vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-05 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: CA

Complaint narrative:
XXXX XXXX has sold my account to XXXX XXXX XXXX ( XXXX ) for collections. I have disputed this account with all credit bureaus. This account was paid in full through my XXXX bank account on XX/XX/2018 before account was even sold to XXXX. I have mailed proof of bank statement certified mail to all credit reporting agencies TransUnion, XXXX and XXXX  as well as XXXX. Please assist me in seeing that this issue is resolved and account is removed from my credit file.

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 2021-08-05 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: GA

Complaint narrative:
Equifax is in Clear violation of FCRA 15 USC 1681i ( 5 ) ( B ) Equifax REINSERTED previously deleted material on my consumer report which is a form of admission. I have disputed with them several times and they keep saying the record was directly furnished from the bankruptcy court. That is a lie. I have proof from the courthouse as well as a previous report from equifax that shows the public record not on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 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: MA

Complaint narrative:
In my XXXX credit report shows that there is a lease from ( XXXX XXXX  XXXX ). For a quantity of {$8300.00}. Loan that I didnt know anything until I receive my credit report last month. Reason of why I believe that my identity was stolen and used for that. Thought I already talk to the company about it and all they said was that I had to make a police report first.

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 2021-08-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I called customer service about trying to get some late payments off my credit report from last year due to COVID and my wife not working at that time. The lady one the phone was very nice but she could not see anything on my account past the last 6 months and that my account is now current. I was advised to contact the Capital One 's executive resolutions department, I sent them emails with no response. The dates that Im trying to remove are from XXXX XXXX XXXX which were during the pandemic. My account is now current and those late payments are effecting my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-05 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: FL

Complaint narrative:
On XX/XX/2021 I submitted a complaint against TransUnion and XXXX however I received a response that was appalling and definitely did not demonstrate protection of my consumer rights. The response I received regarding complaint ID XXXX ( TransUnion ) and complaint ID XXXX ( XXXX ) was " company responded there is a unauthorized third party on XX/XX/2021 ( XXXX ) and XX/XX/2021 ( TransUnion ) ''. This response appears to be nothing more than a stall tactic used to deceptively violate my consumer rights because the CFPB has obviously given these two bureaus a right to treat me as if I am ignorant and unaware of my rights by even allowing such a response to be generate and sent be to me. There is no way an unauthorized person would create an account to help me with inaccuracies on my credit report. The response is unacceptable and a direct violation of my consumer rights. I demand that all the referenced accounts and inquires be deleted from my credit report immediately. XXXX XXXX, which is one of the inaccuracies reflecting on my consumer report has already been addressed by XXXX XXXX in a previous complaint, stating that this account will be removed from my credit report however it still remains 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 2021-08-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: AZ

Complaint narrative:
HSBC Bank knew I had problems with XXXX  XXXX and had a XXXX XXXX. They were suppose help me to make sure I did not get L/C and fees during XXXX and XXXX However on XX/XX/XXXX they charged me {$28.00} for being late with my credit card payment. I even called them numerous times in XXXX and they advised I would not get charged a late fee. This was for Card number XXXX. The card had since been replaced because of fraudulent charges. I had advised I had no income to pay the full balance of {$2000.00}. Nonetheless they still charged me {$28.00}. Moreover they also charge me a finance charge of {$1.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 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: Rent Recovery Solutions
State: AZ

Complaint narrative:
This is not a duplicate! I did not request proof of validation, my concern is directly what rent recovery solutions llc reporting to the credit bureaus. they reporting two different account names and 2 different original creditors. please respond only to my concern.

XXXX  say the account name is Rent Recovery Solutions , LLC , but XXXX  just report Rent Recovery Solutions, that's two different names technically.

Also on XXXX  Rent Recovery Solutions LLC reporting their self as the original creditors which is inaccurate On XXXX  Rent Recovery Solutions reporting The XXXX, both can't be accurate. 

How was my previous dispute concerning to these matters to the credit bureaus was verify as accurate, you fail to correct the inaccuracies or delete them!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
Credit Card company is USAA My primary Bank is XXXX XXXX Used my XXXX XXXX online Bill Pay to make payment to USAA. I have used this system many times to pay this bill and has never been a problem. 
Payment of {$250.00} was made on XX/XX/XXXX. 
Two weeks later, I received notice that my credit card payment was overdue. 
Checked my XXXX  account and saw where the money had been taken out of my account. 
Contacted USAA and they stated that they could not find the payment and that I would need to provide proof that payment was made. 
Uploaded a copy of the 'ACH Item Detail ' on the evening of XX/XX/XXXX to the USAA web portal. 
Contacted USAA XX/XX/XXXX to check the status and was told they could not locate the ACH Item Detail I had uploaded. They stated they would look for it. 
Received a call from USAA collections department the morning of XX/XX/XXXX. They stated my credit card was overdue and that if I did not pay the XXXX bill, they would be reporting me to the credit bureaus. 
Only after explaining they USAA had lost my payment and there was an active investigation did they bother to look at my account and see that there was a case. 
Called USAA the morning of XX/XX/XXXX. Was told that it would be a 'couple more days ' for them to resolve the issue. 
In the meantime, they have frozen the credit card and I can no longer use it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
I paid an extra payment of {$10000.00} on ONE check noted to principal ONLY. My payment was split up as partial principal and partial house payment - I received 2 email notifications which is what brought it to my attention.

I was told the amount of {$1300.00} was applied as a regular payment with interest when I called to questions the split notice even though my payment is on autopay and was just paid for this month on the first.

100 % of my {$10000.00} should have been applied to Principal.

Only {$8900.00} was applied to my principal. 

LOAN NUMBER XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I would like the {$1300.00} applied to the principal ONLY on the address listed as indicated on my check and payment stub supplied with the check. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

XXXX XXXX XXXXXXXX Inquired on XX/XX/2020 Inquired on XX/XX/2020 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
Not really seeing this issue on your check list prior to this page. But I put money into my Huntington Bank Savings account on XX/XX/XXXX in the amount of {$21000.00} on XX/XX/XXXX I received an email ( attached ) saying " Bring this coupon to a branch, visit a branch before XX/XX/XXXX. Hurry, this is a limited time offer, and you need this coupon code to get started. '' and get a {$100.00} bonus. 
I showed XXXX at the bank on XX/XX/XXXX, the email and she says I would get the money in 5 to 10 days. No money, so I talked to a XXXX XXXX on XX/XX/XXXX and she says it takes 60 days from XX/XX/XXXX to get the {$100.00} Bonus. No money, went back in XX/XX/XXXX talked to XXXX and he says he has to send email to there back office. Then they tried to say the offer didn't start til XX/XX/XXXX and I disputed it with XXXX that the email says bring coupon in a branch BEFORE XX/XX/XXXX Which I did and about a week later they said that it had been approved for me to get the {$100.00} bonus money. No money, so on XX/XX/XXXX I spoke with XXXX XXXX at the Bank and she says the {$100.00} would be deposited in my savings account in 7 to 10 days. No money, On XX/XX/XXXX I told XXXX XXXX no money yet, she told me the guy was on vacation and back on XX/XX/XXXX No hear from anyone, called the bank XX/XX/XXXX and XXXX XXXX says she would email them again. NO Hear from them yet and NO MONEY.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-05 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: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
Online order from XXXX for the amount of {$100.00} on XX/XX/2021 WAS NEVER RECEIVED. I have called numerous times to advise Credit Card company as well as merchant. CC continues to charge me for an item never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
The original loan was in my brother 's name XXXX XXXX account # XXXX. My brother died in XX/XX/2020 but I took up the payments on the car loan. I was asked to provide a death certificate to the loan company. This info was sent to BridgeCrest as requested and I continued to make the Monthly payments on the car loan. 

On XX/XX/XXXX the car was repossessed in XXXX at the home of my deceased brother 's and my sister home, although I have been making payments continually every Month.

My bank ( XXXX XXXX ) filed a fraud complaint with this company over the money that was paid and was being drafted out of my checking account. I was able to recover only 2 Months worth of payments even though I have made well over 9 Monthly payments to this company. 

I want a FULL REFUND of ALL monies paid and I have electronic receipts as proof of all payments to this loan. This company is engaging in unfair business practices if they are accepting Monthly payments yet still repossessed the car! I want the car OR a FULL REFUND of my money no other resolutions will be accepted! 

I have previously spoken to a representative from BrideCrest by the name of of Ms. XXXX  who stated that she was a Manager.

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 2021-08-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
Since XXXX, my payments to TD Bank ( XXXX XXXX XXXX XXXX Acct ) have been purposefully misapplied by TD Bank during the no interest promo period for two promotions expiring XXXX and XX/XX/XXXX. I have consistently paid more than my minimum due with the explicit direction to apply the overage to the XXXX and XX/XX/XXXX expiring promos. TD bank reps advised and confirmed they would apply my over payments as such and they have not. Ask them to provide the recorded conversations from the call center. They are applying the extra to all promos and this is incorrect. All payments over the minimum I was advised numerous times that the customer can apply to specific promo balances. After numerous calls to customer service and an email to " escalation management '' the saga continues to force me into being subject to higher interest rates based on its refusal to provide payment reconciliation and avoiding addressing the issue by conflicting messages by customer service reps/supervisors. Today alone, I was the phone for over an hour and transferred to 4 different persons and no one has answers. Customer service reps and supervisors now allege there are " bank laws '' that preclude them from correcting the mistakes. When I asked for the bank law citation or rule in the agreement, they refuse to substantiate the bogus reasoning or provide relevant references. This baffle them with confusion and hope they go away tactic is unacceptable and is an example of deceptive trade practices. 
Please help me resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 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: NC

Complaint narrative:
Please see the attached document.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: McCalla Raymer Leibert Pierce, LLC
State: GA

Complaint narrative:
This is a complaint about XXXX XXXX XXXX, although theyre a law firm, in this case by their own admission they are acting as a collection agency, therefore my complaint against them as a collection agency. I have received a letter from them on XX/XX/XXXX, marked as Exhibit 1, alleging I owe a certain amount of money to my Mortgage Company and they asked me to request verification of this alleged debt within 30 days of their letter, in response I sent a letter marked as Exhibit 2, which hat they received on XX/XX/XXXX. According to their letter, I had 30 days to verify the debt which would give me time until XX/XX/XXXX. To my dismay I have received a non-Judicial foreclosure notice dated XX/XX/XXXX. Marked as Exhibit 3. 
This is a clear violation of FDCPA which is a federal law. I would like you to look into this matter and take appropriate action against the collection agency whos responsible for this violation. 
Thank you for your time, looking forward to hearing from you soon. 
FYI, XXXX XXXX was known as the foreclosure mill in the state of Georgia during the 2008 financial crisis.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
After calling Equifax and copying my license and personal information they said it was not enough to prove my identity then they sent me a letter with information to copy and mail back to them. After doing this again, they sent a second letter stating they still did not have enough information and asked me for the same records a third time. All I want is for them to unfreeze my credit and/or let me log back in to do this myself. They wont give me an appropriate link to change my password. They are asking again for a copy of my drivers license and utility bill which I dont have because I dont pay any bills

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 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: CA

Complaint narrative:
XXXX XXXX has sold my account to XXXX XXXX XXXX ( XXXX ) for collections. I have disputed this account with all credit bureaus. This account was paid in full through my XXXX XXXX  account on XX/XX/2018 before account was even sold to XXXX. I have mailed proof of bank statement certified mail to all credit reporting agencies XXXX XXXX, and XXXX  as well as XXXX. Please assist me in seeing that this issue is resolved and account is removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 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: CA

Complaint narrative:
XXXX XXXX has sold my account to XXXX XXXX XXXX ( XXXX ) for collections. I have disputed this account with all credit bureaus. This account was paid in full through my XXXX bank account on XX/XX/2018 before account was even sold to XXXX. I have mailed proof of bank statement certified mail to all credit reporting agencies XXXX, Experian, and XXXX  as well as XXXX. Please assist me in seeing that this issue is resolved and account is removed from my credit file.

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 2021-08-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
An unknown person withdraw {$8500.00} from my savings account in person at bank branch. 
When XX/XX/16 at XXXX This happen in XXXX, Tx while I was in XXXX, Tx ( 5 hours away ). 

Sequence of events : XXXX *unknown person ( UP ) show up at XXXX XXXX and acquired a sim with my number. 
XXXX XXXX  installed the SIMcard in his XXXX, I lost network in my phone *Once this XXXX  have access to my line, he download Bank of America application and was able to access my account to check balances and accounts numbers XXXX XXXX  went to bank branch and in person withdrawal {$8500.00} in cash from my savings account. 

I am opening this claim as I want to let the bank investigation team and CFPB know that XXXX got involved on this, this unknown person was able to get a SIM CARD and also withdraw money from a teller, what smart guy. thanks.

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 2021-08-05 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: Michael Harrison, Attorney at Law
State: NY

Complaint narrative:
XXXX XXXX XXXX and Collection Agency MICHAEL HARRISON ESQ are 2 companies that are reporting fraudulently on my credit. 
I didnt open nor utilize these accounts and I am requesting the removal of these accounts from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX and I do not have a contract with PORTFOLIO RC plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$630.00}

Company response to consumer: Closed with explanation