vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-23 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 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: C/C Financial
State: PA

Complaint narrative:
I am a victim of identity theft and did not make these charges. The items that need to be removed from my report are listed in my supporting documents. I do not know these companies. I have never done any business with this companies. These companies does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Bureaus, Inc.
State: GA

Complaint narrative:
Since XX/XX/2021 I have attempted to obtain resolution from The Bureaus INC., regarding an alleged owed debt that is a result of fraudulent activity. The organization continues to send me copy of bills as debt validation. As a victim of identity theft I am requesting the original contract with my wet signature. Such documents do not exist because I did NOT authorize this account or the purchases made.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
Transunion is reporting illegally obtained information on my credit report. HIPAA prohibits the release of information without authorization from the patient. Attached is the document sent to me by XXXX XXXX XXXX in which they have line by line accountings of procedures & additional information in regards to my medical visit which by law should only be released to my physician. 

If these two items from XXXX XXXX  are not removed immediately I plan to pursue this matter in court to the full extent of the law. 

REMOVE IMMEDIATELY

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 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: V and H Portfolio
State: MD

Complaint narrative:
XXXX XXXX SS # XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX VANCE & HUFFMAN LLC ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX  Account # : XXXX I submitted a CFPB complaint against this company in regards to inaccurate information on my credit report and the actual right for them to collect on this debt. 

They failed to properly validate the alleged debt and continue to report unverified inaccurate information on my consumer report. I have been unable to obtain a mortgage, auto loan and job due to this inaccurate and unverifiable information. I have seen XXXX XXXX in regards to XXXX and XXXX in relation to this issue and have been diagnosed with XXXX XXXX and XXXX by trained and certified XXXX XXXX  and can produce documentation that proves such. 

I

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: BUSEY BANK
State: IL

Complaint narrative:
On XX/XX/XXXX I transferred funds from my money market to checking. Busey bank said they do not give receipts for transfers. How can I know the money was put into my checking account? The bank said I could look online. I do not have a computer and do not want to bank online. I believe this a dangerous practice. The clerk finally gave me a handwritten receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 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: PA

Complaint narrative:
I am a victim of identity theft and did not make these charges. The items that need to be removed from my report are listed in my supporting documents. I do not know these companies. I have never done any business with this companies. These companies does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hello my Name is XXXX XXXX XXXX. I started Edd in XX/XX/XXXX. However my payments from edd retrowed back to XX/XX/XXXX. I never received my Pre paid card so i called the bank of america they said they would sebd a new card. When i asked my balance. They said i didnt have any money on my card. I explained how can i spend it if i never got a card. XX/XX/XXXX i filed a claim for {$14000.00} XX/XX/XXXX the bank posted provisionals XXXX. I had to XXXX XXXX money to myself no card. So XXXX XXXX comes and this Bank freezes my account and takes all the money back plus what i didnt left in the account after XXXX  XXXX  and puts me negative XXXX XXXX comes and my ckaim pays i rec letter but they never posted the funds. They state that there were duplicate claims and removed {$700.00}. Mean while all my edd pymts are still comeing in and paied down tjis nrgstive balance which in truth the numbers dont add up. The finaly paid me {$14000.00} and XX/XX/XXXX it paid off a negative balance of XXXX which is wrong should have been - XXXX. I never got anything back never got XXXX of my edd payments and they still wont post my claims thst have since paid on XX/XX/XXXX {$3500.00} and {$4800.00} XX/XX/XXXX. Its been 6 months now. They have sent me letters that the funds posted but the credits they posted were credits the doubled dipped on and took out 2 times on 13 amonnts. And other credits were money they over took when they took provisionals out. What can i do. I cant get help. My govenors office has called states assembly has called still no money. My email is XXXX. my phone # is XXXX. Please help me

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 2021-08-23 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have sent in documentation on inaccurate information reporting on my credit report. The bureau has yet to reply or remove the items from my report. The letter was sent in on XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 00:00:00
Product: Credit card or prepaid 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS

Complaint narrative:
In XX/XX/XXXX a merchant fraudulently charged Bank of America my credit card for unapproved services in the amount of amount of {$11000.00}. I immediately alerted Bank of America regarding the transaction which followed a series of back and forth investigation.

Since then the issue remains unresolved despite efforts on my part to get the matter resolved fairly.

Instead of investigation the matter, Bank of America unilaterally started reporting my account to the credit agencies for default on payments despite the fact that i continued to contact the company and share documents related to the dispute. All this time, i continued to make minimum payments on legitimate balances that i felt i should have been paying pending the dispute resolution. 
Other than the disputed transaction, I have had no any other credit issues on record. But the action by Bank of America has has had the greatest impact on my then excellent credit rating, causing denial of credit and loan applications The bank is now claiming that because of the default they have closed the account and that they are going to charge off the account at the end of 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 monetary relief
Consumer complaint received 2021-08-23 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: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
I am a victim of identity theft and did not make these charges. The items that need to be removed from my report are listed in my supporting documents. I do not know these companies. I have never done any business with this companies. These companies does not have a contract with my signature.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Consumer Portfolio Services, Inc.
State: VA

Complaint narrative:
My husband and I purchased a XXXX XXXX XXXX XXXX  from XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX, XXXX on XX/XX/XXXX. We financed the car through a company that we thought was a banking institute. When we got behind on the payment and contacted the office, the recording stated they were a debt collection agency. We questioned them on several occasions on how were we able to get a loan from them if they are a debt collection agency, everytime the rep stated they are not a collection agency. I feel we signed the contract under false pretense with the sales rep, due to we were told the banking institution that was financing our vehicle, isn't a bank but a Collection Agency name Consumer Portfolio Services , Inc, XXXX XXXX XXXX, XXXX, CA XXXX, XXXX, the local office near me is XXXX XXXX XXXX, XXXX, VA XXXX. Per the Federal Trade Commission in XXXX the company had to pay XXXX XXXX back to consumers for falsifying information, which was done to my husband and I. We were told that if we couldn't pay our loan balance off by the end of our matured date that we keep making payments, but they spoke to my father in law on XX/XX/XXXX and stated that they could repossess my vehicle at anytime even though we're making payments. I truly believe my husband and I were scammed into using this company because we really needed a vehicle for our family. I would like for this company to investigated, because the amount of money we paid to get up over the years and it seemed like the balance never changed, which is know is against the law

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XXXX, four accounts were fraudulently opened at Sun Trust using my social security number, Dob, and address. Contrary to the information on your website, Sun Trust has refused to furnish copies of the applications used to open these accounts. I need this information to provide to the XXXX XXXX XXXX Police who are investigating this problem. My Case number with Sun Trust is XXXX XXXX. Sun Trust continues to tell me that the information is confidential and I am not entitled to it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: PA

Complaint narrative:
This company is attempting to collect on out of statute debt which is unlawful under the Fair Debt Collection Practices Act. Please confirm the information shown in this account and REMOVE COMPLETELY FROM MY CREDIT REPORT. 
ERC ( Original Creditor : XXXX XXXX  ) XXXX-Balance {$1600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-23 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
I began getting calls from PayPal in mid XX/XX/2021. These calls were actually being intercepted by my phone company XXXX 's robocall-blocking feature but I could see the Caller ID and number that was calling me. I called PayPal and was told that I had a balance due to Paypal of {$300.00}. I told them this account is fraudulent and they told me that this was being reported as fraud and would be referred for investigation. They told me that I did not owe PayPal anything. 
In early XXXX, I received nearly 20 calls over 4 days. I called PayPal again and was told that I still had a balance due to Paypal of {$300.00}. I subsequently found that someone had opened at least 2 accounts in my name, SSN, address and telephone number fraudulently. I also found out that there was a balance due on a second account of {$180.00}. 
When I contacted Paypal XX/XX/XXXX to report the fraud I wasn't even aware there was second account. I was told that the suspect account would be closed, that I am not responsible for the amount due and that their collection agencies would be made aware and would not contact me. 
On XX/XX/XXXX, I received an invoice from XXXX XXXX XXXX ( PayPal 's collection agency ) stating that I had a balance due of {$180.00}. When I followed up with PayPal on XX/XX/XXXX about this, I discovered this was the second fraudulent account under my name. PayPal, supposedly, will now close this account as fraudulent, too. 
PayPal will not or can not give me any information about when these accounts were opened. I do know that the email address used to open these accounts is not my actual email address. PayPal does not have record of my actual email address. Since email seems to be PayPal 's preferred ( perhaps only ) method of communication, I never knew about these accounts. 
I have asked PayPal to provide me a written confirmation of the actions they have taken, but their customer service representatives and a supervisor would not give me that information. The company is not taking my concerns seriously and believe that I should take appropriate actions under the law. It is very difficult to contact anyone with authority at PayPal. 
I was told that all a person needs to open a PayPal account is to provide an email address. Since I have a security alert on my credit reports, I know that PayPal does not seem to have tried to determine my credit rating. This is very poor business practice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-23 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: Statebridge Company
State: AZ

Complaint narrative:
I found that Statebridge Company reported a discharged debt as late on my credit report ( post discharge ). 

A discharged debt can NOT be late ever. So if a creditor reports a late for a date AFTER your bankruptcy FILING date, and certainly post-discharge, dispute it. A Discharge in a bankruptcy acts as permanent injunction against the attempts by those creditors listed on your petition from ever attempting to collect on those debts. This means that those discharged creditors can not call you, send you a statement, institute a lawsuit against you or continue a lawsuit that they had started prior to filing of your bankruptcy, cant try to collect on a pre-petition judgment they may have received by garnishing wages or levying bank accounts, and they also CAN NOT report negatively on your credit report. Civil action could be filed for the violation of the BK laws. 

To boot Statebridge Company refused to take my payments and refused to communicate with not one, but two law firms. I have a recorded call on XXXX XXXX ( provided to my attorney ) and attempted contact logs from two law firms reflecting Statebridge Companies refusal to communicate and or take payment. Ironically the payments that were reported as late were XXXX, XXXX, XXXX and XXXX of XXXX ( after my payment/s were refused and a complete lack of response/communication from Statebridge Company to either myself or my attorneys ). 

I did call XX/XX/XXXX @ XXXX requesting this concern be resolved. I was told XXXX XXXX or management would be returning my call the following day, I received no return call ( in typical fashion ). I can provide the recorded call if you would like. 

I'm assuming Statebridge Company would prefer not to deal with my attorney once again as my loan was PROMPTLY sold after Statebridge Company was forced to communicate and conduct business in a legal manner. 

XXXX XX/XX/XXXX @ XXXX I called Statebridge Company XXXX XXXX XXXX to their letter stating that they could not find my XXXX. First it is public information, second I am confidant when they purchased my loan my BK was included in the documents they received. I do not feel it is my responsibility to provide them with a copy of my BK ( which included that debit ) as they are the ones who broke the law by reporting the discharged debit as late. I will re file the complaint and include for the CFPB a copy of my discharge. 

*** During my attempt to resolve this illegal reporting I contacted several employees of Statebridge Company LLC via email. Ironically one former employee responded and suggested I file a complaint with the CFPB, and let me know Statebridge Company LLC is currently under investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Professional Adjustment Corp. of S.W. FL., Inc.
State: GA

Complaint narrative:
To describe what happened I'd like to start by explaining that the debts were originally owned by " XXXX XXXX XXXX XXXX '', " XXXX XXXX '', and " XXXX XXXX ''. I'm not sure when those debts were purchased by " Professional Adjustment Corporation '', but I also didn't receive notice rather I identified negative reporting connected to my sole proprietorship on my " XXXX '', " XXXX '', and " XXXX '' accounts. I was discriminated against by XXXX XXXX who I was told was assigned to my account. I reached out to the company via email on XX/XX/XXXX @ XX/XX/XXXXEST after our initial contact to create a level of understanding, but it felt from the way XXXX spoke to me during our second conversation that my wants and needs were disregarded specifically their role in our relationship. I contacted the company a second time and did inform them of the discrimination and that I will file legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: PA

Complaint narrative:
The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation