vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-26 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have contacted XXXX regarding a bankruptcy on my credit report. 

1 ) Bankruptcy - I provided written documentation from the US Bankruptcy Court stating it does not verify information with credit porting agencies ( XXXX XX/XX/2020 ). XXXX responded the information as " verified ''. I provided written documentation to XXXX from third-party XXXX stating there is not a bankruptcy on my consumer file ( XXXX XX/XX/2020 ). XXXX responded the information as " verified ''. XXXX has failed to provide how and with whom the information was verified. 

I provided I provided written documentation from the US Bankruptcy Court stating it does not verify information with credit porting agencies ( XXXX XX/XX/2020 ). XXXX responded the information as " verified ''. I provided written documentation to XXXX from third-party XXXX stating there is not a bankruptcy on my consumer file ( XXXX XX/XX/2020 ). XXXX responded the information as " verified ''. XXXX has failed to provide how and with whom the information was verified. 

I provided written documentation to Equifax stating Equifax removed the bankruptcy from my credit report XX/XX/XXXX ; yet reinstated the incorrect item on my credit report 2 ) Charged-off account - I provided written documentation stating XXXX is reporting late payments to a charged-off account ( XX/XX/XXXX ). XXXX responded the reporting of late payments on a charged-off account as accurate. 

Charged-off account - I provided written documentation stating XXXX is reporting late payments to a charged-off account ( XX/XX/XXXX ). XXXX responded the reporting of late payments on a charged-off account as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alpha Recovery Corp
State: CA

Complaint narrative:
I revived a call from Alpha Recovery Corp saying that they had to speak to me about personal matter to collect debt. When I called back, they asked for my birthdate before they could give me any info. I did not give them such information because I have no debt owed to my knowledge that should be going to collections. I believe this is a scam and they are trying to collect peoples information so they can attempt to collect money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Zip Co US Inc.
State: FL

Complaint narrative:
I purchased a product from XXXX using the QuadPay service for payment, splitting the purchase into 4 payments. But this product turned out to be the wrong item. At the instruction of XXXX customer service, I refused delivery and the item was returned to them on XX/XX/XXXX. I purchased a replacement also using QuadPay and waited for a refund on my first order. 

A refund was issued on XX/XX/XXXX, after XXXX had processed the returned item. I notified QuadPay and received an email that I needed to wait 13 days for the system to then process my refund. 

For the first order, I was charged a payment of {$190.00} upon ordering the item. Despite notifying Quad Pay with email and photo evidence of my return and refund from XXXX, QuadPay continue to charge payments, {$190.00} on XX/XX/XXXX and another is scheduled for XX/XX/XXXX. 

Additionally, the replacement order turned out to be defective. I returned the item to XXXX and again, have submitted proof of this refund to Quad Pay and they refuse to stop charging payments despite having evidence that this order has been refunded. 
Charged {$180.00} upon ordering, and {$180.00} on XX/XX/XXXX with another payment scheduled for XX/XX/XXXX. 

They refuse to work with me to resolve this, citing that they need to wait for " the system ''. I understand the need to wait for the refund to be issued to my bank but continuing to charge my accounts for items I have returned weeks ago seems a bit much.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I called XXXX XXXX today. XXXX  XXXX admitted fraud investigation was after cards were canceled and then charged off leaving a lump sum due of {$1700.00}. They then offered a lump sum payment as settlement. 
After XXXX, I couldnt afford a lump sum then and I cant now and that is why I was faithfully making my monthly payments with a mid XXXX score. Its all in record today with the quality assurance taped recording.

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 2021-01-26 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: CBC Companies, Inc.
State: VA

Complaint narrative:
There is unknown hard inquiry on my credit reports. Im requested the verification of the inquiry and the method of verification. FACTUAL DATA, Inquiry : XX/XX/2020. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Was never late on my XXXX XXXX XXXX XXXX XXXX, the buyers bank was the issue and I shouldn't be shunned for it ; considering I received a letter from buyers bank explaining the situation ... Problem never fixed despite substantial proof on my side. 

XXXX XXXX XXXX needs to be addressed and verified and validated and no knowledge of whats going on there as you'll see in my letter ( s ) addressed to the bearus ; something needs to be scoped out before it reflect on my public report! 

I'm disputing multiple items and DEMAND to be TREATED FAIRLY under the law and per my rights as a consumer! 

I AM PROVIDING MY REAL-ID and do not want to be sent a letter describing they can't look at anything due to no Social Security Card ; that's provided to the DMV in order to receive the REAL-ID

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
THESE ACCOUNTS WERE LISTED ON MY CREDIT REPORT AND I HAVE NEVER OPENED THESE ACCOUNTS. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THESES COMPANIES, PLEASE HAVE THESE ITEMS REMOVED FROM MY FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
The lender for my mortgage is TIAA Bank. I filed my complaint originally with the OCC but was referred to your entity since the issue is concerning the management of my escrow account. 

I own a rental property in XXXX VA. The taxes are due twice per year. In XXXX and XXXX of each year. 

In XXXX of 2020 I transferred title from my individual name into the name of a trust. The city of XXXX recorded the transfer and later sent a bill for my taxes to TIAA. The bill reflected the taxes due fom the date of the transfer into the trust until the first half of the year. 

TIAA Bank thought the bill was supplemental in nature. As they explained to me a supplemental bill is not required to be paid by them since it is supplemental. The bill was not supplemental but was for the second half taxes. 

TIAA Bank failed to pay the taxes due in XXXX and did not pay them until XXXX. When they paid the taxes in XXXX they paid them for the past due half year and the current amount due. The city of XXXX charged interest and penalties of {$610.00} for the late payment on the first half taxes. 

I received my escrow analysis of my account. Included in the escrow analysis was a charge for {$610.00}. The charge listed on my escrow analysis was listed as " taxes ''. 

I called TIAA Bank and spoke with a customer service person. The person confirmed that the {$610.00} was for taxes and was not for penalties and interest. I called the City of XXXX after hanging up with TIAA Bank. The city of XXXX told me the {$610.00} was for interest and penalties for non payment of the 1st half taxes. 

I called TIAA Bank back and told them that I felt that they were being deceptive by telling me the charge was taxes and not interest and penalties. I told them that they are responsible to pay my taxes on time and they should pass their interest and penalities to me for their non-payment. They told me that the bill was supplemental and was not required to be paid by them. I believe that they are hiding behind words and are not taking responsibility to pay my taxes on time. I repeat that their practice of passing along late fees and penalties as " taxes '' is very misleading and is deceptive. 

They told me that they will not refund the money for the taxes and penalties. I told them that the City of XXXX sent them past dues notices for the taxes and insurance which they ignored until the interest added up to more than {$400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: LA

Complaint narrative:
On XX/XX/2020, I sent a debt validation letter to National Credit Systems Demanding that they provide me with debt validating documents. The company did not provide me with any documents with my signature validating the debt. I was not provided the contract between the original creditor and me that states that if I defaulted on the alleged debt I would be indebted to National Credit systems. They are not licensed to collect debt in Louisiana. I was not notified before they falsely reported the XXXX collection account to the credit bureaus. Also, I never spoke with the company and they were illegally drafting 100 plus dollars from my account from XXXX XXXX XXXX 2020. I never authorized those payments and I was able to recoup those funds via my bank. I also attempted to sue them in XXXX County Justice, since the company said the collection occurred there, however they refused to show up to court. I will not stop until this account is removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Good afternoon ; My name is XXXX XXXX. I applied for a store credit card from XXXX XXXX XXXX XXXX XXXX XXXX. I bought an engagement ring. I paid cash for the setting on XX/XX/2020, in the amount of {$1700.00}. I applied for financing that night. The financing was through Comenity Bank. I was told I would receive a letter in the mail with instructions in 5 to 7 business days which I did. The letter indicated to bring in my w-2, a utility bill, drivers license and social security card which I did on XX/XX/2020. I had already paid {$880.00} as a deposit to have selected diamond sent to the store. Once I confirmed the diamond I gave another cash payment of XXXX on XX/XX/2020, bringing the balance to {$5000.00} for a diamond that cost {$7800.00}. ( Included tax ). So at that point I was going to take the financing being my credit score is over 700, 28 % debt to income ratio. Comenity bank stated in the letter to send my drivers license, social security card, utility bill and w-2 to a PO Box without a tracking number because there would be no one at a PO Box can sign for it. We called customer service who told us we can only send the Information to a PO Box . They refused to take the information by fax and do not have a secured website or portal to upload my personal and private information to. I was appalled being a licensed MLO. It is my understanding any business handling personal and private information such as social security numbers must have a secured portal to upload documents or a fax to receive the incoming items such as social security numbersdrivers license. I do not believe sending personal and private information unsecured is acceptable in any way. At that point I chose not to work Comenity Bank and feel this should be looked into to help avoid any type of fraud. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: AG AH LLC
State: WA

Complaint narrative:
On XX/XX/2020 we selected XXXX XXXX/ARC with XXXX XXXX based on a review of three competing lenders to do our VA XXXX refinance. We were shown an estimate that considered all the factors ( based on our timely submission of all pertinent documents ). We also signed the initial disclosures that showed our closing cost would be a refund of {$34.00} dollars on XX/XX/2020. Fast forward to XX/XX/2020, we were told that our closing cost would now be $ XXXX. They said they would apply some credits but the closing costs would still be around {$2100.00}. We asked why the change and stated it was due to a factor that they already knew beforehand and the clarification was the timing of the loan but they also knew it would close in XXXX which it would have. I asked to go back to the initial disclosure closing cost but they only respond with the timing of the loan and that they will only extend the rate which does not help the closing costs. It is now XXXX and they expect us to fold and restart the process with another company. I dont think this is fair since we have already invested 5 months into the process. I think they should keep their promise to us.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-26 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: WA

Complaint narrative:
I have been disputing incorrect late payments with the bureaus since XX/XX/2020. At that time, I did not receive any responses from the bureaus letting me know the status or if they were even investigating my disputes. So I sent another set of disputes to the bureaus on XX/XX/2020 to request the investigation again. I do not feel that I was ever a full 30 days late on any of my accounts and my personal records do not indicate this either.

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 2021-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/XXXX afternoon around XXXX. I entered Bank of America located in XXXX XXXX on XXXX XXXX XXXX XXXX XXXX. I proceeded to the Atm inside the branch to activate my business card once i was done with that i tried to deposit some cash. The Atm gave me back cash that didnt go through and keep {$400.00} dollars without depositing into my account. I didnt receive no receipt. The Atm gave me back my business atm card and did not deposit/credit the {$400.00} in my account. I called made a claim and was told to wait 1-2 days. I called the next day and 2nd day nothing still was credit into my account. So now bank of america customer service says that i have to wait until XX/XX/XXXX to receive my money. I feel taken advantage of, i been lied to about 1-2 days now it changed to XX/XX/XXXX. I need some answers to why they lie to me then take my money and i have to wait weeks to get. Im so upset. Please help me solve this problem please. Thank you have a great day.

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 2021-01-26 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: NV

Complaint narrative:
TRANS UNION XXXX XXXX XXXX  XXXX XXXX, PA XXXX XX/XX/XXXX To Whom It May Concern, Pursuant to 15 USC 1681a ( 2 ) ( B ) Exclusions any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; should be excluded from my consumer report. The definition of a credit card Pursuant to Title 15 USC 1602i means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit meaning my Social Security Card was used to originate every consumer credit transaction in my File making me the original creditor Pursuant to Title 15 USC 1602g. I demand Pursuant to 15 USC 1681a ( 2 ) ( B ) that the following transaction be removed from my credit report immediately as you are violating my rights as a federally protected consumer under Title 15 Chapter 41. 


1. XXXX XXXX  Account Number : XXXX 2. XXXX XXXX XXXX Account Number : XXXX 3. XXXX Account Number : XXXX 4. XXXX Account Number : XXXX 5. XXXX Date of Inquiry : XX/XX/XXXX Thank you, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Well I just got off the phone with the lady at XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX when one I know a debt collector doesn't and can't show a license that they have to collect a debt and then when I gave her the acct number which she didn't have she told me that it doesn't matter and that they don't have to follow section 609 of the FCRA which is scary. So they are constantly dinging my credit on an account and amount that they don't have.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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: CA

Complaint narrative:
i have unauthorized inquiries and account that are being reported charge OFF OR LATE AND THEY ARE NOT

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 2021-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
Good day, My name is XXXX XXXX, my family and I when we were first moving to XXXX we signed a lease to move in to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX in late XX/XX/XXXX but we did not find the place to be comfortable mostly there was a constant smell of smoke at night so I decided to move out as I'm a XXXX XXXX and was already not feeling well. I also was hospitalized in XX/XX/XXXX due to XXXX XXXX and had an XXXX done at the XXXX  XXXX XXXX on XXXX, XXXX TX. 

I described my XXXX XXXX problem and the continuous smoke through the XXXX XXXX XXXX vent at night and requested to terminate and leave their apartment. At that time I asked them about any extra fees or charges and discussed lease agreement says it will be {$800.00} something charges on my lease pg 9 but the XXXX XXXX property Supervisor informed me that it will not be an issue as long as I move out of their apt in 4 days which I did. I left their apt in 4 day time frame and did not damage anything. Nothing no information on the early termination charges are placed by the XXXX XXXX XXXX and I have communicated with them in XXXX in the time I left as to collect my postal mail. I left in good terms with the XXXX XXXX XXXX and they never asked me for any additional payments. 

I'm not sure where this collection company National Credit Systems has reported a collection debt in my name and it is reported on my credit file. I never received any info on this until when in late XX/XX/XXXX and early XX/XX/XXXX through my daughter loan officer. My daughter was trying to get loan approval and asked me to be her cosigner but the loan officer informed that I have a collection charges in my name. I never was aware of this or contacted by either the collection company National Credit Systems or XXXX XXXX XXXX while these charges have been posted since XX/XX/XXXX. It is not fair to me. It is not just impacting my score but I can not help my daughters out with either their loan applications or even signing for utility company such as XXXX as even that my daughter had to do for me as she has a good credit. I need help in getting rid of this false collection charge by the company National Credit Systems. If there was an early termination per lease agreement then XXXX XXXX XXXX should have given me that correct info and my financial responsibility at that time when I was vacating specially when I did inquire and expressed my financial obligation. If they never provided me with that info or any requests to pay the early termination charges at that time then why is this National Credit systems unnecessarily claiming such charges on my name, makes no sense. I would have never known anything if my daughter loan officer didn't give us the info including the collection company info. Please guide me and provide some assistance. Thank you.

Company response to consumer: Closed with explanation