vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-18 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: NC

Complaint narrative:
I CANT BELIVE THESE FRAUDULENT ACCOUNTS ON MY CREDIT. THEY ARE CAUSING ME SO MUCH EMOTIONAL DISTRESS. THIS IS A VIOLATION OF MY RIGHTS. PLEASE HELP ME REMOVE THESE FRAUDULENT ACCOUNTS FROM MY PROFILE. THESE INQUIRIES ARE ALSO FRAUDULENT. PLEASE TAQKE THIS STUFF OFF MY CREDIT. 
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character ''

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 2021-03-18 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: TX

Complaint narrative:
XXXX XXXX This request can not be processed online. XXXX maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX potentially negative icon Potentially Negative StatusPaid, Closed. 
Account TypeCollection Balance- Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. {$1900.00} past due as of XX/XX/XXXX. 
Account TypeCollection Balance {$1900.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. {$1200.00} past due as of XX/XX/XXXX. 
Account TypeCollection Balance {$1200.00} Date OpenedXX/XX/XXXX Dispute Revolving Accountsshow tooltip button XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusPaid, Closed. 
Account TypeCredit card Balance- Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusClosed. {$160.00} past due as of XX/XX/XXXX. 
Account TypeCredit card Balance {$2400.00} Date OpenedXX/XX/XXXX Dispute

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 2021-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: WESTERN UNION COMPANY, THE
State: MA

Complaint narrative:
On XX/XX/2021, I made 2 transfers. Their tracking numbers are XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. 

In each of these transfers, I agreed to pay {$4900.00} ( plus a {$2.00} fee ) at exchange at a rate of {$1.00} USD = XXXX BRL ( Brazilian reais ), so that each recipient would recieve BRL XXXX. 
This was a bank deposit ( not cash pickup ) and my payment was made with debit card immediately. Each transaction has a status of " Completed '' with its respective receipt showing what I've just described ( {$4900.00} paid ; {$1.00} USD = XXXX BRL ; supposed payout BRL XXXX ) However, in actuality, only BRL XXXX were deposited in each of the recipients accounts in each of the 2 transactions. Each transaction is missing XXXX XXXX. 

I had contacted Western Union for an explanation or solution. After first I was told that the missing portion of the payment was placed on a " secure hold. '' When asking for clarification on what a " secure hold '' meant, I was then told that it ACTUALLY was deficient " probably because of taxes and fees of the receiving bank, maybe. '' In the end, they said that the payout is just an estimate [ and they can pay whatever they want, after I agree and send money. ] The recipient bank says there are no fees or taxes taken out, nothing is deducted on their end. This is corroborated by the fact that no other international transfer service has mysterious deductions from their transactions -- only Western Union. The Western Union transfer rate did not fall between payment and delivery of the deposit, it actually went up slightly. There is no explanation for why so much money is missing. It can not be from rate fluctuation. The rate was XXXX BRL when I paid and was XXXX BRL when the money was deposited the following day. 

No other money transfer service operates like this. There is no accounting from Western Union regarding EXACTLY what happened to the rest of the money. It appears that Western Union believes they can make a contract for a money transfer, take the payment, and then unilaterally change the payment amount to whatever they feel like paying without any oversight, specific explanation, or consequence. To this day, they can not provide evidence on why the payout deviates so much from what is shown on the receipt. I would never have agreed to engage in a transaction with this company had I known that they arbitrarily change the contracted payout amount after execution. 

I am attaching the transaction receipts showing what we contracted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 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: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
On XX/XX/XXXX, I wrote a letter to XXXX and XXXX about an inaccurately reporting item that was adversely affecting my creditworthiness. Both companies reported back the item had been verified by Credit Acceptance. I also notified Credit Acceptance that they were hurting my livelihood by reporting inaccurate information about my account, they responded to my concern with a frivolous letter. I responded to XXXX and XXXX with proof of the inaccuracies on a letter dated XXXX XXXXand wrote a letter to the CEO of Credit Acceptance concerning the matter. Credit Acceptance sent me a letter dated XX/XX/XXXX, to settle the matter at a discounted price. I purchased a money order from the USPS and sent it certified mail upon complete removal of the account. As of date, XX/XX/XXXX, inaccurate data is still reporting. TransUnion nor Experian responding to a letter requesting the method of verification, yet still, they report UNVERIFIED inaccurate 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 2021-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL

Complaint narrative:
In 2015 I filed two claims to XXXX insurance company. I hired an attorney. At the time XXXX sent out a check for {$8300.00} for repairs. After case settled XXXX insurance co send two checks for repairs of the house. I endorsed the checks and send them to XXXX loan servicing company. The funds where deposited into a restricted escrow account. The total amount of funds for the two claims in this escrow account is {$44000.00}. 
I received the initial check from XXXX insurance company for {$8300.00} and two other checks one for {$21000.00} and other for {$15000.00}. I received two initial disbursement checks one for {$15000.00} and a second check for {$2300.00} from Rushmore loan servicing for house repairs. Now 75 % of the repairs are done and an inspector sent by Rushmore loan serv center has confirmed 75 % of the work is done. On the website where I log in to see my claim its called XXXX/Rushmore.com. I see they have the incorrect amounts of disbursement and remaining balance. They have the remaining balance as {$18000.00} and that is incorrect. They have the total disbursement as {$26000.00} and that is incorrect. The amounts are inverted. The file owner informed me that the disbursement to be send out since the inspection has been done will be {$13000.00} and that is because they are taking the 75 % from the incorrect amount of remaining balance. Please help. I owe half of the repairs plus I have to pay kitchen cabinets and counters. 
Rushmore is incorrectly handling the escrow account. The deposits from XXXX insurance are for repairs of the house. 
Thank you, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
In XXXX I reached out to XXXX XXXX about this debt. The company talked me into setting up payment, however I didnt realize Im a part of the litigation with Santander USA ( original debtor ). 

https : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Adjustment Company Incorporated
State: TX

Complaint narrative:
After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under Consumer Adjustment and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. As of XX/XX/XXXX I have not received the requested validation in a timely manner according to the Fair Debt Collections Practices Act and I do not believe the account belongs to me nor do I believe that the creditor has HIPAA authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the accounts belong to me and all information is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
account re added the same XXXX account to my collection with out a 5 day reinsertion notice, by a new debt collector was with XXXX now with XXXX, XXXX reported I owe {$190.00} Now XXXX report I owe {$190.00}.

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 2021-03-18 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: FL

Complaint narrative:
Transunion, XXXX, and XXXX continue to report inaccurate information on my account. They continue to report medical accounts and place recently removed accounts back into my credit profile with out my knowledge which is violating my consumer rights. I have provided a dispute with these accounts as I have never opened an account with these creditors. 

In addition, the bureaus have never provided me with any executed contracts/agreements to show proof that these are accounts that I opened or request. How do I know it was someone else opening the accounts?

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 2021-03-18 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: PA

Complaint narrative:
I previously asked the credit bureaus for a investigation on account that was fraudulent opened in my name the company was sent a letter for validation of my debt company never responded I also wasn't given anything about the results of my dispute I have proof I sent numerous certified receipts. I sent proof of my identity and my FTC report and now this is my next step before I file a law suit. I will be submitting ALL my proof thanks again.

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 2021-03-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ID

Complaint narrative:
This is concerning the 2009 credit card act. 
I paid an extra amount over and beyond the minimum Bank of America payment due and they refuse to add this to the high interest portion of the statement. 
I had this issue before with this bank and they did not respond. I just let it go at that. 

My XXXX XXXX Statement showed Balance transfers 8.99 % {$6200.00} Bank cash advances 19.99 % {$3200.00} Minimum payment due {$190.00} I paid the minimum of {$190.00} plus an extra amount of {$5000.00}. That should have wiped out the 19.99 % portion of the statement with an an additional of {$1700.00} applied to the 8.99 % portion of the statement. Bank of America elected to add the main portion of the payment to the lower interest part of the statement. 
This according to me is not according to the 2009 credit card act. 
I can substantiate this with my statements. 
The current balance on the 19.99 % portion is still {$2500.00} Thank you for your care

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 2021-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ATG Credit, LLC
State: IL

Complaint narrative:
Ive been receiving different Collections notices Attached to XXXX XXXX XXXX XXXX  from Different collection Agencies that represents this company.. Neither Collection agency has Verified that I owed the Debt. The first collection reached out was Dynamic recovery solutions who Never answered my Complaint with the CFPB regarding this matter and now XXXX XXXX XXXX XXXX has sent this Fraudulent debt to ATG Credit , LLC I guess when they had no luck with XXXX XXXX XXXX. Ive sent Validation letters and police reports on this account and XXXX XXXX XXXX keeps circulating the fraudulent debt around with knowledge its Fraudulent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: WV

Complaint narrative:
True Accord keeps emailing me about a debt I owe to XXXX in the amount of {$260.00}. I have never had any accounts with XXXX. I have emailed them and told them this is not my debt. They continue to email me. Today I called and told them this is not my debt and to quit sending me emails. I also told them, I will be reporting these actions. I believe this is a fraudulent collection company harassing people over debts they do not owe. They had nothing on file for me that is current.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 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: FL

Complaint narrative:
XXXX, XXXX, and Equifax continue to report inaccurate information on my account. They continue to report medical accounts and place recently removed accounts back into my credit profile with out my knowledge which is violating my consumer rights. I have provided a dispute with these accounts as I have never opened an account with these creditors. 

In addition, the bureaus have never provided me with any executed contracts/agreements to show proof that these are accounts that I opened or request. How do I know it was someone else opening the accounts?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 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: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
Lvnv funding is reporting violations on my credit first. 

First, under the FCRA 605 section C running of the period it is a violation to re-age an account. LVNV is reporting the date of last activity on XXXX  as XX/XX/2019. XXXX is reporting XX/XX/2019 i have sent them several debt validation notices through the cfpb in which they still fail to provide proof that i owe this account besides my address, i have no knowledge of this account, and credit one bank failed to provide any verification of the debt, i attempted to settle an account that not mine and they are not complying the to the amount that i can afford under the FDCPA 809 b i can file suit for not validating the debt yet they continue to collect on it futher in case from Lefevre Boatley vs Diem corp, it was ruled that if a collection agency have not violated your debt and they still continue to report to the credit bureaus they can be sued. 

they have not provided a copy of the account or written contract, and are refusing to do XXXX and XXXX has responded both times saying this account has been verified as accurate i have attached the information from my XXXX  credit file where they claims the information was verified as accurate and that it meets fcra requirements

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: IL

Complaint narrative:
Having gotten poor advice in the past from previous loan company, I consolidated my educational student loans under the Federal Family Educational Loan Program ( FFELP ). 
I have been aware recently that my educational loan does not qualify for Loan Forgiveness. I applied for Public Service Loan Forgiveness and was denied because my loan type does not qualify. ( FFELP loan amount as of XX/XX/XXXX : {$110000.00} ). If I had advised that consolidating my loans under the FFELP was not the best option for me, I would not have done so. 
I have dedicated to working in the XXXX XXXX as a XXXX  in underserved communities in XXXX, Illinois and do not have the benefits or options that I would have had if I had been advised to consolidate under the Direct Loan Program. 
I graduated from XXXX  XXXX  School in XXXX and finished my XXXX  at XXXX XXXX XXXX XXXX XXXX in XXXX. I have served in underserved areas in XXXX since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC
State: LA

Complaint narrative:
someone has been going to the hospital under my identity, which is fraud. I also have active XXXX XXXX. the date of this account open is XX/XX/XXXX, XXXX and it is placed for collections.

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 2021-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
XX/XX/21 - Called Chase Bank to get {$850.00} in funds recovered from a scam payment. They said they couldn't help me because it was done with XXXX XXXX  with XXXX and suggested that I call XXXX, but they would notate that the number and email address the funds were sent to as a scam. 
XX/XX/21 - Called XXXX to see if they could help because its basically like XXXX XXXX and I would need to contact my bank to get the funds recovered. I informed them that i had called the bank first and they stated to call XXXX. Again they said to call my bank, and also said that they couldn't help retrieve the funds, but could mark the phone number and the email address as a scam and they would be blocked from using the app. 

Neither company would help and basically said was my fault for falling for the scam. Once i realized it was a scam I immediately reported it to the FTC and BBB as well as called my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
This is a follow up to my original complaint that Capital Once closed my account and reported me late XXXX due to an issue on their end! Each time I called they say too bad and nothing can be done. I know I have been wronged here so I filed a compliant and Capital One came back that they were working on it. That was simply not true and was told the same thing. It went to another department and they looked at it and said NO. I never even got to explain my side and how this is hurting my credit rebuild. They didn't care and are so wrong here and have harmed me as the consumer for some XXXX XXXX and XXXX  policy without looking at the real issue. This is so wrong and want to know my options since this big XXXX  is bully me.

Company response to consumer: Closed with explanation