vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: U.S. BANCORP
State: PR

Complaint narrative:
I AM SURVIVOR OF DECLARED DISASTER DR4493 COVID 19 PANDEMIC XXXX DR 4473 EARTHQAUKES , DR 4339 HURRICANE MARIA AND DR4336 HURRICANE IRMA AND THEIR DISASTER DISRUPTION CAR ACCIDENT WITH PROPERTY LOSS. I WAS REVIEWING MY CREDIT REPORTS AND NOTICE THAT US BANK XXXX XXXX CREDIT CARD REPORTED MISSED PAYMENTS AND CHARGE LATE FEES TO THE FOLLOWING MONTHS 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 AND I AM A SURVIVOR, ILOST ALL MY BELONGINSG DUE TO THE DISASTER HAVE A HARDSHIPSITUATION WHEN DUE TO DR4339 LOST MY JOB AND MY INCOMES AND NEWJOBS AND CONTRACTS DUE TO FALSE ACCUSATIONS AND LIVELS DAMAGES TO MY IMAGES AND DEFAMATION AND DAMAGES AND LOSSES. I HAVE NO AIDS AFTER MARIA AND IRMA HURRICANE. THIS COMPANY CHARGE LATE FEES AND MISSED PAYMENTS TO MY CREDITCARD BALANCE WHEN THEY KNOW ABOUT MY RIGHT TO AMORATORIUM AND DEFFERRED ON PAYMENTS. I CONTACTED THEM IN XX/XX/XXXX, AND MAKE A PAYMENT PLAN, BUT I COULD NOT CONTINUED DUE TO MY RIGHTS UNDER THE DISASTERS DR4473 , DR 4493 AND DR4339, AND THEY DIDNOT CARE ABOUT IT CARES ACT AND FOLLWOING BILLS AND ACT AGAINST MY RIGHTS

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 2021-09-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: NC

Complaint narrative:
The creditor was not able to provide any form of documentation to verify this specific account with me. I am not looking for this complaint to be changed to a request for a dispute. Ive done that already. I am looking for this information to be DELETED per the FCRA. These creditors have had 330 days ) and ( 4 dispute letters sent ) to resolve this and they have failed. Now it is time to DELETE the accounts per the FCRA. Please do not close this complaint without resolving this completely. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
I have multiple store credit cards with synchrony bank : Amazon store credit card and TJ Maxx, XXXX, home goods store credit card. 

Synchrony bank calls my house phone constantly. They also send me emails regularly, regardless of whether l made a payment. 

As I write this complaint those cards have been closed, although Ive been making timely payments every month. 

On XX/XX/2021 a payment of {$50.00} was made. On the XXXX of XXXX, upon receiving an email that the payment made a week earlier did not go through, l went ahead and made another payment of {$120.00} that same day. 

On XX/XX/XXXX I received another email from Synchrony bank, alerting me to yet another payment not received. Immediately, I picked up the phone and called Synchrony bank to ask why the payment l made on the XXXX hadnt reflected in their system. The associate said : l will attach a note to your account. But in order for me to update your account you must fax proof of payment to us. I told her I would fax that information to them on Friday, XX/XX/2021. 

But immediately after hanging up, and having sensed something unusual, l logged in to my online banking with XXXX l did a search using dollar amountand was able to find the transaction. {$120.00} was paid to Amazon store credit card. So l decided to call the bank again. And when I spoke with an associate she said : we found the transaction. But this has been happening, which has led to my card/cards issued by Synchrony bank being closed. All store credit cards l have with this bank are currently closed. 

Im submitting this complaint for myself. I feel as though Im a victim of discrimination. I need your help in filing a lawsuit against synchrony bank.

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 2021-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
These companies have posted information into a consumer report without my permission violating my right to privacy.

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 2021-09-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Applied Business Services, Inc.
State: NC

Complaint narrative:
The creditor was not able to provide any form of documentation to verify this specific account with me. I am not looking for this complaint to be changed to a request for a dispute. Ive done that already. I am looking for this information to be DELETED per the FCRA. These creditors have had 330 days ) and ( 4 dispute letters sent ) to resolve this and they have failed. Now it is time to DELETE the accounts per the FCRA. Please do not close this complaint without resolving this completely. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am part of a consumer credit transactions this wasn't disclosed. Upon discovery I realized that I was Fraudulently damaged due to Title 15 USC.

BUREAU-1692a ( 1 ), 1681A ( 1 ) -4/ ( B ) COMMUNICATION-1692A ( 2 ) CREDITOR-1692A ( 4 ) Charge off/Repo DEBT AND DEBT COLLECTOR 1692A ( 5 ) Collections/Student loans CONSUMER-1692A ( 3 ) LATE PAYMENTS-1666B ( A ) INQUIRY-1681B ( 2 ) /3A ) Credit reporting is optional, there is no law in the US which says a transaction has to be reported to a consumer reporting agency. You will be civically liable if you do not reply because congress states credit reporting is optional.

Under title 15 USC 1681n civil liability for willful non compliance -Any person that willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in the amount equal to the sum of ( A ) Any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) In the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00} whichever is greater Resolution- I want any filings removed from each of my credit reports for all three bureaus and to be compensated for each violation in addition to an apology.

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 2021-09-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: MoneyLion Inc.
State: CT

Complaint narrative:
On XXXX, XXXX, on 4 different occasions, money was debited out my account and without my acknowledgment! Totaling close to {$800.00} and I made a dispute with Moneylion and was told to fill out paper and return. While o been sending them my paper every day and they are stating they cant read it, cant open it, etc for 3 weeks now. I sent it every way possible, now Im starting to believe they took my money! 
While my claim is active, I was still having money taken from my account, even with everything being locked. This is a huge issue, on their part, because theyre featured isnt working! I just want and need my money back ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 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: NY

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Williams, Rush & Associates, LLC
State: TX

Complaint narrative:
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that WILLRUSH would verify the debt. So I took it upon myself to ask WILLRUSH for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/2021. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 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: MD

Complaint narrative:
I woke up to numerous accounts on my credit report that I have no connection to.I immediately called Transunion and was informed I had to file a FTC report. So I then filed a FTC Report ( FTC # XXXX ) and sent it to Transunion, XXXX  and XXXX  via USPS. Transunion received my complaint on XX/XX/XXXX ( tracking number # XXXX XXXX XXXX  received my complaint on XX/XX/XXXX ( tracking number # XXXX ). Ive faxed XXXX  my complaint and none of these entities has remove the fraudulent accounts. They are taking advantage of me as a consumer and dragging their feet with removing these account. 15 USC 1681c-2 states Block of information resulting from ID Theft within 4 days. It has now been 7 days and the fraudulent accounts are still on my report. My score has dropped over 100 points due to this. XXXX  has even went as far as sending me a letter stating that pursuant to FCRA 605B ( c ), which is a very disrespectful and vague response being that they're not being specific to which subsection they are choosing to deny my demand pursuant to being that there's 3 different sections listed under that law. Furthermore, by providing such a vague answer they're not affording me a chance to rebut their statement directly. 
Ive satisfied all the requirements pursuant to 15 USC 1681c-2 ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

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 2021-09-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that TRANSWORLD SYSTEMS would verify the debt. So I took it upon myself to ask TRANSWORLD SYSTEMS for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/2021. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 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: CA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Earm LLC
State: ID

Complaint narrative:
The collector has called me daily since XX/XX/21, leaving intimidating voicemails saying if I do not call them back, paperwork will be filed with the county. After not reaching me on the phone, they called my husband, who happens to be an XXXX. He attempted to verify that the debt is real. They provided bogus information, refused to provide any information regarding the particulars of the debt ( amount, date debt was occurred, etc. ), were abusive in their communication, and refused to provide contact information for him to send a letter or representation. They argued with my husband, stating he was not a real XXXX  ( he very much is ), and continue to leave harassing phone messages with me, daily. In the messages, they do not identify any information other than they are calling from " MAC, '' they do not indicate they are attempting to collect a debt or anything else that debt collectors are required to do. 

The only information they provide is the company name of " MAC '' and a number, XXXX. They call from a VOIP number XXXX. 

I believe they are using outdated information from my credit that is well past the statute of limitations and manipulating that information to harass and scam me into giving them money.

Company response to consumer: Untimely response
Consumer complaint received 2021-09-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2021 I sent a letter to the credit bureau 's to notify them that there are some inaccurate addresses on the credit bureau 's credit reports. This is well over 30 days ago and I am unsure why this fraudulent inaccurate information has not been removed from my credit report yet. This is also causing an issue because there are two companies stating that I owe money on accounts I have not opened. I sent the bureaus an identity theft affidavit, identification, and proof of address yet these inaccuracies continue to report. 

Please see the attached affidavit and letters sent to each of the credit bureau 's

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 2021-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2021 I sent a letter to the credit bureau 's to notify them that there are some inaccurate addresses on the credit bureau 's credit reports. This is well over 30 days ago and I am unsure why this fraudulent inaccurate information has not been removed from my credit report yet. This is also causing an issue because there are two companies stating that I owe money on accounts I have not opened. I sent the bureaus an identity theft affidavit, identification, and proof of address yet these inaccuracies continue to report. 

Please see the attached affidavit and letters sent to each of the credit bureau 's

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 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: FL

Complaint narrative:
On XX/XX/2021 I notified each credit bureau that I found accounts on my credit report that don't belong to me they are pretty old accounts but I am only noticing them now because I have not had any credit in the past and I would like to obtain credit now there are only two accounts reporting on my credit report and neither belong to me thats why I reached out to the bureau 's I also went to the FTC website and filled out an affidavit regarding the theft that has occurred. The bureau 's have not responded to my claim and I would like this issue to be resolved quickly. Please see attached letters sent to the credit bureau 's and a copy of the affidavit that I sent to the credit bureau 's.

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 2021-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
These companies have posted information into a consumer report without my permission violating my right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
These companies have posted information into a consumer report without my permission violating my right to privacy.

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 2021-09-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: TX

Complaint narrative:
I began contacting Home Point Financial to remove the PMI from our loan on XX/XX/2021. I received an email outlining what I needed to provide and an estimated timeline of 60 days for the process to be completed. I immediately sent the required information, receipts, pictures and money they requested for a reappraisal. They cashed my check and I waited for an appraiser to finally show up XX/XX/2021. The appraiser completed her appraisal the following week and submitted it to Home Point. I have called multiple times, sent emails, left messages and have yet to hear any kind of response on removing my PMI. I have paid XXXX and XXXX PMI which should have been removed already. I called again today and stayed on the phone for 36 minutes to be told they would escalate it and call me back. This Is absolutely unacceptable and is costing me money because they are slow to process their paperwork if they do it at all. Please help us!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Advantage Credit, Inc.
State: FL

Complaint narrative:
Advantage Credit and XXXX XXXX loans pulled my credit without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that PORTFOLIO RECOVERY would verify the debt. So I took it upon myself to ask PORTFOLIO RECOVERY for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/2021. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: BMW Financial Services NA, LLC
State: NY

Complaint narrative:
Good day Took over a lease of a XXXX XXXX to avoid fees such as deposit and taxes. I have done this several times. 

BMW after 1 month of assuming the lease. I get a bill for {$700.00} +. for TAXES which were not disclosed at the time of signing. 

After numerous correspondence and calls the company failed to rectify the issue. I set up a Arbitration Complaint #. XXXX. The Company never responded to the XXXX  to participate in the Arbitration, According to their terms and conditions prior to starting a civil action I am required to attempt to resolve any issues by Arbitration first, Company is ignoring my request., XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX. XXXX XXXX XXXX. XXXX NJ. XXXX Regards XXXX

Company response to consumer: Closed with explanation