vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: State Collection Service, Inc.
State: CA

Complaint narrative:
I spoke with XXXX XXXX and last week, he is the manager of the XXXX XXXX at the XXXX XXXX XXXX WI, and XXXX XXXX XXXX WI, Today he told me that he could not find a file on me, I reminded him that I was in the middle of trying to purchase a home, but I couldn't move forward unless the two derogatory marks there company reported to XXXX  were removed, he instructed me to contact XXXX at State Collection Services. I spoke with XXXX, and I also sent him a copy of the 2 derogatory marks that are now in Collections on my XXXX  credit report, I also informed XXXX, that these derogatory marks were disputed before I could dispute them, I told XXXX that I wanted the derogatory marks removed from my credit reports, because I never utilized any of the services from there clients, I also informed him that I am in the middle of purchasing a home, and this error is stressing me out

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I initiated a dispute regarding incorrect items which were listed on my credit reports. It has been well over 30 and I have not received any response from the Credit Reporting Agencies.

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 2021-05-04 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: MD

Complaint narrative:
XX/XX/21 Filed a dispute with the credit bureau for an un-verified account with XXXX XXXX XXXX XXXX ( account number XXXX ). Sent a letter via mail. 
XX/XX/21 Filed a second dispute with the credit bureau for an unverified account with XXXX XXXX XXXX XXXX ( account number XXXX ). Sent a letter via mail. 

I have not received a response from the Bureau. I would like a response as soon as possible as it has been over 30 days and the un-verified continues to tarnish my credit worthiness. It is fraudulent and not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc.
State: FL

Complaint narrative:
I haven't been to the XXXX in years This is fraud

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rent Recovery Solutions
State: IL

Complaint narrative:
I am filing a complaint against rent recovery solutions. I have been fraudulently contacted by debt collection companies in the past for unsubstantiated debts, I've worked really hard to improve my credit and I now require full validation on all claims. I reached out Rent recovery over 2mths ago for validation I then sent another letter with a return confirmation. Attached is my validation letter I sent them back in XX/XX/2021 along with receipt for mailing the letter, confirmation that the received the letter. They have gone over 30days without response to my inquiries and validation. I request that this debt be removed from my records and reports. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: UT

Complaint narrative:
I attempted to cash my payroll check through Chime XXXX XXXX. The company apparently has no ability to view prior chats with different agents. XXXX # XXXX, XXXX assured me my check would be cleared within the day at XXXX. Email at XXXX XXXX  Says check rejected. XXXX # XXXX, XXXX, at XXXX XXXX claims my XXXX XXXX feature is turned off and that I need to go to a check cashing place and then deposit the cash into my account by paying a fee. Cue phonecall # XXXX. XXXX XXXX on the phone claims that they need my paystub to " verify my income '' and I send that over and he claims it may take over 2 days to respond to my email so I escalate the call to a supervisor " XXXX '' who then claims that the prior agent was wrong and they didn't need anything they just won't cash my check for me, they " reserve the right '' to not accept it. 

I sent over all my personal information on a paystub for them to " verify '' how do I know my identify is even safe now if different agents can just pick at will what they're able to request from me even.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: DE

Complaint narrative:
On XX/XX/XXXX my mother and I decided we would merge our cell phone accounts together. We called in and did this. We got everything changed and working and I asked the guy any outstanding bills for the number ending in XXXX after this he advised no. A little while goes by and I receive a bill in the mail for {$140.00}. I call XXXX and spoke to a representative and advised we were told no balance for me and she stated that she didn't see any notes on my account but because of the inconvenience she would cut the bill in half and I would then owe {$73.00} and to give it 24 to 48 hrs to show on the account and call back. So I called back 4 days later really upset cause not only did I receive another bill in the mail but this time it was 219.75 so instead of taking the {$73.00} off they added it sent it to collections and reported this information to all 3 credit bureaus. After repeated calls to XXXX I decided I was getting no where so I went and called the Collection agency and paid a settlement in the amount of {$160.00} to get rid of this and be done with it since nobody will help me and take responsibility so called the collection company to ask why this was still an open balance on my credit report XX/XX/XXXX and spoke to XXXX and she stated they didn't receive my payment but sent me a payment receipt XXXX bal. I paid more then what I was supposed to and now this. I am trying to purchase a house and this being reported to all 3 credit bureaus after stating it would not be is very upsetting. Even after all this I still have been trying to call XXXX and the collection companies all to get nowhere and completely disrespected and no help to resolve what so ever. I have never been talked to or treated in such a manor it was ridiculous. Nobody wanted to hear or acknowledge anything I tried to say. Like I was just lying trying to get out of a bill I was very offended. I still have XXXX for my cell phone and XXXX for cable and internet and I am seriously considering breaking my contract and moving elsewhere very disappointed.

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 2021-05-04 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: NY

Complaint narrative:
I am writing to delete the information in my file. The items i need deleted are listed in the report. I am a victim of Identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and i also have enclosed copies of the Federal Trade Commission 's Identity theft affidavit. I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house and a car to provide for me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 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: GA

Complaint narrative:
TRANSUNION IS IN VIOLATION UNDER THE FCRA

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 2021-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am the victim of a Brutal Criminal and STILL am. I, also, am the victim of Other Criminals. And know what I have just said is of extremely, extremely GREAT importance.

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 2021-05-05 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
I am being harrassed by a collection agency XXXX XXXX XXXX XXXX XXXX XXXX on behalf of a compounding pharmacy ( XXXX XXXX XXXX for bills that accrued during 2020. I was insured by not one but two insurance companies during the time of these bills, but rather than properly bill the insurance companies, they are pursuing {$10000.00} from me. 

From the time of the first bill until XX/XX/2020, I was covered by XXXX XXXX. From XX/XX/2020 through the date of the last bill, I was covered by XXXX. 

I have informed XXXX and TSI on numerous occasions of my coverage, with specifics, but to no avail. I even sent copies of the bills to both insurance companies on behalf of XXXX. However, the bills have not been paid and I am being told that I am responsible for these bills. 

I can not continue to do the jobs of these people, and I am not responsible for bills that should have been paid by these insurance companies. Can you please help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
The company, XXXX XXXX XXXX, purchased a debt from Ad XXXX after I was able to successfully dispute the account and had it removed because I am a victim of identity theft. The company changed the dollar amount the account number and added it back to my credit report, which are violations under the FCRA.I have contacted them on the following dates occasions XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and have not received a response to my debt validation letter requests, which I have a right to request Fair Credit Reporting Act, Section 609. This debt is not mine, I have not applied for and loans from Speedy Cash, the original debtor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
On XXXX XXXX XXXX XXXX  received a phone call informing me a transaction was attempted of {$720.00} on my Amazon XXXX Visa card XXXX XXXX OH and I should call Amazon Customer Service XXXX I called Chase bank  customer service which issued the card and Amazon Customer service, both stated that transaction was not evident on my account and recommended reporting it as fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My home equity line of credit with TIAA bank was recently handed over to XXXX for XXXX While still under TIAA, I was able to make payments online to both principal and interest any time I wanted. Now that XXXX has switched over to XXXX, I have only once been able to make a payment online. Every other time, I have had to call them, wait on hold for at least 20 minutes each time, and have often been given incorrect information about my ability to make a payment. 

Here 's the timeline : XX/XX/2021 - I received an email stating that my TIAA HELOC would be transferred to XXXX for XXXX XXXXXX/XX/2021 - received an email stating that I had a new loan number ( at this point i could still login and make payments on the old website ) XX/XX/2021 - I set up my new username and password on the new site and received an email stating that my registration was complete. However, I could not use the site to make a payment. I got an error stating that I had to call to make a payment. 

XX/XX/2021 - I got another email stating " Your mortgage servicing transfer is complete! '' - Still could not make a payment online XX/XX/2021 - I called to make a payment over the phone. Was transferred a bunch of times. Finally got to a person who said they could only take a {$10000.00} payment, which is what I did. She applied my interest-only payment of {$830.00} and the rest to the principal. 

XX/XX/2021 - I once again had to call to make a payment over the phone. They would only take a {$10000.00} payment. Even though I had just made a payment, they applied {$1000.00} to my interest-only payment and the rest to the principal. 

XX/XX/2021 - I tried to make a payment online. Got the same error message. I called and after 20 minutes of being on hold, the call was disconnected. I called back to make a payment and was transferred 3 more times. The reps are always friendly but it seems like anytime they get a call they don't like, they just transfer it back into the queue. I worked in a call center years ago so I know that's a thing they do. The 4th rep I got to was helpful and said that I could make a payment over {$10000.00} but he just needed to get supervisor approval, which he did. 

I'm not entirely sure my variable interest rate is being calculated properly but I haven't been able to work out the numbers just yet. 


XX/XX/2021 - I was finally able to make a payment online in the amount of {$17000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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:
There is one account on my Experian account and I have been disputing this account with a police report and FTC for 2 years and nothing has been done about it I need help because this is not my account I dont know how else to say this. 

XXXX  XXXX XXXX - Acct # XXXX Amt {$17000.00}

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 2021-05-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
This complaint is about Synchrony Bank. I have several accounts with this bank and they suddenly closed them all XX/XX/2021. Since that happened, they have taken me off of paperless statements and after that, they also made it where I can not sign into my account properly to make a payment. I get a message that there is a problem with my account and I should contact customer service. 

This is with happening with all accounts ( I had over 10 cards with them ) when I go in to pay. I have to pay as a guest and can not access my online statements, see transactions, check pay history, and other things that I previously had access to. I called to ask why I started getting paper bills and they stated that is their policy, yet I had paperless because I don't want all of that mail and bills coming to my house. I have not gotten a reasonable explanation about the status of my account access and why I can not use my username and password to log in. When you log in as a guest, you must have your full account number, so I always have to keep the credit cards nearby which makes no sense because none of these cards are valid any longer. I should be able to cut them up and throw them away. I am being mistreated constantly by this company and for no reason. It doesn't make sense to remove my full access to accounts that I am expected to pay each month. Also, I can not set up advance payments, which can cause me to forget and miss payments.

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 2021-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XX/XX/XXXX {$360.00} XX/XX/XXXX {$1800.00} XX/XX/XXXX {$360.00} XX/XX/XXXX {$8300.00} I have sent TransUnion 3 letters over the last 105 days asking them to send me the original application of these fraudulent accounts. They have yet to do so. 
They sent me 2 replys saying their investigation is complete with no proof.

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 2021-05-04 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: WA

Complaint narrative:
XXXX XXXX Bank is reporting a charged-off account to the credit bureaus that I was never a responsible party on. I was only an Authorized User and not responsible for the 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 explanation
Consumer complaint received 2021-05-04 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: WA

Complaint narrative:
XXXX XXXX Bank is reporting a charged-off account to the credit bureaus that I was never a responsible party on. I was only an Authorized User and not responsible for the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
After viewing my credit report, I am not happy to see credit inquiries that I did not recognized. My personal information was impacted by Equifax data breach, someone has access to my credit and its ruining it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
I received an email from a company called MSB Municipal Service Bureau out of XXXX Texas when I called the number they said they couldn't provide any information and they were connecting me to a licensed rep in Arizona. 
1. You don't need to be licensed in AZ to collect a debt.

I looked up the company and it says they are a scam every since my Banroptcy was discharged I've been getting emails and phone calls from this company never providing any information about the debt.

Company response to consumer: Closed with explanation