vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: KS

Complaint narrative:
I've had people use my information to get a loan through Sally Mae which is now Navient since the government took over. This is XXXX and I've been trying to get this taken care of since XXXX with no luck. I've tied talking with Navient. I've done everything that they've asked me to. Each time that someone agrees to help me, the calls and letters stop for 1 1/2 to 2 years. Then they start back up again with someone else to talk to me who says that they have no knowledge of my previous conversations with someone else. I've talked to their fraud department. I've filed a report with my local law enforcement. like they asked me too. I've filled out their form that they sent me. That was mysteriously " lost '' with no record of it in their computer. They agreed to send me out another one to fill out and that never even arrived. Now I'm dealing with phone calls and letters again. In XXXX, they were sending me letters threatening to take me to court for defaulting on my loan which was done entirely online without me signing anything. I'm done trying to deal with them. I'm not going to talk to them on the phone. They'll have to take me to court to try to prove that I actually owe them money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I have a cashapp account and collected hundreds of dollars between a private transaction. I have not been able to access the account due to a change of personal contact information. When you attempt to call. They redirect you to app.support. when you attempt to seek help on the app, they redirect you to phone. It's a perpetual state of a runaround. I need access to my funds and can not due to a simple change in a phone number. I have attempted to contact them and only receive a voice mail and magically no call. And it appears these are deceptive practices with no way to reset passwords or account information. I have been unable to communicate with anyone at cashapp. And further I have not received any funds. This is theft, consumer negligence and poor practices that must be regulated further.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
Currently, I use bill pay with pnc banking, however I questioned there accuracy with my account. A couple of months ago, I noticed that my account was charged twice and the bank refunded the account after a few complaints. On XX/XX/2021 I scheduled a bill to paid out on XX/XX/2021, however the bank forward the check earlier than instructed. Next, I noticed that the payment was mailed on XXXX and was paid on XXXX, however the bank is stating the the payment was never paid out on this date. Meanwhile, I have documentation that the money was already set aside and removed from my account with a confirmation number. The bank still denies my statements telling me I am confused. 

On XX/XX/2021 another payment for the bill was posted as pending ( second time ). However when I checked my bill pay activity nothing was pending and the payment was marked as paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GLA Collection Company, Inc.
State: KY

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX This company I have spoken too repeatedly about this bill explaining that my employer- XXXX  XXXX  of XXXX  Workmans Comp division is who the payment party should have been as I was hurt on the job at XXXX XXXXXXXX XXXX XXXX  while in XXXX XXXX employ. This was over 2.5 years ago. 

They referred the bill to GLA COLLECT of XXXX  # XXXX phone XXXX. My credit has been harmed over bill I did not owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Each year, I request my free credit report from each of the three Credit Bureaus. I do this on-line. XXXX XXXX and XXXX are very responsive. However, EVERY year Equifax takes all of my information and then says that they can't verify my identity and force me to submit a written request with LOTS of backup documentation. I have even established an account with Equifax which I managed to use a couple of times to create a " freeze ''. Now, I can no longer log in to that account to try to get my free Credit Report. They even advertise that they will automatically send a free credit report annually to account holders. They don't. 
I have told their customer service of these issues and I get no help. 
My most recent try was XX/XX/XXXX. 
The last time that I successfully got a credit report from Equifax was XXXX. 
They need to clean up their on-line responsiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
Affirm XXXX Inc. has contacted several times via email using profane and obscene language to collect debts for three accounts. In their emails they have included I missed a payment, failure to make the payment may affect my eligibility to use Affirm in the future, and they were going to contact a third party collection agency to obtain the payment. I have emails from XX/XX/XXXX in the amount of {$17.00}, XX/XX/XXXX in the amount of {$34.00}, XX/XX/XXXX in the amount of {$34.00}, XX/XX/XXXX in the amount of {$45.00}, XX/XX/XXXX in the amount of {$45.00}, XX/XX/XXXX in the amount of {$45.00}, XX/XX/XXXX in the amount of {$45.00}, XX/XX/XXXX in the amount of {$130.00}, XX/XX/XXXX in the amount of {$45.00}, XX/XX/XXXX in the amount of {$45.00}, XX/XX/XXXX in the amount of {$45.00}, and XX/XX/XXXX in the amount of {$45.00}. 

I did follow up with the company XX/XX/XXXX and they report back the debt was verified. I responded back in XX/XX/XXXX and asked who did they speak with to verify the debt because I know by law they can only speak to me and Im the only one who can verify a debt and they responded again without specifics and said the debt is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: IL

Complaint narrative:
Sending this complaint because Chime closed my account with my remaining balance. I'm requesting assistance to receive my balance that was due to me upon the closing of my account. I have not been able to verbally speak to anyone in reference to this matter. I am aware of an account closure but they need to send my funds in the form of a check. Please help me wit this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 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: TN

Complaint narrative:
Account Name : XXXX XXXX Account Number : XXXX Balance : {$480.00} Account Name : XXXX  XXXX  Account Number : XXXX and XXXX Balance : {$160.00} and {$1100.00} Account Name : XXXX  XXXX Account Number : XXXX Balance : {$120.00} Account Name : XXXX  Account Number : XXXX Balance : {$3400.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$550.00} I would like to file a complaint against all three credit bureaus - Equifax, XXXX, and XXXX. I have disputed these five collection accounts since XX/XX/2021 and now that I'm on my fourth letter with the credit bureaus, I am still not getting a resolution from them and the information they are reporting on each item is still inconsistent. 

For one, I have disputed XXXX XXXX XXXX with the credit bureaus and with the collector directly, the first dispute letter I sent to the bureaus was on XX/XX/2021, while it was XX/XX/2021 with the collector. Until now I am still not getting a response from both parties and it is quite frustrating that I have to wait for months and not get any resolution.. I shouldn't have to wait this long to get this resolved. I am trying to get approved for a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
I made multiple reports and also phone recordings letting this company know to stop contacting me also followed up with a cease and desist letter they still continued to contact me through email and mail services and are basically not complying with my legal demand. Neither did they remove this negativity report from my credit file

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 2021-10-30 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: Santander Consumer USA Holdings Inc.
State: WI

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: American Coradius International LLC
State: TX

Complaint narrative:
Today, XX/XX/2021, I received a debt collection letter from American Coradius International LLC. They say tgat XXXX XXXX sent my account to collections and I owed {$860.00}. I was supposed to contact them within 30 days. Also, that XXXX was willing to accept partial payment of {$650.00}, paid to XXXX. Once this is paid, if I wanted to use XXXX again, I would have to pay the remaining balance. A few years back I used XXXX to make a purchase, but because I never used it I recently closed the account. I did not owe money because the XXXX account was attached to my bank account. I looked up this company 's address and it comes up as XXXX, NY, not XXXX as on the letter and it is a small little office. There are a ton of reviews attached to the XXXX search warning people not to pay, it was a scam. It is the weekend so I have not been able to call yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 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: CT

Complaint narrative:
Hi im filing this complaint because I have a bunch of inaccurate accounts on my credit report that I have tried to get all 3 bureaus ( transunion, XXXX and XXXX ) to remove according to The FCRA, FTC and FACTA but to no avail. I first sent out a dispute on XX/XX/2021 and have been sending letters every 30 days until now but they have yet to to what is mandated of them by law. These accounts are causing injury to me and my family and they need to be removed. I've tracked all correspondence with each bureau and I am also sending the letters on this complaint so that none can say that they dont know what I'm talking about. Each bureau is In Violation Now for either a Reaged account, activity after the account was closed, no Notice of dispute or just plain out refraining to fix and remove each account reporting false data. 
I need someone to please help me get these folk to delete these accounts that are obviously reporting inaccurately. 

P.s Ive attached some of the letters to each bureau so that the gross negligence of these companies/ bureaus may be seen.

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 2021-10-30 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Dear Sir or Madam : PLEASE ADD MY # Telephone : ( XXXX ) XXXX TO MY CREDIT FILE THANKS!!! 

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX  XXXX XXXX, GA XXXX 2. XXXX Account Number : XXXX Please remove it from my credit report. 

3. XXXX Account Number : XXXX Please remove it from my credit report. 

4. XXXX Account Number : XXXX Please remove it from my credit report. 

5. XXXX Account Number : XXXX Please remove it from my credit report. 

6. XXXX Account Number : XXXX Please remove it from my credit report. 

7. XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

8. XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

9. XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

10. XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

11. XXXX XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report. 

12. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX  XXXX, GA XXXX 13. The following personal information is incorrect Account Number : CURRENT ADDRESS : XX/XX/XXXX 14. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX  15. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX 16. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX 17. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX  XXXX, GA XXXX 18. XXXX XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BC SERVICES, INC.
State: CO

Complaint narrative:
Upon requesting debt validation for two different accounts BC Service has reported through XXXX, they responded with detailed medical records without providing release forms, a DIRECT violation of HIPPA regulations. Not only did these documents contain procedures and/or medication recieved it also contained my social security number with NO security measures. I NEVER signs a HIPPA forms authorizing access to any such medical records.

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 2021-10-30 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: Carter-Young, Inc.
State: GA

Complaint narrative:
Dear Sir or Madam : PLEASE ADD MY # Telephone : ( XXXX ) XXXX TO MY CREDIT FILE THANKS!!! 

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX  XXXX  XXXX, GA XXXX-XXXX  2. XXXX/XXXX  Account Number : XXXX Please remove it from my credit report.

3. XXXX  Account Number : XXXX  Please remove it from my credit report.

4. XXXX  Account Number : XXXX  Please remove it from my credit report.

5. XXXX/XXXX  Account Number : XXXX  Please remove it from my credit report.

6. XXXX/XXXX  Account Number : XXXX  Please remove it from my credit report.

7. XXXX  XXXX Account Number : XXXX  Please remove it from my credit report.

8. XXXX  RC Account Number : XXXX Please remove it from my credit report.

9. CARTER-YOUNG INC Account Number : XXXX  Please remove it from my credit report.

10. CARTER-YOUNG INC Account Number : XXXX Please remove it from my credit report.

11. CARTER-YOUNG INC Account Number : XXXX  Please remove this inaccurate information from my credit report.

12. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX  XXXX XXXX, GA XXXX-XXXX  13. The following personal information is incorrect Account Number : CURRENT ADDRESS :XX/XX/XXXX 14. The following personal information is incorrect Account Number : EMPLOYER : XXXX  XXXX XXXX  15. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX 16. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX 17. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX  XXXX  XXXX, GA XXXX-XXXX  18. XXXX/XXXX  XXXX  Account Number : XXXX  Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Dear Sir or Madam : PLEASE ADD MY # Telephone : ( XXXX ) XXXX TO MY CREDIT FILE THANKS!!! 

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX  XXXX  XXXX, GA XXXX-XXXX  2. XXXX/XXXX  Account Number : XXXX Please remove it from my credit report.

3. XXXX  Account Number : XXXX  Please remove it from my credit report.

4. XXXX  Account Number : XXXX Please remove it from my credit report.

5. XXXX/XXXX  Account Number : XXXX  Please remove it from my credit report.

6. XXXX/XXXX  Account Number : XXXX Please remove it from my credit report.

7. XXXX  XXXX  Account Number : XXXX Please remove it from my credit report.

8. PORTFOLIO RC Account Number : XXXX Please remove it from my credit report.

9. XXXX-XXXX XXXX  Account Number : XXXX  Please remove it from my credit report.

10. XXXX-XXXX XXXX Account Number : XXXX Please remove it from my credit report.

11. XXXX-XXXX XXXX  Account Number : XXXX  Please remove this inaccurate information from my credit report.

12. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX  XXXX  XXXX, GA XXXX-XXXX 13. The following personal information is incorrect Account Number : CURRENT ADDRESS :XX/XX/XXXX 14. The following personal information is incorrect Account Number : EMPLOYER : XXXX  XXXX  XXXX  15. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX 16. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX 17. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX  XXXX  XXXX, GA XXXX-XXXX 18. XXXX/XXXX  XXXX  Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: IL

Complaint narrative:
Chime closed my bank account and I had money in the account. I tried calling customer service and could not speak to a live representative. I was instructed to email to get assistance. I would like Chime to send my money that's due to me as soon as possible. They can mail a check with my remaining balance. Thanks you for your help.

Company response to consumer: Closed with explanation