vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-26 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Unverifiable accounts on my credit report with experian

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 2020-06-26 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: VW Credit
State: NJ

Complaint narrative:
Myself and my husband turned in two leased vehicles into XXXX XXXX of XXXX on XX/XX/2020 and leased two new vehicles. Unfortunately, the process has been anything but smooth for us. We negotiated online and over the phone for vehicles that were not available when they arrived at the dealership. We were told that the General Manager who negotiated the deal with them no longer worked at the dealership and we were forced to select different vehicles. We specifically gave authorization for the dealership to run one credit inquiry for the purpose of the lease, but three hard inquiries were made two on XX/XX/XXXX and another on XX/XX/XXXX ( two weeks after we drove off and finalized our lease deal ). After leasing the new cars, the dealership called to inform us that they filled out the paperwork incorrectly and needed us to sign new paperwork. At the request of the dealership, we arrived at the dealership to sign new paperwork on XX/XX/XXXX, but were told the paperwork was not yet done correctly and were sent home. 

On XX/XX/XXXX, a representative from the dealership arrived at our home to have us sign new paperwork which was dated XX/XX/XXXX. ( Our original lease date ). 

Then on XX/XX/2020, Volkswagen contacts us seeking payment for the old leases that had been turned in since the dealership never effectuated the payoff of these leases as negotiated in the deal. Repeatedly, throughout this process, I spoke with several people about the additional unauthorized hard credit inquiries that had been run and was promised again and again that the dealership would rectify the issue with the credit bureaus. I spoke with XXXX, the General Manager, XXXX from finance and ultimately XXXX XXXX who was assigned to resolve the issue after I contacted corporate about the slew of issues he was facing at this dealership. 

Still, to date, no one has corrected the issue with the credit bureaus and our credit remains negatively impacted. Moreover, XXXX XXXX offered us a check for {$1300.00} as compensation for our troubles throughout this process, but when I asked for a copy of the release I was required to sign so that I could have counsel review same, she suddenly advised she could no longer assist me and advised that I should have my attorney contact The VP. 

My attorney sent two letters to the VP letting him know they violated the Fair Credit Reporting Act and he has refused to respond.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-26 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: GA

Complaint narrative:
Unverifiable accounts on my credit report with 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 2020-06-26 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: GA

Complaint narrative:
Unverifiable accounts on my credit report with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 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: GA

Complaint narrative:
SOMEONE STOLE MY ID ND MY SOCIAL SECURITY NUMBER AND USED IT TO OBTAIN A CAR AND TO SIGN UP FOR SCHOOL I DID NO GIVE ANYONE PERMISSION TO USE MY INFORMATION NOR WAS I AWARE OF THESE ACCOUNTS I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRAS. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 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: GA

Complaint narrative:
SOMEONE STOLE MY ID ND MY SOCIAL SECURITY NUMBER AND USED IT TO OBTAIN A CAR AND TO SIGN UP FOR SCHOOL I DID NO GIVE ANYONE PERMISSION TO USE MY INFORMATION NOR WAS I AWARE OF THESE ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRAS. On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmerAssist A/R Solutions, Inc.
State: FL

Complaint narrative:
I received an alert on my credit report about an alleged debt with a company that I have never had any interaction, contact, or transaction with. The collection agency is Amerassist Ar Solution. Reported on XX/XX/2020 Original lender is listed as : 01 XXXX XXXX XXXX XXXX No other information is listed. 
I was never contacted, and never received any information regarding any debt, and I do not recognize the original lender and I do not have any affiliation with that entity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CO

Complaint narrative:
The mortgage company Penny Mac, adjusted the payment higher due to change in escrow, with out notifying me. They stated they had in XX/XX/2020. I never received a notice .This is the second time they have done this to us. We refinanced with this company to lower interest and length of the mortgage. We have never had a problem like this till we worked with this company. 
On XX/XX/2020 we received are statement for and it was little over double the monthly due amount in XXXX. 
My wife called on XX/XX/XXXX to inquire about this, and was told we did not pay last months bill for XXXX, I had paid through my banks online pay service and was received XX/XX/2020. 
My wife called to inquire about the bill. She was informed they had set in a suspense account. We owed a difference of {$60.00} for the escrow adjustment -which I have no issue paying. A XXXX late fee and for try to correct this with a online customer service rep a {$6.00} fee. They never made a attempt to correct this by reaching out to an notifying of the payment being short {$60.00}. 
Instead they collected interest for a month an late fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-26 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: NJ

Complaint narrative:
Myself and my husband turned in two leased vehicles into XXXX XXXX of XXXX on XX/XX/2020 and leased two new vehicles. Unfortunately, the process has been anything but smooth for us. We negotiated online and over the phone for vehicles that were not available when they arrived at the dealership. We were told that the General Manager who negotiated the deal with them no longer worked at the dealership and we were forced to select different vehicles. We specifically gave authorization for the dealership to run one credit inquiry for the purpose of the lease, but three hard inquiries were made two on XX/XX/XXXX and another on XX/XX/XXXX ( two weeks after we drove off and finalized our lease deal ). After leasing the new cars, the dealership called to inform us that they filled out the paperwork incorrectly and needed us to sign new paperwork. At the request of the dealership, we arrived at the dealership to sign new paperwork on XX/XX/XXXX, but were told the paperwork was not yet done correctly and were sent home. 

On XX/XX/XXXX, a representative from the dealership arrived at our home to have us sign new paperwork which was dated XX/XX/XXXX. ( Our original lease date ). 

Then on XX/XX/2020, XXXX contacts us seeking payment for the old leases that had been turned in since the dealership never effectuated the payoff of these leases as negotiated in the deal. Repeatedly, throughout this process, I spoke with several people about the additional unauthorized hard credit inquiries that had been run and was promised again and again that the dealership would rectify the issue with the credit bureaus. I spoke with XXXX, the General Manager, XXXX from finance and ultimately XXXX XXXX who was assigned to resolve the issue after I contacted corporate about the slew of issues he was facing at this dealership. 

Still, to date, no one has corrected the issue with the credit bureaus and our credit remains negatively impacted. Moreover, XXXX XXXX offered us a check for {$1300.00} as compensation for our troubles throughout this process, but when I asked for a copy of the release I was required to sign so that I could have counsel review same, she suddenly advised she could no longer assist me and advised that I should have my attorney contact The VP. 

My attorney sent two letters to the VP letting him know they violated the Fair Credit Reporting Act and he has refused to respond.

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 2020-06-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
This is for the property at XXXX XXXX XXXX XXXX, FL XXXX with loan number XXXX. Homeowner 's name is XXXX XXXX. 

We would like to reach out to you because we are still unable to get any representative from the home preservation team of Suntrust via XXXX due to their long hold time of 8 hours. We have scheduled callbacks for that is the only option when calling them, however, we really have not received any call back from them. We can not get any further updates for this file due to not being able to receive any scheduled callbacks that we set with them. 

We have also tried to reach out to their point of contact but still unable to to get a response. 

The file was tagged complete on XX/XX/2020 and we should've had their decision already for the short sale review.

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 2020-06-26 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: AVANTE
State: MD

Complaint narrative:
On XX/XX/2020 and XX/XX/2020, Avante USA, XXXX XXXX XXXX XXXX, called my father twice about my debt. They already have my address and phone number on file. I have not received written notification about my debt from the either. I am only aware of them because of these two calls to my father.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2020 I purchased airline tickets with travel planned on XX/XX/2020 using my Checking Account Debit Card issued by USAA Federal Savings Bank. In XX/XX/2020 I contacted USAA and informed them that the airline had publicly announced that they were suspending flights on my reserved route. I contacted USAA and requested to dispute the charge. At that time USAA responded that the transaction was more than 30 days old and they could not dispute the transaction for that reason. On XX/XX/XXXX I contacted USAA and explained that airline tickets were often purchased in advance of travel and that I believed a waiver of the time limits was appropriate in this case. USAA agreed to re-open the dispute. On XX/XX/2020 the vendor, XXXX, notified me that the flight I had booked was cancelled. I requested that XXXX issue me a refund per US Department of Transportation regulations. XXXX stated that " they were not issuing refunds ''. I contacted USAA and requested that USAA charge-back the transaction. USAA responded on XX/XX/2020 that " ... some merchants were required to cease their services due to the COVID-19 pandemic ... '' and therefore USAA would not fulfill their fiduciary responsibility to their customer and would not charge back the merchant on my behalf. On XX/XX/2020 USAA sent me a new dispute resolution notice wherein they returned to their original position that the dispute was not timely placed. 
I am also struggling due to the pandemic and on a fixed income. I do not understand why the bank would protect unscrupulous vendors to the detriment of their long time customers ( over 20 years ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paramount Recovery Systems, L.P.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX I checked my credit report XX/XX/20 and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you allow me to validate the alleged debt. I am aware that there is a debt from XXXX XXXX XXXX, but I am unaware of the amount due and your bill does not include a breakdown of any fees. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ name of provider ] for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
ftc violations I reported 60 days XXXX  XXXX/XXXX XXXXDispute 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 2020-06-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF THE WEST
State: TX

Complaint narrative:
My issue is with Bank of the West regarding a payment I sent to pay off the loan for a recreation vehicle loan. 

On XX/XX/2020 I sent a payment of {$36000.00} ( via USPS signature required ) to Bank of the West for the purposes of paying off the loan. 

On XX/XX/2020 Bank of the West signed for the payment, validated through the USPS website that shows the name of the person who signed for the payment. As of today, XX/XX/2020, the payment has not been posted to my account. 

I have attempted to contact Bank of the West by using their website messaging system, with no response. 

I have also called Bank of the West daily since XX/XX/2020 in an attempt to obtain a status update - why the payment has not been posted. Each time I have called I was on hold for over an hour and half then subsequently disconnected at the hour and half mark. 

I have contacted the XXXX XXXX XXXX  for help and they too have not been able to help. No one has contacted me from Bank of the West.

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 2020-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I was the victim of Identity theft. Accounts with Cable companies and cell phone providers were opened using my name and SSN. All my credit reports have been frozen since the XXXX data breach. So no new account line of credit inquiries on my credit report are possible. 
However these accounts did not inquiry on my credit reports. The accounts went to collections after no payments were made. I am currently disputing the charges and submitting documentation. 
Citibank lowered my line of credit on my citibank credit card. I explained that I was the victim of fraud and asked that my credit limits be restored. They refused to restore my credit limits. After many attempts to explain I was not at fault and given the current joblessness and financial crisis they should reconsider. I had been a long term client of citibank and had always made any payments minimum or otherwise on time. 
The employs and supervisors of Citibank Credit card customer service were rude and unresponsive. I settled the balance of the card and closed the account. 
Citibank them claimed I owed them interest after paying off the card and closing the account. I argued with them again. Finally, I was forced to pay interest on a card I had payed off and closed. The customer service from every person I spoke with at Citibank was horrible.

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 2020-06-26 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: TX

Complaint narrative:
ftc violations I reported 60 days XXXX  XXXX/XXXX XXXXDispute 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 2020-06-26 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: TX

Complaint narrative:
ftc violations I reported 60 days XXXX XXXX/XXXX XXXXDispute XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: AMERISAVE MORTGAGE CORPORATION
State: MA

Complaint narrative:
There was a hard pull on credit because my wife and I are applying for a mortgage. After the credit pull AmeriSave Mortgage Corporation reached out to me unsolicited and tried to sell me on a refinance. I said I'm not interested and didn't know how they got my number. Then the women mentioned that I had a hard pull on my credit. 

She asked me " Why did you have a hard pull on your credit, are you buying a home, looking to refinance? '' I was surprised she knew this information and I said, " I'm not comfortable sharing any information about why my credit was pulled, I don't know who you are '' She then proceeded to list off the products her company offered. Then both of said ok goodbye and hung up. 

I'm concerned the the credit reporting companies are giving out information on me to other companies without my approval. I'm also concerned that the women from AmeriSave tried to get me to divulge why a hard credit report was pulled. That information is extremely personal, I can't believe a sales person would ask such a questions especially on a unsolicited call. 

the number that reached out to me was 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