vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
on XX/XX/2021, i sent TRANSUNION a letter about some inaccurate and old items reporting on my credit report, i have sent the letter off usps certified mail w/tracking # XXXX XXXX XXXX XXXX XXXX and i have not heard from them nor have they delete any of the inaccurate items they are reporting.

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 2021-08-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Oliver Adjustment Co.
State: FL

Complaint narrative:
Today i pulled my credit report and discovered that this company has reported that I owe them a debt. I never received any notification from this company and therefore my rights were violated

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 2021-08-24 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: United Resource Systems, Inc
State: MS

Complaint narrative:
on XX/XX/2021, i sent United Resource Systems Inc a letter about a alleged debt of XXXX that i do not owe. it was sent to this address at XXXX XXXX XXXX XXXX XXXX, CO XXXX ATTN : XXXX XXXX, XXXX XXXX with usps certified mail tracking # XXXX XXXX XXXX XXXX XXXX. i never received anything from them that i requested and i attached a copy below

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CURO Intermediate Holdings
State: LA

Complaint narrative:
I was told that once I paid this debt that it would be deleted from my credit report and I would be sent a letter stating as such. I paid it and it is still reporting and its not fair. I was lied to by one of your reps over the phone and I am so upset about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TCF NATIONAL BANK
State: MN

Complaint narrative:
I had applied for unemployment benefits in Minnesota and had been in a long standing battle to get approved for a long time. At the beginning of XXXX I was finally approved and granted backpay for months which resulted in a handful of deposits amounting to almost {$10000.00}. I was having my social worker help me fill out the direct deposit forms on my unemployment account at the time and unfortunately he somehow managed to mix up mine and other clients banking information. This resulted in almost $ XXXX being deposited into an account at TCF bank that was not mine, after contacting TCF I was told that if the account holders name did not match the name on the direct deposit that they would return the payment to the sender. I waited and waited but it has been 5 months and still the state has not received that money back yet. For some reason TCF is still holding these funds and because Im not the account holder of the account where the funds were deposited TCF will not even speak to me about this matter. 

I wasn't given the exact payment amounts but I know it was maybe 5 or 6 payments totaling almost {$10000.00} a lot of them were sent on XX/XX/XXXX, but not all of them some were on a few days before the XXXX or a few days after. 

The last 4 digits of the account where the funds were deposited were XXXX I dont have the full account number because we are not given access to that information directly on the state website. If you need the full account number to find the payment let me know and i will have to contact the state. But I think it should be more than possible to track the payment with those last 4 ending digits.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: LA

Complaint narrative:
Collector name : ARS Account Resolution Collection amount : {$84.00} This medical collection is reporting to my credit report. I would like to have it removed. I sent a dispute letter to XXXX  credit Bureau to verify and no response. I sent dispute letter on XX/XX/2021 and havent received anything back from creditor or XXXX  credit bureau.

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 2021-08-24 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SMITH, ROUCHON & ASSOCIATES, INC.
State: MS

Complaint narrative:
on XX/XX/2021, i sent letters out to Smith , Rouchon & Associates, Inc about some alleged balances of {$310.00} and {$45.00} that i don't owe. first its a violation of my rights by sharing my medical information with 3rd parties,2nd, its some inaccurate items reporting on my report. i requested information concerning the validity of the debts as well that i have not gotten.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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: CA

Complaint narrative:
On XX/XX/2021 I filed a dispute about incorrect items that are still reporting on my credit report, this company is in violation of the law and need to be held accountable. Please help me with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
Experian is currently not providing a accurate and up-to-date consumer report. As to date the last report is from XX/XX/2021.

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 2021-08-24 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: OR

Complaint narrative:
I filed for Bankruptcy on XX/XX/2018, my Bankruptcy was officially discharged. The Credit Bureaus have not updated my credit reports accurately, as follows : XXXX  is Reporting as follows : XXXX XXXX XXXX # XXXX Balance {$33000.00} - Discharged in my Bankruptcy Trans Union is Reporting as follows : XXXX XXXX  XXXX  # XXXX Balance {$430000.00} - Discharge in my Bankruptcy XXXX  is Reporting as follows : XXXX XXXX XXXX # XXXX Balance {$27000.00} - Discharge in my Bankruptcy XXXX XXXX XXXX  XXXX # XXXX Balance {$430000.00} - Discharge in my Bankruptcy XXXX XXXX XXXX # XXXX Balance {$280.00} - Discharge in my Bankruptcy XXXX XXXX XXXX XXXX  # XXXX Balance {$280.00} - Discharge in my Bankruptcy I've contacted the Creditors and the Credit Bureaus multiple times to remove this incorrect/fraudulent information from my credit reports and the Credit Bureaus have been incompetent to update my credit reports accurately ...

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 2021-08-24 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: EQUIFAX, INC.
State: OR

Complaint narrative:
I filed for Bankruptcy on XX/XX/2018, my Bankruptcy was officially discharged. The Credit Bureaus have not updated my credit reports accurately, as follows : XXXX  is Reporting as follows : XXXX XXXX XXXX # XXXX Balance {$33000.00} - Discharged in my Bankruptcy XXXX XXXX is Reporting as follows : XXXX Bank NA # XXXX Balance {$430000.00} - Discharge in my Bankruptcy Equifax is Reporting as follows : XXXX XXXX  XXXX # XXXX Balance {$27000.00} - Discharge in my Bankruptcy XXXX XXXX XXXX  XXXX # XXXX Balance {$430000.00} - Discharge in my Bankruptcy XXXX  XXXX XXXX # XXXX Balance {$280.00} - Discharge in my Bankruptcy XXXX XXXX XXXX XXXX  # XXXX Balance {$280.00} - Discharge in my Bankruptcy I've contacted the Creditors and the Credit Bureaus multiple times to remove this incorrect/fraudulent information from my credit reports and the Credit Bureaus have been incompetent to update my credit reports accurately ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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: NV

Complaint narrative:
I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, ENGELHARDT V/ GRAVENS ( MO ) 281 SW 715, 719, I MAY PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE AND SUCH DEBT, IN FACT EXISTS/ FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I received two text notifications from XXXX ( XXXX ) XXXX that I sent a person I don't know - XXXX XXXX - {$3500.00} and another {$500.00} to " Total wirless '' using XXXX. I neither initiated or approved either transfer. I immediately started receiving calls that came in from " Bank of America '' and after about 10 minutes felt like the person with whom I was speaking was trying to walk me through steps to ultimately give him access to my account. I hung up. He called back repeatedly. I am now on hold with BofA waiting to speak to an associate. The first person with who I spoke said the person who previously called did not sound like a BofA representative. While I have been on hold I have received multiple texts welcoming me to XXXX XXXX. I don't have a XXXX account and this is clearly some type of breach related directly to 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 2021-08-24 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Aspen Properties Group, LLC
State: MA

Complaint narrative:
On XXXX XXXX I received a notice of mortgagee 's sale of real estate from Aspen Properties Group , LLC via the law firm XXXX XXXX XXXX. The mortgagee 's notice of foreclosure sale is for my property at XXXX XXXX XXXX XXXX, XXXX MA XXXX. The loan was a home equity line of credit that was cancelled by the original bank in XXXX. The HELOC had a maximum draw of {$170000.00} and I never withdraw that amount nevertheless Aspen Properties Group is foreclosing on my property for the entire amount of {$170000.00}. I have reached out to Aspen to prove the correct amount that was withdrawn from the HELOC but to no avail. Aspen has schedule XXXX XXXX as the sales date. This is also a time-barred account per XXXX XXXXXXXX XXXX. Per their payment statement the loan is 4101 days delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
To Whom it may concern on XX/XX/XXXX my Coinbase account was hacked/locked and after numerous emails and phone calls to Coinbase customer Service I have gotten nowhere. 

I was advised by Coinbase to change my password but when attempting to do so the link to reset my password is not coming though to my email. 

For the past 10 days I have been locked out from my account and gotten nothing but Robo- responses from them I had close to XXXX dollars in my account when it was compromised by Coinbase XXXX 

I have had my account for a year or so and just 2 days prior to my account being hacked by Coinbase I had reset my password and access to my account. 

They have been non- responsive and offered no solution, I had saved up the money for my sons first car and now I am not able to purchase a vehicle for him as he will be turning XXXX in a couple of weeks. 

Please contact me if possible

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-24 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: FL

Complaint narrative:
I filed a dispute last XX/XX/2021 with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notification in regards to the investigation results. It has been over 36 days. I files a 30-day demand to comply with the credit bureaus and still have yet to receive any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Amsher Collection Services, Inc.
State: NY

Complaint narrative:
The company name is AMSHER COLLECTION SERVICES and the account was opened on XX/XX/2021. The reported debt is {$140.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I have filed a dispute in regards to the incorrect and inaccurate items on my credit report it has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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: TX

Complaint narrative:
Transunion have been reporting false accounts on my report, therefore tarnishing my reputation. All of the alleged debts are obligated to be paid by the United States pursuant to 18 usc 8. These accounts are not mine to pay, therefore need to be removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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:
I, the consumer, in fact, have a right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ). My privacy is violated by the following companies : XXXX, XXXX, and Equifax. I have informed the consumer reporting agencies XXXX, XXXX, and Equifax by mail of the specific accounts they are continuing to report in violation of 15 USC 1681 ( a ) ( 4 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
CAPITAL ONE BANK has discriminated against me, the natural person / original creditor. Capital One has violated 15 U.S. Code 1691 ( a ) which states It shall be unlawful for any creditor to discriminate against any applicant because the applicant has in good faith exercised any right under this chapter. Any account opened previously in my name was a result of identity theft. I have sent my affidavit of Fact, and identity theft report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX, after reviewing my consumer report, I was made aware that Inquires that do not belong to me are on my consumer report : After Finding, I Do Not Consent To, Authorize, Nor Benefit From Any Of The Following Inquiries. 

I also filed an Ftc Identity Theft Report To Have To Them Blocked & Removed. 

This report has been sent to TransUnion over 30 days ago, and the inquires have not been removed. This information was sent via certified mail along with a green return receipt. An employee of TransUnion accepted my dispute package and signed on XXXX The inquires in question are : XXXX XXXX- XX/XX/XXXX XXXX XXXX/XXXX- XX/XX/XXXX XXXX  XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX US SMALL BUSINESS ADMIN ODA- XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX 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
Consumer complaint received 2021-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Synovus Bank
State: CA

Complaint narrative:
The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's identity Theft Affidavit. Please delete the items as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: CA

Complaint narrative:
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
My account opened on XXXX, after 3 years ask me send in my Drivers license and SSN card and documents for verification, all those copies? all those documents can be required when I am opening a new account may needed, also I dont think giving anybody of my SSN card copies and may documented other then Government department is legally, Instead of last week I verified my account many times throw text messages, phone calls, and go in to the store with my photo ID, my account was back to back locked, This is not for customer account protection, May I know is that happen with every customer account holder? I have just cleared my balance on my account, and Im sorry I dont feel comfortable to sending all those documents to Nordstrom in the mails.please have someone contact to me, I may choose to close my Nordstrom account.

also just checking I did not missing payment, why put a 30days late payment alart on my credit reports on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: HI

Complaint narrative:
Citibank sent my checking account closeout check {$6000.00} via XXXX  to the wrong address and it was fraudulently cashed Citibank sent me the avidavid of forgery and other paperwork which I immediately returned to Citibank with the police report. It has been over a year since Citibank has taken my money. I demand Citibank return my money.

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