vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: IA

Complaint narrative:
I don't feel as if i still owe and i want this taken off credit report. This company claims that i do. I don't see how i still do considering a few facts. 
XXXX ) i can not go back to the company to make garnishment of wages. I don't know what kind of agreement that collection agency and garnishments company made but, garnishment co.says i have a {$0.00} balance XXXX ) collection agency says they can't take anything off credit report. I find that weird as they surely can put it on. I can't even go back to original debtor to settle yet, this same collection agency says, they say, i owe, and that's that. I find that hardly believable as, the original debtor said, it's out of our hands, you have to go back to debt collector company. 
XXXX ) My only idea was to go back/call to collection agency and ask when they plan on sending sheriff over to serve me court papers to appear at court, again. 
Collection agency seemingly don't or won't. Which confuses me more. 
XXXX ) i don't mean to be the small fish picking on bigger fish in the pond. But what am i supposed to do when collection agency won't take me to court and garnishment company won't without. 
XXXX ) I'm going to need a better rate on my automobile insurance and find a replacement for my XXXX XXXX 2002, rust bucket, with XXXX miles and i can not move forward without a better credit report. 
XXXX ) someone is not telling the truth or being on the level, and it isn't me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Credit Karma, LLC
State: TN

Complaint narrative:
I never tried to call and fix issue because i thought maybe it was just mistake but I never realized every time this was hurting my credit score, I also did understand why I kept getting offers stating I had outstanding chance to be approved then I'm denied and credit score goes down horribly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 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: MI

Complaint narrative:
In XX/XX/2022, I sent a letter showing identity theft/fraudulent accounts on my credit, and they failed to comply.

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 2022-09-21 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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 2022-09-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: GOLDMAN SACHS BANK USA
State: OH

Complaint narrative:
I ordered XXXX from XXXX, using their app, which is tied to my XXXX. 

My family moved in XXXX, and I updated my address in every XXXX system I could locate. 

The order went to my old address, regardless. 

I have spent days working with their customer service teams, which are " chat '' based, trying to remedy the situation by a ) correcting the address, and b ) sending me a replacement. 

The XXXX customer service representatives, which in the past have been excellent, have not remedied either situation, and seem to be leaving me at a dead end. 

I have requested escalation to a manager, multiple times, and keep getting strange chat responses, like unrelated recommendations, etc. 

I feel like I am being ignored and there is no accountability from XXXXXXXX XXXX side. 

NOTE : A transcript of the chat series is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-09-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting, everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. 

They also violated the law because according to : 15 U.S.C 1681 section 602 A States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2. 

It also states a consumer reporting agency can not furnish a account without my written instructions. 

The credit bureaus never did a proper investigation according to the FCRA. Listed accounts : The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or acquainted or who may have knowledge concerning any such items of information. 

They did not do this!! 

Also, they have violated my rights even more. 

In accordance with the Fair Credit Reporting everything has to be 100 % accurate on my credit report. The credit bureaus stated my account was properly investigated but how is that? If the open date inaccurate, the date last activity is inaccurate, amount inaccurate, and date last reported inaccurate. This is a violation and grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I closed a Money Market account ending in # XXXX on XXXX and was told it would take 15 business days to receive a check due me in the amount of {$63000.00}. 
I received a letter from Capital One dated XXXX indicating the account had been closed. See attached. 
I phoned on XXXX at XXXX as provided on the letter. I was told that it had mailed and perhaps was delayed by the US Postal Service. I was sent an affidavit to fill out to indicate that Id not yet receive my check. See attached. I was told this would take 7-10 days. I sent the affidavit on XXXX -- see attached. 
I phoned again on XXXX at XXXX, which is the main Capital One line. I spoke with supervisor, XXXX. She told me a reissue could happen 60 days from original issue. She then did not have access to further information, and I was transferred to the Escalation Team. I was asked to verify my email address and was given Escalation # XXXX. 
I got a call from XXXX at Capital One on XXXX. She told me her direct line was XXXX and given extension XXXX. XXXX indicated that a check reissue would be done on XXXX, and that I would be given a XXXX  XXXX tracking number at that time. 
I phoned XXXX at extension XXXX. Here I got an automated message saying that I needed a 7-digit extension. Note : I had gotten a 6-digit extension. 
I phoned XXXX and asked to be transferred to the Escalation Team. XXXX, a supervisor there, told me that he did not have a tracking number and it probably was sent via US Postal Service. He told me to try again tomorrow. 
The internal tracking, non-responsiveness, and lack of acceptability of anything related to this entire fiasco is laughable, except that Capital One has held my money hostage for over 90 days. 
When I inquired previously that I should be reimbursed interest on days that Capital One has held my money I was told that this couldnt be authorized. It seems they can make interest on my money, but I can not recoup any interest lost. 
I not only feel that this is probably a recurring issue and a way to hold onto money with little or no penalty. After all, much like I was told in my last call today the next escalation is the presidents office at Capital One and it can only be reached via mail. Certainly, they can say they never got the letter much like my check that Uncle Sam is blamed for losing. 
I want my money and interest lost during this time period of over 90 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Hello Digit, LLC
State: NY

Complaint narrative:
On XX/XX/2022, I supposed to receive 7checks from a saving app called Digit that I've been saving money to. I only received 4 checks, never got other 3. I emailed Digit about the checks, they said those 2 checks are already been cashed to my account. They are able to cancel 1 check from the lost 3 checks. I asked them I never received the two checks, it's not possible they are deposited to my account. The next day they changed one agent to contact with me, she said my checks are cashed at XXXX. I have to contact with XXXX. Then I called XXXX, XXXX knows nothing about this and asked me to contact with the sender. I contact with Digit again, they ask me to get an affidavit of check fraud form from XXXX and notarize it, I went to chase get the form and notarized it and sent back to Digit. Digit told me they send the form to XXXX, now I have to follow up with XXXX not them anymore. After that, no matter what question I ask them, the agent ask me to contact with XXXX. I went to police station wanted to file a report, but the police said I have to have some sort of paper work to proof my check been cashed. I asked Digit the proof of the checks been cashed before, they never gave me any. I went to XXXX again and an agent there told me there's nothing I can do, the sender has to file the claim. I told her they wouldn't do anything for me, she said it's your money, they have to give them back to you. And she told me this website and I can report them here. I can give the email content with Digit as proof if it's necessary. The one check is XXXX XXXX the other one is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Partners, LLC
State: NC

Complaint narrative:
In XXXX of 2021, I noticed that there were multiple accounts listed on my credit report from RMP Service LLC on behalf XXXX XXXX XXXX XXXX XXXX. Not recognizing these accounts and the amounts that they claimed that I owed, I immediately sent account validations letters to XXXX XXXX XXXX asking for proof as to where these accounts came from as I believe I may have been a victim of fraud or that this could have simply been a mistake on their part. After not hearing any thing from them for over 90 days, I sent validation request letter to RMP Service LLC since they were the ones that actually listed these multiple fraudulent accounts on my credit reports. I am talking 6 accounts for different frivolous amounts.

After not hearing any response from RMP, I have disputed these accounts with XXXX and XXXX. XXXX found these account to be frivolous and removed all of them except for two accounts in the amount of {$96.00} and {$110.00}. XXXX has not investigated these accounts and continues to report them months. By law I am due a simple investigation or even a proof of validation in regards to these accounts. I want these accounts removed form my credit reports ASAP since it is evident that these accounts were placed on my credit reports in either a weird way to damage my scores or by accident. Either way it should have be rectified when i alerted not 1 but 3 companies in the mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 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: Professional Finance Company, Inc.
State: CO

Complaint narrative:
On XX/XX/XXXX I sent Professional finance a letter to validate 2 accounts they placed on my credit file. on XX/XX/XXXX Professional finance proceeded to send me a simple printout. The FTC has noted that providing a copy of a printout, bill, or alleged account documents does not constitute validation. They also did NOT provide me with a signed authorization to release my medical records. They have now violated HIPAA and FDCPA and FCRA laws. 
On XXXX I sent a failure to validate and hipaa violation letter and to cease and desist all collections. They have not responded nor have they removed this account from my reports. 
Ive included all correspondence as well as a copy of my credit reports

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name XXXX XXXX Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2022-09-21 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name XXXX XXXX Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2022-09-21 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: Experian Information Solutions Inc.
State: MT

Complaint narrative:
I disputed this with Experian and Uploaded the paid-off in Full Document. This account is no longer in collections. I would like it removed from my credit report as it is settled. XXXX XXXX was paid XXXX 2022 for the full amount. Also please remove the IN COLLECTIONS status for the month of XXXX as it was not.

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 2022-09-21 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: IN

Complaint narrative:
Someone is using my information to open fraudulent accounts which I do not understand how people can open any accounts in my name because i was not aware or present. Please see below XXXX XXXX XXXX - XXXX Inquiry XXXX XXXX - XX/XX/2021

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 2022-09-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America allowed a scammer to take my unemployment benefits of over {$13000.00} dollars in 2020 in two separate ATM withdrawals. I have filed a police report, proven it was not me that did these transactions and filed several claims with them only to be denied over 5 times with them saying that they made the correct decision in denying the claim. I am in dire need of these benefits to get back on my feet as I have lost everything due to this error.

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 2022-09-21 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: DISCOVER BANK
State: MN

Complaint narrative:
The case against Discover Discover Card XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX In short, I have paid for an annual cell phone plan with a merchant, XXXX XXXX  XXXX by using a Discover Card on XX/XX/2022. After the SIM card kit from the merchant has arrived, I was unable to activate new line or port my number for weeks from the previous carrier to XXXX XXXXBy XX/XX/2022 issues were still unresolved and I have finally notified the merchant about me moving on and have asked the merchant for a refund. They did not refuse to issue the refund it but they never issued one either. At that point, Discover Card was contacted and end result was their denial to issue a refund to me by confirming in mail how merchant does not issue refunds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting, everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. 

They also violated the law because according to : 15 U.S.C 1681 section 602 A States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2.

It also states a consumer reporting agency can not furnish a account without my written instructions. 

The credit bureaus never did a proper investigation according to the FCRA. Listed accounts : The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or acquainted or who may have knowledge concerning any such items of information. 

They did not do this!! 

Also, they have violated my rights even more. 

In accordance with the Fair Credit Reporting everything has to be 100 % accurate on my credit report. The credit bureaus stated my account was properly investigated but how is that? If the open date inaccurate, the date last activity is inaccurate, amount inaccurate, and date last reported inaccurate. This is a violation and grounds for immediate removal.

Company response to consumer: Closed with explanation