vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
You are in direct violation of hippa laws and I ask for immediate removal of any medical bill on my credit report immediately! I request the removal or with use my legal rights and attorney to file a lawsuit against your agency! Any medical bill on any of my three credit reporting agencies ( XXXX  ) ( XXXX XXXX XXXX ) those are the companies reporting medical bills violations of hippa laws!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 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: GA

Complaint narrative:
Transunion is knowingly reporting incorrect information on my credit report. I have sent in verification that XXXX XXXX XXXX , XXXX  is deliberately reporting false information. XX/XX/2021 listed as 149 days late, this is inaccurate As of XX/XX/2021 this account is 321 days past due. 
This account has been listed as 149 late since XXXX of 2021 all months are inaccurate This account is more than 149 day late. 
The last payment was on XX/XX/2021 Please delete and block this inaccurate information from reporting on to my credit report. 
I have attached a last due notice statement from 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 2021-09-04 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
After writing in with multiple affidavits of truth and fact, providing claims that support my if any therefore said debt in connection with credit reporting agencies. I am the creditor and executor of my estate. I have no authorized my credit use. under Title 15 credit reporting is in fact " optional ''. I do not consent to having my information sold to third party creditors. 
Now will continue to arbitrate or seek litigation. 5 months of ignoring my request and proof of claim that. the debt does not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 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:
On XX/XX/XXXX I sent a letter to Equifax disputing an account that is falsley being reported on my account. The account in question is - XXXX XXXXXXXX XXXX - XXXX. I requested for physical proof of verification and did not receive a response. 

I then sent another letter to Equifax on XX/XX/XXXX requesting for this account to be deleted as XXXX  and XXXX  deleted the account based on the lack of ability to properly verify the reported information being accurate. I received no response from Equifax. 

So I then filed a complaint through CFPB on XX/XX/XXXX. I received a response on XX/XX/XXXX that the company would investigate. It is now XX/XX/XXXX, and I have not received a formal response from Equifax on this investigation. I looked onto my credit profile today and saw that the account in question is still on my report. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, I am requesting Equifax to now delete this account off of my profile, as they have failed to properly verify this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Chime Financial Inc
State: OH

Complaint narrative:
Hello, I am forwarding this complaint because Chime truly put my family in a bind and presented additional mental distress during this pandemic, I emailed this company over 15x for a better understanding of why our overdraft limit went from XXXX to XXXX in one fail swoop in a spann of 2hours. I would like to offer context and backstory to this, I have been with Chime for 3 years-they are not a traditional bank so that's why I tried them out. One of the features the app has is the ability to have a friend send you a XXXX. A friend of my husband and I sent a {$5.00} boost and that in turn increased our XXXX Overdraft limit to XXXX. We received an email notification at XXXX, XX/XX/21 then at XXXX we received an email stating that our overdraft limit had been dropped to XXXX. That is a huge difference, granted we aren't entitled to the overdraft but this is what they advertised and I partook in that. This caused instant panic and distress due to the fact that the XXXX was factored into our budget. I reached out to customer service, and the rep did not have answers, so I then spoke with a supervisor, and then floor manager. The floor manager XXXX added insult to injury being rude, sarcastic, flippant, he would put the call on mute while we asked questions and would not respond. After a phone call that was over a hour and Us being pushed to the extreme limits I mean exhausted mentally and angry, we are given emails XXXX XXXX XXXX and XXXX XXXX XXXX. I reached out to them and was told that that our last qualifying deposit in order to enable XXXX  was in XXXX, but I was confused by this because in XXXX the SpotMe limit was XXXX. They had no rhyme or reason to why it continued leaving my family under the impression that the overdraft was XXXX. I emailed them so many times with no response, until the point I knew I was being ignored. This has put my family and I in a terrible bind for the next 2 weeks. There was no warning that the limit would change or anything. This entire experience was traumatic and I pray someone looks into why there wouldnt be a warning email or something.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
BBT received payoff for HELOC on XX/XX/XXXX from refinance settlement agent but had not yet been credited. In a conversation with customer service line on that day ( XXXX ) since my payment due date was XX/XX/XXXX they suggested making a payment to avoid late fees and I did so via online transfer to loan account. On XXXX customer service said payment on XXXX was still being processed and any overage payment would take 10 days for a mailed check from BBT. 

My complaint : I have multiple accounts with bbt and any overage should be repaid via account transfer and not a mailed check taking 10 business 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 2021-09-04 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 am a victim of identity theft and did not make these charges. The items that need to be removed from my report are listed in my supporting documents. I do not know these companies. I have never done any business with this companies. These companies does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 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: ACIMA CREDIT, LLC
State: PA

Complaint narrative:
I am a victim of identity theft and did not make these charges. The items that need to be removed from my report are listed in my supporting documents. I do not know these companies. I have never done any business with this companies. These companies does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL
State: DE

Complaint narrative:
Contacted local store today followed up with calling Synchrony Bank and filed a police report. 
Contacted XXXX Social security number was used

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 2021-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My Bank of America EDD debit card information was somehow stolen and around {$3000.00} were drained from my Debit account using ATM withdrawals leaving me with a meager {$200.00} balance before the XXXX XXXX XXXXI only found out on Thursday XX/XX/XXXX after my card was declined at a XXXX. There were 2 fraudulent withdraws for {$1000.00} cash at an atm and another withdraw for {$900.00} followed by another withdraw for {$100.00}. All in less than 48 hours. The bank failed to notify me of any fraudulent activity which had occurred on the XXXX and simply suspended my card. When I got a hold of them that day after my card was declined they had me open a claim and informed me it could be up to 90 days thats 3 months before they decide if they will credit my account or not for the stolen funds. Keep in mind I had the physical card on hand and someone was able to withdraw {$3000.00} from an atm without my actual atm card. The bank transferred me from rep to rep over two days and said all they could do was perhaps give me some kind of credit in 10 days but emphasized they could not do anything about it at this time. Its clear they failed fo secure my information properly, failed to notify me of the fraudulent activity, and considering that all atm machines have cameras nowadays they can clearly check the atm at which these withdrawals took place to see it wasnt me and find out who did it. I have replied on these unemployment funds to survive and Bank of America has left me penniless and unable to provide for my family and my sick grandmother because of their inaction and lack of urgency. They refuse to credit my account back for the stolen funds and are forcing me to wait 3 months.

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 2021-09-04 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Professional Finance Company, Inc.
State: OK

Complaint narrative:
I have been repeatedly contacted by Professional Finance Company about a hospital bill from XXXX. I sent a certified letter on XX/XX/XXXX in response to their claims that I owe money, I responded within 30 days of their last collection letter. I asked for proof of the debt and what amount they will settle for if it is proven to be mine. My letter was received by " XXXX '' at PFC on XX/XX/XXXX, and I received no response or proof of the debt from PFC. 

Today ( XXXX XXXX XXXX ) I received another letter dated XXXX XXXX threatening to take legal action against me if I don't pay them {$1300.00}. They did not acknowledge my request for proof of the debt and they are still adding interest to the amount. Bear in mind, THEY STILL HAVE NOT PROVEN THAT THIS DEBT IS EVEN OWED BY ME. Just threats and demands. 

I guess I'll just see them in court since they're going to sue me over a debt they can not provide proof of!

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-04 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: MO

Complaint narrative:
I recently sent you a letter requesting that you re-examine the wrong and incorrect information in my file, but your re-examination does not address my problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is my sixth attempt contacting the credit bureaus they have simply failed to uphold the law. All in all, they have ignored my request to provide me with the documents that they have in their files that were used to verify the disputed accounts which means that they have NOT verified or can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly delete all information which can not be verified. This law is as clear as daylight as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. The investigation has taken longer than 30 days they have they have Failed to respond satisfactorily within 4 days of receipt of this under Section 605B. I have filed reports with my local police department, FTC, State Attorney General, and the CFPB. This identity theft has destroyed my life and stopped me from purchasing a home I have worked so hard for my son and I.

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 2021-09-04 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: FL

Complaint narrative:
This is my sixth attempt contacting the credit bureaus they have simply failed to uphold the law. All in all, they have ignored my request to provide me with the documents that they have in their files that were used to verify the disputed accounts which means that they have NOT verified or can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly delete all information which can not be verified. This law is as clear as daylight as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. The investigation has taken longer than 30 days they have they have Failed to respond satisfactorily within 4 days of receipt of this under Section 605B. I have filed reports with my local police department, FTC, State Attorney General, and the CFPB. This identity theft has destroyed my life and stopped me from purchasing a home I have worked so hard for my son and I.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 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: TN

Complaint narrative:
I submitted you a request not long ago to reinvestigate and remove the accounts from my credit report, and I was disappointed to learn that these false accounts were still showing up on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: COLORADO HOUSING AND FINANCE AUTHORITY
State: CO

Complaint narrative:
I entered into Forbearance program with CHFA for three months ( XXXX, XXXX and XXXX ) last year and after three months, I started my payment on XX/XX/XXXX and CHFA entered into my account on XX/XX/XXXX my first payment after Forbearance, CHFA send me document to be notary from my Bank for my Forbearance to reinstate my account in which I sent all the document to them and called them for confirmation that they received the document, I still have my duplicates. I noticed CHFA was holding on to my payment for months and when I called them that my payments are not applied to my account, they told me until the program is over which force my account to one year of the program. I only run the program for three months last year but they applied all payment from last year XXXX in this year XX/XX/XXXX only applied three payments last year. Now CHFA reported to credit bureau that I own them 5 months mortgage payment in amount of {$14000.00} ( that's XXXX per month ), which according to their system all payments from XX/XX/XXXX to XX/XX/XXXX applied to Forbearance my account indicating that I still own Mortgage for 5 months. They charge my account with {$310.00} late payment which stop any lender to refinance with because debt and also late payment. I called them 2-3 times every month since XXXX till today and all that they ( XXXX XXXX XXXX XXXX told me is their supervisor or underwriter have to address my case. I have spoke to a lot of staff or Rep. ( XXXX, XXXX, XXXX etc ) on the phone and what they told me is their supervisor will call me or fix it. I always received calls from this number XXXX collecting debt every other days and multiple threaten letters to send my house to foreclosure, when I called them am told they will it in 2-5 weeks. Am told one staff called XXXX is responsibly or handle my account but she stop working on it since last two months XXXX without any reason and I believe because they notices am doing refinance with XXXX XXXX XXXX, knowing that I can't refinance if am still under Forbearance, Late payment on my account and also send to Debt collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 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:
Hi, I have been trying to reach the different Bureaus by letter letting them know wich information its incorrect on my Credit report since a few months ago, I havent receive an answer, and at this point I just feel they are not going to cooperate with me, Law states they are supposed to answer me and I feel they are preventing me from my right to know of what is going on with my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: FL

Complaint narrative:
On XX/XX/2021, I received an alert that Enhanced Recovery Company has added an account with an alleged debt on my credit reports. I never received a dunning letter from them to allow me to request that they provide me with the proper documentation to validate this alleged debt. I know for certain I never any business with Enhaced Recovery Company. I need them to close this account with this alleged debt and delete it from my credit reports. 
Account : XXXX Amount : {$2000.00} " open date '' reporting : XX/XX/2021 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 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:
Hi, I have been trying to reach the different Bureaus by letter letting them know wich information its incorrect on my Credit report since a few months ago, I havent receive an answer, and at this point I just feel they are not going to cooperate with me, Law states they are supposed to answer me and I feel they are preventing me from my right to know of what is going on with 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 explanation
Consumer complaint received 2021-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FC HoldCo LLC
State: IL

Complaint narrative:
Hello, I have tried multiple times to pay the full balance of {$1200.00} off with the agreement of them removing the charge off my credit report. They agreed to settle for {$800.00} but wont take it off my credit. I have lost my family, my job and multiple family members due to this pandemic which started me falling behind in my final months of my auto lease. 
My life has been ruined and they dont care. 
I have filed a dispute regarding the natural disaster. Didnt work.

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 2021-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mandarich Law Group, LLP
State: WA

Complaint narrative:
Received a collection letter, dated XX/XX/XXXX, from Mandarich Law Group for {$3100.00}. Creditor is named as XXXX XXXX XXXX ( account number : XXXX. 

On XX/XX/XXXX, sent a letter to Mandarich Law Group via certified mail that disputed the validity of the debt and requested verification of the debt. 

Received a letter, dated XX/XX/XXXX, with an attempt to collect the same debt that was previously disputed. No information has been provided to verify the validity of the debt as previously requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
Received marketing email from paypal for discount at seller that at the bottom of this email it says I am receiving this email because I subscribe to News and Promotions. If you check my account settings I have been unsubscribed to all emails for some time.

Company response to consumer: Closed with non-monetary relief