vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-02 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: WA

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 60 days gives a reason to immediately remove those items from my credit report it has been over 45 days so they should delete promptly.

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 2021-02-02 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: KY

Complaint narrative:
I've sent several letters to TransUnion to request debt validation documents and the company has not provided me with any documentation that supports any derogatory marks are valid. They only update remarks with limited information on how they validated the account. The first letter was sent out on XX/XX/XXXX and I received no response. The second letter was sent XX/XX/XXXX and still received no verification documents. I called TransUnion the third week of XXXX which they claim they never received not one of my letters until I talked to a manager and he claimed my letters were received and being handled. Still haven't heard anything from TransUnion. XXXX XXXX accounts should be removed immediately as these accounts were reported fraudulent on XX/XX/XXXX and removed..

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 2021-02-02 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: PINNACLE RECOVERY, INC.
State: CA

Complaint narrative:
I receive letter in the mail from XXXXXXXX XXXX On behalf A XXXX timeshare. XXXX has maintained action of collecting mortgage payment and cleaning fees monthly. When I refer back to my bank statements XXXX has stopped collecting money out of my account and has not contact me regarding issue via phone or email. I have not receive letters from XXXX Last letter received Was XX/XX/2020. Due to issues in the mail around that time it is understandable that most mail was lost Where I had to go to the Post Office to retrieve my mail. I recently received A collections Agency information by the name of XXXX requesting {$15000.00} in debt. I believe that was accumulated due to XXXX not continuing To retrieve money from my account and Large late fees. Per my bank statements cleaning fees of the resorts continuously were taking out until XX/XX/2020. I'm seeking assistance to see how can I move forward to dispute this debt collection as I have been a timeshare holder for 2 years now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 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: KY

Complaint narrative:
I've sent several letters to XXXX  to request debt validation documents and the company has not provided me with any documentation that supports any derogatory marks are valid. They only update remarks with limited information on how they validated the account. The first letter was sent out on XX/XX/XXXX and I received no response. The second letter was sent XX/XX/XXXX and still received no verification documents. I called XXXX  the third week of XXXX which they claim they never received not one of my letters until I talked to a manager and he claimed my letters were received and being handled. Still haven't heard anything from XXXX. XXXX XXXX  accounts should be removed immediately as these accounts were reported fraudulent on XX/XX/XXXX and removed..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: ROBINHOOD MARKETS INC.
State: PA

Complaint narrative:
on XX/XX/2021, Robinhood LLC manipulated stock market by stopping Buy uption shares i hold XXXX XXXX XXXX XXXX XXXX and caused them to lose value. This manipulative action of Robinhood financial LLC caused me to lose almost {$7000.00} loss because they created Panic by stopping sell certain 12 stocks first time in history.There are multiple lawsuits against Robinhood financial llc and its all over the News Channels And again on XX/XX/2021, Robinhood Financial LLC manipulated crptocurrency market by stopping Buy option of XXXX and caused it to crash lose value.This manipulative action of Robinhood financial LLC caused me to lose almost {$3000.00} loss because they created Panic by stopping Buy option as well. 

Robinhood LLC just got charged last month by SEC for malpractice and Now they are being reviewed again after XXXX XXXX market manipulation XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Hello, I wrote you complain previously about Synhrony banks, when they do not proper close my account, all my disscus with this bank do not bring me a result, it is ok, this is a bank but I just a human, however this bank used my personal information for request a loan and add this information to my credit report. 

ILLEGALITY

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 2021-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.
State: OK

Complaint narrative:
On or about sometimes in XX/XX/2020 i submitted a dispute into a credit card from XXXX XXXX XXXX # XXXX Sold to Afin collection Agency. On XX/XX/2020 Afni completed its investigation in to my dispute # XXXX, Ruled the account as fraud due to Identity theft. Till this date the company still have not sent me a letter confirming the account has been resolved in my favor. Which is in violation of my due process rights per the FCRA where the complaintant be aware of the company disposition.

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

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 60 days gives a reason to immediately remove those items from my credit report it has been over 45 days so they should delete promptly.

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

Complaint narrative:
I would like to file a complaint against TransUnion XXXX XXXX. I have sent a letter disputing accounts that are being reported inaccurately on my credit report. I have also sent them a second follow up letter. As I'm filing this complaint, they have not provided anything information regarding the investigation. As matter of facts I have no response what so ever from TransUnion 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 2021-02-02 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
A debt collector has violated my HIPPA rights. The company has bee reporting negatively on my XXXX XXXX and XXXX. I have contacted XXXX XXXX  and XXXX  by letter and certified mail beginning XX/XX/2020, XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX and each month thereafter. I have also contacted the hospital and debt collector in which the company has sent me a contract, detailed with my personal information and what medical reason I was been treated for. I have communications regarding certified letters and dates the companies and bureaus and i were in communication.

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 2021-02-02 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$590.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$590.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2021-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Colony Brands, Inc.
State: TX

Complaint narrative:
XXXX XXXX - {$120.00} I CONTACTED THIS COMPANY BACK IN XXXX OF 2020 TO HAVE THIS INACCURUARATE INFORMATION REMOVED FROM MY CREDIT FILE. NO CALL BACK OR RESPONSE BY PHONE OR MAIL FROM THIS COMPANY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: STATE FARM BANK, FSB
State: OK

Complaint narrative:
On or about sometimes in XX/XX/2020 i submitted a dispute into a credit card from State Farm Bank # XXXX Sold to XXXX collection Agency. On XX/XX/2020 XXXX completed its investigation in to my dispute # XXXX, Ruled the account as fraud due to Identity theft. Till this date the company still have not sent me a letter confirming the account has been resolved in my favor. Which is in violation of my due process rights per the FCRA where the complaintant be aware of the company disposition.

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

Complaint narrative:
I would like to file a complaint against Equifax. I have sent a letter disputing accounts that are being reported inaccurately on my credit report. I have also sent them a second follow up letter. As I'm filing this complaint, they have not provided anything information regarding the investigation. As matter of fact I have no response Equifax.

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

Complaint narrative:
This company is without a doubt one of the most unscrupulous ones out there. I have constant issues with them especially with regards to them failing to apply payments, changing due dates, adjusting available credit weeks after payments already cleared. 

I was enrolled in 3 different programs for covid been there for 8 years never late and i paid as well based on their directives and they reported me late for XXXX and XX/XX/2020. Never been late in 8 years didnt start now. 

Just because they repeatedly lie about it i started screenshots of everything nightly. They are now saying i didnt make a payment before XX/XX/XXXX which you clearly see attached i made the payments and more and they fraudulently added on a late fee yet again. They also have yet to refund a cancelled transaction from XX/XX/2020 which is just how they are - beware

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 2021-02-02 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This company is without a doubt one of the most unscrupulous ones out there. I have constant issues with them especially with regards to them failing to apply payments, changing due dates, adjusting available credit weeks after payments already cleared.

I was enrolled in 3 different programs for covid been there for 8 years never late and i paid as well based on their directives and they reported me late for XXXX and XX/XX/2020. Never been late in 8 years didnt start now. 

Just because they repeatedly lie about it i started screenshots of everything nightly. They are now saying i didnt make a payment before XX/XX/XXXX which you clearly see attached i made the payments and more and they fraudulently added on a late fee yet again. They also have yet to refund a cancelled transaction from XX/XX/2020 which is just how they are - beware

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 2021-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NC

Complaint narrative:
A gift card from XXXX was purchased in store in XXXX Florida for XXXX dollars using my cash app card. I live in North Carolina and have not been to Florida. I also have never given any of my personal information about cash app or my card information to any one. I was in my bed sleeping when this purchase was made. Cash app has no means to which I can cancel the purchase and XXXX  has no real way to verify the purchase because it was not an online purchase. I have never lost or stolen this card for the card info to be in Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have called multiple times to Synchrony, emailed, etc. During a hard time where our country has been hit with a pandemic, I was advised by a customer service rep at this agent that under the customer assistance plan I was placed on, my credit would not be affected. However, this was not the case and even after writing to the CEO and speaking to customer relations, they are refusing to fix the incorrect reporting.

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 2021-02-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
When the pandemic started back in XX/XX/2020, I was in XXXX, XXXX XXXX, I could not enter the USA due to the pandemic. I had two credit cards with Bank of America, which I was supposed to make MONTLY payment, Since I could not make the payments from XXXX, I called the bank directly to posponed the payments until I could enter the country and make payments myself, I was told not worry that as soon as I enter the country I could make the payment. As soon as was able to enter the country, I started making the monthly payments, which I have continue making the payments on time ever since I was able to enter the USA. However Bank of America without notice, closed my two CREDIT CARDS, even thought they said no to worry that as soon as I enter the country just make sure to start making payments. 
I have visited the bank, I have called many times asking to please reopen my credit cards that they closed for no reason, as they said not to worry that the were going to defer the payment and wait until I was able to enter the country again. 

On XX/XX/2020, I stopped by the branch is XXXX XXXX california spoke to XXXX XXXX, this is her phone number ( XXXX XXXX XXXX to get information as why the credit cards were closed, she said that there is nothing written and they do not know as why the credit cards were closed, still a mystery to all the bankers I have spoken to why my credit cards were closed without notice. I just want to add that the same day I made a payment of {$400.00}. I am a honest person and do not want bank of America to destroy my reputation during this difficult times we all are going through.

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 2021-02-02 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: MD

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I would appreciate it if you deleted these items immediately as it is hindering me. This issue is frustrating and I just ask that I can be assisted in any way to help my situation. I am a XXXX XXXX recently engaged and trying to purchase my first home with my soon to be wife.

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

Complaint narrative:
Repeatedly contacted company through mail, phone calls, certified letters with zero progress. Even contacted their executive office which assured it would be expediently rectified and never has been. 

The attached inquiries were invalid and occurred as a glitch in creditor system creditor took accountability and has now sent both Equifax and I removal request 11 times since XXXX of 2020 with zero action on Equifaxs part. 

Additionally Equifax removed account with XXXX and XXXX XXXX were provided everything to have readded and they stated please allow 30 days for those accounts to be readded it has been 4 months. They continue to report error with XXXX  XXXX XXXX  despite constant proof XXXX XXXX XXXX never late

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I would like my Mortgage Services SPS to consider giving me extension another 180 Days of forbearance. I am financially not recovered as Direct impact of XXXX. 
I received a letter from SPS That I shall resume my payment starting XX/XX/2021. 
The balloon payment is due XX/XX/2021.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation