vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-26 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
My rights under the FDCPA have been violated. This Law states that The Fair Debt Collection Practices Act ( FDCPA ) is the main federal law that governs debt collection practices. The FDCPA prohibits debt collection companies from using abusive, unfair or deceptive practices to collect debts from you. This company is also in violate of HIPAA. 
Theses companies are in clear violation of this act : 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 XXXX XXXX XXXX XXXX XXXX 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 2022-10-26 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: CA

Complaint narrative:
See attached. 
According to the FCRA website, Willful FCRA violations : Legally speaking, a willful FCRA violation must have been committed knowingly and recklessly. Plaintiffs in these cases may receive actual or statutory damages ranging from {$100.00} to {$1000.00} per violation, in addition to punitive damages determined by the courts. According to 15 U.S. Code section 1681c-2, Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of aconsumer that theconsumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency ofappropriate proof of the identity of the consumer ; a copy of an identity theft report ; the identification of such information by the consumer ; and a statement by the consumer that the information is not information relating to any transaction by the consumer.

I have provided all four necessary documents over four business days ago and still these reporting agencies have failed to uphold my rights as a consumer by deleting these accounts. These consumer reporting agencies are violating my rights every day over the 4 business days they are given by the law to resolve this alleged identity theft. As of today they are violating my rights for 4 business days.

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 2022-10-26 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: CA

Complaint narrative:
See attached. 
According to the FCRA website, Willful FCRA violations : Legally speaking, a willful FCRA violation must have been committed knowingly and recklessly. Plaintiffs in these cases may receive actual or statutory damages ranging from {$100.00} to {$1000.00} per violation, in addition to punitive damages determined by the courts. According to 15 U.S. Code section 1681c-2, Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of aconsumer that theconsumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency ofappropriate proof of the identity of the consumer ; a copy of an identity theft report ; the identification of such information by the consumer ; and a statement by the consumer that the information is not information relating to any transaction by the consumer.

I have provided all four necessary documents over four business days ago and still these reporting agencies have failed to uphold my rights as a consumer by deleting these accounts. These consumer reporting agencies are violating my rights every day over the 4 business days they are given by the law to resolve this alleged identity theft. As of today they are violating my rights for 4 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
Called synchrony bank and they said '' unable to verify identity. '' I found out my social security number is being associated with someone else. They didn't try to help me. This happened on XX/XX/2022. My name is XXXX XXXX. I applied for sams club business Mastercard. This was my 4 denial with the same reason. The name of lady that used my social was XXXX. They told me that

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 2022-10-26 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: SC

Complaint narrative:
Creditor : XXXX XXXX XXXX  XXXX, Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX XXXX XXXX XXXX, Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX, Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), Account : XXXX Reason : Delete this unverified and inaccurate account

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 2022-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: FREEDOM FINANCIAL NETWORK
State: TX

Complaint narrative:
On XX/XX/XXXX XXXX XXXX from Freedom debt relief took my money after givingme false information. All the debt they claimed to be settling, was not mine. I've tried getting a refund but I have been hung upon, every time I ask to speak to a supervisor

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 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: OK

Complaint narrative:
I Sent Equifax all the required documentation pursuant15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
They have mailed me back XX/XX/XXXX and Stated They are not blocking information pursuant to section 605 of the FCRA, attached is the full publication of that section which is Statue 15 USC 1681c-2 ( c ) in the original Dispute I wrote a statment '' There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer. " That statment Alone take away any chance for any A ( c ) Authority to decline or rescind ( 1 ) In general A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Atlanticus Services Corporation
State: PA

Complaint narrative:
Receiving several calls from this collection agency or credit card company I called account services about these calls and they refused to take my informaton because I would not give personal information to them- Told them that i had a attorney representing me and the person on the other line refused to take the information

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: NH

Complaint narrative:
During the pandemic I decided to open up a XXXX account. I decided that I would use coinbase since it is was a publicly traded company and the largest in the industry. When I signed up for the account they offered a wallet to store my funds. I figured since I was using them to buy crypto it would only make sense for me to use there wallet for security reasons. Over the last 2 years I been buying crypto and moving the funds to my Coinbase wallet until just recently when I upgraded my new iphone. When I recently went into the wallet I noticed that the app had been updated and it was not allowing me to login like I used to. It was now asking for a 12 word phrase which I do not recall ever getting and that I needed to retrieve from my icloud backup. When I did that it give me a 12 letter password that I use for most of my logins for other things. However, Coinbase wallet said it was incorrect. When I contacted Customer Support they claim that they dont support the wallet and if I do not have the 12 letter phrase I would lose all the money in the wallet which I estimate is {$12000.00}. I don't understand how this is possible especially for the least sophisticated crypto user. It seems criminal to me that I can be out all this money because they updated their app or I updated my phone. I don't know which of the 2 reasons is true. Maybe both. I really need help with this I can not afford this money that I invested. When I went online it seems that many people have experienced this exact issue with coinbase wallet. Now peoples hard earned money is floating around in the crypto universe. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
on XX/XX/XXXX I applied for business checking account on bank of america website. They had a promotion. {$500.00} Business Checking Bonus with {$20000.00} Deposit. 

Account was opened on XX/XX/XXXX after I sent them extra documents they requested. 

Within a couple of weeks I deposited requested amount ( {$20000.00} ). However, they never gave me a promised bonus. 

I contacted Bank of america on XX/XX/XXXX. they had been transferring me between departments but could not give me any useful information. 

As a result of being hooked up on this promotion I only lost {$9.00}. 

I want them to fulfill their offer and credit my account with {$500.00}.

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 explanation
Consumer complaint received 2022-10-26 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: IL

Complaint narrative:
I hate this! I already spent a lot of months sending disputes and filing complaint but I don't see any results from my disputes. This is really hurting me and giving stress to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
First, I pay health insurance through my husband employer, and we have had XXXX XXXX as our primary insurance for over 20 years. What I understand about the process between the doctors office and the insurance is that there is a contracts between my provider, which is XXXX XXXX and Doctors facilities. In addition, I do have a secondary insurance through XXXX, which my provider is XXXX. I always make sure that after 20 years of problems to make sure the doctors office has all my insurance information, which includes the doctors office having a copy of both insurance cards. XXXX is my primary insurance. Im positive that is what I told XXXX XXXX billing. 
When I started to received bills from this office, I just threw them a way at first because I figured that this had to be a mistake and that they would eventually get everything straightened out on their end of things. Then I called the doctors office an asked what this was about. The employee was rude and disrespectful the whole time on the phone. The man whom I talked to in the billing department said that back when Covid was going on their employee who did the billing didnt come back to work, while I am thinking, I can not do anything about the doctors office procedures in billing. I literally can not produce invoices or file claims for a business of medicine to my insurance for payment because I dont know medical codes. 
Once I give the insurance information correctly to the billing office and because they have a contract with the insurance company, it now becomes a communication problem between the provider and the insurance company where I dont usually get involved. Knowing that the Doctors office has experience and good people who knows how to file claims to the insurance provider. If the doctors office make a mistake, usually filing XXXX first, when denied they turn around and file the claim with the other Insurance company, which always pays first. I have found out through XXXX XXXX and talking with XXXX XXXX on a chat call about this bill where she said that XXXX XXXX and XXXX  XXXX office had never even filed a claim. I also found out that the doctors office must file the claim within an agreed time frame which they give up to a year to file with special circumstances. Also, the Insurance company pays the agreed amount between the two business not just what the office charges. According to XXXX the contract states that the provider agrees to correctly submit the claim in the amount of time given and that the balance is not required from the patient because the doctors office did not file within the time allocated. Please look this up on XXXX website..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 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:
XXXX XXXX XXXX post Requested an hard inquiry on me credit report with transunion XXXX I investigate my report on XX/XX/2022. The date the hard inquiry was reported was on XX/XX/2022. This was never establish through me because first I was in process or preparing with filing XXXX XXXX XXXX and second I already had credit through them and had to get place in XXXX The date I filed XXXX was XX/XX/2022.

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 2022-10-26 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: VA

Complaint narrative:
XXXX XXXX XXXXXXXX post Requested an hard inquiry on me credit report with XXXX XXXX I investigate my report on XX/XX/2022. The date the hard inquiry was reported was on XX/XX/2022. This was never establish through me because first I was in process or preparing with filing XXXX XXXX XXXX and second I already had credit through them and had to get place in XXXX The date I filed bankruptcy was XX/XX/2022.

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 2022-10-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I hate this! I already spent a lot of months sending disputes and filing complaint but I don't see any results from my disputes. This is really hurting me and giving stress to 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 non-monetary relief
Consumer complaint received 2022-10-26 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:
I want an investigation with XXXX XXXX as their seems to be an hard inquiry on me credit report with transunion. I investigate my report on XX/XX/2022 through TransUnion. The date the hard inquiry was reported was on XX/XX/2022. This was never establish through me because I was in process or preparing with filing XXXX  XXXX bankruptcy. The date I filed bankruptcy was XX/XX/2022. 
I already had an account which was included into the bankruptcy so I never tried to reestablish credit with them after or during my filing process.

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 2022-10-26 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: VA

Complaint narrative:
I want an investigation with XXXX XXXX as their seems to be an hard inquiry on me credit report with XXXX. I investigate my report on XX/XX/2022 through XXXX. The date the hard inquiry was reported was on XX/XX/2022. This was never establish through me because I was in process or preparing with filing XXXX  XXXX bankruptcy. The date I filed bankruptcy was XX/XX/2022. 
I already had an account which was included into the bankruptcy so I never tried to reestablish credit with them after or during my filing process.

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 2022-10-26 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian is alleging that more information is needed by them, a private company, than is required by the law that regulates fraudulent activity on consumer reports. As the consumer I have alleged that my rights have been violated and that I am a victim of identify theft. I have provided all four necessary documents to assert this claim by the law. According to 15 U.S. Code section 1681c-2, Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of aconsumer that theconsumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency ofappropriate proof of the identity of the consumer ; a copy of an identity theft report ; the identification of such information by the consumer ; and a statement by the consumer that the information is not information relating to any transaction by the consumer. 

Experian is claiming I need more for their private company to assert my rights as a consumer than what is required by consumer law. This is a clear violation of my 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 2022-10-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: SC

Complaint narrative:
FedLoan Servicing completed my PSLF review. I had consolidated my loans in XXXX. 

FedLoan Servicing discharged my loan for XXXX payments made to XXXX XXXX from XXXX. 

However, Fedloan Servicing did not count any payments made from XXXX XXXX to a prior servicer. I have been continuously employed by the XXXX XXXX  since XXXX. 

I believe I am entitled to have these payments counted and to be refunded payments over XXXX.

Company response to consumer: Closed with explanation