vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: United Collection Bureau, Inc.
State: AR

Complaint narrative:
One day I receive an email from XXXX stating that a new collections account was reported on my credit. I log in to see that the collections that was reported was from an automobile wreck that happened on XX/XX/2018. I attempted to contact the company explaining to them that I wasnt responsible for that bill because the driver of the other vehicle drove into the back of my vehicle and his insurance company agreed to pay my medical bills but never went through with their agreement. I had no idea that the bill didnt get paid because Ive never received a notice in the mail until I moved to a new address and filled out a change of address form. Again, that bill wasnt my responsibility and after I called the responsible insurance company, they continued to state that they will pay the bill but kept giving me runaround errands to get the bill to them. I was told by either the collections company or insurance company that the bill can not be sent to the insurance company from the actual collections company. The insurance company provided me an email, for the bill to be sent, that did not work. The hospital that the bill came from stated they contacted the insurance company multiple times to get the bill resolved but they never gotten a response. I then called my insurance company and they distributed a check with the full bill amount so that I could pay off the collections bill. This collections bill caused my credit score to subtract 101 points from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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: CBC Companies, Inc.
State: FL

Complaint narrative:
I have requested my consumer report several times with Innovis in XXXX, XXXX and XXXX of 2020 and still have failed to receive it. I have requested it on there website and by mailing a letter with no response. I want my consumer report mailed to me immediately as it is my right as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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: FL

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Yesterday I received an email from Synchrony Bank stating that the XXXX  MasterCard program was coming to an end and that next month, all XXXX MasterCards would be closed.

I did some research, and when this happened not that long ago with there Toys'R'Us card, they gave there card holders the option to change to a non branded Synchrony Bank Card . 

Today, I called and I spoke with one of there customer service reps XXXX, I asked if this was an option for my account, and his response was to just apply for a new one. I explained that closing out credit cards, hurts your credit score. I also explained opening new credit cards can hurt your credit score. He continued to read from a script. 

I understand that partnerships end, that being said, Synchrony has a history of offering alternative solutions. Why is it not being offered here?

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 2021-04-07 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:
On XXXX I sent a letter regarding inaccurate and unknown derogatory items on my credit profile that does not belong to me. A XXXX XXXX XXXX collection ( opened on XX/XX/XXXX ), XXXX XXXX ( Original Creditor : Progress Insurance ) collection opened on XX/XX/XXXX, and a collection from XX/XX/XXXX for {$790.00} from a medical creditor. It has been over 60 says and I have not received a response yet. I feel that I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, It has been over 60 days so the items should be deleted promptly. I demand that those accounts be deleted immediately or I will file litigation due to the overwhelming stress you have caused me. My personal information was impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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: LA

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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: LA

Complaint narrative:
XXXX XXXX XXXX sent me a statement for a credit card I never applied for, I never received, I never activated, and I never used. The statement included an annual fee and a missed payment fee ( for the annual fee ). There were no actual charges for purchases on the account. 

I called XXXX XXXX XXXX  and explained that I did not apply for this credit card, I did not receive this credit card, I did not activate this credit card, and I did not use this credit card. They informed me, their credit cards come activated, so no activation is needed. They said, that since I did not apply for the credit card, I did not receive it, and I did not use it, they were reversing the annual fee and missed payment fee, then closing the account for the credit card. Which they did do. 

The issue is : they left the missed payment on my credit report, even though I did not miss a payment. I did not apply for the credit card. I did not receive the credit card. I did not activate the credit card. I certainly did not use the credit card. 

I called XXXX XXXX XXXX, again, to have them remove this from my credit report. They told me to dispute it with the credit reporting agency. I disputed it with Experian, which is the reporting agency I know it's reported on. Experian said that XXXX XXXX XXXX  confirmed that the credit report is correct, so the credit report will remain unchanged. 

The report is not correct, as it was a fraudulent account, likely setup by XXXX XXXX XXXX  themselves, which is likely why it's the ONLY non-store ( real ) credit card I have ever heard of not requiring the credit card to be activated upon receipt! 

Since I did not apply for this credit card, I did not receive the credit card, I did not activate the credit card, I did not use the credit card, and they quickly reversed the fees associated with the credit card, because they knew it was not authorized by me, it should not be on my credit report!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SCA Collections, Inc.
State: NC

Complaint narrative:
On XXXX I requested validation from SCA COLLECTIONS of two unknown medical accounts being reported to XXXX, XXXX, and XXXX. They have provided me zero information to validate these debts. I believe they are reporting fictitious information on my credit reports. This strikes me as being deceptive. These accounts have been left invalidated and must be removed by law. In fact, SCA COLLECTIONS may be violating HIPAA laws along with Federal and State statutes on fraudulent extortion and illegal collection activities.

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 2021-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XXXX  by XXXX XXXX debited {$320.00} on XX/XX/2021 and {$300.00} on XX/XX/2021 without my consent. I did not authorize this. I have spoken to them and they say its too late to contact the bank and that it was refunded. Showing on my account. I contacted the bank and they said it has not been refunded. They advised me to contact you. Initially when I contacted the bank they said they would fix it and it would reflect in my account within 3 days. It has been weeks and it is still not resolved. Please advise me on what to do. I also had to get a new debit card which the bank charged me {$5.00} for.

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 2021-04-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: United Collection Bureau, Inc.
State: OK

Complaint narrative:
Im a US XXXX Veteran I have a family of XXXX and Ive worked hard to get my credit up. The VA was working on the problem and was in the process of paying it. 

I got a loan and payed it off quicker so the VA will reimburse me. 

Can u please give me my points back or repair my credit score to the way it was, please ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ability Recovery Services, LLC
State: FL

Complaint narrative:
ABILITY RECOVERY SERVICES reporting a major derogatory item on my credit report. This is a third party company trying to collect a debt for a XXXX program. I didnt take any XXXX online classes or have any debt with them. they keep calling me and putting a bad major derogatory status on my credit.

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 2021-04-07 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: NC

Complaint narrative:
I was submit a complaint with XXXX XXXX about two accounts in my credit reports. Problem is that their account appears in my credit reports for too long time. 
Accounts are : 1. XXXX XXXX XXXX ( Credit Card, Opened XXXX XXXX, XXXX ( 17 yrs, 10 mos ) ) and Closed on XX/XX/XXXX 2. XXXX XXXX XXXX ( Credit Card, Opened XXXX XXXX, XXXX ( 17 yrs, 10 mos ) ) and Closed on 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 2021-04-07 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: NC

Complaint narrative:
I was submit a complaint with XXXX XXXX  about two accounts in my credit reports. Problem is that their account appears in my credit reports for too long time. 
Accounts are : 1. XXXX XXXX XXXX ( Credit Card, Opened XXXX XXXX, XXXX ( 17 yrs, 10 mos ) ) and Closed onXX/XX/XXXX 2. XXXX XX/XX/XXXX XXXX ( Credit Card, Opened XXXX XXXX, XXXX ( 17 yrs, 10 mos ) ) and Closed on XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
XXXX A payment was made in the amount of {$300.00}. Spoke with XXXX XXXX. I requested that {$260.00} escrow shortage be paid off and the {$30.00} balance be added to the current escrow balance. My mortgage payment should now be {$740.00}. Mortgage payment currently shows {$810.00}. Shellpoint Mortgage has not applied the escrow shortage payment as I have requested and paid on XXXX. On the website, Shellpoint Mortgage has not corrected the monthly mortgage payment and continues to show monthly mortgage payment {$810.00}. Escrow balance currently shows {$2000.00}. Please verify this information with the recording of call to Shellpoint Mortgage. Shellpoint Mortgage has not supplied accurate information and made no mention of the request to apply the XXXX payment to pay off escrow shortage that can be verified in the recorded conversation with the Shellpoint representative, XXXX XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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: TX

Complaint narrative:
I am an XXXX  XXXX, and my money is deposited in PayPal. Only a few refunds have occurred to my money, which is a normal transaction behavior. However, PayPal has taken all my money away, which makes my life very difficult XX/XX/2019 PayPal - negative {$7400.00} XX/XX/XXXX Transfer P PayPal - negative {$7400.00} XX/XX/XXXX Transfer Loading transaction details for PayPal - negative {$7400.00} XX/XX/XXXX Transfer You reported a problem with this transaction. See the status of your case in the Resolution Center. 
Paid with Balance {$7400.00} Transaction ID XXXX XXXX  info PayPal Note {$7400.00} USD ; PayPal Posting Date : XX/XX/2019 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
With Chase Bank I tried to have them unlock my checking account and they told me that the account had been closed I asked them why they said they could not tell me. But after 10 days they would send me my funds that were available

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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: NC

Complaint narrative:
I received a copy of my credit report and found that there is an error in the following item : 1 ) XXXX  ( Charge Account, Opened XXXX XXXX, XXXX ( 9 yrs, 1 mo ) ). 2 ) XXXX XXXX XXXX ( Charge account, Opened XXXX XXXX, XXXX ( 8 yrs, 11 mos ) ). These accounts have been in my report for over 7 years. I already wrote to the company months ago and still have no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: WI

Complaint narrative:
On XX/XX/2021 I tried using MoneyGram to transfer funds from my XXXX XXXX to my bank debit card. {$2500.00}. The transaction was canceled for some reason and they had already removed the money from my emerald card. They said 3-10 business days to get the refund. Its been all of 10 business days and have not gotten anything. I reached out to MoneyGram to find out what was going on. They told me it was refund that same day and to contact my bank. I contacted XXXX XXXX  and they told me that the transaction was pending and money gram was holding my money. I dont know what else to do. Nether place seems to know where my money went

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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: NC

Complaint narrative:
Hello my name is XXXX XXXX I have submitted to the agencies over and over again about my personal information.The only address should be on file is XXXX XXXX XXXX  XXXX Nc XXXX. There's no other spelling in my name besides the one above.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Hello my name is XXXX XXXX I have submitted to the agencies over and over again about my personal information.The only address should be on file is XXXX XXXXXX/XX/XXXX XXXX Nc XXXX. There's no other spelling in my name besides the one above.

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 2021-04-07 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I received a copy of my credit report and found that there is an error in the following item : 1 ) XX/XX/XXXX ( Charge Account, Opened XXXX XXXX, XXXX ( 9 yrs, 1 mo ) ). 2 ) XXXX XX/XX/XXXX XX/XX/XXXX Charge account, Opened XXXX XXXX, XXXX XXXX 8 yrs, 11 mos ) ). These accounts have been in my report for over 7 years. I already wrote to the company months ago and still have no response.

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 2021-04-07 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: MS

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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:
Hello my name is XXXX XXXX I sent debt dispute letters 40 days ago with no response listed below are the accounts In dispute. 

Credit Bureau-XX/XX/XXXX XXXX Original Creditor : XXXXXX/XX/XXXX),XX/XX/XXXXXXXX Original Creditor : XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/2019, XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX, N/A, XXXX, XXXX, N/A, XXXX, XXXX, XXXX, XXXX I mailed these out on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC
State: AZ

Complaint narrative:
I sent a Payoff request to this company via the email XXXX as per that companies instructions. The first request was sent XX/XX/2021, the second was on XX/XX/2021. I still haven't gotten the payoff quote so that I can pay off my mortgage.

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