vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-01 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I received a copy of my credit report and noticed there was some information on my report that is inaccurate. I am in the process of buying a home and the information that is being shown is holding up the process. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, the item I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address, and telephone number updated and remove any other names, addresses, and telephone numbers that do not belong to me. The following account in dispute is listed below : Placed for collection:XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, PA XXXX Loan Type : DEBT BUYER **This company is reporting on my credit report that I reaffirmed this debt. This is incorrect and they are violating HIPPA rights with this misinformation. 
Placed for collection:XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX This company is reporting that this account is correct and is not consistently reported across the three credit reports. This debt is incorrect and needs to be removed. Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ). I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. Please Delete Telephone numbers that do not belong to me as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 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: IN

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 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: Unifin Inc.
State: TX

Complaint narrative:
A family/relative received a letter from this collection agency ( UNIFIN INC ) to their address XXXX XXXX XXXX XXXX TX XXXX. Due to my relatives name is the same as mine XXXX XXXX. They opened the letter to find out about a debt back in XX/XX/XXXX. My relative not knowing of any debt with this company then thought of reaching out to me to inquiry about this. As I tried to figure out also, I was able to access more account information via their website and by entering my SSN I found out this was my debt. When I tried to review I see this company has my current address XXXX XXXX XXXX XXXX TX XXXX. I am not sure why they have not contacted me about this. This is totally against privacy of my debt. This address I have not lived in since back in XXXX. I want this address ( XXXX XXXX XXXX XXXX TX XXXX ) removed from their system and a complain to them on why they sent a unauthorized letter to someone else other than me. 
If they need to reach out to me about this debt. Then they need to use my current address and per their system that is the only one available to reach me and discuss about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
On around XX/XX/XXXX, I attempted to book travel using the HSBC travel portal utilizing my reward points. When I tried to complete my transaction, I was told that there was an error processing the request. No points were deducted from my rewards point account, and a pending charge showed up on my card. I expected this charge to reverse since the transaction failed and I did not receive what I attempted to purchase with my points. A week later I noticed the charge posted to my account, so I filed a dispute with HSBC for the charge. 

After approximately a month of no reply or notice that anything was being done, I finally received a letter from HSBC asking for more information regarding the disputed transactions. I sent them detailed information outlining the circumstances behind the disputed transactions. After sending this back I assumed the issue was resolved since the charged dropped off of my card. However, I noticed on XX/XX/XXXX, the disputed charges reappeared on my card indicating that HSBC is somehow determining I am responsible for the charges related to a failed transaction where nothing actually resulted in being purchased. 

This seems to be boarding on fraud from HSBC bank by deceiving me into using their travel portal with my points, failing to apply the points to my purchase, failing to provide me with what I purchased through their portal, and then charging me for the purchase amount. 

To restate : I have received nothing for the purchases in question. I applied points to the purchase ( which clearly did not happen ). There is no question that these charges should be reversed and to not do so is crazy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
A family/relative received a letter from this collection agency ( XXXX XXXX ) to their address XXXX XXXX XXXX XXXX TX XXXX. Due to my relatives name is the same as mine XXXX XXXX. They opened the letter to find out about a debt back in XX/XX/XXXX. My relative not knowing of any debt with this company then thought of reaching out to me to inquiry about this. As I tried to figure out also, I was able to access more account information via their website and by entering my SSN I found out this was my debt. When I tried to review I see this company has my current address XXXX XXXX XXXX XXXX TX XXXX. I am not sure why they have not contacted me about this. This is totally against privacy of my debt. This address I have not lived in since back in XXXX. I want this address ( XXXX XXXX XXXX XXXX TX XXXX ) removed from their system and a complain to them on why they sent a unauthorized letter to someone else other than me. 
If they need to reach out to me about this debt. Then they need to use my current address and per their system that is the only one available to reach me and discuss about this.

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 2021-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: AZ

Complaint narrative:
Basically, Im dealing with a loan service company named Loancare on my current mortgage and they lack any type of support. I can not seem to login to or view my account, which I need to do because I believe they double billed me after sending a paper statement past the due date. That leads me to question their processes as I dont want it to affect my perfect credit score if they show I was late on a payment because of their internal issues. There is absolutely no phone support or email support either. Ive tried to get ahold of them many times to no avail. I believe its illegal not to provide my loan details to me easily and accurately and they seem to not been able to provide me basic banking information. There are many, many complaints about this very same thing online about them as well. I dont even know if they show me current or when my next payment is due at this point. Its not right and I feel they should be dealt with. I dont know what further steps I can take. Please help!!!

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 2021-03-01 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: IL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 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: Telerecovery Corporation
State: AL

Complaint narrative:
XXXXXXXX XXXX sold my childrens medical information to a creditor. This creditor has called and mailed me several letters threatening to damage my credit and garnish pay. 
I never signed a HIPPA release for any of my childrens information to be released from the XXXX office. 
I have also tried contacting the XXXX office to see if the insurance could be re ran.

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 2021-03-01 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been writing the credit bureaus for over a year, they have numerous addresses on my report, i did not live at, XXXX XXXX XXXX, XXXX XXXX, Ca. XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, Ca. XXXX, XXXX XXXX XXXX XXXX Ca. XXXX. I have never worked at XXXX XXXX, and I've never filed, not one, but they are reporting errantly, 2 bankruptcies. Those bankruptcies are not related to me. All these things are EXTREMELY important, i have a XXXX  job, and when i don't list theses things, especially, addresses, in my file, and the Government does there security checks, they think i'm lieing or hiding something, and i have been passed over for promotions twice, recently. I am just a simple man, but can not understand, how this these organizations, have such awesome over power, over our personal, private financial affairs. I have written them repeatedly for over a year, and i'm still writing as of today. Experian and XXXX, have inaccurate information, only XXXX is reporting me without any bankruptcies. Between this and this pandemic, the pressure is unbelieavble, can anyone please help me.

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 2021-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP
State: IA

Complaint narrative:
XXXX, XXXX I called Reliacard services to route my child support payment to another account over the phone and I was asked for my password... and I should not have a password. I have only activated a code for use of debit services. 
I went online to XXXX and found that a XXXX address XXXX XXXX XXXX was the email address attached to my child support card by its account number. 
I asked them to freeze the online account over the phone and the rep indicated that she could not help me without me giving her the password. 
I reported the fake email account to XXXX and requested they get ahold of us bank XXXX. 
I emailed XXXX about the situation and my inability to get anything done in time for anticipated ( and imparitive ) payment tomorrow morning... now I am here. 
I have had many issues but a few to make note of is that I have a XXXX XXXX account that I did not activate and my XXXX XXXX credit security indicator is under someone elses control because I did not activate that account either. 
Additionally, my XXXX XXXX XXXX was left at XXXX in XXXX XXXX, Iowa and they confirmed it months ago, saying they would put it in their safe and then it was not found when I tried to recover it. Lost about XX/XX/XXXX and I have no idea who could have gotten it, but its gone. This particular type of ID is used to assure online identification and it is in someone elses possession. 
There is something definitely wrong if all a person has to do is have the ability to apply hacking applications from online stores and they gain access to all your personal information. COVID forced everyone to pay things online and it has been financial quicksand for me. 
AND child support recovery unit or their payment portal will not insure or investigate lost transactions or funds.

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 2021-03-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
Account Resolution Services Balance {$100.00} In my transcript from the collection agency ARS, they did not include my HIPAA Disclosure. You have violated my HIPAA rights and I demand you remove this from my credit report. I will take the necessary legal actions if this is not removed immediately.

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 2021-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
Ok, Long Story short Navy Federal Credit Union was supposed to help me as I had an issue with XXXX XXXX  charging me for months after I had cancelled my membership with them. XXXX XXXX refused to help until I filed a complaint against them with the XXXX XXXX XXXX. I had to actually complain to them 3 times before they even acknowledged me and as prior mentioned refused to help me and I went to the XXXX. I mailed them a form that they sent me with the dates and billing information. To be safe I even mailed them a copy of the cancellation form showing my membership with XXXX XXXX was cancelled. I did innitially get credited the money while they investigated the issue. Since then they have taken a portion of the money back refusing to help saying that a membership agreement clearly dated 2 years before the date of membership cancellation is proof that the transactions were 'authorized ' since not only has XXXX XXXX refused to help me they have ignored my complaints about how one of their employees told me to " shut up and accept the results of the through investigation ''. Calling a membership agreement dated 2 years before the cancellation form I mailed to them to prove the transactions were Not authorized is a clear showing that they did not investigate throughly. Upon reminding them I sent them a copy of the cancellation form and that a look at the dates on the forms shows the membership agreement is dated well before they switched from saying that the reason they took the money back is now due to the transactions being older than 60 days and not that they were authorized. I had to even then fight to get a portion of that money back as they tried to take the full credit even though two of the transactions were within 60 days of the complaint they actually agreed to " investigate ''. I also know I am not the only member of this credit union to have this issue with the gym in question as a representative of Navy Federal had informed me that several members of XXXX  XXXX whom cancelled their memberships have encountered the same issue as me. I have now been forced to pay several bills late and incurred a returned check fee cause of lack of funds in my account for another bill because of XXXX XXXX choosing to side against me and call me a liar. I honestly believe they sided with XXXX XXXX out of spite because I reported them to the XXXX  for refusal to assist me in this regard. I have been put to the point where Navy Federal has me looking into legal action against them as well as XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
Between XX/XX/2020 and XX/XX/2020 I was laid off from work due to COVID I called the credit company and asked them to note I was effected by COVID and may be unable to.make.even minimum payments until I find work or go back to work. It was noted that my file was effected by a natural disaster and wouldn't effect my credit score. Now I look and I have 5 months of missed payments effect my credit score.

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 2021-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have been writing the credit bureaus for over a year, they have numerous addresses on my report, i did not live at, XXXX XXXX XXXX, XXXX XXXX, Ca. XXXX, XXXX XXXX Ct, XXXX, Ca. XXXX, XXXX XXXX XXXX XXXX Ca. XXXX. I have never worked at XXXX XXXX, and I've never filed, not one, but they are reporting errantly, 2 bankruptcies. Those bankruptcies are not related to me. All these things are EXTREMELY important, i have a Government job, and when i don't list theses things, especially, addresses, in my file, and the Government does there security checks, they think i'm lieing or hiding something, and i have been passed over for promotions twice, recently. I am just a simple man, but can not understand, how this these organizations, have such awesome over power, over our personal, private financial affairs. I have written them repeatedly for over a year, and i'm still writing as of today. XXXX  and transunion, have inaccurate information, only equifax, is reporting me without any bankruptcies. Between this and this pandemic, the pressure is unbelieavble, can anyone please help me.

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 2021-03-01 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
VANILLA VISA : I received a {$25.00} Vanilla Visa Gift Card in XX/XX/XXXX. 

On XX/XX/XXXX, I tried to use the card to shop online as follows : 1 ) XXXX : Online purchase of items up to {$25.00} + use of XXXX Gift Card. DECLINED. A subsequent purchase went through but only because I also used a separate XXXX Gift Card that had sufficient funds to purchase the entire order. The Vanilla Visa never worked, could never be applied no matter what I did. I tried 4 times. 

2 ) XXXX : Online purchase of a XXXX gift card, DECLINED. I tried XXXX 3 times. 

3 ) XXXX : Online purchase of a XXXX XXXX XXXX. CANCELLED I reviewed the Vanilla Visa website FAQs, clicked on all pages associated with my card and called XXXX. " XXXX '' answered my call and told me to choose another vender. When I explained my experiences and mentioned that I had already tried three ( 3 ) mainstream vendors, XXXX, XXXX and XXXX, " XXXX '' told me again to try another vendor and suggested I try XXXX. 

I asked if I could use the card in-person and was told I could not. I was also told I could not use Vanilla Visa to purchase gift cards and that I could never apply Vanilla Visa to orders in excess of its face value even if I paired Vanilla Visa with gift cards or other forms of payment. 

I asked for a reference number for my call to XXXX XXXX Customer Service and was told there was not one, that I should use the card number itself to reference the call ( XXXX XXXX XXXX XXXX ). I called today XX/XX/XXXX at XXXX XXXX. 

In addition to Vanilla Visa, I have had great difficulty using other Virtual Visa Gift Cards.

Company response to consumer: Closed with explanation