vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: U.S. BANCORP
State: CA

Complaint narrative:
US Bank is still calling me several times a day. I have filed bankruptcy and my lawyer said I do not have to talk to them at all. They call and send letters

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 2021-10-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: FL

Complaint narrative:
XX/XX/2021 a letter was sent from Helvey & Associates , Inc, saying that an account had been placed with them for collection. 

A letter was sent to them disputing the account. 

A response from the alleged creditor was then received on XX/XX/2021 in which alleged creditor stated they had " completed a reasonable investigation of the dispute and found no evidence of an error or inaccurate information. '' However, alleged creditor failed to provide any proof of said investigation or disclose how the investigation was done. 

They then sent a letter dated XX/XX/2021 in regards to the alleged debt again saying if it wasnt paid in full, then they would report it to national credit bureaus. 

Another letter was sent certified return receipt mail XX/XX/XXXX to alleged creditor requiring them to provide an actual accounting of the debt ( ie validation ), verification of their claim against me in the form of a sworn affidavit or a hand signed invoice in accordance with the UCC, a copy of the contract signed by both parties, and a true and certified copy of the original agreement.

None of this was ever sent by alleged creditor.

Two more follow up letters stating the same were sent by certified return receipt mail on XX/XX/XXXX and then again on XX/XX/XXXX of 2021. 

Alleged credit did respond on XX/XX/XXXX stating that they had already verified the alleged debt, which they had not, and that they would not being doing it again. 

Helvey and Associates did report this collection to XXXX, XXXX, and XXXX. 

However, after disputing the alleged debt with those above name companies, XXXX and XXXX removed said collection account. Only XXXX refused to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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: IL

Complaint narrative:
These credit inquiries that are on may report have been placed on a police report, but the credit bureaus still fail to remove them from my credit report. 
XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I verified with the courts that they do not verify my bankruptcy with the credit bureau. I sent a certified letter to the credit bureau requesting that it be removed and they have refused to remove it. I provided documentation from the courts stating they do not verify with anyone. This is a violation of FCRA and is hurting me from obtaining loans or renting an apartment.

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 2021-10-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: NC

Complaint narrative:
Account Name RADIUS GLOBAL SOLUTIONS Account Number XXXX Date Opened XX/XX/XXXX  Balance {$340.00} Futhermore, I am in the state of NC and they can not legally collect in my state for a date that I did not owe for this company. NC is three years of statuatory limitation. Theyre also reporting inaccurate information on my profile with inconsistent data on my payment history with XXXX showing ND but XXXX, XXXX, XXXX, XXXX and XXXX all have C ( Collections ). Its my understanding is that the Metro 2 Format is the industry standard for reporting, complete, and timely information and that " The data should be reported to the specified definitions in order to process credit information correctly. 

Collections is not from original creditor. I do not owe Radius Global Solutions- ( account # XXXX ) {$340.00}. I never heard of Radius Global Solutions and I never did a contract 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 2021-10-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc
State: ID

Complaint narrative:
Someone opened a fraudulent account in my name at Chime Bank. 
I tried to call their customer service line to inform them on XXXX XXXX. 
There is no human being who answers any of the options given for the " customer service '' line. 
There is no option to report fraud on the customer service line. 
The only option is to email the bank and inform them. 
I emailed them to cancel any and all accounts in my name on XXXX XXXX. 
They replied to the email and asked for personal information to be emailed back to them. I find this to be monumentally irresponsible to solicit personal information -- especially given that my information was stolen recently -- to be sent via email. 
I asked that they give me a phone number to call so I can provide that information. 
I have had no response from this bank so far.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: VA

Complaint narrative:
this debt don't belong to me XXXX have other people name on my credit report.

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 2021-10-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: UT

Complaint narrative:
We contacted AmeriSave in XXXX about refinancing our 1st and 2nd mortgages. We informed them that we had filed a Chapter XXXX bankruptcy and were nearing the end of our 3 year term. Our loan originator, XXXX XXXX, told us that we would need to wait until we received the discharge from the bankruptcy court before she could proceed with the FHA loan application. We received the discharge XX/XX/XXXX and were notified on XX/XX/XXXX, at which time we paid the {$500.00} application fee and proceeded with the loan. At that time, our application was then forwarded to the Sr Processor, XXXX XXXX. We encountered several preventable delays, i.e., the title search took two weeks and when I asked XXXX XXXX the reason for the delay, she informed me that AmeriSave generally gives the title company 10 days to complete the title search. After 12 days ( XX/XX/XXXX ) I contacted the title company directly and was informed that they had not even begun the title search because they could not find the property. I immediately gave them the parcel number and the property description and they were able to complete the title search ( XX/XX/XXXX ). We became increasingly frustrated with XXXX and complained to her supervisor, XXXX XXXX. XX/XX/XXXX XXXX XXXX told us that the underwriter would not accept the loan payment history that was provided by the mortgage company so we provided XXXX XXXX with monthly statements. It was also then that we were first notified that we needed to get a letter from the bankruptcy court giving us permission to enter into the loan. We contacted the bankruptcy court and were informed that the case was closed. Because of AmeriSaves inactions, we have now been placed in a situation where we are unable to get any kind of financing for 12 months. Any company that engages in FHA mortgages should have known the requirements, i.e., we should have been allowed to begin the process prior to being discharged, and we should have been told about FHA requirements in the beginning.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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: NJ

Complaint narrative:
on XX/XX/2019, my XXXX  XXXX  XXXX  XXXX, was placed in collection with XXXX XXXX XXXX. XXXX made me a settlement offer that was unacceptable. I offered a settlement of {$750.00}. ( check # XXXX for {$500.00} and check # XXXX for {$250.00} ) in the memo field of both checks, a notation, " PAID IN FULL " was written. 
this debt is still reflected as open on my credit report.

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 2021-10-19 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
on XX/XX/2019, my XXXX  credit card XXXX, was placed in collection with XXXX XXXX XXXX. XXXX made me a settlement offer that was unacceptable. I offered a settlement of {$750.00}. ( check # XXXX for {$500.00} and check # XXXX for {$250.00} ) in the memo field of both checks, a notation, " PAID IN FULL " was written. 
this debt is still reflected as open on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
on XX/XX/2019, my XXXX  credit card XXXX, was placed in collection with XXXX XXXX XXXX. XXXX made me a settlement offer that was unacceptable. I offered a settlement of {$750.00}. ( check # XXXX for {$500.00} and check # XXXX for {$250.00} ) in the memo field of both checks, a notation, " PAID IN FULL " was written. 
this debt is still reflected as open on my credit report.

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 2021-10-19 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: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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: IL

Complaint narrative:
OPENED XX/XX/XXXX  {$1200.00} Collection agency ( XXXX ) I've reached out to the companies TransUnion, XXXX, and XXXX XXXX XXXX. I've also reached out to XXXX XXXX XXXX regarding the misunderstanding of this account. I've never had XXXX XXXX XXXX. Also I reached out to Transunion, XXXX and XXXX stating that It is illegal to sell an account to a collection agency but they still Went forth what the XXXX selling the account to the agency.

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 2021-10-19 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: IL

Complaint narrative:
OPENED XX/XX/2021 {$1200.00} Collection agency ( XXXX ) I've reached out to the companies XXXX, XXXX, and Experian XXXX XXXX. I've also reached out to XXXX XXXX XXXX regarding the misunderstanding of this account. I've never had XXXX XXXX XXXX. Also I reached out to XXXX, Experian and XXXX stating that It is illegal to sell an account to a collection agency but they still Went forth what the XXXX selling the account to the agency.

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 2021-10-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
The reason for my dispute is because Portfolio Recovery Associates is in violation of my rights under section 809 ( b ) of the FCDPA for providing invalid documents with erroneous information to proof validation of debt this is why : On the alleged original creditor statement dated XX/XX/XXXXXXXX  shows a {$0.00} ( XXXX  balance ) because the prior month XX/XX/XXXX the amount of {$2.00} XXXX was charge off according to the statement. An electronic file provided by PRA allegedly states that this account was sold to PRA for the amount of {$2600.00} ( the amount is different from the last statement amount ) On XX/XX/XXXXXXXX  after a dispute challenging an erroneous original balance PRA recognizes the error and instead of deleting this account like they supposed to according to the FCRA they just change the balance. And instead of calling it an error they called it a credit. My dispute is this if the original amount is incorrect and/or erroneous it automatically invalidates the electronic file provided by PRA as proof of validation with this been said PRA has no way to provide proof any proper validation of this debt because all they have left is statements after statements which dont mean nothing PRA must comply with the law and remove this non fcdpa compliance account immediately. Attach to this dispute I am providing you with all of my dealings with PRA ( statements, electronic file ) I am requesting your assistance to up an end to this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: MI

Complaint narrative:
Predatory lending taking advantage of COVID-19 distress situations. High interest rates. This company is not license to offer and disburse loans in Michigan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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: EQUIFAX, INC.
State: MI

Complaint narrative:
On my XX/XX/2021 credit report, DEPTEDXXXX  has added a Late Mark on my credit report per EQUIFAX and XXXX. Upon further research, this account has no written form of communication, contract or signature for this accused debt at all. A bill without a signature does not verify the debt and anybody can send a bill and say its mine. I have sent 5 rounds of dispute, asking for verification of these Late Payments, but I never received any response. According to FCRA, DEPEDXXXX has violated my rights as a consumer and Im requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: CA

Complaint narrative:
On the evening of XX/XX/XXXX  {$500.00} was taken out of my checking account via XXXX. I am a victim of the XXXX  Scam that is unfortunately happening now. I called the bank to report the unauthorized/fraudulent transaction that very same evening. I made a report with the banker that assisted me. She transferred me to the fraud department, but it was closed. I called the bank again the very next morning to report that I was a victim of fraud. I filed a report and took absolutely every single action the fraud department advised. I closed my back accounts and opened new accounts. I also changed my email and all information on my XXXX account. Everything that I was advised to do, I did without hesitation. 

I received a letter from the bank, dated XX/XX/2021, stating the my claim has been denied because the transaction posted as requested. This thief took my money and the bank is stating that I authorized this transaction. {$500.00} is a lot of money. I have used XXXX countless of times without any issues. 

I have never had to submit a claim for this issue in the past. The one time that I am unfortunately a victim of fraud, my bank denied my claim. I feel so violated and helpless at this point. I need that money. My family needs that money. That person stole from me. This transaction was not authorized by me. Someone please assist me with this. I would gladly take whatever additional steps I need to take to ensure this thief never violates me again and that I receive my full refund.

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 2021-10-19 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Per request, XXXX account was closed on XX/XX/XXXX. XXXX and Experian account is currently reporting as past due as of XX/XX/XXXX. ( See attachments reflecting both CRA 's reporting incurrent information. ) A closed account can not be reported as past due, delinquent or late. This inaccurate information is causing harm to my reputation.

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 2021-10-19 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Credit Reporting Agencies and Collection Agencies violated the Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Central States Recovery, Inc.
State: VA

Complaint narrative:
Identifies themselves as CSR. I have asked them repeatedly not to contact me by phone and that I would not verify any information over the phone because I've been a victim of identity theft. The agent on XXXX XXXX became argumentative with me when I restated that I've asked them multiple times not to contact me by phone. I have never done business with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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: FL

Complaint narrative:
Hello, my name is XXXX XXXX, and I am writing to delete the following 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 Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code 1681c2 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.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

Company response to consumer: Closed with explanation