vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
This is the second or third time I have had to address the issue of unverified lack of documented proof of accounts listed below. 
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FDCPA SECTION 805 ( b ) & SECTION 809 ( b ) Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Debt and Collection Practice Act regarding your undocumented UNVERIFIED NO PROOF OF CLAIM information from my consumer file. I intend to pursue litigation in accordance with the FDCPA Section 809 ( b ), FTC opinion letter Cass from LeFevre to seek relief and recover all monetary damages that I may be entitled to if the UNVERIFIED NO PROOF OF CLAIM items listed below are not deleted immediately. Once again there is still no PROOF OF CLAIM and the items listed below still remain on my credit report. You are required under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Furthermore, you have failed to provide any transfer title of ownership on the charged-off written of the accounts. Please be advised that FDCPA Section 809 ( b ), FTC opinion letter Cass from LeFevre The law is very clear as to the Civil liability and the remedy available to me Consumer Protection afforded by the FDCPA if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FDCPA, FCRA, and FTC. I demand the following accounts deleted immediately. ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX BAL {$25.00}, XXXX # XXXX, XXXX XXXX XXXX XXXX {$1500.00}, XXXX 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 2021-06-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
Notified lvnv funding that debt was not mine and they are still trying to collect i would like the debt removed from all three credit burros and stop all attempts to collect

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 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: MO

Complaint narrative:
Since XX/XX/2021 disputes have been getting submitted and I have been unsuccessful with them disputing this information. I know that it is not being disputed based on the fact that the last reported date is not updating. These accounts, personal information and inquiries being disputed are not accurate and showing several errors and discrepancies. For them to ignore my disputes is disregarding my issues as a consumer. The burden of proof is on the Bureaus and they are not providing any documentation of showing if they are even trying to investigate the issue. I know that XXXX  will try and say that the representative is unrecognized because they have it bad with trying to stall and not investigate consumers disputes. Therefore I have attached my Driver 's License of proof of my identity.

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 2021-06-26 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SIRY INC., DBA SIRY AUTO GROUP
State: CA

Complaint narrative:
I purchased a vehicle on credit from Siry Auto Group XX/XX/2020. On XX/XX/2020 they left me a voicemail stating the bank rescinded the contract and to return the vehicle. On XX/XX/2020 I recieved a letter stating " I was currently in default, I am delinquent, demanding payment in 15 days or legal proceedings would commence, and they also stated they the car lot also rescinded the contract on XX/XX/XXXX. '' On XX/XX/2020 I came out to my vehicle and I witnessed a tow truck the car lot owner seizing my vehicle 40 days after I drove off the car lot with my vehicle. They reported the vehicle repossessed to the police department. Six months passed by I never heard from the car lot who seized my vehicle. I served them papers XX/XX/2020 summoning them in a federal district court which is now in litigation. Im a consumer, creditor and this is abuse. I've been injured and it has put a restraint on my life and family. Siry Auto violated my consumer rights and the law when they had no present right to seize the vehicle also sending abusive letters and leaving deceptive voicemails stating I was in default when I disputed the alleged debt. Went into the car lot and extended my credit as a creditor and they took adverse actions against me. Under Equal Credit Opportunity act, Fair debt collection practices act, Consumer credit cost disclosures there was multiple individual actions taken place against the consumer

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: U.S. BANCORP
State: NJ

Complaint narrative:
On XX/XX/2021, I opened a new checking account at US Bank branch at XXXX XXXX, UT with a promo code XXXX that gives me {$300.00} after meeting certain requirements. From the fine prints available at opening this account, the requirements are : 1. open a new checking account other than student or safe debit account by XX/XX/2021 ; 2. complete recurring direct deposits that total {$3000.00} or more within 60 days of account opening ; 3. enroll in e-statement by XX/XX/2021. 

For requirement 1, my checking account is the basic easy checking account and I'd never had a connection with US Bank before. Therefore it is a new checking account of eligible type. 
For requirement 2, I made 3 direct deposits of {$2000.00} each that total {$6000.00} on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, respectively. Therefore recurring direct deposits totaling {$3000.00} or more were completed within 60 days of opening the account. 
For requirement 3, I enrolled e-statement when I opened the account. Therefore it is met, too. 

The fine prints of the offer say the bonus will be deposited within 60 days after all requirements are met and verified. After more than 3 months I met all the requirements, I still didn't receive {$300.00} bonus. I made multiple calls over the past 3 months to US Bank but it didn't get solved. Until XX/XX/XXXX, I got a call from US Bank and the person in the call told me I did not meet the requirement because I had to make direct deposits of at least {$3000.00} in each single deposit. 

For such obvious misleading and made-up excuse of not grant me the bonus, I tried to have some questions clarified in the call but that person failed to do so. The fine prints of the offer clearly say " direct deposits that total {$3000.00} or more '', by which a normal person would interpret it as " multiple deposits as long as they add up to at least {$3000.00} ''. But that person stubbornly insisted it has to be one single deposit of at least {$3000.00}.

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 monetary relief
Consumer complaint received 2021-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Sequium Asset Solutions, LLC
State: IL

Complaint narrative:
Steady calling me, multiple times a day, for the last few weeks. Phone automatically filters it as spam/scam. Researched numbers ( they call from several numbers, call from new number after I block old number ). Called asking who they contracted with, asked them not to call me. They kept grilling me for personal information which I refused to give. Never received these calls now I receive them all the time. 

Company goes by the name XXXX. They need to stop calling my number and harassing me. I dont owe anything to anybody.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 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: GA

Complaint narrative:
My information was leaked in the Equifax data breach, I have multiple unauthorized inquiries on my Equifax report that I have been requesting to get removed. These inquiries are fraudulent. I have followed all the necessary steps according to the Equifax website and the identity theft.gov. Made a police/identity theft report, sent in proof of identity by mail, etc. Equifax refuses to comply with the law and initiate a thorough investigation on my credit profile. I have sent in multiple letters with supporting documents and proof. I spoke to an Equifax rep over the phone and he says that they haven't received any letters since XXXX of XXXX. My letter ( s ) regarding this matter, was sent in XXXX and in XX/XX/XXXX. It is the end of XXXX and I still have not received no update or notification of an investigation. This is unacceptable, and it is effecting my credit worthiness in the middle of a pandemic. I demand that you delete these inquiries at once!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 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: CBC Companies, Inc.
State: OH

Complaint narrative:
This is the second or third time I have had to address the issue of unverified lack of documented proof of accounts listed below. 
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FDCPA SECTION 805 ( b ) & SECTION 809 ( b ) Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Debt and Collection Practice Act regarding your undocumented UNVERIFIED NO PROOF OF CLAIM information from my consumer file. I intend to pursue litigation in accordance with the FDCPA Section 809 ( b ), FTC opinion letter XXXX from XXXX to seek relief and recover all monetary damages that I may be entitled to if the UNVERIFIED NO PROOF OF CLAIM items listed below are not deleted immediately. Once again there is still no PROOF OF CLAIM and the items listed below still remain on my credit report. You are required under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Furthermore, you have failed to provide any transfer title of ownership on the charged-off written of the accounts. Please be advised that FDCPA Section 809 ( b ), FTC opinion letter XXXX from XXXX The law is very clear as to the Civil liability and the remedy available to me Consumer Protection afforded by the FDCPA if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FDCPA, FCRA, and FTC. I demand the following accounts deleted immediately. ACCOUNTS : XXXX  XXXX  XXXX  ( XXXX  ) # XXXX, XXXX XXXX XXXX XXXX BAL {$25.00}, XXXX  # XXXX, XXXX XXXX XXXX XXXX {$1500.00}, XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
Payment was not authorized my XXXX wife was trying to navigate my phone the phone. The app glitched and sent money to wrong person. I did not authorize this transaction and they refuse to help me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
I rented an income restricted apartment and lived out the full lease term with no monies owed except a lost pool key. The pool key was {$25.00}. I advised of my departure in writing but signed for another term granted I could find employment or continue with my unemployment benefits. I was not able to do either, so the lease was not fulfilled because I would then have no way to pay for it. I spoke with the front office the day I moved to make sure no issues were left unsettled except for the payment of the pool key. Months later I started getting calls stating that I owed {$1900.00} for terminating my new lease. I have spoken to the debt collector and to the apartment management on numerous occasions. There was a new management company that had taken over all the accounts for the apartment. I spoke with an employee who happens to be the same employee that I signed the new lease with. She stated that there was a glitch in the system that should have canceled out the new lease since I had no way to pay for the new apartment. So the management acknowledges that this debt is not valid. The debt collector states that I need to have the apartment call them to cancel the debt since they are the ones who reported it. I have disputed this debt numerous times with the credit bureau. The dispute results keeps coming back that the apartment shows it as a valid debt. Ive been dealing with this since 2016. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BBVA FINANCIAL CORPORATION
State: VA

Complaint narrative:
I opened a new checking account with BBVA on XX/XX/XXXX after my last account was compromised. I opted out of any overdraft to be paid. I incurred a overdraft fee on XX/XX/XXXX because I didnt have enough fund to cover my life insurance payment. The overdraft fee was {$32.00}. My account was brought current. On XX/XX/XXXX I incurred a another fee on XX/XX/XXXX for {$32.00} also. My account was brought current. On XX/XX/XXXX my account incurred a overdraft fee of {$32.00} from a life insurance payment ACH. On XX/XX/XXXX a deposit of {$100.00} was sent to my account via XXXX XXXX, my account was in the positive. On the XX/XX/XXXX I received {$2200.00} from the IRS so my account was also still current at the time of the deposit. On XX/XX/XXXX a item my the XXXX was presented for {$250.00} and the bank paid the item without my authorization. My overdraft was off. I opted out of it when I opened my account then all of a sudden. BBVA has engaged in illegal practices continuously. When I called I was told it was turned on by default. Which makes no sense. The call drops and when I call back and get a representative the call hangs up this happened 3x.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 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: IL

Complaint narrative:
For the past couple of months I have tried to get two late payments updated to paid on time and not late. I spoke with XXXX credit services and the XXXX of XXXX reviews in the credit department. Because of my recent great credit history she agreed to updated the payment status to agreed and not late for payments in XXXX and XXXX of XXXX Credit agencies still haven't updated the information yet and I have sent in numerous letters to the bureaus and nothing yet.

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 2021-06-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CALCON MUTUAL MORTGAGE LLC DBA ONETRUST HOME LOANS
State: FL

Complaint narrative:
I purchased my home in XX/XX/XXXX. My first payment was due XX/XX/XXXX. The first payment was made to CalCon dba One Trust Home Loans on XX/XX/XXXX. 

XX/XX/XXXX I was notified that my loan was being transferred for servicing to XXXXXXXX XXXX payments were to be sent to XXXX on XX/XX/XXXX. 

XX/XX/XXXX a new transfer letter was sent stating that my loan was being transferred from CalCon ( acct XXXX XXXX to CalCon ( acct XXXX ). So on XX/XX/XXXX I made the XXXX payment to CalCon ( XXXX, as they they stated acct number XXXX would accept payments until XXXX ) On XX/XX/XXXX I received an additional transfer letter stating that the XX/XX/XXXX letter was sent in error and I should not send payments to the new account number ( XXXX XXXX, but should continue to make payments to acct XXXX. 
I then made my XXXX payment to XXXX on XX/XX/XXXX. 

XX/XX/XXXX, I received another transfer letter that the loan was going to XXXX. 

Throughout this process - XXXX was not notified they did not have my account and every time I called CalCon they said the account was theirs and not XXXX 's account. 

The issue is now XXXX actually does have my servicing of this loan but they are in belief they have had it since XXXX and they have now reported me as making a late payment and as of XX/XX/XXXX ( that is the date the payment was reported late ) my credit score has just dropped XXXX points as a result. 

The other issue of concern is that both XXXX and CalCon have been reporting to the credit bureaus the same loan and it looks as if I have over {$400000.00} in mortgages and I only have a {$200000.00} loan.

At first it would have affected my ability to refinance as it looked as though I had 2 mortgages ... now it is seriously hurting me because I am being reported as late and I have made all of my mortgages on time. 

I sent emails to both companies and the only response that I receive from CalCon is an automated " we have transferred you loan to XXXX effective XX/XX/XXXX and if you have any issues, you need to contact XXXX ''. I have received this automated email at least 3 times and no one is addressing their mistake and the financial harm that they have caused.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I called Bank of America on XX/XX/XXXX @ XXXX XXXX  EST and spoke to an associate named XXXX from the South Carolina call center to question a monthly maintenance fee that was charged on my savings account. The associate placed me on a silent hold for 14 minutes. I asked if she was still with me on the line. XXXX responded yes. XXXX stated that I was charged the {$12.00} dollar fee because I did not have a checking account and this is why I was not under the BOA Rewards Plus program. I advised that I do have a checking and savings account with BOA and I was always a member. I asked to check the history since I was always a Rewards member. She was not professional and did not want to give me the courtesy credit. When I asked for the supervisor, she was laughing at me. I stated what was so funny? At this point, I felt I was mistreated and not valued as a client. This is not the XXXX XXXX XXXX, it's a poor customer contact. I waited for a supervisor for another 15 minutes until I spoke to XXXX. I advised the supervisor to listen to the call and provide the necessary coaching and possibly disciplinary action that is required to change the associate 's behavior towards customers. Even though I received the adjustment, I am not satisfied with the level of treatment provided by BOA and I will close the account and move my money somewhere else. This is unsatisfactory and not acceptable. The supervisor did not explain what will happen in the foreseeable future if I would be billed the recurring {$12.00} dollars on a monthly basis. In addition I have never received notification that I was removed from the program. BOA just charged me without proper notification.

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