vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Performance Management, LLC
State: FL

Complaint narrative:
When I could not get my service level reduced due to job loss, I cancelled service with XXXX ( account # XXXX ) via phone call in XX/XX/2020, I was advised that service would be terminated and there was no balance due. I have not received a bill from XXXX or now XXXX XXXX XXXX, but have for the second time, with a different collection agency had this show up as as an uncollectible account damaging my credit score. The previous collection agency withdrew this from my credit report with no explanation so I thought the matter was closed. I spoke with XXXX XXXX XXXX rep who would give me no information other than the phone number for Receivables Performance. I called and spoke with a debt collector who said i should have received letters and emails about this debt which I have not. In fact they didn't have my correct email address. What the debt collector disclosed is that I now owed for the first and last month of service and a fee for non return of equipment. Having had the account for close to ten years I have no of the original documentation when the account was opened under a special offer through XXXX XXXX. And the equipment was returned to XXXX XXXX in boxes they provided and dropped at the local XXXX store.

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 2021-01-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: NAVY FEDERAL CREDIT UNION
State: IN

Complaint narrative:
I paid {$800.00} towards my mortgage for the month of XXXX with Navy Federal Credit Union and was charged twice, with the second payment of {$800.00} being applied entirely to principal. I found this out when I noticed there were two charges for {$800.00} on my XXXX XXXX XXXX account effective XX/XX/21. This second charge was not authorized, and I have reached out to both NFCU and XXXX and neither company was able or willing to resolve the situation. This is a very frustrating situation and I'm unsure of what to do, but it feels as though the money was stolen from me. If NFCU is unwilling to help, would filing a police report be necessary?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I made a subscription to the website XXXX.XXXX  using my capital one credit card. The site was recommended to me on XXXX and I felt it was a safe purchase and if there were any issues capital one would protect me. After using the site for a few days everything was great and then all of a sudden I couldn't log in. I tried to reset my password and got the same error. I tired 3-4x before giving up and having to subscribe to another site. The next day I tried using the site again and there was the same error. It didn't say anywhere on the site that there would be downtime, that there were log in issues, or something was going to be happening. I messaged the site numerous times before filing the charge back. When I disputed they didn't ask for any documentation. After giving the money back now on XX/XX/21 they have taken the {$45.00} back from my account. How am I being protected? This is only the 2nd time I have ever charged back an item I had an issue with and they are forcing me to pay {$45.00} for something that was not provided to me. XXXX  XXXX is the name of the supervisor that said I would have to pay the {$45.00}. This should be illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
XXXX XXXX - an assisted living facility in XXXX, Virginia - part of the company " XXXX XXXX XXXX  '' - has been withdrawing money electronically out of my account without my permission. I have been handling the payments for my mother, XXXX XXXX, who was a resident from XX/XX/XXXX to XX/XX/XXXX. In XX/XX/XXXX, an electronic withdrawal for {$9200.00} was authorized without my person from my Wells Fargo account. At that time, this was rectified by Wells Fargo and the money returned. On XX/XX/XXXX a check from my account XXXX # XXXX XXXX which I did authorize for {$2700.00} was withdrawn from my account. On XX/XX/XXXX, the same amount - {$2700.00} - was also electronically withdrawn using ACH. I have put in a claim with Wells Fargo. I asked XXXX XXXX to remove my electronic banking information and to never use it again back in XX/XX/XXXX. They did not comply. Wells Fargo has told me that they can not put a hold on XXXX XXXX because they use a different number for every electronic transaction so there is no way for me to stop it on my end. My account at Wells Fargo is now withdrawn. I do not have access to my money and it will be days before this dispute is rectified. 
When I submitted the check ( # XXXX XXXX I also requested a statement showing the amounts paid and a XXXX  balance and the date that my mother left XXXX XXXX. This has not been given to me. 
The people I have contacted over the last seven months at XXXX XXXX are XXXX XXXX, business manager and XXXX XXXX, XXXXxecutive director. At XXXX XXXX XXXX I have contacted XXXX XXXX and XXXX XXXX. I talked with a customer service rep at Wells Fargo and have a claim number for the current 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 2021-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
ATM= {$500.00} was taken from my account. I went to a open bank they gave me {$500.00} in cash then 2wks. Later I received a letter were they took {$500.00} from my account.

When I was at the ATM I went to take {$1000.00} as normal, but nothing came out, on record I called about the problem while on the phone the Rep. Told me to try for a lesser amount which was the {$500.00} the receipt said it was withdrawn but I never received the funds of {$500.00}, THERE WAS SOME KIND OF GLICH AT THAT POINT, THE MACHINE SHUTOFF AND ON SO FAST AS IF SOMEONE WAS TAMPERING WITH IT AND THERE WAS A CAR BEHIND ME. I went to a bank that was open reported what happened they gave me {$500.00} and I thought that was the end of that I no longer have the ATM receipts but the Rep at the B.A.in XXXX, nj bank saw them and made a call and helped me. 
Claim # XXXX On XXXX XXXX XXXX REMOVED {$500.00}

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 2021-01-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/XXXX and I never received any reply. I then sent a follow-up dispute on XX/XX/XXXX. It is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

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 2021-01-06 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: LA

Complaint narrative:
On XXXX I've sent disputes regarding unknown and inaccurate accounts I found on my credit report, I feel like I'm being taken advantage of and being ignored of my disputes. Since I didn't received any response and its almost 90 days now. I Demand to REMOVE ASAP those inaccurate and unknown accounts or I will file a litigation.

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 2021-01-06 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:
The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX  Account Number XXXX Chapter XXXX bankruptcy petition US BKPT CT TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hard Inquiries XXXX XXXX Employers Select as many as apply 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 2021-01-06 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: TX

Complaint narrative:
The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX XXXX Account Number XXXX XXXXXXXX XXXX XXXX Account Number XXXX TBOM/ATLS/FORTIVA THD Account Number XXXX Chapter XXXX bankruptcy petition US BKPT CT TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hard Inquiries XXXX XXXX Employers Select as many as apply XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Ive been sending written request to dispute several items on my report but my request has been ignored. The unverified items listed below still remain on my Credit Report in violation of Federal Law. They failed to comply with FCRA, 15 USC Sections 1681i within the time granted by law and kept on reporting the unconfirmed information which now, given all my attempts to address it directly with the creditor, as obstinate neglect and nonfulfillment with federal statutes. 


XXXX / XXXX / XX/XX/XXXX / {$0.00} XXXX  / XXXX / XX/XX/XXXX / {$0.00} XXXX/ XXXX /XX/XX/XXXX / {$7200.00} XXXX XXXX  XXXX XX/XX/XXXXXXXX {$0.00} XXXX XXXX /XX/XX/XXXXXXXX {$1800.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX / {$0.00} XXXX XXXX XXXX /XX/XX/XXXX / {$3100.00} XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX {$2600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX just labeled the following complaint as duplicate -- -- -- -- -- " How can every complaint and request sent to XXXX XXXX XXXX XXXX be labeled " duplicate '' when not one request or complaint has yet to be answered? I want XXXX XXXX XXXX XXXX to explain. I want XXXX XXXX XXXX XXXX, Transunion, and XXXX  to explain why every complaint and request sent to XXXX XXXXXXXX XXXX XXXX is labeled " duplicate '' when they have yet to answer one. '' Amazing!!! 
XXXX  XXXX XXXX XXXX is making a mockery of America Laws and government. In addition to labeling everything as " duplicate '', they have yet to send copy of the dated credit report that will prove they did not have permissible purpose to pull my credit in 2017 that led to a fraudulent auto loan.

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 2021-01-06 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: Convergent Resources, Inc.
State: NC

Complaint narrative:
I am writing to CONVERGENT OUTSOURCI agency because I am having difficulties with buying a house and applying for new credit cards. I paid the collection and do not owe anything, but the mark in my credit reports prevents me from achieving the desired results. I am kindly requesting CONVERGENT OUTSOURCI agency to remove this collection from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.

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 2021-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.

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 2021-01-06 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: AL

Complaint narrative:
I Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: UT

Complaint narrative:
I previously summitted a complaint in regards to a couple late payment 's being reported on my Mortgage loan. United Wholesale mortgage - XXXX is reporting a 30 day late on XX/XX/20 & XX/XX/20 and I was never late. They stated that the representative when I called in to make my payment in XXXX failed to run the payment and they will request for that late to be removed but there is no late being reported in XXXX. They also stated I was setting up my auto draft online, which I request the representative set up my account in auto pay when I called in to make a payment. I was not contacted when the account defaulted, I did not receive any calls, notices or letters. If I was made aware of the auto draft not being set up I would have called and made my payment to avoid the late notations. These late 's are erroneous and need to be removed from my credit file. This is the representatives fault for not setting up my payments or running my payment. I need the XXXX and XXXX late 's removed. I was not late and never have been.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : US DEPARTMENT OF EDU XXXX, DEPT OF ED/XXXX XXXX, DEPT OF ED/XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX IXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC
State: IL

Complaint narrative:
I have contacted the company and the collection agency regarding the error of this account and it being related to fraud. They both have failed to get requested documentation to me as well as respond to my written and verbal request to provide proof of the validation of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Hello, I have been disputing incorrect items on my credit report for months with Equifax. They have my birth date wrong in which i have sent them proff several times. Therefore nothing has been reported to my credit report. Which has affected my score tremendously Equifax has refused to respond to my complaint in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 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: AL

Complaint narrative:
I Have been a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

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 2021-01-06 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: AL

Complaint narrative:
I Have been a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

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 2021-01-06 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: LA

Complaint narrative:
Almost 60 days now since I've sent disputes for those inaccurate and unknown accounts on my credit report but there's no response yet. I demand to DELETE ASAP those accounts or I will file a litigation.

Company response to consumer: Closed with explanation