yet they STILL have not listed my XXXX payments on the account. They will not help me and say to call XXXX XXXX where they hardly speak English and I can not speak XXXX, yet I got the loan at the Banco Pop XXXX XXXX XXXX XXXX They will not mail me my monthly statements and I ask and ask and ask They are lazy and rude there. How can they not mail me my monthly statements They don't keep my credit company monthly payments up to date either I can not get anyone to email me about if my mortgage total is really being paid off correctly

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 2021-02-07 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Information provided incorrectly states that proportion of balances to credit limits is too high on bank revolving and other revolving accounts ; amount owed is too high. 

Each account we have is paid in full each month. This is true for all our accounts with the exception of our home mortgage. That payment is made on time each month.

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 2021-02-07 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: OH

Complaint narrative:
I have a few accounts on my credit report that do not belong to be, I was a college student and didnt take these loans out. An they are effecting my credit score and keeping me from some jobs and buying a home in the future.

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 2021-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: WMC MORTGAGE, LLC
State: MD

Complaint narrative:
i have not recieved one payment or settlement they had control over my email ssn phones i just got acess back

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day ove 60 days later i hve not received a response yet. I feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within30 days givesa reason to immediately remove those items from my credit report it has been over60 days aso they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you causedme. My information was also impated by the XXXX  data breach and may have got into the hands of the wrong person.

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 2021-02-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX SSN : XXXX XXXX DOB : XX/XX/XXXX Trans Union XXXX. XXXX XXXX XXXX XXXX, PA. XXXX Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately.

Name of Account Account Number Provide Physical Verification XXXX CARD XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX Unverified Account * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 
Thank You, 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 2021-02-07 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: SD

Complaint narrative:
I pulled my TransUnion credit report on XX/XX/2020, and noticed that there was a " Regular '' ( hard ) Inquiry that was not made by me. The inquiry was fraudulent ; made by someone trying to open a XXXX account in my name. The account was not approved, luckily. Here is the inquiry, as it appears on my credit report : XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Requested On : XX/XX/2020 Inquiry Type : Individual I filed a dispute with TransUnion asking that the hard inquiry be removed. They responded that I should " contact the creditor directly. '' I called XXXX on XX/XX/2020. They agreed that the credit request was fraudulent, and said they would notify TransUnion that is was fraudulent. 

When I pulled my credit report on XX/XX/2020 to see if it had been removed, I noticed that the hard inquiry was still there. So I called XXXX again on XX/XX/2020. They said they had already notified TransUnion that the hard inquiry was fraudulent ( after I had called on XX/XX/2020 ), but that it takes 60-90 days for the credit bureau to update their information. They also said they would notify all 3 credit bureaus again on that day ( XX/XX/2020 ). 

It has now been over 4 months since I notified both TransUnion AND XXXX. This fraudulent inquiry needs to be removed from my account ASAP, and I shouldn't have to spend so much time getting it fixed.

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 2021-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Hello CFPB Personnel : This is my second time reaching out the same issue Capital One 360 Bank continues to engage in withholding funds when deposits are made from the same employer/company for the past 4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc.
State: TX

Complaint narrative:
I have disputed this bad debt that has been on my file for several years to XXXX and they failed to correct the issue. This account is not mine and I have no knowledge of this account. 

The account in question is Colony/ XXXX XXXX XXXX {$370.00} ( which shows a bad debt on my XXXX  file account # XXXX I have contacted the merchant and they keep telling me that I just have to file a dispute with the credit bureau and they will remove it which Ive done several times and it still stays on my credit file which makes me believe that XXXX XXXX is disregarding my request to remove this bad credit debt from my file. 

I need your help because what Im doing on my end has not seemed to be in my favor and Im just going in circles Im tired of this and I really need this taken off my file, your help is so very much appreciated. 

Thank you XXXX XXXX XXXX XXXX Please feel free to contact me at my XXXX address above or my phone number at any time thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: WAKEFIELD & ASSOCIATES, INC.
State: MI

Complaint narrative:
Regarding account XXXX WAKEFIELD & ASSOCIATES is contacting me at inconvenient times and places. They are contacting me before XXXX XXXX., and after XXXX XXXX. I never agreed to it. These repetitious phone calls have annoyed my family and myself. WAKEFIELD & ASSOCIATES have also used obscene and profane language and threats regarding this debt that is not mine. They are also blocking their number and calling me without telling me who they are. 
In addition, they have also stated that they are an attorney making threats to arrest me, garnish my wages and bank accounts, and sue me. 
WAKEFIELD & ASSOCIATES has also contacted family members of mine more than once trying to collect this fraudulent debt. WAKEFIELD & ASSOCIATES have discussed this account and personal information about this debt harassing others trying to get me to pay this debt. WAKEFIELD & ASSOCIATES fail to respond to my verification letter by certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I sent {$600.00} to my brother through bank of Americas XXXX transfer service to his phone number that is linked to his XXXX XXXX account. The money was placed on hold by Bank of America for around a day. It then said that the transfer was completed. However, he never received the money. He also never received a text or email asking him to accept the transfer. He checked in both his bank app and his XXXX  app to ensure the phone number and account were correct and there was no evidence of any transfer request. I tried sending him a smaller amount to the same number and it completed with no problem. I initiated a dispute through Bank of America after waiting a week at their advice. They said they would look into it. The dispute never showed up in my open disputes menu, so I had to call them every time I wanted to check its status which I did around three times. Eventually I got a letter saying that the dispute was rejected but that they had contacted his bank to continue the investigation on their end. He then called his bank and they said they have not been contacted by Bank of America regarding this matter. They dont have any record of the transfer or the money in relation to his 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 explanation
Consumer complaint received 2021-02-07 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: OH

Complaint narrative:
The accounts listed below are reporting inaccurately on my credit report and it is in violation of Federal Law. I went through bankruptcy and noticed the accounts that were disputed in my bankruptcy are still showing on my report. This is in Violation under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and Section 623 of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. 
I definitely feel this is a negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX The following addresses are not mines please delete/remove them : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX  XXXX, OH XXXX This is my only number XXXX All other telephone numbers are not accurate. 
( XXXX ) XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX 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 2021-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
HELP ME, I AM LOCKED OUT OF MY ACCT!! 

I AM XXXX AND UNABLE TO CALL YOU OR GO TO A BRANCH. 

I have NOT been able to get online or on my phone ( XXXX ) XXXX for all of XXXX It will NOT accept my ssn it says that it exists already? 
We have NO need to communicate, just unlock my account XXXX XXXX XXXX XXXX XXXX XXXXI CAN NOT TALK ON THE PHONE XXXX unlock my account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XX/XX/XXXX Transunion XXXX. XXXX XXXX XXXX, PA XXXX Dear TransUnion I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : Creditor : XXXX XXXX  XXXX  Inquiry Date : XX/XX/XXXX I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below and I have included proof of my social security and current address to avoid any delays in your response time. 

I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XX/XX/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