vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: TX

Complaint narrative:
I debt showed on my credit report from a debt collector representing my previous apartment. 

I had no clue why they were saying I owe this amount, I moved from the apartment almost a year ago and owe nothing. I never received any notice about a debt. When I call the collection agency the representative was extremely rude and unwilling to provide information. She kept saying you do owe it and you did get notifications. 

A few weeks later I received a letter from them with my least and a letter from apartment manger which was not signed stating that the charges are for damage to the carpet due to me having a pet. 

I believe the information sent to me was fabricated because the property manager was well acquainted with me and my nephew who lived in the apartment. She knew we didn't have a pet. I lived at the apartment for 3 years and I never had any pets. First of all I am XXXX to dogs and cats. The apartment was clean and no damage to the carpet other than regular wear and tear. On my lease I made a deposit of {$350.00} I tried to contact the apartment and was told that the management company no longer manage the property and they didn't have any previous information on my lease. 

Please investigate this collection agency and report them to all Federal Agencies. I believe they are committing fraud and intentionally trying to destroy people credit and scam them out of money. I am not sure if the apartment management company is giving them false information or if they are just creating fake debt for old tenants.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-11 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: KeyBridge Medical Revenue Management
State: FL

Complaint narrative:
I experienced a personal injury situation where I hired a personal injury law firm who took over paying my medical bills during the law suit. once the law suit was settled my law firm delayed paying all of my medical bills. There were one bill from my XXXX XXXX XXXX XXXX firm that was turned over to Key Bridge Medical Collections to collect. I contacted my legal firm and they paid Key Bridge Medical in full for an amount of {$390.00}. Key Bridge Medical continues to say that they want this medical collection noted on all three consumer credit reporting agencies. XXXXXXXX emailed me that Key Bridge Medical wants the debt for medical reasons collection to be continued to be noted on my credit report and XXXX refuses to delete it even when I informed them that medical collection issues were no longer supposed to be reported to the credit bureaus and in my case is even paid in full years ago.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Debt collector continues to call me, after asked not to, disclosed information to family member.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-12 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: GA

Complaint narrative:
I reviewed my credit file and I noticed that there was several accounts showing that are not mine. Please remove the following accounts : The following accounts and incorrect personal information needs to be removed from my credit file : Incorrect Name Spelling - XXXX XXXX XXXX Incorrect Address : XXXX XXXX, XXXX XXXX, XXXX XXXX Ct, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Bankruptcy Information - I never filed bankruptcy

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Continental Credit Control
State: CA

Complaint narrative:
XXXX XX/XX/2020 I had an emergency XXXX XXXX performed at XXXX XXXX, I paid the bill of {$600.00} in total at time of services. A month later XXXX XXXX of XXXX XXXX created a fictitious bill in the amount of {$350.00}. After receiving the bill I spoke to there billing department and was told it was a mistake. A couple weeks after that I received a letter all funds where credited and account is paid in full. Four times I received a bill and after calling received the same letter stating my bill was paid. 
I then received a collection notice from Continental Credit collections. When speaking to them I was told they could do nothing. I have sent my proof of payment and all copies of letters to both companies. 
I have never received proof of any charge of {$350.00} and have been told it was an error many times. Even so the bill continues and has been placed on my credit report. 
This is a felonious bill and acknowledged by XXXX XXXX Continental Credit is aware of this discrepancy. These companies have not fixed this billing error instead harassed me at work, home and placed this on my perfect credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 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: MD

Complaint narrative:
I have submitted my dispute letters over 30 days ago. The companies listed below have failed to respond and they are in violation according to 15 USC 1692. I did not give my written consent to disclose these things on my credit report according to 15 USC 1681 this is a violation. These accounts should be blocked and removed from my credit report. I have sent my FTC for these fradulents accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 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: MD

Complaint narrative:
I have submitted my dispute letters over 30 days ago. The companies listed below have failed to respond and they are in violation according to 15 USC 1692. I did not give my written consent to disclose these things on my credit report according to 15 USC 1681 this is a violation. These accounts should be blocked and removed from my credit report. I have sent my FTC for these fradulents accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, OH XXXX DOB XX/XX/1973 SS : XXXX I am in received some letters from XXXX  # XXXX, XXXX XXXX, informing me that they are handling the collection of the account mentioned above. However after reviewing my records, I am unable to find any documentation of any contractual relationship between XXXX, XXXX and myself, XXXX XXXX XXXX, which makes you a person entitled to enforce a commercial claim against me. This is not a request for any verification or validation. This is a request for proof of contract, to substantiate your claim. Therefore, provide me a certified copy of the original contract, with my signature, specifically naming. 
I do not have any documents or paper trail that these companies are entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public who duly swear the copy made is in fact a copy of the original paper contracts and accounts in question. 
I have some unknown addresses on my credit report as well that I do not recognize and well : Please Delete Address that does not belong to me : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX PLEASE Delete Phone Numbers that does not belong to me : XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX I have never done any business with the following companies. 
Please Delete UNKNOWN INQUIRIES : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I have written multiple letters to XXXX XXXX XXXX XX/XX/20 in regards to the alleged debt. They are reporting false information on my credit reports. There are reporting bankruptcy when I never had a loan from them and attached you will find a copy of the dismissal letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 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:
I have requested they provide proof that these items belong to me and no such proof was provided they are in multiple violations of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame. They have also failed to provide any proof of ownership for accounts circled in attached 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 2021-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: XOOM CORPORATION

Complaint narrative:
Its been 3rd day now and i did not receive the money that was sent to me, i received an email from XOOM that says it was deposit in progress and after that there were no more updates. Sender said it was sent successfully but I did not received anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: CT

Complaint narrative:
I opened a Chime bank account a few months ago because I was interested in their high yield savings account. I transferred a lot of money from two other personal bank accounts and at the end of XX/XX/2021, I had about $ XXXX in a Chime savings account. I am now in the process of closing on a home and I need to access my funds for the down payment. Chime does not offer external wire transfers or certified checks so in order to have this money available, I have to transfer it back out of the account to an alternate checking account. Chime has a limit of $ XXXX per day and $ XXXX per month that can be transferred. On XX/XX/XXXX, I transferred $ XXXX out of the account, on XX/XX/XXXX I transferred another $ XXXX out of the account and on XX/XX/XXXX I transferred the last $ XXXX out of the account to bring me to the monthly limit. I was planning to do another large transfer at the beginning of XXXX in order to have everything available for my XX/XX/XXXX closing date. I received an email from Chime on XX/XX/XXXX that they froze my account. I made numerous attempts to call them ( they claim their support team only operates via email ). So I sent an email. Every day this week they write back asking for another piece of documentation. All of which I have provided in a timely manner. It has been over 24 hours since they last responded and I have made it very clear how important it is to look at everything I have submitted to show all the transfers were legal and legitimate and they have not replied. I am starting to panic that my funds are going to be stolen. I also can't even access the account to provide statements for my mortgage lender to show proof I have the money. I am in desperate need of assistance as the bank has zero sense of urgency and is not helping me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: TX

Complaint narrative:
Applying for a refinance and the title company sent me a letter about a judgement against me. This debt is not on my credit report, nor did this judgement come up when I purchased the house two years ago. I never received any written proof that this debt is mine, nor was I ever notified personally by mail or phone call.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Credit Karma, LLC
State: CA

Complaint narrative:
The company is Credit Karma. I have had an account for several years. On Thursday, XX/XX/XXXX I tried to log onto my account and couldn't. I tried to recover my password with my email, and it said I didn't have an account. I inquired which email I used by entering my social security number and birth date. The email that came up as associated with that is fraudulent. On Saturday, XX/XX/2021, I was able to send a message to Credit Karma ( as a guest - I am unable to log onto my account ) declaring the fraud.They ( or a computer ) responded assigning a case number, but I have yet to hear back from them ( though I have reached out 3 more times.All of my sensitive personal and financial information is in the hands of an identity thief, and I am unable to log into the account to address the problem ( i.e. cancel the account ). I am wondering if anyone at Credit Karma actually sees these requests. It seems they do not care about fraud or identity theft!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 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: PA

Complaint narrative:
On XX/XX/2020, I sent a letter regarding inaccurate and unknown items on my credit report. To this day, over 60 days later, I have not received a response. I feel like I am being taken advantage of and ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 60 days, so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress that this ordeal has caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
A debt recently appeared on my credit reports from a collection agency called Debt Recovery Solutions for {$530.00}. On the report it only says Loan By Phone. I don't know what this is for and who it is from. This is not my account I never applied for any Loan by phone. 


I called the collection agency and the representative told me he wasn't able to tell me the name of the company but that the loan was taken out in 2018 was all the info he had on the loan. This is not my debt, I have no idea where they got my information from and how they are able to collect on a debt and not know what company it came from.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Last month I was notified by Synchrony Bank that my credit limit on my XXXX XXXX Credit Card was going down. I have never missed a payment and made above the minimum payments about 99 % of the time. There was no reason to reduce my credit line. They claim items on my credit report caused this but that is simply unfair. Credit line reductions can cause major problems for people trying to buy houses or financing a vehicle or getting business loans. This has caused that card to go to almost 100 % utilization which will lower my score and cause a domino effect. There needs to be a law that requires these credit card companies to need a solid reason to do this other than " what's on the credit report '' as it can cause a lot of damage. I have never missed a payment on anything on my credit report which makes this frustrating. I contacted them and they said I'd need to apply for an increase which I can't get because them reducing this caused my score to go down. It's completely unacceptable behavior and they are doing it because of the pandemic and trying to mitigate their losses if people default which I don't plan to do or see the need to do.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BBVA FINANCIAL CORPORATION
State: AL

Complaint narrative:
I was in the process of refinancing my home, when the banker noticed that I had charges of a Credit Card from XXXX Compass Bank in the amount of {$8000.00}. 
I had a business checking account with XXXX Compass Bank, but I closed it in approximately 15 years ago. I don't remember receiving a card, but I know I did not make any purchases using a card from XXXX Compass bank and I never received a statement from XXXX Compass about any purchases or an outstanding balance. 
I have received many banks soliciting that I do get a credit card from them or that I was preapproved. I am not sure if XXXX Compass was one of the bankers who sent me a preapproved line of credit. Normally if I received a preapproved credit card, I just shred them without reading the details. 
Unfortunately, I had to file for bankruptcy 10 years ago and XXXX Compass was not on the list, neither was it flagged by the Bankruptcy Court, so this all seems like someone opened an account in my name or it may have gone to another address and someone used it. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-12 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: PA

Complaint narrative:
On XX/XX/2020, I sent a letter regarding inaccurate and unknown items on my credit report. To this day, over 60 days later, I have not received a response. I feel like I am being taken advantage of and ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 60 days, so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress that this ordeal has caused me. My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These items have been investigated by both the police as well as the credit bureaus and proven to be fraudulent. These items have since been removed from all 3 accounts but is now showing up again on my XXXX  report as well as TransUnion as a closed account. These fraudulent accounts appearing on my report is now harming me from properly utilizing my credit. These items need to be removed and blocked from being able to re-appear on my report at a later date as they are not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: WLCC
State: NY

Complaint narrative:
I am not sure who this company is, however they continue to email after i have asked them over the years to contact me in writing if something is owed

Company response to consumer: Closed with explanation