vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: WI

Complaint narrative:
Ok on XX/XX/XXXX my phone was stolen out of my car and when I realized it was gone I had access to my old phone so something told me to immediately check my cash app so I go on my old phone check my cash app and this person who stole my phone was in it Im watching them change my information Im changing it back we going back and forth so I tried immediately contacting cash app they was not available at the time so I called my phone provider which is XXXX so by the time I get in the phone with somebody finally as soon as shes cutting my stolen phone off poof I checked my cash app account and all my money was at XXXX they attached a unknown XXXX XXXX XXXX   account to my cash app and this bank account dont even have my name on it I dont even bank with XXXX XXXX XXXX disappeared out of my account so Im telling the the whole time cash app that my phone was stolen and they hacked my cash app and took all my money out my account I tried to tell them while it was processing the time it was prosessing everything as a customer to save my money I did they did absolutely nothing at all Im talking about nothing now today its like they erased my whole cash app I cant log into it it says its unavailable I have emails everything to prove this whole thing is wrong they didnt do nothing with the proper information I provided them I called the bank because they said they was going to ask the bank to reverse so I took it upon myself to contact the bank myself cash app provided me wit a transaction summary of the transaction with the bank details I call the bank they tell me its been reversed already I contact cash app again and they just completely sent me thru XXXX and at the end did nothing about my money and left if like that to the point they took my account down now me and my family suffering from the lost of these funds

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
This year to date my bank charged me a total of {$3800.00} in overdraft fee. I called and asked if then could help me out and only got to waved. Been working thur the whole virus thing going on as a meat cutter and its busy plus even hard to find people to work. So when bus where on a limit scheduled I had to get uber at night to get home that was XXXX dallors one way.. I was now getting paid less cause just to get home at night. Then switched jobs and was making less then I was. Now in a another problem is landlord sold house and have no money to put down or go right now. Have no family to goto and going to be XXXX  by the XXXX of XXXX so I was wondering if you could help me out with BB & T Bank and see if maybe they could waive it because I have no luck with them my name is XXXX XXXX XXXX XXXX XXXX XXXX PA, XXXX and it would be a blessing if you can help me during this time thank you

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 2021-08-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I have an account on my ( 3 ) credit bureaus, the account is Bank Of America.

I contacted them a year ago and submitted a fraud claim, due to the account not being mine. I was informed to move the process along that if I paid the account off, that the account would be removed from my credit reports. 
Not just cancelled, removed permanently. 
I have spoke to several representatives and they have stated that they account should have been removed but it still is reporting inaccurate information to my credit reports. I keep getting transferred over and over again, I need this removed as soon as possible as promised.

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 2021-08-10 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: NY

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 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: Marlette Funding, LLC
State: CT

Complaint narrative:
I have recently requested that information my credit report be removed to the fact that when I settle with my closed accounts I was promised the removal of closed accounts if I settled with second party agency that house my debts This information was false or misleading and is a direct violation of the consumer law I have stated this many of times and have been ignored repeatedly I just want these closed accounts remove off my credit report immediately from all three bureaus 15 U.S. Code 1692e. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
" I have been disputing inaccurate and and unvalidated information on my credit report. I have NOT RECEIVED ANYTHING BACK FROM THE BUREAUS REGARDING MY DISPUTES. I HAVE SENT IN DISPUTES IN XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX AND XXXX AND XX/XX/XXXX. NO RESPONSE AND ACCORDING TO THE FCRA THEY HAVE TO RESPOND IN WRITING IN 30 DAYS. IF NOT THEY HAVE TO REMOVE. SO WHAT S UP WITH THEM????? NOT FOLLOWING THE LAW??????

I HAVE ATTACHED A FEW LETTERS BUT NOT ALL OF THEM. IF YOU WANT ALL LET ME KNOW

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 2021-08-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
MY CREDIT REPORT WAS RAN WITHOUT MY KNOWLEDGE OR CONSENT. I AM A VICTIM OF IDENTITY FRAUD. 

INQUIRIES : XX/XX/2021 XXXX  XXXX XX/XX/2021 XXXX XXXX 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 2021-08-10 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XXXX XXXXXXXX XXXX I received an alert that XXXX XXXX XXXXXXXX placed a credit inquiry on my XXXX  credit report. I contacted XXXX XXXX the same day I got the alert. The agent I spoke with me had no record of my credit application I contacted XXXX via phone and sent a letter challenging there findings. I received a letter back in the time allotted for the major credit bureau to responding, in which, they verified the information as correct. I sent another letter explaining that FCRA allows a consumer to have full disclosure on the information obtained from the creditor, this wasn't provided and the inquire still remains on my credit profile. 

On XX/XX/2021 I received an alert that JPMCB - CARD SERVICE placed a credit inquiry on my XXXX  credit report. I contacted JPMCB - CARD SERVICE the same day I got the alert. No resolution has been made to remove this inquire.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-10 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: MA

Complaint narrative:
Equifax continue to report and inaccurate address on my credit report. I didnt and have never reside at XXXX XXXX XXXX XXXX XXXX, XXXX Massachusetts XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
Company has violated several of my rights under FDCPA. I have tried on multiple occasions to remedy these issues with the company but they refuse to cease from reporting false information to my consumer credit file. I have included not only a dispute to cease all communication with me to this company but i have also included a invoice and stated the laws that this company has violated my rights as a consumer for far too long. My ideal solution would be for this company to pay the invoice in full for inconvenience and humiliation they have caused me and to remove all information they have reported on my credit file and from the 3 main bureaus database as well as soon as possible.

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 2021-08-10 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: LA

Complaint narrative:
" I have been disputing inaccurate and and unvalidated information on my credit report. I have NOT RECEIVED ANYTHING BACK FROM THE BUREAUS REGARDING MY DISPUTES. I HAVE SENT IN DISPUTES IN XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX AND XXXX AND XX/XX/XXXX. NO RESPONSE AND ACCORDING TO THE FCRA THEY HAVE TO RESPOND IN WRITING IN 30 DAYS. IF NOT THEY HAVE TO REMOVE. SO WHAT S UP WITH THEM????? NOT FOLLOWING THE LAW??????

I HAVE ATTACHED A FEW LETTERS BUT NOT ALL OF THEM. IF YOU WANT ALL LET ME KNOW

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 2021-08-10 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: Pioneer Capital Solutions Inc
State: GA

Complaint narrative:
Pioneer Capital Solutions is in violation of my privacy rights under HIPPA Law. 
I have continuously asked Pioneer Capital Solutions to provide me with a signed HIPPA release and they have continuously avoided my request but have sent private information about my injury and procedure. 
This account needs to be removed from my credit file 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 2021-08-10 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: NC

Complaint narrative:
I have contacted the credit bureaus several times informing them that someone is using my personal information to open credit in my name without my permission.

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 2021-08-10 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Velocity Portfolio Group
State: NC

Complaint narrative:
In accordance with 15 U.S.C 1681i, I am contesting the accuracy of the alleged late payment history. Under Section 3, I am requesting that this information be removed from my credit history. On the XXXX of XXXX, I wrote a letter to the debtor requested the reinvestigation of the validation of the negative marks that are appearing on my credit report. This alleged debtor has failed to validate the alleged misinformation and I am seeking self remedy to get this matter resolved. In accordance with 15 U.S. Code 1692d, this company is in violation of engaging in the conduct the natural consequence of which is to harass, oppress, and abuse in connection with the collection of a alleged debt. This company has repeatedly attempted to collect on an erroneous debt has has threatened, the my reputation. Under 15 U.S. Code 1681c1, this alleged debtor has continued to furnish my consumer information and use my identity without my written consent and I would like for this information to be removed from my credit report 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 2021-08-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
My stepmom was a victim of a scam where the scammer accessed her bank information through an app. Her entire phone had to be wiped out because of it. All of her capital one accounts, including one that I am a joint owner of was stolen from. Capital one fraud department was alerted right away with the details and claimed the investigation would take 10 business days and our money would be returned. Our claims were coded in corrected and denied 3x now and they continue to deny them and tell us to wait an additional 10 business days. We have a mortgage to pay and they are holding onto $ XXXX of ours. We have spoken to supervisors who claim it is taken care of and others who claim there is nothing they can do and tell us to wait more time. We need our money back to pay our mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 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: NC

Complaint narrative:
I have contacted the credit bureaus several times informing them that someone is using my personal information to open credit in my name without my permission. 
I have listed the dates and the information in the section I was told. Please delete this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
This is related to a claimed a filled before XXXX XXXX XXXX : " I got an auto loan with Ally on a XXXX XXXX XXXX on XX/XX/XXXX. I had an accident on XXXX of XXXX and the car was totaled. My car insurance most of the balance on the car and the GAP insurance paid the rest. For this, the GAP insurance requested ally the balance on the account. Ally provided a " Live Schedule '' ( see document attached XXXX on XX/XX/XXXX where it says that the balance on the account is {$2700.00}. My Gap insurance made a payment for {$2700.00} on XX/XX/XXXX. I did not hear from Ally anymore, and I assume the balance was set. A few months ago, I noticed that I still have a balance on my account for {$130.00}. I tried to contact Ally multiple times requesting an explanation for this, as the GAP insurance paid the total amount last summer. I called multiple time and spent multiple hours on the phone waiting for an explanation, but they always transferred my called to multiple department before hanging up on me. Lately, they have been calling me multiple times, even during weekends ( Mother 's day ) trying to collect the money. At this points it feels as they are harassing me because I have told them to call after XXXX ( CT ) because it will interfere with my job. Also, every time I answer, I have asked them to explain the reason on the balance and they can not provide me XXXX. I am really tired of this situation, especially when it is obvious there is a mistake on their end. The GAP insurance paid the amount requested by them so there should not be a balance. Now, if there is a balance, it means they provided the wrong information. Either way is an error by ALLY. '' Now, I filled out this claim back in XXXX, and during these days Ally kept calling event though I mentioned multiple times there was a claim with the cfpb in process. They even threatened me with reporting and they did. They added a delinquent mark in my report on XX/XX/XXXX, which they did not remove. I found out about this recently when I got an Auto loan denied because of a " past delinquent installment on my report ''. 

As you can see in the documents attached, Ally recognized the balance on the account was paid on XXXX XXXX and it closed the account on XX/XX/XXXX of XXXX, but the they never removed the mark of my report, and this had affected negatively. This has cause me a lot of trouble and unnecessary stress, especially because I spent multiple hours on the phone trying to fix this. I even warned them about the claim, but it seems they did not care and they reported me. I tried to fix this again over the phone, but the treatment was the same.

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 2021-08-10 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: NC

Complaint narrative:
I have contacted the credit bureaus several times informing them that someone is using my personal information to open credit in my name without my permission.

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 2021-08-10 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: FL

Complaint narrative:
TransUnion has consistently violated my federal rights for going on over a year now. It has gotten to the point I have had to hire a lawyer. I have tried to communicate directly with TransUnion and show them in writing where they have violated federal law and still they have refused to acknowledge these laws. The federal laws TransUnion has chosen to ignore are 15 USC 1681b as well as 15 USC 1692g. I have sent certified letters, I have sent screenshots of the laws they have violated, I have asked for proof which is required according to federal law, and they still have not complied. I advise TransUnion to cease and desist collecting and reporting the accounts until they have provided and supplied the full, thorough details surrounding their reasoning for keeping the accounts on my report against my wishes as a consumer. This is not only harming my credit report, it is also harming my chances of owning a home. TransUnion should not be allowed to get away with breaking federal law and that is why I am here in hopes that these accounts be removed from my credit report. 

Once their reinvestigation is complete, I would like for TransUnion to mail me a copy of my new and updated credit report pursuant to 15 USC Chapter 41.

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 2021-08-10 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: CCS Financial Services, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX has turn me over to Credit Collection Services after I paid them on XXXX I understand that things happen and things get missed but this a big mistake. It has been 8 months now and and they reporting this to XXXX  and XXXX  in XX/XX/2021 How? Why? it's even clear my bank on XX/XX/2021 so this bein reported 7 months later is not right or legal. I hope you can help me with and get this remove from my reports. 
I have attached a copy of my bank statement for XX/XX/2021 so you can see that it was takin out on XXXX of XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation