vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: AZ

Complaint narrative:
I am a victim of identity theft. The tradeline, which appears on my credit report from CONVERGENT XXXX XXXX last reported XX/XX/XXXXin the amount of {$820.00} does not relate to any transaction ( s ) credit account I have ever had. It is the result of identity theft. I received a copy of my credit reports and discovered this trade line on my credit report. I did not authorize this account or transaction. I did not apply for any credit with this company and have no existing accounts with XXXX XXXX. Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act. I have contacted both CONVERGENT XXXX  XXXX individually and have not received any reply back

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 2021-03-27 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 — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
For over a year, I have not been able to access my credit report with Transunion. Whether on XXXX or their direct website. I have and know my login and personal information that is never rejected for being incorrect. 
In counting, I have spoken with Transunion 8 times spanning from XX/XX/2020 to the present. I have spoken to phone agents, supervisors up to the " Special Handling '' department with no resolution or follow-up from them. They tell me that they don't know why I can not access it. 
Each time, I am forced to call back because my issue is left forgotten and when I do call back they act as if this is my first time calling. 
I have never threatened legal action, but now my patience is gone. It is my right per the FCRA to sue if I can not get access. If this issue is not resolved in the next 30 days by Transunion, I will be seeking legal council. All I want is the ability to view my Transunion credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I used the bank for a long time, they let me open a personal checking account that I hardly use. During that time, I did not receive any statements, nor could I read it from online banking since it's not linked for some reason and I could not access online banking properly. I found out a fraud transaction on the account later when I have to go to another branch and go over all my transactions. At that time, I wasn't trying to use the account or the debit card since it won't go through at ATM, so I wrote the pin on the card. 

I lost cards, new XXXX XXXX cellphone, charger, adapter, clothes, bracelet, etc. around that time with a police report. I couldn't do anything with no access to get back to normal, missed out a lot of things, checked in hospital for an XXXX  still suffers pain on my hand and knee. 

The bank won't consider anything, but what they said is unreasonable, not to consider my complaints and just closes it. When I ask them to provide proof of who authorize it, they keep saying emailed me, but I didn't respond. They repeat the same thing with no documentary proof, recording or photo copy of anything, yet they could easily stop it by suspend the transaction. 

It's a horrible banking practice with such abusive, irresponsible, bad altitude to a long time customers. Hope the person who responded to last complaint not to mistreat customers with wording but with good faith and solid proof!!

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 2021-03-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I've disputed and requested re-investigations on several inaccurate items. 

Transunion is refusing to provide information and contacts used to verify inaccurate info on my consumer report. IMost recently I was sent a notice that only address one of the multiple items I disputed and it did not include any of the requested information. It is my right as a federally protected consumer to have this information provided to me within 15 days of request or the disputed account removed. They are in violation of 15 USC 1681a ( 6 ) and 15 USC 1681a ( 7 ).

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 2021-03-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC
State: AZ

Complaint narrative:
I am a victim of identity theft. The tradeline, which appears on my credit report from SECURITY CREDIT SERVIC/ XXXX XXXX last reported XX/XX/2021 in the amount of {$1300.00} does not relate to any transaction ( s ) credit account I have ever had. It is the result of identity theft. I received a copy of my credit reports and discovered this trade line on my credit report. I did not authorize this account or transaction. I did not apply for any credit with this company and have no existing accounts with XXXX XXXX. Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act. I have contacted both SECURITY CREDIT SERVIC/ XXXX XXXX XXXX and have not received any reply back

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have sent numerous disputer letters to Equifax, XXXX and XXXX  to remove all inaccurate information like wrong name, wrong address, inquiries, accounts and public records. 
My name : XXXX XXXX XXXX XXXX address : XXXX XXXX XXXX  XXXX, TX XXXX My DOB : XX/XX/XXXX Last XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX US XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Portfolio Recovery has been harassing me and showing inaccurate information on my Credit report. I've sent sevral letters to dispute this error situation but they continue to report the wrong information! XXXX amount they say I owe {$2700.00} on XX/XX/XXXX, XXXX another amount they say I owe {$2700.00} on XX/XX/2017 and on another amount of {$2300.00} on XX/XX/2017. Portfolio recovery has been reporting information and is trying to collect1

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
I went to buy a new XXXX XXXX on XXXX XXXX from XXXX of XXXX. They got approval for my credit financing for the loan from BECU XXXX XXXX. I signed the purchase agreement and brought the car home. For days later I received a letter from the dealer to return the car immediately as the financing had been denied. I was not given a reason why the financing has been denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Ability Recovery Services, LLC
State: OK

Complaint narrative:
Ive sent several debt VALIDATION letters for this reporting to my credit. This is NOT my debt.

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 2021-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc.
State: NV

Complaint narrative:
Someone in the XXXX Texas area is opening accounts under my name for electric services and cable ... i have all ready call the collection depts and the companies. also called XXXX XXXX and XXXX of what is happening ... .the only identification i get is when they already did the damage and hear it from debt collectors ... .Dont understand why it keeps happening if someone is using my SS number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-27 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: NV

Complaint narrative:
I filed Chapter XXXX Bankruptcy it was reported to all credit bureaus Transunion is reporting on my auto loan account from XXXX XXXX XXXX XXXX as, in payment plan status with Chapter XXXX bankruptcy in the comments section,

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 2021-03-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Bureau of America Ltd.
State: AZ

Complaint narrative:
I am a victim of identity theft. The tradeline, which appears on my credit report from Collection Bureau of America/XXXX XXXXXXXX XXXX XXXX XXXX last reported XX/XX/2021 in the amount of {$460.00} does not relate to any transaction ( XXXX ) credit account I have ever had. It is the result of identity theft. I received a copy of my credit reports and discovered this trade line on my credit report. I did not authorize this account or transaction. I did not apply for any credit with this company and have no existing accounts with XXXX XXXX XXXX XXXX XXXX. Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act. I have contacted both Collection Bureau of AmericaXXXX XXXX XXXX XXXX XXXX individually and have not received any reply back

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC
State: OH

Complaint narrative:
Phoenix financial claims that I have a bill of {$430.00} in there office from a medical bill in XXXX  I tried disputing this account on XX/XX/XXXX but it came back as verified from all XXXX bureaus with no verifiable documents supporting their claim. I have submitted a debt validation letter also and didnt receive a response. There saying I owe this debt but they dont supply the proper documents. This account has put a tremendous amount of hurt on my credit report hindering me from obtaining credit products from certain institutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PROSPERITY BANCSHARES, INC.
State: OK

Complaint narrative:
Regarding XXXX XXXX XXXX XXXX ID # XXXX I applied for a mortgage with Prosperity Bank in received a prequalified letter for XX/XX/2021 to XX/XX/2021 for a conventional loan. I found a house which did not pass inspection. I found another house and was going through the closing process which was to be XX/XX/2021. 

When I started the process on the second house with another realtor the loan officer XXXX at Prosperity apparently threw my file away as if I had not recently received a preapproval letter which was still valid. She told me that I had to reapply for the loan, which was less than a month old. I RE provided all the documents requested and paid all the money for an inspection and at the end was asked to pay for an appraisal of {$700.00} which was overpriced as a standard appraisal is listed around {$250.00}. 

I found the letter stating that I may not need an appraisal and if I did it would be {$200.00}. 

All this time the loan officer was not communicating with me. My realtor and myself asked her if the loan was going to close and she said yes she wouldnt have me come this far in the loan process if I wasnt going to be approved. 

I work remotely and it was as if they made a point to get the company I work for to say I couldnt work remotely in Oklahoma then denied my loan. Sub services handles all questions about my work and they found someone who does not manage substitutes to verify a question that was out of their area of scope. 

As a sub I am basically independently contracted to the district and am able to pick and choose days when I want to work regardless of where I live at. The main point in to complete the job assignment I love picked up. 

I was approved for a conventional loan because I have a strong credit score. I have a long work history and am confused by the conversations I have had with the loan officer.

It seems to me that the loan officer was reluctant to work with me after she found out I am a woman of XXXX. I realize XXXX is known for the race XXXX and it seems to me Prosperity Bank is not in favor or prospering XXXX of XXXX. From working with the first realtor to the second their was a major lack of consistency. 

On the first loan I received congratulations on my property prior to completing my inspection! 

I have emails and documents to support these claims. 

You will see how the level of professionalism changes after XXXX when the approval letter and home loan was in progress. 

I am requesting a refund of my monies and a review of XXXX files to verify she is servicing all clients equally. And advise borrowers of XXXX to avoid Prosperity Bank. 

Thank you in advance for your assistance in resolving this lack of professional in the mortgage industry.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: AZ

Complaint narrative:
I am a victim of identity theft. The tradeline, which appears on my credit report from ENHANCED RECOVERY CO LLCXXXX XXXX XXXX last reported XX/XX/2021 in the amount of {$490.00} does not relate to any transaction ( s ) credit account I have ever had. It is the result of identity theft. I received a copy of my credit reports and discovered this trade line on my credit report. I did not authorize this account or transaction. I did not apply for any credit with this company and have no existing accounts with XXXX XXXX. Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act. I have contacted both ENHANCED RECOVERY CO LLC/XXXX XXXX XXXX individually and have not received any reply back

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC
State: VA

Complaint narrative:
I received settlement letters in the mail on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2021 to settle the account for 50 % of the balance-which I accepted and paid. After, I asked if the company would update my credit report to show the account was settled ; yet, they reported it as still derogatory and still with a balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I placed an order with a catalogue sent to me from XXXX XXXX, XXXX XXXX took my order put it on a credit card and sent it to me with out my permission. I took the credit card cut it up, paid my {$87.00} balance sent the card back and asked king size to close the account. XXXX XXXX did the opposite they started to charge me late fees and other fees I tried to contact XXXX  XXXX  to advise customer service of my order incorrectly filled. I ordered two pares of socks for {$22.00}, I received one pare. My shipping was free however I was charged {$12.00}. 

This company send credit cards to citizens in an attempt to collect fees

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Revco Management, LLC
State: PA

Complaint narrative:
As I the federal protected consumer, I entered a consumer credit transaction that was paid for with my open-credit plan which is my social security card, which used for household and personal use which is under the administration of the United States Corporation. They are responsible and liable for that's why the alleged debt shows in the positive of XXXX and XXXX. If it was in the negative it would show as XXXX and XXXX but it doesn't that's false belief in a natural person owing a debt when in fact it was a consumer credit transaction. They are furnishing deceptive forms in this corporation and need to be legally accountable for their actions. I demanding the agency to work with me the consumer under the guidelines Fair Debt Collection Practices Act and the Truth and Lending Act or else I will pursue federal litigation if needing re-enforcements on the facts of Federal Law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
In or about early XX/XX/2021 Amazon Store Credit had owed me {$530.00}. This amount was given to me in the amount of store credit. However, around that time my Amazon account mysteriously disappeared. I had called them over 25 times and no one could manage to find my account or the credit I was given. I contacted my credit card company and told them the situation. They gave me a temporary credit. Then today I find out that they are putting all the charges back on my card. I do not know what to do or how to get my money back.

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 2021-03-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: IN

Complaint narrative:
I opening a savings account with credit karma last year when I filed my taxes. Unfortunately my last stimulus payment went to that account, the 2 before that did not. Ive been trying for almost 2 weeks to link my bank account. There is no phone number to call, and every time I reach out on support I get someone different and they give me the general steps to link an account ( which is not working ). Once I finally get across that I need something else to be fixed on their end I never hear back they will pass it along to someone more experienced with the problem and I never hear back, just to start the process all over again a few days later. I tried going to my bank and having them pull it from this end, only to succeed for it to be reversed a few days later. This is entirely too much money to leave floating out there, especially when its needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 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: SC

Complaint narrative:
I hope you can help me to remove these items from my credit because I can not progress in my life like buy a house, get car or even get a credit card. The way life is now credit is everything. On XX/XX/21, I sent a letter regarding inaccurate and unknown things on my credit report. I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. I hopes that I can get some assistance in reaching these credit bureaus. They are unlawfully reporting late and missed payments on my credit report during the pandemic. I wasn't able to work during those times when the payments were missed and they aren't giving any consideration and I have submitted my compliant over a month ago and still haven't gotten any results. I am the only one who is working in my family and I need to provide a good life to my parents and these fraudulent items will hurt me to provide as daughter. so please help me while I move forward with helping my family thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I received a copy of my credit report and noticed fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 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: CA

Complaint narrative:
I'M IN HELP OF SOME ASSISTANCE DEALING WITH A COUPLE OF ACCOUNTS THAT ARE APPEARING ON MY CREDIT REPORT THAT ARE NOT MINE.

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