vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-10 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: IL

Complaint narrative:
I submitted a credit dispute to TransUnion XX/XX/2020. I have not received the results of this dispute and its been over 30 days. I submitted this dispute certified mail with all the proper documentation. I disputed several accounts displaying on my credit report. I also requested " PROOF '' of the debt exercising my rights under Section 609, which I am entitled to see and be provided with for validity of the said debt.

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 2021-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Carter-Young, Inc.
State: GA

Complaint narrative:
Carter young Inc has put a debt that I do not owe them on my credit reports. I have never had any type of contract with this company. I asked them to send me info with my signature showing I signed something with their company and they never provided anything because I do not owe them anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical-Commercial Audit Inc
State: VA

Complaint narrative:
On my XXXX credit report the collection agency file a collection notice for medical bills that have nothing to do with me. When I contacted them they stated they have nothing in their system for me and that this is result of XXXX reporting this onto the wrong person and there is nothing they can do. I requested a letter from them stating the same but they stated there is nothing they can do for me. XXXX stated I must get a letter in order to properly remove the items in question.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-10 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: World Acceptance Corporation
State: GA

Complaint narrative:
On XX/XX/2021 I called to try and get in contact to speak with someone from world finance to see what payment plan I could do or see what they could do about it but no one picked up the phone or returned my phone call. I would like for them to remove the negative reports off my credit because Im not able to get an apartment in my name because of it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Mountain Run Solutions, LLC
State: LA

Complaint narrative:
For the past six months mountain run solutions L has been harassing me, my place of employment, wife, church, mother n law, before XXXX XXXX and sometimes after XXXX XXXX. I've asked them to stop. they pay me no mind and keep doing the same thing.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: GreenSky, LLC
State: NM

Complaint narrative:
On XX/XX/2020, I contracted with " XXXX XXXX XXXX XXXX XXXX XXXX XXXX' XXXX XXXX ) to replace windows and 2 doors in my house in XXXX XXXX NM. They set up 18-month same-as-cash financing with Greensky of XXXX, GA as part of the sales incentive. Payments were supposed to be 50 % to start and 50 % at completion. In XX/XX/2020, due to bad experience with XXXX, I asked for a hold to be put on the account to stop any more payments to XXXX. Greensky agreed, placed the hold, and has always agreed the hold was placed. However, on XX/XX/2020, Greensky paid XXXX the second 50 %. At this time, XXXX had not satisfactorily completed the work. I had not been contacted by XXXX claiming they had completed the work. There were still 2 significant problems with the work. I was not contacted by Greensky either, asking to lift the hold. After several failed attempts to fix this by phone, on XX/XX/2020 I sent an email to Greensky followed up by a letter on XX/XX/2020. XXXX XXXX of Greensky responded to my email and opened an investigation. On XX/XX/2020, XXXX called me to say that the investigation found that I had signed a document attesting to the completion of the work ( which I absolutely could not have since I have had NO contact with XXXX since XXXX XXXX and that document allowed them to lift the hold from my account. As of that evening, the disputed charge had been added back to the account. 

I asked XXXX to forward the document she said allowed them to pay, but have not received any reply. I also managed to finally contact XXXX XXXX XXXX XXXX XXXX who said they would try to get the problems fixed and would send the documents that allowed them to take the final payment from Greensky. I have not received any copies of such documents at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
For the past two month, I have been trying to get a total of 12 hard inquiries removed from my credit report that i did not authorized. The inquiries and unauthorized dates are listed below : XXXX  XXXX ( Wednesday, XXXX XXXX ) XXXX fXXXXn ( Wednesday, XXXX XXXX ), XXXX XXXX ( Sunday, XX/XX/2020 ) XXXX XXXX ( Monday, XXXX XXXX ) XXXX XXXX ( Monday, XXXX XXXX ), XXXX XXXX ( Monday, XXXX XXXX ) XXXX  XXXX  ( Monday, XX/XX/2020 ), XXXX XXXX ( Monday, XXXX XXXX ), XXXX ( Monday, XXXX XXXX ), XXXX XXXX ( Friday, XXXX XXXX ), XXXX  ( Wednesday, XXXX XXXX ) XXXX XXXX XXXX XXXX  ( monday, XX/XX/2020 ), XXXX XXXX ( Monday XXXX XXXX ). I sent dispute letters to Transunion to verify these inquiries and the information comes back verified. I called and they prompted me to call Each creditor to retrieve a '' Letter of Deletion ''. When i called the creditor to request a letter of deletion, Each creditor informed me that there is no record of a '' XXXX XXXX '' in their system. So, I sent Transunion another letter to verify their method of verification and requested specific details to ensure verification and Transunion failed to do so ; these inquiries again came back as verified. I called the bureaus again to seek further assistance in these inquiry deletions and no one seems to help resolve this matter. As a consumer, I feel my rights have been compromised and violated. I have done all that was requested of me and feel devalued as a consumer and customer of Transunion. At the time of these inquiries, I was and still is in college and was not seeking credit of any sort. Please remove these inquiries as requested. They were not authorized.

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 2021-02-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I was fraudulently charged {$73.00} in XX/XX/XXXX on my Bank of America credit card. After initially bungling my fraud claim, Bank of America credited me for the fraudulent charge. The credit was wrongly reversed half a year later without notifying me and without any explanation. When I noticed on my statement that the credit was wrongly reversed, I spoke with Bank of America approximately seven times, maybe more, from late XXXX till today, XX/XX/XXXX. Over a period of about four months, Bank of America told me over and over that a check for the credit money would be mailed to me. The first promised check never arrived. I called Bank of America and was told that they would stop the first missing check and order out a new one. The second check never arrived. I called and asked that the credit money be sent directly to my checking account and was assured it would be. That never happened so I called Bank of America numerous times again. Each time the person I dealt with told me that the whole history was written in the notes and that the money would be ordered out to me. The money never arrived. Now after months of misleading me and a year after my initial fraud claim, Bank of America is telling me that they will not refund the money for the fraudulent charge and will not help me any further. 
Now in XX/XX/XXXX, a full year after my initial report of the fraudulent credit card charge, Bank of America is telling for the first time that they want more documentation to credit me with the {$73.00}. I told Bank of America that I have a copy of the contract for the fraudulent charge with my signature forged by the dishonest car rental company, but Bank of America said that a copy of the forged document is insufficient to support my request for the refund. The misinformation provided repeatedly by Bank of America for a year, their refusal to accept a forged document as evidence of the fraud, and their failure to inform me for a year that they want more documentation from me, is unacceptable. Bank of America must be held accountable and refund the money due me. 
I do not have the computer skills to submit the forged document but will mail it to anyone upon request. Bank of America has recordings and written notes that document my numerous and lengthy telephone interactions with them. I saved the forged document because it was so shocking, and I will search for any other documents that I may have. However, since Bank of America didn't ask me for documentation until a year had passed and told me repeatedly that my money was on the way, I wasn't careful to retain all the paperwork and doubt I can find anything more at this point.

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 2021-02-10 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: Federal Adjustment Bureau, Inc.
State: OH

Complaint narrative:
This request is in response to complaint # XXXX with FABCO. I never received a mailed validation letter validating this debt as you claim. Please forward me ( mail ) proof of this alleged item, specifically bearing the contract, note or other instrument bearing my signature. A bill, account ledger and payment history does not validate the debt. I demand that all references to this account is deleted and removed from my 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 2021-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
My brother XXXX XXXX, transferred 2 transactions each in the amount of {$330.00} from his XXXX  checking account via XXXX to my USAA checking act. He received two confirmations from XXXX  for both transactions. His balance did go down in the amount of {$660.00}. However, I only received one transaction in the amount of {$330.00}. The remaining {$330.00} did not go back into his XXXX  checking or my USAA checking. I provided USAA with the confirmation number XXXX provided to him # XXXX, USAA states that is not a valid confirmation number, USAA has provided me with a Case Number XXXX. I am requesting the assistance and support of CFPB.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
After multiple disputes of fraudulent bankruptcies with inaccurate information on reports. Experian says I need to contact XXXX XXXX and they are verifying the information as Accurate. After contacting XXXX  XXXX, they proved that Experian is not verifying such information with them because they have no bankruptcies to report or verify. Experian repeats false reportings of wrong information and its inaccurate and not verified. And stating it will remain on file for 10 years. Under what laws? They are faking verification an not verifying with the source which is against the law and violating my rights to fair reporting.

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 2021-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
LVNV FUNDING LLC and XXXX  has been reporting that I have a collection/charge-off account with them and they are putting derogatory information on my credit reports. After being frustrated with this situation I decided to do some research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA LVNV FUNDING LLC has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: IN

Complaint narrative:
This is a formal complaint against CBS for reporting invalid credit information. On XX/XX/2021, CBS reported a {$150.00} collection account on my credit report that is not mine. Per FDCPA laws, collection agencies have to send a written notice of debt to consumers before reporting a debt to the credit bureaus. The letter must contain the following : " ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; '' ( 3 ) Thirty days to dispute the validity of debt upon receipt of the notice ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. '' Prior to reporting this erroneous collection account on my credit report, CBS failed to mail me any letters making me aware of the debt or validating it belonged to me. According to CBS ' own website, they mail customers at least three collection letters coupled with phone calls. After reviewing all the mail captures sent by USPS Informed Delivery to my email and my phone 's call history, I confirm I never received any letters or phone calls from CBS, notifying me of this debit. I am requesting this inaccurate collection account be removed from my credit reports at once. It is causing grave damage to my credit reputation and is unfairly hurting my credit health. Every step must be seized to ensure the data reported on a consumer 's file is error-free and up-to-date. Should you fail to swiftly remove the collection falsely reported, I will file a formal complaint with the CFPB and FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
Hi, I would like to open a complaint againt Zelle Pay, which is used by many financial institutions to pay with phone. 

In my situtaiion, on XX/XX/2021 I purchased an item on OfferUp and was asked by the seller to pay via Zelle. I made 2 payments that day after seeing what looked like a legitimate shipping label and later realized it was a scam/fraud. I am concerned that Zelle is not enforcing enhanced due diligence with the institutions it does Business with as scam/fraud artists are using this platform to harm innocent citizens like myself. I am worried and surprised that no one can do anything about it although there ought to be an audit trail of the sender and recipients accounts. Zelle should require that in the event that they are informed of a scam/fraud they should have processes to protect the end consumer. 

I have tried to call Zelle customer service and it was in vain and feel that it is really a bad way to operate a business as I could not get a hold of anyone. I also contacted by bank, XXXX XXXX XXXX and was informed nothing can be done about it. 

Again, it is upsetting to be informed that I can not get a refund none of these institutions are doing anything about this event. I am sure I am not the first and wont be the last if no actions taken to protect consumers like me. I would say I am a pretty savvy individual and I still got scammed and am worried about those who are naives and elderly population of our society.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: AL

Complaint narrative:
I bought something from the company one time, and someone used their merchant ID, and was charging my PayPal account. I had to cancel my Credit card with my bank, report it to the company multiple times and PayPal twice. It has been fixed, but I just got a call from the fraud person trying to get my credit card number. The number was XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-10 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:
My Trans Union credit report is 20 points lower than my XXXX  with the same exact information I am never been late on anything in the last six years since Ive declared bankruptcy because I had XXXX and paid all my bills Im on time and Trans Union is always behind now the 20 points behind

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 2021-02-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I had a payment due to Shell Gas Credit Card- Citi CardXXXX on XX/XX/21. I received a payment on XX/XX/21 and did bill pay through my financial institution same day XX/XX/21. I was told my payment would go through on XX/XX/21. Unknown to me it was not an electronic transfer from my financial institution to the credit card company, but a check that processed on XX/XX/21 and not received until XX/XX/21. I asked for a late fee waiver due to one my payments are not as regular as should be due to pandemic and not understanding that payment would be an electronic check instead of ACH into account. Also it is stated on their website that the mail is slower than normal during pandemic times to contact them if experiencing a delay. I've done what was required of me and did notify them asked for a waiver and was denied because they stated they did not receive my payment on time. Normally, I would not complain, but I do find this to be unfair practices. They are allowed to lower my balance to show I have a higher risk concern during pandemic times, which too is unfair. My finances are due to not being able to work consistently during these times and still I am being penalized for the world being deemed in a state of emergency. My only request was to have the late fee waived, nothing else.

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 2021-02-10 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:
I have a credit repair company working on my credit report. An item was removed from XXXX, but XXXX  and Transunion have not removed the same item. When I spoke to the representative at XXXX  and aksed what proof the collections company provided to prove the debt on my report, I was told they don't need to provide anything. When they were asked to investigate the item, they did not ask the collection company to prove anything. The item is reported by XXXX XXXX XXXX, XXXX on behalf of XXXX. I tried to reach out to XXXX and they referred me to XXXX XXXX XXXX, XXXX. Neither company has been able to provide anything to prove the debt to me. The item needs to be removed from XXXX  and Transunion.

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