vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-30 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: EQUIFAX, INC.
State: IL

Complaint narrative:
What happened? the credit bureaus has updated the following accounts on my credit profile but, they have still failed to provide me with an original signed contract with my signature on it. Under the FCRA section 609 & 611. the credit bureaus has violated my consumer rights by not adhering to the law, Section 611 ( S ) ( A ) states you are required to promptly delete all information which can not be verified. The definition of verify, according to the black law dictionary is to confirm or substantiate by oath ; to show to be true. Particularly used of making formal oath to accounts, petitions, pleadings, & other papers. Contract law states that only way to contest an affidavit is to respond another affidavit. According to the black law dictionary an affidavit, a written or a printed declaration or statement of facts, made voluntarily in confirmed by the oath or affirmation of the party making it, taken before an officer having authority to administer such oath. The credit bureaus failed to respond to my previous sworn statement if of dispute affidavit with another sworn statement of dispute affidavit which is against contract law. Also, section 605-B ( a ) block. Except as otherwise provided in the section, a consumer reporting agency shall block the reporting of any alleged identity thief, not later than 4 business days after the date of the receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity thief report ; furthermore, under the FDCPA section 809 states if the consumer notifies the debt collector in writing within the 30 day period described in subsection ( a ) of this section that the debt, or any portion thereof is disputed, or that the consumer request the name or address of the original predicator, the debt collector shall cease collection of the debt or a copy of a judgement, or name and address of the original creditor, is mailed to the consumer by the debt collection. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. If the following accounts and inquiries are not deleted immediately from credit profile. PLEASE IMMEDIATLELY PERMANENETLY DELETE THE FOLOWING ACCOUNTS AND INQUIRIES FROM MY CREDIT PROFILE UNDER THE FCRA SECTION 609, SECTION 605B, SECTION 611, AND FCDPA SECTION 809 I want the CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 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: AL

Complaint narrative:
Sadly on XX/XX/2019 my husband passed away I notified the social security administration on XXXX the representative informed me that his last check for XXXX that was deposited on XXXX would have to be sent back by the bank and issued to me ( the beneficiary ) and that anything owed to the bank I would pay once the check was sent to me. He said that they could not pay someone if they were not alive on the date the check was issued. The bank never sent the check back to Social Security. After many attempts to get this resolved via phone calls emails and in person the bank never released the hold on the check The social security office said since they would not release the check I needed to contact the US Treasury Dept.  I was grieving for my husband of almost 30 years and this was nonsense ... I then received a letter dated XX/XX/2019 from the bank stating account closed with a negative balance of XXXX. Then I received another letter from the bank dated XXXX stating account closed with a negative balance of XXXX. How could that be when it was supposedly closed on XX/XX/XXXX with a XXXX balance. They charged me XXXX per day for continuous overdraft fee after the account had been closed. Again how could that be? Now I have just found out that my GA dept of revenue tax refund was sent to this " closed account '' and they kept most of my money and cut me a check for the difference and I'm not even on the bank account. They never would speak to me because I was not on his account but they didn't have a problem keeping money that was in my name. I called the bank to let them know that the refund was sent to them error and after speaking with 2 people in the ACH dept I was told that there had been no activity on that account and that the refund check would be sent back to GA Revenue Dept. because it was a closed account. I received a call from the revenue dept and I was told to go to the bank and then call them so they could tell us where the check went to since it had been almost 2weeks and  the bank said they didn't have it and the revenue dept never got it back. I went to the bank and the lobby was closed drive thru only I reached out again to the bank and was transferred 5 times and then put on hold for 56 minutes and then it was XXXX and nobody answered. Someone needs to make banks accountable. This is NOT acceptable. I have more documents to verify everything in this complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
On XXXX XXXX, I was preparing the financial portion on paypal for a recent sale I had made. I received a invitation from paypal credit to apply for a credit line and receive a {$20.00} dollar discount on my next purchase. I applied and was approved for a {$2500.00} dollars. ( See Attached # 4 ).  On XX/XX/XXXX, I used the discount on an XXXX  purchase. ( See Attached # XXXX ) On XX/XX/XXXX, I attempted to make a purchase on XXXX, ( See Attached # 1 ) The seller accepted paypal credit so I assumed I would have to apply via the XXXX purchase page. ( See Attached # 2 ) I immediately realized the credit approval was already there. ( See Attached # 3 )  Unfortunately, the purchase was denied. I don't understand why the purchase was denied. Why would paypal go to the trouble of inviting me to apply for credit, reporting the new account to the credit bureau, XXXX See Attached # 5 ), give me a {$20.00} dollar discount on my next qualified purchase and approve me for a {$2500.00} dollar credit line and not be able to use it? I can't seem to get an answer from paypal. In fact, there are many pages of complaints on their website dating back from XX/XX/XXXX and none of them give a fair explanation. I thought the reason paypal was not answering my request for help was because of the recent developments with COVID-19, but after reading all the complaints on their website help section, I come to realize they have known about this problem for some time.

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 2020-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Portfolio recovery and associates currently reports misleading, Unverifiable, inaccurate information on the 3 major credit reporting agencies without full validation of debt. This is a violation of the fair debt collection practices act section 809b.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, wihtin my Transunion report . This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavi

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 2020-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX  XXXX XX/XX/XXXX XXXX XXXX/XXXX  XXXX XX/XX/XXXX XXXX XXXX/XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX  XXXX   XX/XX/XXXX XXXX/XXXX  XXXX  XX/XX/XXXX XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX  XXXX  XXXX  XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX These are unauthorized and are affecting me getting credit. I am in the military. I have filed a police report and I have sent it to the credit bureaus and these are still 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 2020-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OK

Complaint narrative:
Over 8 hard inquiries and a charge account all added illegally.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
These inquiries are unauthorized and affecting me to get credit. I am in the military and this is defamation of my character. I am not searching for credit. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/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 2020-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: OH

Complaint narrative:
So XX/XX/2020 I got an email by XXXX credit monitoring that there was a derogatory report. I hadn't received any notification nor collection letter stating I owed. I went on the website and called Midwest Recovery Systems llc which is listed as the debt collector for the {$640.00} I supposedly owe. ( XXXX XXXX, the rep ) told me they have no record of me, I gave them my social, name, maiden name, and DOB. I was told the debt was sold to them by XXXX XXXX, I called them. No record also, but they couldn't look up " archived debt " even though it was just put on the credit report. They told me who the company that originally sold them the debt " XXXX Credit card by XXXX XXXX  ''. I looked up their information, called them no information/record on me I've gave them what address I possibly could have been listed, and my birthday. I called XXXX PD to make sure I had a record just in case it was an issue of identify theft. Gave the investigator the information told by me from the companies I had communicated with. I have a police report number and was told unless it was identify theft they couldn't help me further but it was documented. I called Midwest back with this information, and was told they would investigate and would follow up. Haven't heard anything back & they give me the " we're still investigating run around game '' and I could talk to the director XXXX. I reach out to XXXX  also because I wasn't confident that Midwest would follow thru on this phony debt. Please help me, I don't want something on my report if it isn't true

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Orion Portfolio Services, LLC
State: MN

Complaint narrative:
I owed a credit card debt with XXXX XXXX which was charged off and placed on my credit reports as a bad debt. The owner of the Debt is now Orion Portfolio services LLC in Georgia. Orion works with a third party collection agency XXXX. I sent a letter via email to XXXX to Mr. XXXX XXXX, a supervisor, on what I was requesting to settle the debt. I requested all information associated with this debt to be removed 10 calendar days after my payment and if they accepted these terms to send a letter on their letter head. I received a email back indicating Orion agreed to my terms accept sending the letter on their letter head. On XX/XX/XXXX I made the payment with a Mr XXXX who indicating he would be sending the information to Orion as a one off to get this removed from my credit report. On XXXX XXXX, XXXX XXXX XXXX placed a bad debt on all my credit reports for the same company ( XXXX XXXX  ). Not being aware of XXXX I reported them as Fraud. I have since found out they work for Orion. I have made repeated calls to Orion, they refuse to let me speak with a supervisor or a manager. I have spoken to XXXX who indicated they sent the information to Orion on XX/XX/12. I spoke to XXXX who indicated they have not received payment. The 10 calendar days have expired and the original charge off is still on 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 2020-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, I was paid {$2500.00} to my XXXX XXXX  account, which by default was set to send to my debit card within 24 hours. The money never arrived. First, I reached out to the sender to confirm the money was withdrawn from his bank account and sent, which he confirmed the money successfully withdrew on XX/XX/XXXX. 

Then, even without $ deposited in my bank, XXXX XXXX transaction status listed " completed ''. So I called Chase who maintains they DECLINED the transaction due to an address discrepancy, which has since been fixed. Yet XXXX maintains that even though Chase declined it, they held the money and Chase provided XXXX with bank transaction # XXXX. 

Over the next 10 days was a back and forth between XXXX XXXX  and Chase Bank customer service, where my money still has not come. Chase maintains they have no way to track back transaction # XXXX ( which is hard to believe ) and still insists they don't have my money. While XXXX insists that they do. 

Bottom line, I need my money ASAP, and this process has only been more infuriating that Chase has horrible phone support and no online support. And XXXX has no phone support and only online. So I can't even get the parties on the phone together! 

Please help me resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: KY

Complaint narrative:
USAA Bank is reporting two accounts under my previous name that are both a result of identity theft. i originally notified the company almost 4 years ago of these fraudulent accounts but still nothing has been done. I have sent this information in time and time again. I once again am including my court orders and police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
2 accounts was removed from my credit report not giving me a Fair Credit report. 
XXXX-OPENED XX/XX/XXXX- UNSECURED LOAN, {$32000.00} XXXX- OPENED XX/XX/XXXX. 

BOTH POSITIVE ASPECTS OF MY CREDIT REPORT THAT HAS NOT BEEN REPORT IN THE PAST SEVERAL MONTHS. 
Per FCRA PAID DEBT SHOULD REFLECT INDEFINATELY OR AT LEAST TEN YEARS ON MY 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 explanation
Consumer complaint received 2020-03-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: VIRGINIA HOUSING DEVELOPMENT AUTHORITY
State: VA

Complaint narrative:
I got divorced back in 2004 and was awarded the home as long as I maintained the mortgage. The Respondent never responded to the prompt execution of the deed transferring all his interest to me after several attempts made throughout the years. I submitted my divorce papers to Virginia Housing Development Authority ( VHDA ) several times and they are not helping me stating I need his signature. If he ignored a court order of signing the house over to me how am I suppose to get a signature from him? I have not seen nor spoken to my ex since 2004 and I do not know his whereabouts or whether he is dead or alive. I am not able to remove his name from the mortgage/deed because he is unfound. I keep explaining the situation to VHDA and they offer no assistance even though their website states say to contact them if you are having financial trouble. I can't apply for any modifications or forbearance during the Corona Virus due to this ongoing situation and I do not want to go into foreclosure. I've made all mortgage payments and I have 12 years left on the loan and when I need assistance VHDA turned their backs on me. It's great to see other institutions are helping their consumers during the pandemic but not the VHDA in my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: PA

Complaint narrative:
I paid this debt off XXXX XXXX this company is claiming they never received the money order, Im not getting any help but I have proof I sent it out and that I paid off debt and now I cant get it removed after paying it off, I showed all my proof and I keep reaching out to ( XXXX ) the supervisor and he isnt responding back and Im not paying them again I left voicemails on his phone to speak with me he hasnt attempted to reach out to me and I cant get a home and havent been able to for 4 years due to this I reached out to XXXX and paid {$15.00} to get a copy of the already spent money order for {$480.00} and both XXXX XXXX and national credit system are claiming to have never received the money I need help removing due to I been paid off I can send in any of my proof I filled out a Forgen application to see who cashed my money order and still waiting on that but this is ridiculous there asking for more money I need some type of conclusion to this problem I dont want to give anymore money

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Citi bank has retaliated against me for filing federal complaints by closing my account. I made a {$500.00} payment two weeks ago. Citi responded by lowering my credit limit. I filed federal complaints for arbitrarily lowering my credit limit on my account in excellent standing for no reason at the onset of a natural disaster and national emergency. In response to my compaints, Citi has now closed my account. Lowering my credit limit due to " high balances to credit ratio '' means that now my debt to credit ratio is even lower so all my other credit cards can lower my limits on those accounts as well, because now that Citi lowered my limits my debt to credit ratio is even higher. Citi started a viscous circle where my credit will repeatedly be negatively impacted. Now that Citi has closed my account, that will negatively impact my credit 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 2020-03-30 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: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
My account was sold by Gateway One lending and finance to Santander Consumer USA. Since then my account is showing as closed and it has decreased my credit score by nearly 20 point each month. I have asked to have them update who the owner of the debt is to Santander Consumer USA. I am have been unable to contact the company for three days and their chat option is not available. I still owe the debt and have been paying so the account is not closed just under a different company.

Company response to consumer: Closed with explanation