vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
my wallet was stolen a few years ago out of my purse while i was traveling, since then my identity had been compromised and accounts and inquiries have been done in my name this is a identity theft dispute. ive tried reaching out to the company couldnt get the proper assistance ive even sent my supporting documents to the bureau and im not getting any response.

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 2021-07-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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: Atlanticus Services Corporation
State: SC

Complaint narrative:
This account was opened XX/XX/2016 in the amount of {$3600.00} that I have absolutely no knowledge of and NEVER received a credit card or limit or mail for this account. And it has been closed out.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
I was in forbearance because of COVID-19, on a property I own using BB & T now Truist bank as my mortgage holder. I made partial payments during the entire forbearance time. My forbearance was ending XXXX, 2021. BB & T would not allow me to make payments online as I always did, during the time of forebearance. Rather, I had to phone my payments in every month. My first full payment was not allowed to be paid over the phone, so I made my XXXX, 2021 payment in full at the local BB & T bank located at XXXX XXXX XXXX XXXX, XXXX, SC XXXX. My XX/XX/2021 was made in full also. 

I received a Possible Spam phone call and message from BB & T now Truist this morning from their collection department! I listened to the recording and immediately called back. XXXX from Collections told me I had been turned over to collections and the payments I had made for XXXX and XXXX went to paying off the balloon payment! I have a FICO score of XXXX and can assure you, I dont miss payments. I spent hours last month getting this same issue rectified over 13 different phone calls and numerous talks with managers. But, again I am being told wrong information which will effect my credit score. I requested to speak with a Loss Mitigation manager, but she stated there were none available. She would try and transfer me ... she dropped the call. I then called back and spoke with XXXX XXXX in loss mitigation. She stated my account was not in collections, but still in forbearance!!! I requested to speak with her supervisor, none were available to speak with me again. She gave me her supervisors name, XXXX, and phone XXXX. I called her answering machine and to expect to wait 24-48 hours for a call back. This type of stalling behavior is unacceptable and if it isnt already, be punishable by law. I am very concerned this abusive payment reporting/recording by BB & T now Truist, will result in my property being foreclosed for nonpayment because the bank is not accurately making my payments to the regular monthly payments, but instead the balloon portion, which is not due until the end of the loan or sale of property.

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 2021-07-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: OPORTUN FINANCIAL CORPORATION
State: TX

Complaint narrative:
I paid off my Oportun XXXX XX/XX/2021. I called Oportun ( which is a pain because they are pretty much in another country ), and I had been doubling up on my payments, and they never sent me any paid off statements - they never sent me another statement since I filed my last complaint about them, and they MADE ME PAY ALL OF THE INTEREST EVEN THOUGH IT HAD NOT ACCRUED BECAUSE I HAD PAID IT OFF EARLY. 

And I made FOUR - DOUBLE PAYMENTS ( OF $ XXXX INSTEAD OF {$90.00} ). 

THIS COMPANY SHOULD OWE ME SOME MONEY PLUS AN ITEMIZED STATEMENT FOR THE ENTIRE LOAN. I WILL NEVER BORROW FROM THEM EVER AGAIN.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect
State: FL

Complaint narrative:
I am not liable for this debt with XXXX XXXX XXXX and I do not have a contract with AMERICOLLECT plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$1100.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Credit Management, Inc
State: AR

Complaint narrative:
After reviewing by a copy of my credit report and I realize that as a consumer Professional Credit XXXX is violating my rights. They are defaming my character and harassing me according to 15 USC 1692d. They are harming my life and my future. As a consumer I have every right to make sure that my rights are not violate, but yet they are being violated. They are saying that I owe this alleged debt which this debt is not mines. This is abusive practices 15 USC 1692a.You can have access to this alleged debt but you should not have my Personal Information. You have violate other rights which each violation is {$1000.00} per occurrence. have attached my ID to help identify me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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: WY

Complaint narrative:
XXXX  XXXX I have paid this account off and it was never late or missed a payment ; I called XXXX and they sent me a letter stating that I never missed a payment and was never late, XXXX  and Transunion are reporting fraudulently that a missed/late payment happen XXXX of XXXX I have sent XXXX  and Transunion this letter and this fraudulently information still is reporting on my credit report. Please have them remove this account all together or correct this account to correct statues.

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 2021-07-06 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: WY

Complaint narrative:
XXXX  XXXX I have paid this account off and it was never late or missed a payment ; I called XXXX  and they sent me a letter stating that I never missed a payment and was never late, Equifax and XXXX are reporting fraudulently that a missed/late payment happen XXXX of 2020. I have sent Equifax and XXXX this letter and this fraudulently information still is reporting on my credit report. Please have them remove this account all together or correct this account to correct statues.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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: KY

Complaint narrative:
I have contacted the major credit reporting agencies multiple times regarding fraudulent and inaccurate information listed on my credit report. The inaccuracies remain on my report even after I have supplied proof that the items do not belong to 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 2021-07-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Mar Joe Enterprises
State: MS

Complaint narrative:
After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in 2019. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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: GA

Complaint narrative:
On XX/XX/2021 I discovered ( XXXX  RETAIL ... ACCOUNT # XXXX AND XXXX XXXX XXXX ... ACCOUNT # XXXX ) had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item 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 2021-07-06 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: GA

Complaint narrative:
On XX/XX/2021 I discovered ( XXXX XXXX ... ACCOUNT # XXXX AND XXXX XXXX XXXX ... ACCOUNT # XXXX ) had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Im having difficulties disputing with Equifax. I get the following screen ( see attached ). This has been a problem for 3 years and no one knows how to fix the issue. Yet continues to post false information on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I had an account with Wells Fargo back in XXXX. It went to collections and I paid them off in XXXX for $ XXXX. Now I am getting calls from XXXX ( XXXX XXXX XXXX stating I owe them over {$3000.00}. They are also calling my mom, brother and husband. I searched the number and it is pulling up scam and fraud. They told me they never received my payment and they have sent me two letters about this. I have never received those letters where I reside now. They are stating I am going to have to go to court to dispute this info. They also asked me to call them back at 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 2021-07-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lending Club Corp
State: NY

Complaint narrative:
I am a victim of identity theft. The companies XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, LENDING CLUB CORPORATE, all claim to have miss placed or have not received my FTC report after being sent though fax and mail several times. The accounts are still on my report and affecting my progress of purchasing a home for my family. I am XXXX  and XXXX  by the lack of empathy with each representative I have spoken to. They either transfer me five or six times, give me other numbers to call and act as if they are not able to assist even when the fraud department handle fraud claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Chime Financial Inc
State: OH

Complaint narrative:
Fraudulent mail received XXXX XX/XX/2021 through USPS. Mailing had a Chime VISA Debit card enclosed activate your card in the Chime app. Letter inside claimed Set up Direct Deposit with Chime & get paid up to 2 days early. Sign and deliver this form to your employer or payroll provider, and watch the magic happen. 
But there wont be any magic. I did not activate the debit card. The only magic this bank will see is a consumer complaint for fraud. XXXX XXXX, XXXX legal editor and Attorney, writes in her article What Should I do if I Get a Credit Card That I Didnt Request in the Mail? : Under Regulation Z, which implements the Truth in Lending Act, it's illegal for a credit card company, store, or other entity to send you a credit card you didn't request. ( 12 C.F.R. 226.12 ). 
The bank even sent a text message regarding the mailing on XXXX XX/XX/2021 via number XXXX. Hi, XXXX. Chime here. Youve got mail! Your Chime Visa Debit Card was delivered in a bright green envelope. Text STOP to unsubscribe. 
I never requested a credit card with this bank. I never ever contacted this bank. I never opened an account with them. What the bank will need to address is how they got my personal information. All illegal. All fraudulent. All unsolicited. This is financial fraud against seniors.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: eToro USA LLC
State: MO

Complaint narrative:
I signed up for an offer through XXXX to start an account with eToro, deposit XXXX, and receive XXXX XXXX. I have fulfilled the terms of the agreement with a deposit of XXXX ( 2, now, actually ) and have not been credited my bonus. Additionally, customer service has not gotten back in touch with me despite contacting them more than a week ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 60 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

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 2021-07-06 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 60 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with non-monetary relief