vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-22 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: MI

Complaint narrative:
This complaint to TransUnion result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed or corrected from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX  XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on 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 non-monetary relief
Consumer complaint received 2022-02-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OR

Complaint narrative:
We deposited checks into our savings account ( USAA ) but when the issuing bank ( XXXX ) erroneously decided to reject the checks, USAA gave us a {$20.00} fee as well as a deposit limit for XXXX  months. What happened was the check signer had a slightly different signature from the one on file, but it was all cleared up and XXXX said we could redeposit the checks with no problem. After speaking to numerous customer service agents and even the CEOs office at USAA about the issue, they decided that they didnt do anything wrong and their judgement stands. But because of the arbitrary deposit limit, we could not deposit the checks, forcing us to open a new account with another bank. This has caused us much anxiety.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN

Complaint narrative:
I have contacted Wakefield and Associates several times about this account. They refuse to respond to my written notification asking for verification of debt. I have no knowledge of this account and need it removed asap. The original debtor, status, payment and close date are different on all 3 reports. This is in direct violation of the Fair Credit Reporting Act. I am requesting that this debtor be contacted to provide resolution. Below is the information as report on my credit report about this account. 

XXXX XXXX XXXX XXXX  XXXX Opened XXXX Reported Unknown Condition

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing in reference to the 30 day late payment marks of XX/XX/XXXX - that XXXX XXXX XXXX supplied to the 3 national credit bureaus XXXX, Equifax and XXXX ( I have circled the items in dispute, on the attached copy of my credit reports. ) On XX/XX/XXXX - I mailed a payment check to XXXX XXXX XXXX  dated : XX/XX/XXXX for the amount of {$660.00} which was to cover the XXXX payment in question. - I explicitly requested the post office to post-mark the envelope which they did was clearly marked as XXXX XX/XX/XXXX ( See copy of Check and Postal Receipt attached. ) On XX/XX/XXXX I noticed the late payment marks on my credit bureau reports, - I immediately contacted XXXX XXXX XXXX via phone but to no avail. Finally on XX/XX/XXXX XXXX XXXX XXXX acknowledged receipt of payment but they only posted it as a payment received on that date. 

On XX/XX/XXXX I sent a letter with certified mail to XXXX XXXX XXXX requesting them to correct the erroneous reporting. ( See attached my letter to XXXX XXXX XXXX  ) On XX/XX/XXXX XXXX XXXX XXXX sent me back a canned letter declining to make any changes. ( See attached the letter from XXXX XXXX XXXX ) On XX/XX/XXXX I disputed this late payment mark with XXXX but they seemingly only forwarded my dispute to XXXX XXXX XXXX. On XX/XX/XXXX I got a response from XXXX that XXXX XXXX XXXX once again refused to update my report. ( See attached dispute response from XXXX ) Attachment Summary : 1 ) Copy of my 3 bureaus credit reports circled the erroneous reporting 2 ) Copy of dated check sent for payment 3 ) Copy of Postal Receipt 4 ) Copy of my letter to XXXX XXXX XXXX  5 ) Copy of the response letter from XXXX XXXX XXXX 6 ) Copy of response letter from XXXX On XX/XX/XXXX I got a response from XXXX XXXX XXXX thru the CFPB- with incorrect reasoning of why they wont remove the derogatory reporting ( Completely disregarding the Date stamped Postage Etc. ) The letter was signed by " XXXX - Consumer Experience Advocate '', with his direct cell phone number XXXX.- where I can call about this complaint, but when I called the phone number XXXX the voice mail says that affective XX/XX/XXXX he no longer works with this division at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 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: AmeriCollect
State: MI

Complaint narrative:
On XX/XX/2020, I mailed a letter to Americollect to verify my debt in which they did not respond in a timely fashion. I contacted the CFPB on XX/XX/2020 regarding the company not responding to several letters asking them to please verify the debt the company then responded with a letter attached but the letter was not a bill, nor did it have my signature on it which makes it unverified.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
Cash net keep saying that I owed them XXXX dollars and they said the account was on XX/XX/2018 and I told them I did not get no loan from them and they still calling me and harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/XXXX we were charged {$250.00} from our mortgage company claiming we did not have home insurance. However, we did have home insurance. When our mortgage was sold to them in XXXX they claimed we didn't have insurance coverage. 
I sent a hard copy of a letter and evidence of insurance coverage on XX/XX/XXXX to prevent being charged the {$250.00}. They charged us anyways and claimed they never received anything. 
I sent a copy through the email they provided on XX/XX/XXXX I had our insurance agent send a copy through the email they provided XX/XX/XXXX I emailed again on XXXX On XX/XX/XXXX I had our insurance agent fax a copy over on the number they requested. 
I have also called several times. The last time I called the representative told me they did receive evidence of insurance and they would send it in for processing and I would receive a refund in 10 days. Of course that never happened. I just tried to call again today to inquire and their number isn't working. I have been trying to fix this for 6 months and this company just straight up charged us for no reason and is unable to fix the situation even though the required evidence of insurance has been provided to them numerous times in numerous methods ( online, email, fax, and mail ). I don't know what else I can possibly do.

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 2022-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Re : You are in violation under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated Credit Information and 15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy.

To Transunion Recently i did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter.

1. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO XXXX XXXX Account Number : XXXX Please remove it from 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 non-monetary relief
Consumer complaint received 2022-02-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc.
State: NC

Complaint narrative:
On XX/XX/31, I sent a notice to validate to Medical Data Systems in regard to several items listed on my credit report under their collection. As a response, Medical Data Systems provided itemized medical records and balances obtained from the local hospital or services provided and medications received. They advised that the response was verification pursuant to Fair Debt Collection Practice Act, however this is a violation of my HIPPA rights. Medical Data Systems did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights and therefore should not be reflected on my credit profile.

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 2022-02-22 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: VA

Complaint narrative:
This is an UPDATE with new information. Pursuant to 15 USC 1692g, I requested a reinvestigation of my consumer report for accurate and fair reporting. I still have not been furnished with ORIGNIAL copies of my contract signed with my SIGNATURE on it. Instead, I have received statements, which does not indicated that those are my accounts. The company is in violation of 15 USC 1692g, as I, as the consumer, did not verify the accuracies. The " statements '' showed that the accounts are accurate. Who confirmed it? Only I as the consumer have the right to verify if an account is mine. I also requested no E-OSCAR verifications. The company is also in direct violation of 15 USC 1681 because it states that FAIR AND ACCURATE reporting. Also according to 15 USC 1681i ( 5 ) ( A ), the information on my consumer report is supposed to be REMOVED if it is not verified. And only I as the consumer can verify the information, as I am the one who " signed '' the alleged contracts. Also pursuant to 15 USC 1681n, I am entitled to monetary compensation PER VIOLATION due to willful negligence of the company not properly responding to my request as a consumer. I WILL exercise my rights as a consumer and pursue the matter in court if need be.

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 2022-02-22 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: MI

Complaint narrative:
This complaint to Experian result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed or corrected from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX  XXXX  XXXX Balance - XXXX  XXXX XXXX XXXX Balance - XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2020 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 non-monetary relief
Consumer complaint received 2022-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I have been unable to access our online business banking account with Truist since XX/XX/22. Today is Tuesday XX/XX/22. I was told, after waiting over an hour on hold, that it would take 3-5 business days possibly longer due to the recent merger, to resolve the issue. I need to be able to access these accounts in order to run our business.

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 2022-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
n accordance with the Fair Credit Reporting act choice recovery # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

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 2022-02-22 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I am almost 3 months behind on the private student loans that I have kept in good standing with through interest-only payments and the payment amount was recently going up because I completed the recent 6-month program. When this happened I recently was able to get into my own housing because I was living with my parents for the past 4 years and was able to afford these payments. Since my expenses went up I was unable to afford the payments I was currently making and asked if there were any other programs to help me keep my loans current and there weren't. They kept telling me to call back later to see if anything changed and every time I called there wasn't in between these times my mom ( co-signer ) and I would get at least XXXX calls a day each because it was delinquent. Now it is about to go the collection agency and I called again and still, there is nothing they can do. I spoke with supervisor XXXX XXXX of Navient to complain about a call earlier that was made to my mom and come to find out it was he who spoke to her and was demanding her to pay and make some type of arrangement and that it was her responsibility since I was not cooperating which is not true. Every time I made a financial report with the representative my disposable income is only about {$160.00} and they are wanting me to make $ XXXX  monthly payments at the least which I obviously can not afford. When I spoke to the supervisor XXXX, he immediately had an attitude and was in defense and I had to hang up because he was very argumentative. I also had reported having her number taken off of the auto-dialer alleviate the number of calls she was getting. I told him I was trying to work with them and he basically said they can not go any lower and that was it. If it wasn't for my mother as a co-signer I would let these loans go delinquent She is on social security and can not afford to help me financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Experian credit bureau is decreasing my credit score for paying my bal. to zero. I spoke with several membership dept. Reps. on XXXX XXXX I was told they couldn't help me. I pay my monthly credit card on time every month now I've paid this card balance down to zero, that is active and I use every month. Now my credit score is decreased by -6 due to paying this opened and paid on time every month credit card. They told me to not pay down monthly balance to zero. Because their system is sensitive and it's thinking this account is closed. I'm like really.. make it make sense..I 'm suppose to carry a balance on this card..because your system think this acct.is closed. So, I'm being punished for paying my credit on time and paying the balance down to zero. They stated they couldn't dispute this. I'm Not having any other problems with the other two credit 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 2022-02-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Capital one charge off entry on my credit report for {$690.00} which is fraud. 

XXXX XXXX XXXX has an account for {$110.00} account # XXXX that is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: KS

Complaint narrative:
it is my understanding that the mortgage company has to provide 30 days notice when changing service providers. However, I received a letter on XX/XX/2022, that FreedomMortgage has transferred the loan effective XX/XX/2022, to XXXX XXXX XXXX XXXX XXXX XXXX. In addition, the letter was dated XX/XX/2022. Since I have ACH/electronic payment scheduled, I may have to pay the mortgage twice.

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 2022-02-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This issue s regarding FICO! The XXXX XXXX XXXX is reporting a lower credit scores than deserved for my credit criteria. Advantage credit scores are normally lower than FICO. FICO is reporting lower scores that the Advantage system. I addressed problems with them directly for all three credit bureaus Transunion, XXXX, XXXX  XXXX. I have zero late payments on my account history. I have only XXXX collection account on each bureau which needs to be removed and corrected. I have hired XXXX attorneys, XXXX Credit repair companies, send documentation and contacted you several times about my credit profile reporting wrong info and lower credit scores because of this. I was so upset I called them a credit XXXX. Because of the blatant disrespectfulness in ignoring the attorneys, lying to the CFPB, and utter disregard for timely handling the account with great digression within 30 days allowed based of the Fair Credit Reporting act. They refusal to be cooperative with removing and correcting errors and no disregard for how there actions have impacted me personally. I want this infringement corrected 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 non-monetary relief