vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX was in violation of the FCRA and did not have permissible permission to access my credit in XXXX. XXXX  XXXX XXXX XXXX has denied the subsequent fraudulent loan after credit was pulled but can not deny Permissible Permission. It was all fraudulent and XXXX XXXX XXXX XXXX is a fraudulent company! XXXX XXXXXXXX XXXX XXXX has denied over 100 requests for the valid permissible permission by labeling all requests and complaints as duplicates as again today XX/XX/XXXX. I will stop the complaints when I receive valid Permissible Permission used for the loan.

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 2021-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX was in violation of the FCRA and did not have permissible permission to access my credit in XXXX. XXXX XXXXXXXX XXXX XXXX has denied the subsequent fraudulent loan after credit was pulled but can not deny Permissible Permission. It was all fraudulent and XXXX XXXX XXXX XXXX is a fraudulent company! XXXX  XXXX XXXX XXXX has denied over 100 requests for the valid permissible permission by labeling all requests and complaints as duplicates as again today XX/XX/XXXX. I will stop the complaints when I receive valid Permissible Permission used for the loan.

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 2021-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: ME

Complaint narrative:
On XX/XX/XXXX2020 a payment of XXXX was charged to my cash app for a puppy and shipping of which i never received. I immediately contacted the seller to request my money back and received no response. I contacted cash app support via email and explained the situation that same night cash app support remotely set up a false XXXX XXXX bank account and retrieved another XXXX from my legit bank account. I contacted my bank and canceled my debit card and stopped all payments from cash app moving forward. For the past two months Ive been trying to get my month back from them Ive even filed a dispute with my bank and cash app has refused to respond. However Ive been in constant contact via cash app support which is a complete joke of customer service because all they do is send generic emails saying theyll open a claim i respond with the necessary information then i get an email from a totally different member of cashapp support. Every email comes from a different member and their end verdict is always they understand that its fraud however theyre not gon na give me my money back they told me to contact the seller which I have multiple times and have received no response they can see that at their end but they dont want to give me my money back theyve also told me that the seller didnt complete the necessary steps to except my money yet its proven by my bank to have been taken out of my account the false XXXX XXXX bank account that they set up and again fraudulently stole another {$120.00} from me they tell me theyll open a case I provide the information then another person from cash app support emails me and asked me to provide the information yet again when I tell them that I already provided it and they need to look back in their records then they close the case on me Ive gotten nothing but the runaround from cash app theyve stolen {$1000.00} for me acknowledge it to be fraudulent and yet tell me that theres nothing that they can do about it essentially because theyre the ones who stole my money. This is completely unethical and far customer service its fraud and i want my money back. I have every email thread since XX/XX/XXXX20 cash app has done nothing but dig themselves a hole. Ive already filed a claim with XXXX  who told me to escalate it to the federal trade Commissioner and you guys. I honestly just want my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: RI

Complaint narrative:
The taxes on my property were not paid by the mortgage company for several quarters beginning in XX/XX/ 2020, as a result, my account became delinquent and penalties were added. I contact the mortgage company Lakeview Loan Servicing, and spoke to Ms. XXXX and was directed to email her at XXXX. Afterwards I was directed to contact XXXX and start a complaint process. Over the course of the next 8 months I contacted thirdparty on numerous occasions and never heard back. In XX/XX/2020 I refinanced the property, at which time I explained the issue to my closing attorney. He sent out a certified letter requesting a response from the company, at which time they did not respond to his request. I pay my mortgage on time every time, and have never been past due. I don't understand why my taxes weren't paid and allowed them to be delinquent. In addition, their lack of professionalism has left me with no other choice but to file a formal complaint.

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 2021-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The following accounts are fraudulent. Please delete them XXXX XXXX XXXX / XXXX XXXX XXXX XXXX {$1000.00} XXXX / XXXX XXXX XXXX XXXX {$3500.00} act : XXXX XXXX / XXXX XXXX XXXX XXXX {$180.00} act : 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 2021-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: STATE FARM BANK, FSB
State: MS

Complaint narrative:
Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I Have been a victim of Identity Theft for a few years now. XXXX XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

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 2021-01-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Io, Inc.
State: PA

Complaint narrative:
I Settled these Medical Collections a long time ago. They are still reporting as a paid collection and unpaid collection on my credit. This is in flagrant violation of NCAP and qualifies this account as misrepresented. I have disputed the account before and they continue to report it! PLEASE HELP ME!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
SYNCB/AMEAGL Account # : XXXX Called into Syncb today, XX/XX/2021 around XXXX and spoke with XXXX XXXX customer services at XXXX. XXXX was great, he isn't the issue. 

The issue here is the above account is still being reported even though its past its 7 years on the bureaus. Furthermore, XXXX was not able to find an existing account with the above info, nor was he able to find the account with my SS number. So, I ask why still report this info? Its current! It not late. There is no money being owed. 

Please simply delete this information via XXXX and XXXX  through your online portal. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
I am submitting a complaint against Chex Systems , Inc., regarding their investigation into a dispute I have opened regarding XXXX XXXX XXXX XXXX. I am attaching to my complaint my notice to Chex Systems under Section 609 FCRA. I am a consumer under the FCRA and XXXX XXXX is a Credit Reporting Agency under the FCRA. I am also attaching a copy of XXXX XXXX response to the CFPB which admits to the violations of XXXX XXXX under Section 609 FCRA. Additionally I am attaching a notice of intent to sue and an opinion of a lawsuit filed by the FTC against XXXX for similar violations of the FCRA. Pursuant to Section 609 FCRA companies ( XXXX XXXX ) is required to provide application and business transaction records regarding alleged fraudulent transactions to the consumer in a timely manner. This means that XXXX XXXX  is required to ensure that the entity reporting the information ( XXXX XXXX XXXX XXXX ) has supplied the above information to the consumer. XXXX XXXX can not as a matter of practice simply rely upon the creditor to verify the information as accurate or they become equally liable. XXXX XXXX response to the CFPB admits that they have failed to investigate the matter properly because XXXX XXXX only states that XXXX XXXX XXXX XXXX verified the information as accurate high does not comply with Section 609 FCRA.

Section 609 FCRA requires certain record to be provided to consumers and in XXXX XXXX response to the CFPB they do not state the documents were provided by XXXX XXXX XXXX XXXX to the consumer. While it is not XXXX XXXX responsibility to provide the required documents under Section 609 FCRA, it is XXXX XXXX  responsibility to investigate if the credit reporting entity did in fact provide the required documents under Section 609 FCRA. 

The response from XXXX XXXX clearly is replete with this information and as part of my complaint against XXXX XXXX I am stating that XXXX XXXX XXXX XXXX has continued to fail to provide the required documents under Section 609 FCRA. As such since more than 30 days have elapsed the derogatory item must be deleted based upon the failure of XXXX XXXX XXXX XXXX to provide this information to me since I did not open account with them.

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 2021-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Mobiloans, LLC
State: KY

Complaint narrative:
At XXXX XXXX. ET on XX/XX/2021 i received a call from XXXX XXXX XXXX XXXX. Stated he was from Mobil Loans and said I owe $ XXXX and we could take care of that with a debit card today. I informed him we filed bankruptcy last XXXX. He asked if they had been included and I told him yes. He said " let me look at our other system '' and then said yes, he saw that it was filed. Then he asked if it had been discharged and I told him not yet. 

On XX/XX/2021 at XXXX p.m. ET I received a call from the same number. Stated his name was XXXX from Mobil Loans and my balance is $ XXXX and I told him we filed. He then stated he was just following up where i said i had filed the bankruptcy. I told him yes we had filed and not to call me again or I would report them and I hung up. 

I have the call records saved to my phone. I was a collector for two years and I know when someone said they filed bankruptcy, regardless of whether they provided their attorney info, case number or not, it was " cease and desist '' and we stopped calling immediately. 

Why did they even call the first time when their " other system '' shows we had filed, and they had obviously been notified by my attorney or the court? I feel harassed!!!

Company response to consumer: Untimely response
Consumer complaint received 2021-01-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WAKEFIELD & ASSOCIATES, INC.
State: TX

Complaint narrative:
I am not aware of this debt nor do I believe I owe this debt. I disputed this with the credit bureaus and they refuse to remove this from my credit report, The company failed to provide debt validation for this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My phone is XXXX ( carrier is XXXX  ) However this phone # has somehow become ( incorrectly ) associated with a gentleman named XXXX XXXX XXXX, XXXX or XXXX XXXX XXXX, ( it may also be associated with XXXX XXXX XXXX, XXXX, his son ). 

XXXX XXXX XXXX, XXXX 's phone # is XXXX XXXX XXXX XXXX. I have spoken to him and he says that my number should NOT be associated with him. 

After much effort, I found my number linked to Mr XXXX on the website XXXX XXXX @ XXXX XXXX XXXX I contacted XXXX XXXX @ XXXX XXXX XXXX ( XXXX ) and was told they receive their public records information from TransUnion. 

Repeated efforts to reach someone at TransUnion have failed and I have left them numerous messages but have heard nothing. 

I want ALL credit reporting agencies - TransUnion, XXXX, XXXX, XXXX, etc. to remove my phone # from being linked to anyones records other than my own.

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 2021-01-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Netspend Corporation
State: FL

Complaint narrative:
Net spend all-access sent a credit card in my name and I didnt request. Tried to call and was told number is out of my service area. Which means not only did they send me a card in my name but they also have no way to contact other than web and who knows where that will lead.

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 2021-01-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: GA

Complaint narrative:
My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: ID

Complaint narrative:
My account with Barclays was charged off and I was trying to pay it so I could close the account. I initially called in XX/XX/2020 and was told the bill was sent to collections and they no longer had it " in house ''. They said my account was sent to XXXX collections. I then called XXXX on XXXX to try and pay the account, she said they had no record of it. I then called Barclay 's back on XXXX and tried to explain the situation and that I really just wanted to pay my bill, I was again told that she could not find my account " in house '' and that it had been sent to XXXX. I was told that someone from Barclay 's would contact me within 7 days-that never happened. 
On XXXX I had a conference call with Barclay 's and XXXX because after multiple calls no one at Barclays would give me my balance or seem to know where my account was. Barclays confirmed I had a past due amount of {$1800.00} that was verified by XXXX. I overnighted a check for {$1800.00}, which was cashed on XXXX. I then called to get a satisfaction of debt letter from Barclays and was told I still owed XXXX. I asked if they could charge off the small amount because I was told by XXXX on XXXX that I owed {$1800.00}. They said no. I then sent them a check for XXXX that they received on XXXX verified by the USPS. I called XXXX on XXXX and XXXX and no one there can find the check for XXXX even though it was certified, nor will they write off the XXXX cents. I asked them to please obtain the recorded conference call from XXXX and was told they would work on it but it could take some time. I asked them to please send me a satisfaction of debt letter and was told they could not as long as I still owed XXXX cents and when I tried to explain I paid it and they signed for receipt of it, I was told I would have to track the check through my bank. Please help me, I don't know what else I can do to get the debt paid and satisfied. I feel like I am being bullied and my account held hostage over XXXX cents I do not have a recent statement, so I will enclose an old one for informational purposes.

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 2021-01-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Richland Bureau of Credits Medical Service Bureau Inc.
State: OH

Complaint narrative:
I have disputed this debt that isnt mine multiple times. RBC only adds a remark that Im disputing this debt. I have asked them to send me a letter as to what this item is and they have refused. I spoke with a rude representative named XXXX and also spoke with another lady who advised me that they wont send me any letters validating this debt since I refuse to pay. I cant and am not paying for something that isnt mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
On XX/XX/2020, I contacted the three major bureaus concerning Chapter XXXX Bankruptcy reported on my credit report. The Bureau sent me a letter, stating that they received the information from the United States Bankruptcy Court, District of Nevada, yet I received a letters from the Bankruptcy Court that they did not send any information to the Three Major Bureaus, therefore they are reporting incorrect information ( see attach ) Also they stated that they received the information from XXXX XXXX, yet I contacted XXXX XXXX and was told that my account was frozen ( see attach ). Therefore when I requested proof to the accuracy of the bankruptcy, the bureau could not provide me that information, and it's been well over the allotted 30 days that the bureau has to validate ( no verified ), according to the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and are in violation of several of the General Rights and Obligations of NRS, including NRS 598 C. 130, NRS 598C, 160NRS 598C. 170, NRS 598C 190 and NRS 598C.200.

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