vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-11 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
BANK OF AMERICA - This is not my account. Someone stole my identity and opened many accts under my name without my permission or authority. Please verify all information is truly mine, correct and accurate. Please remove.

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 2021-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I sent Synchrony Bank ( PayPal ) a Debt Validation Letter on XX/XX/XXXX. I did not receive any communication from Synchrony Bank ( PayPal ) confirming my alleged debt of " {$4600.00}. Nor did I receive notice of right to dispute from Synchrony Bank ( PayPal ). 

I sent Synchrony Bank ( PayPal ) a Cease and Desist Letter on XX/XX/XXXX. I did not receive any communication from Synchrony Bank ( PayPal ) confirming my Cease and Desist Letter. Since then, Synchrony Bank ( PayPal ) has harassed me through excessive communication tactics after I've told them to stop contacting me. The dates of the harassment are as followed ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and the comments of each communication uses the words an attempt to collect debt that is a violation of USC Code 1692b ( 5 ) and USC 1692e ( 11 ). In addition, I was sent a letter via post card by Synchrony Bank ( PayPal ) with the words an attempt to collect debt, after the cease and desist letter was sent. This is a violation of USC Code 1692b ( 4 ) and USC Code 1692f ( 7 ). Synchrony Bank ( PayPal ) has communicated to me by post card after the cease and desist letter, that is a violation of 15 USC 1692b. These excessive and harassing communications after I sent a cease and desist letter on XX/XX/XXXX is a violation of USC Code 1692e.

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 2021-06-11 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: NRA Group, LLC
State: NY

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

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 2021-06-11 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: EQUIFAX, INC.
State: MD

Complaint narrative:
According to the Federal Trade Commission, it is a federal offense for a credit reporting service to report information to my credit profile without my consent. Equifax credit reporting bureau has consistently violated these mandates and ignored my responses to reinvestigate and remove the alleged and inaccurate information they are reporting Federal law requires a response within 30 days. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ).

These actions constitute as unfair practices according to FTC 15 usc 1692A, by this organization which makes them civilly and criminally liable for their violations according to the FTC 15 usc 1611b. This organization has failed to comply and is in violation of 15 usc 1692 j ( a ) for furnishing deceptive forms, which again is unlawful. According to FTC 15 usc 1692j ( b ) this organization can be and is liable the same as the debt collector for failing to comply. This organization has failed to VALIDATE this alleged account, and instead have previously provided me with verification. My personal information such as my name and address are public records. A billing statement is also not VALIDATION. Equifax has not provided me with proper accurate validation from the debt collector nor of how they VALIDATED this account, or any information that would prove that i owe this alleged debt.

FCRA Act Section 611, gives me the right to request an explanation of the validation method used by the CRA. in which I request a copy under the FACTA act, SEC 312 ( b ) and ( c ).

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. 

I will exercise my rights under FRCA, Section 616, and pursue legal action if this account is not removed from my credit profile immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 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: Stuart-Lippman and Associates, Inc
State: NY

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 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: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 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 XXXX XXXX. I am a victim of Identity theft. I have enclosed a notarized Identity theft Affidavit proving it is in Fact me that submitted this report I did not authorize these inquiry requests and I did not make these charges mentioned with the list. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information on my consumer report. Failure to comply is a violation of my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Aura Mortgage Advisors LLC
State: MD

Complaint narrative:
XXXX XXXX XXXX formerly known as XXXX XXXX XXXX ( XXXX  ), among other names. They were suppose to be helping me from being foreclosure on, by buying my home and selling it back to me. But this was all a scam in the name of XXXX XXXX XXXX, which I had never heard of and wasn't told about. I'm XXXX years old and this is the worse predatory lending scheme that I have ever seen. Nevertheless, they brought my home, that I've lived in all my life and sold it back to me at a rate of 6.375 %. I was told that I could refinance later for a better rate. Well, a few months ago, I attempted to refinance to get a lower rate. But to my surprise I found out that I had to pay XXXX XXXX XXXX $ XXXX in order to refinance my home. They had also put a lien on my property that I wasn't even aware of. I was being held hostage. The longer I stay with them, the more I'll have to pay. They were stealing the equity in my home and I didn't even know it. I have enclosed a copy of my Notice of change Circumstances from XXXX XXXX XXXX, the company that I refinance with. Please help put a stop to this type of Mortgage lending greed by XXXX XXXX XXXX aka XXXX XXXX XXXX, the wolves in sheep clothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 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: All State Credit Bureau, Inc.
State: MI

Complaint narrative:
Hi, I don't recognize this company. I don't recall ever entering into a contract with this company. Judging by the name, it appears to be some debt from me being XXXX  against my on free will.if this is the case, I have been incarcerated since XXXX of XXXX, so if there was any notification of debt owed, I never received it. I was released on XXXX, XXXX, XXXX. So, I disputed this debt, and I said that my address had changed, and they still would not remove this debt off of my credit report. I never had a chance to disagree or dispute the amount that is alleged that I owe. I was XXXX  for 4 years and 9 months, so if I owed any debt for being XXXX, my time XXXX  should cover it. But, I know I never entered into any contract saying that I would repay someone for being incarcerated against my free will. So, please have them to remove this debt, I was never notified of it ... thank you, very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 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: NY

Complaint narrative:
Multiple Collection Accounts that I do not recognize are reporting on my report that are not mine

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 2021-06-11 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:
Multiple Collection Accounts that I do not recognize are reporting on my report that are not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: DC

Complaint narrative:
In late XXXX, I tried logging onto my Ally Bank account to retrieve a financial statement. After trying an old password twice, my account was blocked. I attempted to reset my password through the 2-factor authentication, but the code never came to the mobile phone tied to the account, despite multiple attempts. 

Im currently abroad and called Allys customer service number long distance and was on hold for 20+ minutes while being charged XXXX} per minute before I finally spoke to someone who was supposed to resolve the problem. Midway through, the call cutout and my issue was not resolved. Instead of going through the expensive process of calling Ally again to address their own issue of not texting me the code to reset my password, I reached out via direct message to their customer XXXX account, XXXX XXXX, on XX/XX/XXXX explaining the situation. They told me to call again ( which I explained was too expensive for me to do ) or use the chat featurewhich you can only do when youre signed into your account ( reminder, Im locked out of my account ). 

On XX/XX/XXXX, XXXX XXXXXXXX on XXXX asked for my name and phone number so someone could get in touch. I supplied that information on XX/XX/XXXX. They acknowledged receipt and told me someone would reach out shortly. On XX/XX/XXXX, I reached back out to XXXX XXXXXXXX to let them know no one had gotten in touch with me. They then asked if I could provide the phone number associated with my account because they could not identify it based on the information I gave them ( this seems like something they should have reached out to me about, instead of me having to follow up for a response ). I provided them with this information on Sunday, XX/XX/XXXX. On Monday, XX/XX/XXXX they again said they would pass this information on to a team member who would reach out soon. Also, on Monday XX/XX/XXXX, I replied and pressed them on when someone would reach out and how, reminding them that theyd told me someone would reach out before and no one did. I also reminded them that I was abroad and time zones were different, so we needed to set up a time and make sure they were calling the right number. I was then told ( still on Monday ) that someone would reach out within 24 hours without further clarification. I asked how the representative would contact me on Tuesday, XX/XX/XXXX and no one responded. On Wednesday, XX/XX/XXXX I reached back out via direct message and a public tweet since no one ever got in touch with me and received no response from XXXX XXXX. Today, it is XX/XX/XXXX and I have sent multiple private DMs and public tweets to the account with no response. I am still locked out of my account and have reached out via multiple channels to Ally to resolve my issue, to no avail.

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 2021-06-11 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: CA

Complaint narrative:
I'm writing this complaint on XXXX, Transunion, XXXX and XXXX XXXX, I have spoke the Bankruptcy courts and they have stated that they do not provide information to any of the credit reporting agencies meaning there shouldn't be anything on my credit reports, they have also stated the these uninterested 3rd parties such as XXXX  Transunion XXXX  and XXXX XXXX  access the courts data base through a public access portal called XXXX  to REVIEW information they did not say to REPORT information, since the courts are not responsible for the misuse of any information gathered as the consumer of the United States Corporation in going to take matter into my own hands. This is where the violations come into play. These uninterested 3rd parties I have mentioned are in violation of 15 USC 1681 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the CONSUMERS RIGHT TO PRIVACY. Nobody asked these reporting agencies to report anything they went out of their way to harm my reputation. 
They are also in violation of 15 USC 1681a ( d ) ( 2 ) ( B ) the term consumer report does not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. 
Every account that was included in the bankruptcy was an authorization of an approval of an extension of credit indirectly from my credit card. 
There is no need to validate this, I know im the original creditor I can only validate.

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 2021-06-11 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: CA

Complaint narrative:
I'm writing this complaint on Experian, XXXX, XXXX  and XXXX XXXX, I have spoke the Bankruptcy courts and they have stated that they do not provide information to any of the credit reporting agencies meaning there shouldn't be anything on my credit reports, they have also stated the these uninterested 3rd parties such as Experian XXXX  XXXX  and XXXX XXXX  access the courts data base through a public access portal called XXXX  to REVIEW information they did not say to REPORT information, since the courts are not responsible for the misuse of any information gathered as the consumer of the United States Corporation in going to take matter into my own hands. This is where the violations come into play. These uninterested 3rd parties I have mentioned are in violation of 15 USC 1681 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the CONSUMERS RIGHT TO PRIVACY. Nobody asked these reporting agencies to report anything they went out of their way to harm my reputation. 
They are also in violation of 15 USC 1681a ( d ) ( 2 ) ( B ) the term consumer report does not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. 
Every account that was included in the bankruptcy was an authorization of an approval of an extension of credit indirectly from my credit card. 
There is no need to validate this, I know im the original creditor I can only validate.

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 2021-06-11 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have a car loan with my husband of 50 years we have a income of {XXXX not including our rental income from our renter. Equifax deceased my credit score by XXXX points just because my HUSBAND of 50 years filed BK in XXXX  ..again our income is XXXX per year or more.they also have my birth date incorrect. 
They state that my credit score decease because my credit utilization rate is 160 % of my available credit I no not have that much credit. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
During the coronavirus pandemic I was told by XXXX acct XXXX that my account would be protected through the pandemic due to my loss of job related to coronavirus pandemic ... I was reported late to EXPERIAN XX/XX/2020 ... I was told my account was protected from getting late marks due to the circumstances of my job because of the pandemic.. I am requesting the late payment XXXX be EARSED ...

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 2021-06-11 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent a dispute letter for an account on my credit dated for XXXX, reporting inaccurate information and not following the guidelines this account is showing a past due balance on a collection account it my understanding that anything being reported has to be correct you can not owe on a collection account no one has responded to my request about this matter i would like this account removed 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 2021-06-11 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent a dispute letter for an account on my credit dated for XX/XX/2021 reporting inaccurate information and not following the guidelines this account is showing a past due balance on a collection account it my understanding that anything being reported has to be correct you can not owe on a collection account no one has responded to my request about this matter i would like this account removed immediately

Company response to consumer: Closed with explanation