vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC
State: MD

Complaint narrative:
I received mail regarding two separate debts I owe to Phoenix Financial Services. I mailed a letter to the company requesting validation of the debts beginning in XX/XX/2021. I received a letter in the mail from the company after at least two letters they have received from me requesting debt validation. The letter contained vague information with only my name and the current creditor of the debts I supposedly owe, which was another debt collection company as well as the original creditor, a company I do not recognize. The packet of information did not include the items that I requested. Some of the information was incorrect, I did not recognize some dates of service listed or physician names, and I could not validate that I owe this debt to the company. After receiving this letter I sent another letter explaining I was not able to validate the debt and they did not send the information I requested. I then received a letter from the company that one of the two debts they claim I owe was removed. I sent another letter asking the company to either validate or remove the other debt as well. I then received a letter from Phoenix explaining that I have made no new requests and that the dispute will not be investigated. After receiving this letter I sent a final letter saying they have made a mistake and that I never received validation for this debt and again to validate or remove the second debt. I have not received a response from the company nor has the debt been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 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 — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My credit profile seems to not exist even though I had an open XXXX Department of Education loan in good standing with XXXX XXXX since XX/XX/XXXX and other loans since XXXX. So why do I not have any credit profile with my name XXXX XXXX XXXX on any of the credit bureaus? Why are they denying me my opportunity to obtain credit? This is a clear violation of the equal protection clause, the Fair Credit Act, Consumer Protection Act, American with Disabilitirs Act, and countless other federal and state statues. You can't just delete a profile and not report an account like a student account from the federal government that is in good standing, but if it were in default you would report it in a heartbeat. I demand an investigation and a statement on my credit profile when you are mandated to publish it stating what you have done so that crodiy.compamies know that the credit bureaus are disgusting and a new bureau should be established ( the 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 non-monetary relief
Consumer complaint received 2022-01-14 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 — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My credit profile seems to not exist even though I had an open XXXX Department of Education loan in good standing with XXXX XXXX since XX/XX/XXXX and other loans since XXXX. So why do I not have any credit profile with my name XXXX XXXX XXXX on any of the credit bureaus? Why are they denying me my opportunity to obtain credit? This is a clear violation of the equal protection clause, the Fair Credit Act, Consumer Protection Act, American with Disabilitirs Act, and countless other federal and state statues. You can't just delete a profile and not report an account like a student account from the federal government that is in good standing, but if it were in default you would report it in a heartbeat. I demand an investigation and a statement on my credit profile when you are mandated to publish it stating what you have done so that crodiy.compamies know that the credit bureaus are disgusting and a new bureau should be established ( the 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 non-monetary relief
Consumer complaint received 2022-01-14 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I was taken advantage of due to your company Breaking laws under the FCRA. I cant Obtain credit or a job

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 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: MN

Complaint narrative:
I have made six attempts to resolve the two unauthorized charges on my account. 1 ) XXXX and 2 ) XXXX XXXX. I have called Bank of America customer service via their general information line. When I called I was put on hold for more then an hour. After spending over an hour with a virtual assistant at a branch who transferred d me to claims. At which point never reach a representative in the claims department. The issue has never been resolved. I request new accounts and cards. Which Bank of America then granted access to XXXX and XXXX. 

I called XXXX 's in the ( Alabama Call Center ) - Rep XXXX Case # XXXX and she refused to escalate the matter to a supervisor. She began yelling and screaming like an apoplectic child. She keep me on hold for thirty minutes. Then a individual claiming to be a supervisor XXXX ( Alabama Call Center ) - Rep ID ( XXXX ) Case ID- XXXX. She refused to identify herself, then hung up. I was able to reach XXXX who identified these two individuals. They then lied about being involved in the interactions to avoid accountability for their actions. Later admitting to their violations of Consumer Protection Laws and BOA policies.

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 monetary relief
Consumer complaint received 2022-01-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This debt should be clearXXXX XXXX is under investigation fraud.

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 2022-01-14 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : MXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NH

Complaint narrative:
I have been dealing with Navient since they took over from Sallie Mae. At one point when we were struggling financially after my husband lost his job, I asked for help and Navient never let me know of any income based repayment plans, I was only steered towards forbearance and, during this time of forbearance, they charged two late fees even though I wasnt supposed to be making payments. When I would ask about the Public Service Loan Forgiveness program, I was misguided and even just recently I asked about this and was told I could just try for Economic Hardship. I have now completed an application for Direct Loan Consolidation after learning that my loans never actually qualified for the PSLF, after all this time, and I have spent YEARS working in a qualified public service job. Needless to say, since Navient took over from Sallie Mae, this has been a nightmare and Ive been paying on my loans FOR YEARS and I owe more on them now then I did years ago. To top it all off, now Ive learned that a settlement has been reached with Navient however only 39 states will be involved in this, despite the remainder of us in the other states who have been taken advantage of all this time!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 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: FL

Complaint narrative:
Attempted numerous times to have fraudulent information deleted due to identity theft as well as inquiry 's, charge off accounts that is not mine. I've also repeatedly asked to exhaustion that my correct and updated credit report information and scores reflect each of the accredited credit bureaus. Unfortunately, they ( XXXX, Equifax and XXXX ) are still not communicating with one another to mitigate my reports in a cohesively manner. Also, their credit scoring system 's is suspicious, they all have a different scoring system that is very suspect to me. some uses advantage XXXX & XXXX and now XXXX is in effect. This system acts like the XXXX and if they can't get it together the courts will .... I had enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 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: FL

Complaint narrative:
Attempted numerous times to have fraudulent information deleted due to identity theft as well as inquiry 's, charge off accounts that is not mine. I've also repeatedly asked to exhaustion that my correct and updated credit report information and scores reflect each of the accredited credit bureaus. Unfortunately, they ( XXXX, XXXX and Experian ) are still not communicating with one another to mitigate my reports in a cohesively manner. Also, their credit scoring system 's is suspicious, they all have a different scoring system that is very suspect to me. some uses advantage 3 & 8 and now 9 is in effect. This system acts like the mob and if they can't get it together the courts will .... I had enough.

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 2022-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc.
State: NJ

Complaint narrative:
On XX/XX/2021 I sent from my digital wallet a cryptocurrency named compound ether to my coinbase exchange wallet in the amount of XXXX XXXX ( valued over XXXX usd at the time ) so I could withdrawl. I waited over an hour and it never showed up in my coinbase exchange wallet. That same day I emailed coinbase and explained my problem and email after email all the responses were That cryptocurrency is not supported on coinbase and that my tokens are lost and they kept referring me to the user agreement with language basically saying its my fault. But the transaction went through and it is on the digital ledger and they wont help me and they will not return the currency from its origin. Its not right that a transaction can go through without warnings saying your tokens maybe lost and coinbase refuses to help or send back the coin that is basically stuck in limbo on thier servers. Please help, Ive been on many XXXX pages with numerous customers that endured the same hardship that I am currently going through.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Data Systems, Inc.
State: NC

Complaint narrative:
I had a {$300.00} bill with XXXX XXXX on XXXX which I paid ( receipt attached ). Medical Data Systems has put a collection on all 3 of my credit reports. I've sent Medical Date Systems and all 3 credit bureaus a copy of my paid receipt and they would not delete the collection from my credit reports.

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 2022-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
On XX/XX/2022 I applied for an mortgage loan with a major bank. I authorized to pulled my credit reports. The bank told me that my mortgages aren't on my credit reports. I have my current credit reports. I explained I had these mortgages for years. On XX/XX/2022 I contacted my two mortgage companies by fax : XXXX XXXX XXXX, XXXX advising monthly amounts {$1700.00} not being reported and 2.Shellpoint Mortgage amounts {$1500.00} not being reported. I have the letters that was faxed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 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: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
For the past 18 months I've tried to resolve an inaccuracy issue that was reported to all 3 credit bureaus. I have reached out to XXXX, XXXX XXXX, and XXXX regarding this matter ( disputes were also filed online ). I made a credit card payment for XXXX dollars in XXXX of XXXX to Regions Bank. 
I was kicked out of the system due to the website 's nightly maintenance. The issue resulted in me receiving a derogatory remark ( 30-day late payment ). I've spoken with 2 supervisors and several customer service reps in Regions credit card department on several different occasions regarding the issue. Regions advised that letters were sent to all 3 bureaus to have the discrepancies removed. 
After speaking with XXXX XXXX on XX/XX/XXXX I was told to request the letter be sent directly to me, I was instructed to upload the letter in the dispute portal online. 

I called Regions on XX/XX/XXXX. I was told by the credit department that the system wouldn't allow them to send the letter directly to me. The representative tried to locate numbers to speak with the agencies directly. Unfortunately, he was unsuccessful. After speaking with his supervisor, he was instructed to send yet another letter ( the 4th attempt sent ) to resolve the issues. I'm not sure why the letters aren't arriving to the proper departments but, at this point the inaccurate reporting is affecting my ability to secure my mortage loan. I can't be approved by my lender with any late payments under 2 years old.

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 2022-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISSIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS 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 non-monetary relief
Consumer complaint received 2022-01-14 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: ACIMA CREDIT, LLC
State: NC

Complaint narrative:
XX/XX/XXXX I paid an settlement offer to ACIMA ; this offer was given to me as an option to stop collection and reporting would be closed and ONLY be reported as paid settlement. 

In the month of XXXX I noticed the account stated that the account was closed on the month of XXXX and XXXX was reporting as N -negative. ( Attached ) I filed a dispute to correct this issue and within 30 days these months where updated. However, the updates where changed to on time for XXXX, closed for XXXX. 

Only days later I notice a XXXX point drop on my XXXX credit report. ACIMA credit reported N for the month of XXXX so I again had to dispute this issue. This dispute was updated on XX/XX/XXXX. However, the same issue has taken place. XXXX of XXXX is showing a negative reporting. 

As of today XX/XX/XXXX ( image attached ) this issue is still ongoing. I have reached out to XXXX just as I have each time this has happened to file a dispute. However the representative informed me that each time i complete a dispute it refreshes the paid debt and that I should reach out to the creditor. I informed the agent that I had tried to contact them through the email that they would previous send account information to me from. In response I was informed that account information could not be discussed through email and a number was provided. 

XX/XX/XXXX I called the number ( recorded conversation ) In speaking with the customer service agent and then a supervisor. I was informed that their credit reporting department does not speak to customers and nor does their legal department. They also told me to keep disputing it. I explained that this situation is causing a rollercoaster affect with my credit score and it needed to be resolved. The supervisor explained that all she could do is send an email asking for them to update the reporting and informed me to dispute it again. Im truly lost on what to do. Its clear that this is being done on purpose. The supervisor first told me she saw the dispute results and called out each day 1 disputed the account activity and then later in the conversation said she could not see everything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paypal Holdings, Inc
State: IA

Complaint narrative:
On XX/XX/2022, at XXXX PM I received a text with a security code. I did not request this security code and it expired in 10 minutes. 

On XX/XX/2022, I received the following email : XXXX XXXX - Your XXXX account statement is available. 
View Online PayPal Your XXXX account statement is available. 
Hi XXXX XXXX, Access your account statements quickly and easily. Log in to your account and select the monthly statement you'd like to view. 

View Statement Forgot your email or password? Recover them here Explore the new PayPal App Learn more XXXX XXXX XXXX Download on the XXXX XXXX Get it on XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the XXXXXXXX XXXX XXXXXXXX are trademarks of XXXX XXXX XXXX 
XXXX and the XXXX logo are trademarks of XXXX XXXX, registered in the U.S. and other countries. XXXX XXXX is a service mark of XXXX XXXX, registered in the U.S. and other countries. 
Please do not reply to this email. We are unable to respond to inquiries sent to this address. For immediate answers to your questions, visit our Help Center by clicking " Help '' located on any PayPal page or email. 

PayPal , Inc. is Licensed as a Money Transmitter by the New York State Department of Financial Services. PayPal , Inc., XXXX XXXX XXXX, License  # XXXX, Massachusetts XXXX XXXX XXXX. PayPal , Inc., Transmit Money By Check, Draft or Money Order By The Department of Banking, Commonwealth of Pennsylvania. PayPal , Inc. XXXX XXXX  Licensed Money Transferor . PAYPAL , INCXXXX XXXX XXXX XXXX, LICENSE XXXX XXXXXXXX, IS LICENSED BY THE GEORGIA DEPARTMENT OF BANKING AND FINANCE. PayPal , Inc. is Licensed by the State of Connecticut Department of Banking to perform Money TransmissionXXXX XXXX  # XXXX, License Number MTXXXX. 
Copyright XXXX PayPal , Inc. All rights reserved. PayPal is located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 
XXXX XXXX I do have not used PayPal in several years. I forwarded the above email to PayPayl to alert them of this issue. My SSN was compromised approximately one month ago. I filed 3 reports with FTC regarding the fact I had been scammed and SSN was compromised.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-14 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Fraud Claim has been placed with the Company, information is inaccurate and Causing Public Harm and economic Hardship.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISSIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation