vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Unifin Inc.
State: NC

Complaint narrative:
I paid a debt that was for XXXX, and it was paid to UNIFIN. I was told by the representative on the phone the debt would be reported to the credit bureau within 30 days, as I wanted to be sure it was reported. I am a single mother trying to pay off my debts to get a home for my son and I, and this was very important to me. 30 days passes, and it was not showing on my credit report. I called back, and another rep told me it should show soon. 60 days passes. I eventually received another bill in the mail showing an oustanding balance, and I was very upset. I called and was told this was inaccurate and that the bill was already paid. When I asked why it had not been reflected on my credit report yet a lady named XXXX ( I believe? ) said " sorry, this account isn't reported to the creditors. '' I called XXXX, XXXX XXXX, Unifin -- - no one cares that it has not been reported to the creditors, although when I called Unifin and e-mailed in response to their receipt showing my payment I was told twice before it would be reported. There should be recordings of this since they always say " this call is being monitored '' .... yet no one can seem to pull up a recording when I ask them to, as that will prove what I am saying is true. This is not right. 

I reported to the XXXX, and the company still contested it saying the account is not reported to creditors. Why did two different reps tell me twice it would be reported- just to get my money? I still show a derogatory account on my credit report to XXXX. I even mailed XXXX a letter, and they were no help. THIS HAS BEEN PAID!!!!!!! I have the receipt where I paid the settled balance Unifin offered in full with my debit card on XX/XX/2020. Had I known this would happen, I would have required it be put in writing that it would be reported to the creditors. I took the reps for their word. 

This is so unethical, and I have done every possible thing I can to hold them accountable to what I was promised. Something as simple as reporting my account was paid in full for the settled balance -- to eliminate it showing as derogatory, because I did my part of paying my balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: World Acceptance Corporation
State: IL

Complaint narrative:
I have a loan account with world finance. We have been trying to make arrangements. But I have been told I have one week to make a payment. I haven't worked in a month I do receive XXXX benefits but it only {$530.00}. Just enough to pay my bills and rent. If they take their money from my account I won't be able to pay my rent. I'm trying to sign up for unemployment with no luck, I haven't received my stimulus check. I don't have any money at this time and with the stay at home order. What can I do am asking for more time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Recovery Management Solutions LLC
State: OH

Complaint narrative:
The company called from XXXX, stating that I owed around 1200 in a loan from XXXX that I never applied for and threatened to take legal action. They stated that I received a loan in the amount of {XXXX} deposited into a XXXX account that I never had. I called XXXX and they have no record of me and stated that I would have to live in Georgia or Florida. Which I live in Ohio and have always. The loan was supposed to be taken out in 2014. I have never applied for a loan from XXXX and now people are scamming the public.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 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: GA

Complaint narrative:
XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX violated my 609 rights by reporting information to TransUnion regarding my credit file. TransUnion further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX   XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX reported to TransUnion that I applied for credit in which I never applied for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have addresses, phone numbers, and names corrected on my report this is a violation of my consumer protection rights.

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 2020-04-15 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: IL

Complaint narrative:
Please reference report number : XXXX. ( attachments are in that report ) This report as stated above is closed and Experian stated in that report that they were in the process of removing all late payment information from my credit report apart from the bankruptcy of XX/XX/XXXX. 

As of today, XX/XX/XXXX, they continue to report that my credit had 90-day late payments in addition to the bankruptcy. I have attempted to resolve direct with Experian and obtain an update ; I have been unsuccessful. 

I do not understand why it is taking them so long to make the amends they stated they would accomplish. Remarks in my credit report from Fair Issac Credit Corporation dated XX/XX/XXXX show that Experian continues to make reports that at least 4 of my accounts have been late 90 days in addition to the bankruptcy, which is patently proven to be false, independent of the bankruptcy statement continue to harm my credit scores for unsecured credit, mortgages, auto loans >> as well as FICO scores across a range of their products.

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 2020-04-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Health Corporation
State: KY

Complaint narrative:
On XX/XX/20 I realized my paycheck had wage garnishment being withheld on my last 3 paychecks on Friday each week starting on XX/XX/20 til present XX/XX/20 in amount totally almost 500.00. This apparently is from a 4-5 yr old medical debt that I never received a notice of garnishment about. Why garnish a persons pay now during a pandemic for a 4-5 yr old debt when the person is lucky enough to even be working to receive a paycheck and are not having to rely on government assistance yet also to a point you can not even cover your expenses?? If they can locate enough info to contact my employer to garnish my check then they should have been able to contact me regarding this debt as well. I have tried to contact the original debtors, original collection agency, the law firm that apparently filed suit and also my employer to request information regarding this garnishment, the original debt, how much I owe and what kind of exorbitant fees are probably being charged but no one will or has provided that information Ive only gotten the run around. Due to the fact that everything is pretty much shut down and quarantined I have had issues trying to contact anyone to get what information I could on my own from the court system etc. My employer only provided me with the payees names of Hillcrest credit agency and XXXX XXXX XXXX for garnishment to be sent. The original creditor was XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 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: VA

Complaint narrative:
Please remove the following unauthorized inquiries inwhich all are unknown to me. I'm demanding that these fraudulent unauthorized inquiries be removed. 

1. XXXX ( XXXX ) 2. XXXX/XXXX ( XXXX ) 3. XXXX XXXX ( XXXX ) 4. XXXX ( XXXX ) 5. XXXX XXXX ( XXXX ) 6.  Citizens ( XXXX ) 7. XXXX XXXX XXXX ( XXXX ) 8. XXXX XXXX ( XXXX XXXX 9. XXXX XXXX XXXX ) 10. XXXX  XXXX XXXX   XXXX ( XXXX ) 11. XXXX XXXX ( XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TMX Finance LLC
State: OH

Complaint narrative:
The company called from XXXX, stating that I owed around 1200 in a loan from Instaloan that I never applied for and threatened to take legal action. They stated that I received a loan in the amount of {$500.00} deposited into a XXXX account that I never had. I called Instaloan and they have no record of me and stated that I would have to live in Georgia or Florida. Which I live in Ohio and have always. The loan was supposed to be taken out in 2014. I have never applied for a loan from Instalaon and now people are scamming the public.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was divorced XX/XX/XXXX and per that divorce agreement I was to give up the house and the anything associated with the house, which I did. There was a line of credit that was taking out XXXX. My ex-wife gave SunTrust the divorce papers stating such ( so she says ). She can't or won't refinance because the of her debt to income ratio, as she puts it. She is using my credit score and how much I make in order to keep my name on this. What can I do, since it is in the divorce decree? I don't why my name can't be removed, she has been paying on this since XXXX. It is obvious that she has the money to pay it. If she defaults on this loan then I am liable and per the divorce decree I will not be liable since the house is solely under her name.

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 2020-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
ON XXXX my friends vehicle was broken in to and my purse was stolen. Due to COVID I was unable to contact my bank to notify until XXXX - I did this first thing in the morning along with all credit / XXXX / everything. I figured I was good, I didn't see any strange transactions on my bank. on XXXX at XXXX I got a text alert that my account balance had dropped to {$0.00}. I checked my bank app and saw a withdrawal for {$490.00}, along with a suspicious deposit of {$1900.00}. I called the bank immediately to advise this is fraud and why / how could this happen when my account was alerted as " Compromised Identity and fraud '' on XXXX i wasn't able to get through to anyone I sat on hold x2 for 2.5 hours only to be hung up on. I wasn't able to see the slips on XXXX as they were still in a Pending status. at XXXX on XXXX i was able to open and look at them. I called chase again and got Fraud about XXXX MST. My account was " locked '' or placed on hold. The man i talked to said he could see the signatures on the slips and check from XXXX did NOT match my previous slips and this was indeed fraud. I was transferred to Claims and I filed for my money to be returned. As of today XX/XX/15 I still do not have my money back. I told the bank that I had transferred all remaining funds to my savings account to protect the money from the people she stole this check from. My bank returned the check to the XXXX ( Fraud check deposit ) My account was then Negative {$2000.00}. I was still pending my money to be returned, when i talked to claims I gave them all three police numbers and was told that they wouldn't investigate of give me my money back until I sent them copies of the police report. After this I filed a complaint with the executive office XXXX. Yesterday I called after not hearing back on the status of my account, what is going on, why hasnt the video footage be given to the police ... I was told I was going to get a call back. I received a letter that I was also being charged for the fraud check?? even though I reported it. I had {$100.00} in my savings account ( Prior to this mess ) and told the executive that they would need to transfer all but the {$100.00} and when they finally put back my {$490.00} the account will balance out but they need to put the money remaining in to my new account that the XXXX branch did NOT assist me in opening. I looked today ( XX/XX/15 ) and my savings account is GONE, all money was transferred to that overdrawn account. I learned that my Stimulus is going to be deposited to the account that is on hold, but I can not get a call back, if I am going to receive that or what exactly is going on. 

I just checked the letter on my chase app and apparently they are saying I authorized this transaction on XXXX WHICH I DID NOT!! I can PROVE I was working and NEVER in XXXX!!!!! 
This bank ASSISTED in commiting Fraud and I am still being Victimized!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-15 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP
State: PA

Complaint narrative:
XX/XX/2020 I have tried to get onto the US Relicard site and it says I am locked out, call the number on the back of the card to reset password. I call the number, it says invalid number. What is the correct number?

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 2020-04-15 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I just noticed unauthorized inquires reporting on my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I received a debt collection from Resurgent Capital Services who is also affiliated with LVNV Funding LLC for two accounts a Visa and MC in XX/XX/XXXX. I immediately called Resurgent and requested verification of the two accounts trying to collect on and was in turned asked for me to send proof the debt was not mine. I informed the individual it is not my role his company was reporting the debt and should validate. A day later I received notice from my credit reports that the two accounts were reporting on all three credit bureaus reports ( XXXX, XXXX  and XXXX  ). I immediately  sent a written letter requesting verification of the debts in XXXX within the 30 days debt validation. 

I received letter dated XX/XX/XXXX that appeared be system automated response ignoring my validation request informing me the information I provided was insufficient to support my claim. It was totally obscured. I sent a second certified request validation letter of which Resurgent in return sent a partial statement appearing to be restructured reporting the amounts in dispute but no further validation of debt, the agreement, their collection rights in my state, age etc as requested within my letters. They never stopped collection activities and removal of the accounts from the credit bureaus as per FDCPA requirements. It appears they intentionally send minimal information to prolong the issue with no intention to validate or delete from the credit bureaus. I have copies of all correspondences. 

I have written to all three credit bureaus and provided the correspondences as evidence and they have done nothing. They claimed the debts were validated. How could the debt be validated when I have not received validation? LVNV closed the accounts reporting on XXXX but did not delete them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 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:
I just noticed unauthorized inquires reporting on 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 2020-04-15 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:
I just noticed unauthorized inquires reporting on 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 2020-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
Synchronicity Bank ( @ # 800 service, XXXX, ) twice called my number. The first call I ignored at XXXX XXXX on today, XX/XX/XXXX. I returned the call as they had awakened me, I suffer from XXXX XXXX   and have difficulty sleeping so this early morning wrong number was particularly disturbing. I spoke to XXXX and advised her, after she disclosed my number was linked erroneously to XXXX XXXX XXXX, that this number was not for that account holder, I owe nothing to them and demanded they stop calling me. The phone calls are recorded. I received a SECOND call at XXXX, same day, which I answered. Was connected, again on a recorded line with XXXX who I repeated the demand to cease all calls to this num, which I provided to XXXX. Please tell this creditor they have the wrong number and please also notify XXXX XXXX XXXX that Synchrony bank is illegally disclosing protected information to me, a third party, for whom Synchronicity has absolutely no authority to disclose.

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 2020-04-15 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Action Finance Inc.
State: TX

Complaint narrative:
I repeatedly asked every employee including the district manager to not contact me before XXXX, they repeatedly call me before XXXX while I am at work even after I had advised them that my employment could be at risk if they continue to call me. Every employee including the district manager still calls and argues that they can keep calling me regardless of my ongoing efforts asking them to call after XXXX. I have made arrangements on the account with the exception of being past due 2 days, the manager advised me that regardless of my request because I was 2 days late I would receive calls prior to XXXX. I believe I am being harassed and even advised the district manager after several calls prior to XXXX that they are purposely calling me before XXXX. I even have calls from their office and they do not speak, they just hang up the call.

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 2020-04-15 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have sent two emails to BOA complaining and had No response as of today. what happened is I have originally applied for a home equity loan in XXXX XXXX and that was solicited to me by my BOA ( bank of America ) website. I applied and furnished BOA about 120 pages of documented proof that they ask for. They were taking a  longer than usual time to underwrite me, but they did manage to add BOA to my homeowners policy and my flood insurance as additional loss payee in XX/XX/XXXX. Since after over two months later they said I did not qualify. I told them I was not satisfied with their out come. So I believe around XX/XX/XXXX a XXXX XXXX ( XXXX ext XXXX ) the manager of XXXX XXXX XXXX ( XXXX ext XXXX ) because as of today they have ask for another document of which was done month who was my contact person for my equity loan application called me and we decided to reapply using my wife 's income also and it would take 3-6 weeks. So I had to call on almost a daily basis to get them to act on/process my new application # XXXX. ( third app FTI ). Anyway they confirmed with me they would use as much from prior app to expedite my. They have continually ask for duplicates etc. and I believe I have been discriminated because of my age and XXXX. Because as of today they asked for the same notarized document they told me they will use the one we furnished previously. I believe this is also 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