vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: S&S Physician Services, Inc.
State: TX

Complaint narrative:
I've reached out multiple times the past months to this collection agency asking for proof of debt verification and my signature releasing my personal information to the agency with no response from them. I have sent letters through mail and email, also called them. Still same result no response back and its been months of this. This violates HIPPA and still no response from them through mail or email.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 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 — Problem with personal statement of dispute
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA

Complaint narrative:
In XX/XX/2021 a payment was sent out for a car payment, First National Bank claimed to not get it. I sen out a double payment for XXXX and XXXX at that time. This was about the last week of XXXX. Then they claimed to have not received that check. So I then took my payment to a branch myself. Literally 3 days later magically a check that was lost for almost a month plus the double payment check were cashed. Luckily I was smart enough to stop the bigger check because otherwise they would have had 5 months worth of car payments. Even at that time I got a letter for stopping payment on the check stating my account would be passed due. None of this was anything I caused, yet they reported I was 30 days passed due and also tried telling me J owed for the next month when they decided on their own to just put the extra money they got onto the balance as extra. I don't think my credit should suffer for something an employee at First National Bank did. They need to keep better track of their checks when receiving them in the mail. 
You can see by my report my payments aren't late normally.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
I opened a checking and savings account with Suntrust Bank on XX/XX/2021they took {$1600.00} and havent issued my money I tried calling and my Social Security or account number isnt coming up as of XX/XX/2021. Yesterday it did show up and said it in the process of closing my accounts. They wouldnt give me a reason why. That my stimulus money and I need that money I have a sick child at home. 
Thank you

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 2021-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
ALL 3 " CRA '' FAIL TO SEND UPDATE REPORT UPON WRITEN REQUEST SENT OVER 45 DAYS AND STILL HAVE NOT RECEIVED REPORTS AND RAPID RE-SCORE

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 2021-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
ALL XXXX " CRA '' FAIL TO SEND UPDATE REPORT UPON WRITEN REQUEST SENT OVER 45 DAYS AND STILL HAVE NOT RECEIVED REPORTS AND RAPID RE-SCORE

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 2021-07-28 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:
On XX/XX/XXXX I sent a letter to the credit bureas Experian and XXXX  disputing the validity of In accurate items on my credit report they sent me a credit report on XX/XX/XXXX stating " The company that reported the information has certified to Experian that the information is accurate ''. This information was not reported to Experian nor XXXX XXXX per attatched letter I sent from the Bankruptcy Court.

According to the FCRA the credit agencies are to report accurate information being reported to them. According to the FAIR CREDIT REPORTING ACT FCRA 611 ( 15 U.S.C. 1681 ), Procedure in Case of Disputed Accuracy ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at an agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2021-07-28 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:
Sending correspondence requesting deletion of unverified accounts and not receiving a response from them. They can not validate and verify so it needs to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2021, at XXXX XXXX I called Equifax to speak with a representative about a paid off collection that appeared on my report. The representative hung up in my face without allowing me to speak with anyone else. In addition, they claimed to not be able to verify my identity when multiple times I have verified via their identity system. Its upsetting as I am in the process of buying a house. The staff rudely hung up in my face. The credit bureau is reporting paid off balances & collections that were never in collections. I am frustrated as I have never received a follow up call from the bureau or anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CAPITAL ONE. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CURO Intermediate Holdings
State: AL

Complaint narrative:
received an email from a lawyer saying i owe xxx.xx, they said they tried contacting me numerous times with failed attempts. it also states that they were going to withhold my checks and contact my job/references to let them know what was going on. they stated i had 12 hours to reply to set up payment arrangements if not then they would take me to court to pay xxxx.xx. i ended up contacting the said place & they have no record of any loans by me. also looked up address that was on email & found a phone number, decided to call & they mentioned that the address doesnt match where they are located. woman on phone said it was a scam & to report it to you guys.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 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: MAGGUILLI LAW FIRM, PLLC
State: NY

Complaint narrative:
The debt collector put a different amount than what I owed on my credit report. Credit report said I owed {$5600.00} when I called she said it was a total of {$5400.00}. When I asked her for what it was for she just said XXXX XXXX 's hospital. When I told her the hospital had no record of this money and told her that for a while there was a mix-up with the insurance company and she flat-out called me a liar. When I asked her for the breakdown of the bills she would not give them to me Said she had to wait for the file to get to her desk. I called every single day for a week and the file was never at her desk. Me actually trying to pay this or take care of this bill was like pulling teeth with this collection 's lawyer office. Very rude and unhelpful when I'm actually trying to give someone my money! I had to get a hold of the credit bureau to take care of this. Come to find out I'm not the first person who's had a problem. As a matter of fact many many people have had a problem You could even go on the internet and type their name and not one person has one good thing to say about them. Why are you adding money to my non-existing bill? Oh right my credit report says for personal services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I looked over my report and noticed unauthorized inquiries3 and I want them removed. 

XXXX XXXX from XX/XX/XXXX XXXX inquiry from XX/XX/XXXX Capital One inquiry from XX/XX/XXXX XXXX XXXX inquiry from XX/XX/XXXX XXXX XXXX  XXXX inquiry from XX/XX/XXXX XXXX inquiry from XX/XX/XXXX XXXX inquiry from XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Carvana Group, LLC
State: MT

Complaint narrative:
I filed a complaint with the XXXX & in CARVANA response they lied & unfortunately I couldn't respond in full because in the limited amounts of letters that I could use. The following is my complaint, furthermore CARVANA states that my XXXX CREDIT SCORE is OVER XXXX LESS POINTS THAN WHAT IT ACTUALLY IS. 

I started with selling my car & at the end of the process I was told that I had to drive 9 1/2 hours for CARVANA to pick up my vehicle, AT NOT TIME during the selling process did it clearly state on the website or when I spoke to NUMEROUS representative that I needed to meet CARVANA in XXXX XXXX, ID. When trying to purchase a vehicle it was an experience I wouldn't wish on my worst XXXX. I spent approximately 10+ hours on the phone & 3 hours texting in a 7 day period. I asked to speak to a SUPERVISOR 7 TIMES & was denied 7 TIMES. I was told in that same 7 day period by 5 different representative 's that they were going to call me back & never did. The final straw was when a representative ( her name started with a V ) STATED " I WILL CALL YOU TOMORROW MORNING & HELP YOU FINISH TRADING YOUR VEHICLE & PURCHASING THE XXXX XXXX ''. I waited all morning, afternoon, & night & she never called. Customer service was terrible & unprofessional. Do business in your community.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 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: NCB Management Services Inc.
State: TX

Complaint narrative:
NCB management services ( collection ) was included in my Chapter XXXX bankruptcy on XX/XX/2021. This bankruptcy has been discharged including this debt. NCB CONTINUES to report this account as open and derogatory. NCB can not legally collect on a debt discharged in bankruptcy they are violating my consumer rights and the FCRA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Dynamic Recovery Solutions, LLC
State: IL

Complaint narrative:
XX/XX/2021 : Dynamic Recovery Solutions XXXX called my employer and harassed me about a debt that I do not have knowledge of. 

I have asked them not to contact me previously, and now they are calling my workplace directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 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: PA

Complaint narrative:
The companies involved is Experian, XXXX and XXXX. I recently request my credit report from free XXXX XXXX and it's a lot of aliases on my report, old addresses, phone numbers, old employment and inquiries that i never even made. The credit bureaus are reporting information that's not associated to my account. For instance, there's an address that's on my account that's 7 hours from my home address. All of these incorrect items are stopping me from getting a home, car, etc. I would like for the incorrect items on my report to go to it's rightful owner. The credit bureaus are using public record to look up my name and end up attaching someone else file to my credit report. Please investigate the negligence of the credit reporting agencies

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 2021-07-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: OK

Complaint narrative:
Sometime before XX/XX/XXXX, I was contacted on XXXX  by a person claiming to be XXXX XXXX, posing as an employee of XXXX. After chatting on XXXX several times, the conversation was moved to XXXX. My business, XXXX XXXX XXXX, was hurting due to COVID and low oil and gas prices and I was looking to make money to pay my bills so XXXX convinced me to invest via XXXX in a company he was working for that is now known as XXXX that would use binary trading to invest on my behalf. I was told that the minimum to invest was {$500.00}, so I bought XXXX BTC via CashApp for {$500.00} including fees. I transferred the bitcoin from wallet XXXX to wallet XXXX on XX/XX/XXXX. I was then told that I had to meet the wallet minimum of {$2500.00}, so on XX/XX/XXXX, I purchased XXXX BTC for {$1200.00} including fees. I then transferred said bitcoin to the same wallet. Trading then commenced and when first cycle was over, I asked to withdraw the bitcoin. I was told that the withdraw/exit fee was {$3100.00}. I then bought XXXX XXXX on XX/XX/XXXX at a cost of {$810.00} and transferred it to wallet XXXX as instructed by XXXX via two separate transactions on XX/XX/XXXX & XX/XX/XXXX. I then bought XXXX XXXX at a cost of {$1500.00} and transferred it to the same wallet on XX/XX/XXXX followed by a purchase and transfer of XXXX BTC ( {$1600.00} ) on XX/XX/XXXX. I was then told I had to pay a Delay Fee of {$2500.00} for my funds would be released because I waited too long to pay the withdraw/exit fee. I was in dire straights financially and had borrowed the money to pay the withdraw fee from my wifes retirement account. That money was supposed to pay my bills for the month, so I had to borrow more money from another retirement account to pay my bills for XX/XX/XXXX. At this point, I fully believed the whole thing to be a scam and refused to give them additional bitcoin, so I have never received my funds. Please help me recover this bitcoin if possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I wrote the three credit bureaus, XXXX XXXX  and TransUnion on XX/XX/2021. I sent my disputes certified mail. None of this companies have responded in the past 30 days.

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 2021-07-28 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: FL

Complaint narrative:
I wrote the three credit bureaus, XXXX Equifax and XXXX on XX/XX/2021. I sent my disputes certified mail. None of this companies have responded in the past 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: VA

Complaint narrative:
I have been on a journey of striving to rebuild my credit and I requested my credit report. There is where I found the debt for XXXX XXXXXXXX XXXX. I reached out to them because I have never been treated at the hospital or used ambulatory services for the hospital in question or ridden the ambulance. When I called to question the company about the debt they made it very clear that this debt was not made by me nor did I sign anything to be treated in there facilities. They said someone else could have given them my information such as, my child or family member and when I did not respond to a letter sent to an address that I havent resided in over a decade. The debt became mine. This is absolutely against the law. Please help!

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 2021-07-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC
State: NC

Complaint narrative:
The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX  Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 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: GA

Complaint narrative:
Sending correspondence requesting deletion of unverified accounts and not receiving a response from them. They can not validate and verify so it needs to be deleted.

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 2021-07-28 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am victim of identity theft and fraud. I have notified alleged creditors that the items on my credit report does not belong to me, and they have not validated any debts from alleged creditors with competent evidence of a valid contract according to the FCRA section 609 and best evidence rule that requires primary evidence meaning original version and other consumer laws i.e. title 15 U.S. Codes section 1681 and 1692. I have not in any way received goods, credits, money, loans, services, or any transactions. The alleged creditors have not provided proof of claim and my social security number has been used unauthorized, and without consent and written or verbal permission. I have not authorized any of these creditors listed to have access to my credit report, and/or score. My social security number information was breach and alleged creditors have used my social security number and are in violation of the privacy act of 1974 etc. unless they can prove a written contract exist.

Company response to consumer: Closed with explanation