vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-01 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$74.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- COLLECTION ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2017 with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2017 with a balance of {$74.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2017 with a balance of {$0.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 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: M&T BANK CORPORATION
State: NJ

Complaint narrative:
How are you doing? Can you please help me? During this Covid-19 I been reviewing my credit report, and I was shocked when I reviewed my credit report and found late payment on the dates below XX/XX/2020 for 30 days late. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my 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 explanation
Consumer complaint received 2020-09-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
This bank is supposed to give rewards for purchases. They are very slow in giving rewards on purpose. It's a continuous problem with Citizens and Mastercard. They are slow ... .. in updating. Their website for credit cards says to go to e-mail to retrieve a one time passcode but it is never there even after a half hour of waiting. There is something terribly wrong and it has to be corrected. Here I get XXXX cents interest on a large sum of money but they advertise big rewards. And then one has to ask for the rewards which are unattainable! Please investigate this possible consumer issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Choice Recovery, Inc.
State: MI

Complaint narrative:
On XX/XX/2020 by certified letter I contacted Choice Recovery in regards to an alleged debt appearing on my credit report. Letter attached. In goodwill I offered to quickly resolve this account by paying the {$170.00} if Choice recovery agreed to delete this from any and all credit reporting agencies. Paying this unverified amount is no benefit to me if they do not agree to delete.I know they have the absolute right to report, not report or delete from all credit agencies. A validation letter was also sent to Choice Recovery. Letter attached. 
On XX/XX/2020 I received a letter form Choice Recovery also  attached. The letter does not confirm validation. No signed contract or agreement, payment history, license numbers and the name of a registered agent licensed to to collect in Michigan but instead the letter I received is only a threat to attempt to collect alleged debt by any means without any validation or response to my goodwill attempt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 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: ResidentCollect, Inc.
State: SC

Complaint narrative:
On XX/XX/2019, Innovative Recovery Inc added a derogatory remark on my credit report per XXXX XXXX. Upon further research, this account was transferred and I am no longer reliable for this account. Debtor 's creditor did not verify this collection. Also, there was no written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate a debt and anybody can send me a bill and say it's mine. According to the FCRA, INNOVATIVE RECOVERY has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Glass Mountain Capital, LLC
State: FL

Complaint narrative:
I kelp receiving phone calls from a company saying they were collecting a debt, however the company that they trying to collect has fraudulent information. I have proof from one of the statements with a different account information were listed must be same companies with different cards that were issued. It looks like they amount were from XXXX and the company says bills were from XX/XX/XXXX-XX/XX/XXXX and the debt look much older and the company wants to make as it look charges were recent. I have called the company to resolve this issue no one wants to talk they only talk in threatening language and wants to add me to that's over 7 years ago on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I called XX/XX/XXXX and it was a recorded line basically saying that I need to dispute with credit reporting agency they will send over the dispute to the Fraudulent company midland funding LLC for the amount of {$310.00} from a buy back from XXXX XXXX from back in XXXX. This agency was another collector that was on my Bankruptcy over 15 years ago! Looks a little different. But in researching this collection agency. They should have been shut down a longtime ago by FTC and US Government. I see nothing but Fraudulent amount, that don't belong to ME. So why in the XXXX does XXXX XXXX appear so many times on my credit report in a 3 Reporting agencies. I mean come on you piece of garbage.I 'm in the  process of contacting my attorney who did the Bankrupt for me I can't find my order and all the creditors that collectors that were on there. I was a victim of fraud before and Present. This collection agency. Y'all should XXXX them. It scream Fraud. Get the XXXX off my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-01 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 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: I.C. System, Inc.
State: SC

Complaint narrative:
On XXXX XXXX, I C SYSTEM added a derogatory remark on my credit report per XXXX XXXX. Upon further research, this account was transferred and I am no longer reliable for this account. Debtor 's creditor did not verify this collection. Also, there was no written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate a debt and anybody can send me a bill and say it's mine. According to the FCRA, I C SYSTEM has violated my rights as a consumer and I'm requesting legal action to remove this account 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 2020-09-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I keep receiving calls from Transworld Systems Inc. for a debt not owed. I was being balanced billed by the XXXX XXXX and the claim was ultimately paid by XXXX. Under FL statue 641.3154 ( 1 ) " If a health maintenance organization is liable for services rendered to a subscriber by a provider, regardless of whether a contract exists between the organization and the provider, the organization is liable for payment of fees to the provider and the subscriber is not liable for payment of fees to the provider. 
( 2 ) For purposes of this section, a health maintenance organization is liable for services rendered to an eligible subscriber by a provider if the provider follows the health maintenance organizations authorization procedures and receives authorization for a covered service for an eligible subscriber, unless the provider provided information to the health maintenance organization with the willful intention to misinform the health maintenance organization. 
( 3 ) The liability of an organization for payment of fees for services is not affected by any contract the organization has with a third party for the functions of authorizing, processing, or paying claims. 
( 4 ) A provider or any representative of a provider, regardless of whether the provider is under contract with the health maintenance organization, may not collect or attempt to collect money from, maintain any action at law against, or report to a credit agency a subscriber of an organization for payment of services for which the organization is liable, if the provider in good faith knows or should know that the organization is liable. 

This agency continues to report incorrect information on my report. pls remove

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 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: Cornerstone Holdings, Inc.
State: TX

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2020-09-01 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: USA Service Finance LLC
State: TX

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Over the past 6 months Ive contacted TransUnion over 107 times. Ive provided documentation to them that validates my claim that the information pertaining to a Bankruptcy listed is invalid. I was advised by representative XXXX that TransUnion contacted via telephone the bankruptcy court and verified the inaccurate information, after conversing with XXXX at the court she advised that this was incorrect as the courts does not verify said information. I was even provided a letter which was provided to TransUnion. I additionally contacted XXXX, XXXX and XXXX who too confirmed they had not verified any data. In contacting TransUnion again, representative XXXX advised that they closed the dispute because they had previously verified it despite the existing new information. 

My name, address, date, type, amount are all incorrect. TransUnion also erroneously has accounts listed as a part of the bankruotcy that are not. Note none of this is an issue with the other bureaus

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 2020-09-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: PA

Complaint narrative:
My mortgage originally came with attached private mortgage insurance ( PMI ) payments. My loan documents state that once the loan-to-value ( LTV ) ratio reaches 80 % I ( as the borrower ) am able to request PMI removal. Since, I made additional principal payments I requested PMI removal when my LTV ratio fell below 80 %. After, initially refusing to acknowledge that PMI could be removed on a conventional loan ( Loan Amount was XXXX and issued in XX/XX/XXXX ), my lender denied my request for PMI removal on XX/XX/XXXX. 
The stated reason for denying my request is " You have the right to request early cancellation of your PMI on or after either of these dates : When the principal balance of your loan is first scheduled to reach 80 percent of the original value of the property. Your loan is scheduled to reach 80 percent of the orignal value on XX/XX/XXXX or When the principal balance of your loan reaches 80 percent of the original value of the property based on actual payments. Based on the actual payments made your principal balance has reached 79.86 percent of the original value. '' Thus, the lender is arguing that my LTV ratio now has to somehow reverse back above 80 %, which is only possible if I literally rescind previous payments. Based on their complete lack of understanding of the way a mortgage operates, my loan balance would need to be higher in order to have PMI removed. I am just flabbergasted at the level of incompetence and am at my wits end.

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 2020-09-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have a loan with CAPITAL ONE BANK USA. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting all 3 bureaus and CAPITAL ONE BANK USA with no successful resolution. All 3 bureaus are me late. There was definitely an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Tried to open an additional savings account with Merrill Edge and they declined me, would not specify why, even thou I was an existing customer. I therefore started to remove my assets and they closed the account halfway thru the transfer and wont release my funds

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 2020-09-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: LEXISNEXIS
State: OH

Complaint narrative:
Attempted to open a savings account online with the bank I am already a current checking account holder at and was denied. Denial stated due to lexisnexis identity verification

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX I made a payment of {$18000.00} with an effective date of XX/XX/XXXX. The payment was made on my Chase Credit Card ending in XXXX. The payment was subsequently honored by XXXX XXXX and debited from my checking account without delay. On XX/XX/XXXX I attempted to use my card ( which showed a small balance of approximately {$300.00} due to recent purchases ) to  make a purchase with XXXX of {$410.00}. Payment authorization was repeatedly denied by Chase. 

Upon further investigation and calling Chase I was advised that my payment was being " held '' until XX/XX/XXXX, with use not being allowed until XX/XX/XXXX. During that time without notice I would not have use of my approved credit limit of $ XXXX but instead {$76.00}. I authorized my daughter in law to speak on my behalf and she further confirmed the payment having posted to my XXXX account, that there was no advisement by Chase on my payment confirmation email, credit card statement terms or account profile on chase.com that the payment would be held. 

Chase Supervisor XXXX XXXX - XXXX, MO was also advised of the situation and that my payment had cleared XXXX on XX/XX/XXXX and that this was unacceptable. XXXX pointed my daughter in law to a clause in their card agreement that enables them to take up to 14 days to process a payment and make it fully available on my account. This is the 1st I've heard of this and have never experienced such treatment previously. 

I have been a customer of Chase for many years and have never had a late payment, over limit situation or any payment not honored by XXXX. If Chase intended on " holding '' my account/payment and not allowing me to utilize it I should have been notified. 

I am in the process of trying to move and this has created an undue burden on me for no valid reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I pay off my charges every month. Not even close to my credit limit and just received notice from Capital One that my credit limit was decreased by 50 %. I have worked very hard to keep my credit score high. They are not making money on me so decreased my line of credit. My credit takes a hit now. This is absolutely ridiculous.

Company response to consumer: Closed with explanation