vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: ACIMA CREDIT, LLC
State: NY

Complaint narrative:
When my husband died, I advised ACIMA by email. I also called and sent a death certificate. I was told that the payment would be refundef once they processed the document. The next week another payment was taken. I called again and was told that it would be refunded once the department processed the document. I followed up and no response until a third payment was taken. When I called, I was told to contact my bank becuase ACIMA could not do the refund. 

The bank filed the claims and ACIMA rejected them leaving my account overdrawn.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I noticed a credit check on my credit report that dropped my credit score on XX/XX/2024. The credit check seems to be from Capital One Bank. I did not apply for a credit card from capital one, nor do I do any banking with them. I did not authorize this credit check.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
It is enshrined in the annals of the Fair Credit Reporting Act, under the category of 15 USC 1681 section 602 ( a ), that consumer reporting agencies have the solemn duty of guarding the fairness, impartiality, and respect for consumer privacy in their line of work. In this scheme of stakeholders, esteemed institutions such as XXXX, Transunion and XXXX operate as consumer reporting agencies and I, the undersigned, fall under the category of the consumer. 

XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX  Balance : {$130.00}

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 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
It is enshrined in the annals of the Fair Credit Reporting Act, under the category of 15 USC 1681 section 602 ( a ), that consumer reporting agencies have the solemn duty of guarding the fairness, impartiality, and respect for consumer privacy in their line of work. In this scheme of stakeholders, esteemed institutions such as Equifax, XXXX and XXXX operate as consumer reporting agencies and I, the undersigned, fall under the category of the consumer. 

XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX Balance : {$130.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: NV

Complaint narrative:
On XX/XX/XXXX, I received a letter dated XX/XX/XXXX from XXXX XX/XX/XXXXXXXX that they are transfering the servicing of my mortgage loan to Mr. Cooper effective XX/XX/XXXX. 
On XX/XX/XXXX, I sent my mortgage payment to Mr. Cooper with the amount of {$650.00} through my bank 's billpay because the mortgage is due in the XXXX of the month. 
I have called Mr. Cooper on XX/XX/XXXX and XX/XX/XXXX to get an update regarding with my mortgage and was told to send proof of payment. 
On XX/XX/XXXX I have sent my proof of payment to Mr. Cooper at XXXXmrcooperXXXX On XX/XX/XXXX, I've tried to call customer service again. They said that they can see the payment there. But how come they could not apply it to my account to reflect that I am current. 
On XX/XX/XXXX, I've tried to call again and was told to send my bank statement. 
On XX/XX/XXXX I have sent an email to XXXX XXXX, one of Mr. Cooper 's representative, my bank statement showing that I paid my mortgage before it is due in XX/XX/XXXX. 
On XX/XX/XXXX, I've made a payment of {$650.00} for the due date XX/XX/XXXX because I am not sure when this will get resolved. By now, I shouldnt have any delinquencies. Until now, my account shows that I am delinquent and they sent me a letter that my mortgage is in danger of foreclosure. I am XXXX XXXX XXXX and this is causing a lot of stress and aggravating my health. I have an upcoming XXXX and I shouldn't have this kind of problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NRA Group, LLC
State: NY

Complaint narrative:
I am unaware of this debt. I did not have the opportunity to dispute this debt before appearing on my consumer report, as I did not receive proper notification. If in fact, you disagree, that I did receive proper notification, please provide the CERTIFIED MAIL RECEIPT that includes my signature, stating that I received notification at least 5 days before this debt appearing on my consumer report. I am aware of my rights under the FDCPA and FCRA, which entitle me to receive notification of any debt collection activity and to dispute any inaccuracies on my consumer report. The lack of proper notification violates these rights, and I demand immediate rectification.

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 2024-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
On XX/XX/year> Genesis crdt inaccurately reported on my credit that {$9300.00} is owed. I have absolutely no knowledge of this company or done business with them. Please remove inaccurate information immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: OH

Complaint narrative:
there are 2 collections on my otherwise excellent credit by a company by the name of MBA law - i have never contracted with this company - i have know knowledge of this company and it appears twice on my personal credit i would like for these collections from MBA LAW to be removed immediately. 

i have sent corresponsence to the MBA LAW company and have received no response and that was approx 40 days ago. 

according to various laws of the FCRA- i have a right to credit reporting in an excellent manner collections may be a result of an old debt that was either discharged, paid or cancelled. According to tax documents - as a consumer if this was an old debt it may have been charged of and is no longer a debt to me but has been reported as income,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BSI Financial Holdings, Inc.
State: NJ

Complaint narrative:
Re : XXXX XXXX XXXX BSI Financial Services acct # XXXX I purchased my home in XXXX of XXXX. In the Fall of XXXX, I began receiving mail from XXXXXXXX XXXX XXXX BSI Financial Services. Through deception, BSI stated that they were my mortgage company. 

I have no contract with BSI and never have. They have extorted me once for approximately {$40000.00}. Then made several attempts extort me again. 

BSI has harassed me, taken my money, overcharged me and added fees to an alleged debt. When I write to them, they take 30 days to respond and say that it is the lawful amount of time given to them. If a response is received, they avoid some of the questions or inquiries as to withhold information. 

BSI has unlawfully purchased my personal/private information and my promissory note. and when I even submitted an allonge to correct the blank indorsement, they disregarded it. 

BSI has committed Identity theft by selling my information multiple times, to third parties without my knowledge and consent. 

BSI used XXXX XXXX to threaten me to pay BSI money that was not owed to them. When asked to show me a signed agreement with my wet-ink signature, they refused on several occasions to provide such. 

The actions of BSI have been the major factor in the decline in my health, economic wellbeing, and the inability to live a life in pursuit of happiness. 

Please see the attached Affidavit of Truth that was sent to BSI along with their response. They are not able to send a proper response which could rebut any of the points that were on the document. 

Please let me know of any and all other documents that youll need as you look further into the plethora of violations that they have committed. We are requesting your protection

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
This company is NOT licensed on bonded to collect from the state that I live in, which is the state of Georgia. pursuant 18USC8 I do not own any debt. This company is violating my consumer rights to privacy. Please help resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD

Complaint narrative:
I am writing this formal complaint to dispute owing a collection/chargeoff listed on 3 consumer reports from FCO. FCO failed to notify and send validation of the debt or properly investigate the accuracy and integrity of the information it furnished to consumer reporting companies. If proper notification was sent, request FCO send proof of notification/disclosures/original transactions with detailed descriptions via certified mail along with the return receipt. This is a violation as the collection agency ( FCO ) has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) however, the collection was placed on my consumer reports. I was not afforded the opportunity to dispute the account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ). FCO has no authority to furnish any account to consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ).

I am revoking all rights of FCO communicating through email/text/telephone calls.

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 2024-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NV

Complaint narrative:
There is multiple transactions from cash app totaling {$1700.00}. I reported these transactions as unauthorized to the company Cashapp in time. The company then gave me a bunch of excuses in writing, that I cant do anything about it. Their support is less than helpful. I tried to dispute through my bank, but my bank is saying, I have to dispute through cash app due to the terms and conditions agreed upon when signing up through Cashapp. The bank and cash app are in violation of EFTA. My recent contact with cash app, they told me to contact my bank since I already filed the claim. My bank has already denied the claim as failed to send-mail correspondence on the claim. I suspect the bank and cash app are colluding against customers. Cash app refused to file a claim being that I already have a existing claim through my bank, even though that claim has been decided upon against me illegally according to regulation E. The bank and Cashapp are violating the consumer protection laws and are being arrogant and disrespectful about it. 

The chat history you mentioned where I claim the recipient didnt honor the agreement was regarding another transaction for another recipient. There are multiple recipients for these transactions and for this claim. Your attempts to make that an overall excuse to justify these transactions as valid shows you enable fraud and abuse and couldnt care less about your customers. Im sure the recipients are felons with inactive accounts on their end. There was no verification sent to my email or phone when these transactions were made, despite the fact there are a lot larger than the transactions I normally made in the past your customer service is lousy and less than helpful. See reference here as proof of your lousy customer service. 

I mentioned in the chat history, which you didnt mention in your response, about a former roommate who stole from everybody in the house , probably initiated the transactions, which she didnt have my permission to do so, but yet you failed to mention that in your response, even though I added that image of the chat to the initial complaint. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc
State: NJ

Complaint narrative:
Claim ID : XXXX Chime strikes once again. This is exactly why I never use them any more for purchases that I know will have even just a 1 % chance of me later on needing to dispute them. Just like with all my other disputes in the past that Chime grossly mishandled, I showed them more than one piece of documentation. I showed them all my communication with the merchant in which case I got nowhere and got no response ( Attached ). More importantly, I showed two photos of the service provided, which prove that still after a year and 3 months the work has not been properly completed ( Also attached ). I provided valid documentation, and I know for a fact that the merchant didnt even respond at all. Because if they did, I wouldve been provided with more than a copy of the intake form. And when the cardholder shows documentation and the merchant doesnt even respond at all, the bank is automatically supposed to go in favor of the cardholder. Chime needs to stop playing their sick games and credit my account for the funds of the XXXX transactions equaling {$1600.00}, so that I can go elsewhere and have this god awful XXXX removed and a new XXXX put in. One that matches the color as the rest of my XXXX, is not bulgy, and is properly aligned according to the rest of the front bottom row of XXXX. Also as you can tell in the photos of my mouth, they removed what they claimed was excess XXXX XXXXXXXX, but obviously removed too much and claimed to me several months ago it would grow back. But it hasnt one bit If Chime refuses to take the appropriate action and credit my account for {$1600.00}, not only will this complaint and the fact they did not resolve this remain on file, but I will be filing a lawsuit against them for the value of this dispute, along with the value of the other disputes I had filed with them in the past against XXXX. These people should not be able to continue to get away with their unethical business practices, and they won't. Not if I can help it

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
This account does not belong to me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
On XX/XX/2024, I mailed a first class letter to request the names, phone numbers, address and all other documents that were used to verify the accounts on my credit report that were recently investigated. By law, Experian is required to send this information within 15 days after completion of their investigation. Experian received my request on XX/XX/2024 per USPS tracking system. They refuse to send me this information. They are in violation of my rights as a consumer.

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 2024-03-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
on the day of XX/XX/24 i had bought clothing merch from the merchant XXXX. the price of the items i ordered was a total of {$2400.00}, then i was told that my package had arrived when in reality i never received anything, i had attempted to dispute it through apple support and after a month and a half they sided with the merchant regarles of me receiving anything, which i dont see hows thats fair at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 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: MD

Complaint narrative:
i submitted my original complaint on XX/XX/24 and the company responded on XX/XX/24 with information about the account in question. I ask to be shown

the Purchase agreement, this is what proves they own the debt and that also proves that the debt in question belongs to me without that everything is hearsay. The provided Letter that comes in the mail that they send out to show how much the debt is and how to pay etc that is not the purchase agreement. so again... this company is reporting fraudulent inaccurate information on my credit report. i have requested that they provide the purchase agreement to show full ownership of such account and also so i may review to see if this is actually an account that belongs to me!

# XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting 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: MI

Complaint narrative:
I DID NOT APPLY FOR CREDIT AT THE PLACES BELOW : Inquiry : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under Section 1681s-2 ( b ) of the FCRA, when a furnisher receives a consumer dispute forwarded by a consumer reporting agency, the furnisher must conduct an investigation to determine whether the disputed information can be verified. If the evidence available to the furnisher is inconclusivei.e., if the investigation is unable to determine whether the disputed information is accurate or notthen the FCRA does not allow a furnisher to report back to the consumer reporting agency that its investigation verified the accuracy of that information. Even if no reasonable investigation could have conclusively determined that the information was false, the fact remains that the information has not been verified and must be handled accordingly. In particular, Section 1681s-2 ( b ) ( 1 ) ( E ) provides that when disputed information is found to be inaccurate or incomplete or can not be verified, the furnisher must, as appropriate, delete, modify, or permanently cease reporting the disputed information. The appropriate response is the one that will ensure that the furnisher does not continue to report any of the XXXX XXXX, XXXX XXXXXXXX, XX/XX/XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX information that the consumer has disputed unless that information is verifiably accurate. Thus, any information that can not be verified should be deleted from the data that the furnisher submits to consumer reporting agencies. Moreover XXXX still has NOT PROVIDED PROOF. Please remove the above inaccurate information.

Company response to consumer: Closed with explanation