vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
Hello, To Whom It May Concern Ive been disputing the inaccurate account information, since XXXX, XXXX. The company has faild multiple times in responding, or verifying the debt. On XX/XX/XXXX XXXX added a derogatory mark on my credit report per XXXX XXXX. Upon further research, on XX/XX/XXXX I asked the company XXXX in writing to verify this account. In which the account stated I owed a balance of XXXX dollars. After the 30 days I than demanded for this account to be removed from my credit report, due to the fact debtor creditor states their verification process was completed stating Ive made payments to this account. In which I have no acknowledgment of. XXXX XXXX also sold this debt to LVNV funding the company has than sold the debt again to Resurgent without my acknowledgment this company is also reporting inaccurate account information, such as payment status, balance due, creditor name, I feel as I am not responsible for this account. There was no written form of communication, contract or signature for the accused Derogatory account at all. According to the FCRA XXXX/LVNV/ Resurgent has violated my rights as a consumer and Im requesting legal action to remove this public record off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 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: PA

Complaint narrative:
I filed an dispute for a unauthorized account that has be reporting to my credit profile. Ive attempted to dispute this account on multiple occasions. I am a victim of identity theft as I explained to all three bureaus. I just received an update stating that the account has been verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports and need to delete immediately : XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX/XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal information was still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the incorrect personal information that is still reporting on my Credit Reports and needs to delete immediately : Wrong Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: TMX Finance LLC
State: VA

Complaint narrative:
This company has not responded to written request for account information and receipts for payments I sent in. Now they sent me a letter 4 days before due date {$690.00}, again with no interest info, no balance info, no response to emails sent XX/XX/2020 ; review of audio I send via email showing the predatory actions of your companys previous XXXX XXXX, va location. They have not contacted this entire time via usps as requested in my CAD ; that requires in writing communication or litigation. On my audio i showed you employees acting as others employees ( that were off that day ) just to talk about account and set up payment arrangement. Then when i would call back with the payment for payment arrangement the employee that I was told ai was speaking to would say I was off, you couldnt have spoken to me and im not accepting that payment. This happened three times ; their intention was to have the interest grossly accrue/induce charges due to my balance being over {$6000.00} at over 301 %. I even filed FTC complaint XX/XX/2020 ; in the companys response they lied about everything ; so I sent a copy of the letter and proof that it was lies from your counsel ; again no response from company. False statement such as saying I sent payment to wrong service center, I opened and only ever dealt with XXXX XXXX, va location. In addition you XXXX, va location processed one of the several money orders I sent but not others so that is unethical to choose when you want to practice the truth.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to update or remove from reporting : XXXX {$3000.00} XXXX  XXXX {$630.00} XXXX {$18000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
On XX/XX/XXXX, I processed a purchase with a seller through Paypal, 2 hours later, the seller refunded the purchase because the order form has not been filled out correctly. The seller has issued refunds numerous times with other clients and paypal has always processed the refund the way it was received. However, paypal changed their default refund method to echeck which apparently takes 7-10 business days to clear the sellers bank and up to 30 days to be refunded to my account. I contacted paypal immediately when I noticed the refund was not processed right away. I have messaged them every day since XX/XX/XXXX and the seller has messaged them as well. They refuse to issue the refund immediately and hide behind this excuse. They get to hold on to my money for possibly a month a mower and make money off of me. Their representatives have lied about when the funds would be issued back to my account. I was told it would be on the XXXX and they told the seller that as well. The funds are still not in my account and they are back to saying it could take up to 30 days. Because of their size, they think that no one can fight them or do anything to hold them accountable for their deceiving business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I was given a debit card from the Dept of Unemployment for a 3rd party Bank of America with no chip on it and I used it at a ATM during COVID Pandemic on XX/XX/2020 and then I was waiting on back pay from Unemployment did not know I finally got it due to that someone had copied my ATM card thru a reader at the ATM i used in XXXX, Ma and then went ahead and duplicated my card and made XXXX {$1000.00} different ATM transactions out of my account. I never lost my card or gave my pin to anyone. I reported this to the bank and police and the bank has not refunded my money still to this day. I have spent over 150 hours on the phone with the bank and claims and they still refused to refund the money even thu it was stated that there were issues at the ATM i used with other fraud victims. This has been a big problem with this bank for millions in a big XXXX fraud lawsuit court order to pay victims back I did not join this state wide lawsuit. I have been trying to get the money back my self. I have called all my state reps for help with no help in site, I have contacted unemplyment as well with no help as well. I am out {$5000.00} and I am over XXXX years old and this is horrible still now over a year long trying to get my money back with no sucess, I need 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 2021-11-16 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: NY

Complaint narrative:
I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CHS, Inc.
State: VA

Complaint narrative:
They are trying to collect XXXX interest on a hospital bill when I almost died.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 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: NY

Complaint narrative:
I have never had a delay in available credit when I make a payment to my credit card. I made two payments to my credit card at XXXX. I paid {$350.00} and {$75.00}, and need to use the card right away. There is all of the sudden a delay in the available credit. Then, when I placed a call to customer service the person who picked up the phone at the XXXX number put their supervisor on the phone and the supervisor said " there is no way I can possibly help you at this time '' and did not even know when the payments would be available for use. I was also told that my line of credit is over the limit by more than {$75.00}, which it is not.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: UMB FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/2021 i transferred " {$5000.00} '' from my XXXX XXXX XXXX Account through ACH to my XXXX XXXX account whom financial institution is " UMB Bank National Association '' XX/XX/2021 at XXXX they received the deposit AND closed my access to the account the same morning due to " Risk management '' they state. 

I've called numerous times from now up to now ( XX/XX/XXXX ) being also told that i would not receive my funds from them in check or any form from them. 

XXXX XXXX XXXX ' on XX/XX/XXXX sent a letter of Indemnity to 'UMB Bank National Association ' requesting the funds be reversed back to their institution in which they have not received any response since.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to update or remove from reporting : XXXX-Balance {$730.00} XXXX XXXX XXXX-Balance {$840.00} XXXX XXXX XXXXXXXX-Balance {$400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Healthcare Receivables Group, Inc.
State: NC

Complaint narrative:
The company name is HealthCare Receivables Group.

I woke up one morning to check my bank account. Only to find on my credit report 159 new accounts opened in my name. Apparently they opened debt collection accounts in my name with multiple duplicates. We're talking some charges duplicated as much as 15 or possibly even 20 times. 

Which also inflates the amount owed and makes the amount of credit owed appear greater than it actually is. This is a direct attempt to sabotage my credit after I've told them to stop contacting me. And they contact me nearly daily. Sometimes two or three times a day as well. 

I do not believe these multiple duplicate charges to be " accidents '' they're not being paid, they've been told not to contact, and they break pretty much every single protection that a consumer is supposed to have from being harassed. 

Also when they contact to collect they lie about the nature of the call. 
When you ask what this is in regaurds to they state and this is a direct quote : " It's in regaurds to a personal business matter for ( insert x ) '' Not at any point disclosing this is an attempt to collect a debt. Or even the name of their own company. They don't even disclose that. 

As a result it now looks like I owe 160 creditors and it's 1 SINGLE company. 
It also looks like I owe about XXXX when it's probably more like XXXX. If that even. 

Anyone that thinks about using this collections agency don't. You're literally giving them license to harass your clients. Because that's all they do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 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: CA

Complaint narrative:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to update or remove from reporting. 
XXXX-Balance {$0.00} XXXX-Balance {$0.00} XXXX-Balance {$0.00} XXXX-Balance {$0.00} XXXX XXXX XXXX-Balance {$2900.00} XXXX-Balance {$410.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
during a transaction so some one in between the lines spent things and delivered data with no reflection on the account added. This is why the account in negative! 



Hello : Fifth Third Bank The account has malf 'd again and re-deucted some credits the next time around to reflect the already ducted balance transacted in the first exchange per transaction. Now the transactions are credit that is in the red as normal for XXXX ; and XX/XX/XXXX for replaced credit from the total in deposits and transfers positivity on XX/XX/XXXX a bal : XXXX Which I added and is devout for transactions I can't deduct because they aren't supposed to be negative charges instead they are positive charges to be placed back in the account related to the re-pend certain categories. I will revisit the bank tomorrow and forward this to an FDIC office for a report & review; name : XXXX XXXX XXXX, birthday : XX/XX/XXXX Acct ending : XXXX All positive deposits and transactions + : XXXX XXXX $ XXXX XXXX $ So I look funny in the face with a negative XXXX $ ; please call if you have questions about this account, I got fraud by your system ; now they want to close this account. As of today the account supposed to have {$3.00} XXXX but it's exhausted by $ XXXX and it's a brick wall rip-off because of most employees trying to help solve another employees problems. This account I got it's based on savings/supplies and donorship sponsors. Thanks thus " I need help fast ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are still reporting on my Credit Reports and need to delete immediately. 
Wrong Addresses : XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX  XXXX, FL XXXX Employer : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
XX/XX/XXXX : {$1200.00} fraudulent and unauthorized charge ( dated XX/XX/XXXX ) was first reported to the Credit Card Customer Service phone line as soon as it was first discovered when I received the credit card statement ( XX/XX/XXXX closing date ) XX/XX/XXXX : Written notice of the discovery of this fraudulent and unauthorized charge sent on XX/XX/XXXX to Credit Card Services via US Postal Service Certified Mail XX/XX/XXXX : Received written notice from Credit Card Customer Service ( dated XX/XX/XXXX ) that they are investigating fraud claim. 

XX/XX/XXXX : Received system generated letter from Security Operations dated XX/XX/XXXX that they deny they claim of unauthorized use, and have rebilled the charge of {$1200.00}. 

XX/XX/XXXX : Also received credit card statement ( XX/XX/XXXX closing date ) showing the rebilling and requesting full payment of the {$1200.00}. 

XX/XX/XXXX : Called Credit Card Customer Service phone line, who could only confirm that the charge was rebilled to account, and could not take further action. 

XX/XX/XXXX : Called Credit Card Security Operations who only responded that their internal investigation was closed, that they deny my claim of unauthorized use of the account, and that the charge is rebilled and payment expected. 

XX/XX/XXXX : Written notice sent via US Postal Service Certified Mail that I disagree with their assertions. My position is still that the {$1200.00} charge dated XX/XX/XXXX is both fraudulent and unauthorized. I am the only authorized user on that account, I never set foot in that store on any day in XXXX, and I did NOT authorize or execute that charge. 

XX/XX/XXXX : Filed initial complaint via Consumer Financial Protection Bureau ( CFPB )

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