vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-07 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: FL

Complaint narrative:
I am very stressed out and please accept this letter because it is very important for me. This inaccurate information is destroying my report! I hope we find mutual understanding and you will remove and recheck wrong accounts in my credit report. I would like officially to complain about as I do not recognize these accounts and inquires I have never gave any permission to any companies. Its pure Identity theft.

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 2021-01-07 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: FL

Complaint narrative:
I am very stressed out and please accept this letter because it is very important for me. This inaccurate information is destroying my report! I hope we find mutual understanding and you will remove and recheck wrong accounts in my credit report. I would like officially to complain about as I do not recognize these accounts and inquires I have never gave any permission to any companies. Its pure Identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TMX Finance LLC
State: TN

Complaint narrative:
I had 2 loans with them YEARS ago. 1 vehicle was surrendered to them and the other vehicle was totaled in an XXXX. I communicated this to them and told them where they could go get the totaled vehicle, should they desire. They leave me a VM EVERYDAY from this number : XXXX I want the calls stopped immediately. I owe them nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I continue to be unsatisfied with Citi 's prior charges-related response on their XXXX debt protection program fees. Even though this was subject to a consent order ( including paying mandatory prior period refunds ) in 2015 with the XXXX  they have refused that refund. The refund request was reasonable and the reply I got simply said I purchased on XXXX XXXX with no mention of consent. I do not believe I ever consented in any form to these charges. I am convinced they have failed to follow the consent order with my account and am still pursuing the applicable refund. 

Sincerely, 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 2021-01-07 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: MS

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX, XX/XX/XXXX, XX/XX/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 2021-01-07 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: MD

Complaint narrative:
I am assuming that the bureaus have been busy and haven't had a chance to review my dispute letter yet its been over 60 days I sent in my dispute regarding inaccurate items on my report and I still have not received any response yet. To be exact on XX/XX/2020 I sent in my dispute via certified mail. I feel like my disputes are being ignored. Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. It has been over 60 days I demand these accounts be deleted immediately. I would like to add that my information was impacted by the Equifax data breach. This is possibly an explanation of the inaccurate items on my report please help me solve this issue as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 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 am a victim of identity theft and Ive been trying to remove for months now and Items on my report still remain after several attempts. According to my research and attorney consultations they are in multiple violation of the fair credit reporting act and need to resolve this 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 2021-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
XX/XX/XXXX {$900.00} Called made a complain. My case was closed without notifying me. File a police report. Have all the information needed. Its now XX/XX/XXXX still havent been refunded. This is my direct deposit account. I am behind on all my payment s. Why did they allow 14 unusual activity to take place on 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 2021-01-07 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: MS

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BMO BANK NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Lost my debit card Also need to make @ least 2 internal transfers and been on the phone over 30 min & no closer to anything being accomplished Pretty sure I even missed a call from the police while they were XXXX around

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 2021-01-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
I have been trying to work with my lender but they continue to give me the run around. One week they advise they have everything they need and the next they ask for the same thing over again and I have to go back and tell them when it was sent and they mysteriously happen to find it.

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 2021-01-07 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Law Office of Brett M. Borland, P.C.
State: TX

Complaint narrative:
XX/XX/2021 Called XXXX Law Office of Brett M Borland, P.C. 

Amount {$590.00} Spoke to account manager. I told him I didn't agree with all the charges. But wanted to discuss settling the account. I told him the charges I had were incorrect. As we reviewed, and discussed the charges, he became argumentative and said too bad I should have disputed it when I moved out. He said I was being rude and condescending when I told him it's against Texas State Law to charge for items in an apartment lease that are considered wear and tear. He stated " Oh when did that become law ''. I told him what I would agree to pay and he blatantly said that wasn't going to happen. I then ended the call when he continued to talk over me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: AZ

Complaint narrative:
On XX/XX/XXXX I got a phone call from a person with the last name XXXX stating that I owed {$2100.00} they said that they had filed a court case and they were holding it until I paid the money they would also settle for {$950.00} or lower knowing that my father had passed away. The company said that their name was HSBC they said that the case number was XXXX however I was not able to find this case when I looked it up. The person I talked to today XXXX the XXXX XXXX was XXXX she did not give me a last name she said my debt was really old from XXXX to XXXX for a MasterCard through XXXX XXXX and through XXXX  XXXX XXXX they had my address my phone number my social security number my driver 's license number and my wife 's name their phone number that they called me from was XXXX. I told my wife to look up the information she can not find anything about this company except for that there's a bank named HSBC that's very reputable it's not a collection agency. when she called the number, the phone rang a few times before finally reaching a voicemail saying that there's nobody able to take the take the call at the point in time but if I left a voicemail they'd get back to me. they have not sent me any formal paperwork there's no documentation it's not on my credit report that these this dead even exists I I have I have two credit cards out right now and good standing I've called the companies I haven't worked with XXXX  XXXX XXXX since the XXXX and I could just tell that they weren't a real company and I'm just trying to report that

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I've been a victim of identity theft which results in unknown items and information 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 2021-01-07 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: CA

Complaint narrative:
I am a victim of identity theft and Ive been trying to remove for months now and Items on my report still remain after several attempts. According to my research and attorney consultations they are in multiple violation of the fair credit reporting act and need to resolve this immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
I received a letter on XX/XX/2020 from a firm called XXXX XXXX XXXX XXXX stating that they were the new owner and creditor for my " referenced account. '' The referenced account was listed as " PAYPAL ACCOUNT. '' After reviewing my e-mails and PayPal and XXXX accounts, I was not able to determine what the balance was from as I had not received any e-mails from PayPal notifying that I had a balance that needed to be paid. The only notification I received was an e-mail on XX/XX/2020 from PayPal stating that my balance had been sold to the creditor XXXX XXXX XXXX XXXX. 

The letter sent by XXXX XXXX XXXX XXXX dated XX/XX/2020 states that payment of the amount of debt must be paid within 30 days to avoid reporting on my credit report, and subsequent damage to my pristine credit history. 

The reason that I am writing a complaint for fraud is that balance in question had already been paid to XXXXPayPal in XX/XX/2020. There was not attempt by PayPal/eBay to notifying me of the balance they sold to XXXX XXXX XXXX XXXX of " Balance : $ XXXX '' as stated in the e-mail they sent notifying me of the sale of the balance on XX/XX/2020. 

While I was initially unaware as to what this balance could be when receiving the letter from XXXX XXXX XXXX XXXX, I determined that it was from the sale of a pair of shoes on XX/XX/2020 and the associated fees with the sale that created the alleged past due balance were paid prior to my transfer from XXXX to my bank account. 

In this case, I believe that PayPal and XXXX XXXX XXXX XXXX are both fraudulent operators. PayPal 's fraudulent activity including the sale of accounts receivables to XXXX XXXX XXXX XXXX in which they had already received payment from the initial customer. 

I believe that XXXX XXXX XXXX XXXX is behaving fraudulently by knowingly pressuring customers of PayPal who have had their fraudulent " balances '' sold to XXXX XXXX XXXX XXXX to pay these balances immediately due to the creditor 's threat of causing of harmful implications to consumer credit reports and scores if their payment is not made within 30 days of notification of the XXXX XXXX XXXX XXXX 's ownership of the balance and request for payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Conn's, Inc.
State: TX

Complaint narrative:
XXXX An unexpected Payment book arrived in U.S. Postal mail. I nor wife have ever shopped at Conn 's Appliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
On XX/XX/XXXX. I submitted a dispute on an old XXXX XXXX XXXX XXXX credit card that is no longer open with Experian. They have 30 day late marks on my credit report for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have called the creditor XXXX XXXX to have the statements of these dates sent. I was never 30 days late on this account. I submitted every statement from the dates listed above and the preceeding months to prove I was never 30 days late. Experian finished the report on XX/XX/XXXX saying that they arent changing anything. This account is also reported by experian to have a {$15000.00} balance which isn't possible because the card and account no longer exist. The dispute report number is XXXX. I need this rectified as it is hurting my credit and would like to apply for a mortgage!

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 2021-01-07 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: Receivables Performance Management, LLC
State: TX

Complaint narrative:
I have been told over and over again that I owe this debt and it has yet to appear anywhere let alone no notice from original company the said owed debt is owed to. I have lists of phone numbers the company calls from.

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 2021-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
My original complaint is XXXX that was filed on XX/XX/2020 where my account was locked on XX/XX/XXXX and closed by Bank of America on XX/XX/XXXX without warning and for no reason. I am still waiting for a check for over {$19000.00} a month later and for a XXXX XXXX owner it has caused a severe problem for me. I met with XXXX XXXX on the XXXX of XXXX and again yesterday with the bank president but they still could not supply me with any information on the check. I got an email from XXXX XXXX with B of A on XX/XX/XXXX telling me she was handling the case and I needed to contact her by the XXXX of XXXX. I called and emailed her every day and got no response but finally she called and left a message on the XXXX but I still do not have my money. This issue of closing accounts for no reason by B of A seems to be a practice they do to thousands. Your help is needed. 
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 monetary relief
Consumer complaint received 2021-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I SENT A DISPUTE LETTER TO XXXX  ON XX/XX/XXXX AS OF XX/XX/XXXX XXXX  HAS FAILED TO COMPLETE MY INVESTIGATION AND COMMUNICATE RESULTS WITH ME FOR THE FOLLOWING ACCOUNTS. 

1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX XXXX 5. XXXX  XXXX XXXX 6. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 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: Choice Recovery, Inc.
State: OH

Complaint narrative:
Notice for Proof of Claim Account : XXXX  XXXX  # XXXX, CHOICE RECOVERY INC # XXXX, CHOICE RECOVERY INC # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX To Whom it may Concern : Thisis a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment ofdebts States ( C ) No collection agency shall commence litigation for the collection of anassigned account, bill, or other evidence of indebtedness unless it has taken the assignmentin accordance with all of the following requirements : Credit contracts are non-assignableeven if the contract has a clause for assignability because it violates the contract Law.Where there is no fair valuable consideration given, the contract or agreement is void abinto. The debt is non-transferable. If it is a contract for credit or goes to the character of theparties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment wasmanifested by a written agreement separate from and in addition to any documentintended for the purpose of listing the account, bill, or other evidence of indebtedness withthe collection agency. The written agreement shall state the effective date of the assignmentand the consideration paid or given, if any, for the assignment and shall expressly authorizethe collection agency to refer the assigned account, bill, or other evidence of indebtednessto an attorney admitted to the practice of law in this state for the commencement oflitigation. The written agreement also shall disclose that the collection agency mayconsolidate, for purposes of filing an action, the assigned account, bill, or other evidence ofindebtedness with those of other creditors against an individual debtor or co-debtors.XXXX  XXXX XXXX XXXX XXXX XXXX XXXX : XXXX v. XXXX XXXX 13 Id 646. Once the Creditorwrites off a debt, it can not be assigned or Collected. Since this is an error I demand that yousend me the following proofs. As you are obligated to do in accordance with the Fair DebtCollection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have30 days to supply these proofs, if more time is needed please contact me by certified mailand I will extend you 15 extra days. I also request to see a certified copy of any contract oragreement between you and the original creditor that gave you the right to collect this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
I have requested the payoff release of lien XXXX for the amount of {$10000.00} per request from my lender on a hud 1 and title and tax buyer and taxes and my buyer is ready to close. The XXXX XXXX Police where the house is located has been watching the house because a squatter was living in the house when they entered XX/XX/XXXX. 
And the taxes have to be redeemed right away to avoid me loosing the house to the tax buyer for {$27000.00}. 
I would like the settlement payoff to be faxed to XXXX for {$10000.00} on property address XXXX XXXX XXXX XXXX XXXX XXXX XXXX because the taxes according to my County Clerks Office must be redeemed XX/XX/XXXX and I do not want to loose my buyer and the house is vacant to vandalism. My investor agreed to do this for me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation