vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Millco Management
State: FL

Complaint narrative:
My first contact with Amerifinancial Solutions was in XXXX of XXXX, when I saw this account reporting to my credit reports. The reported the wrong address to contact them and my dispute letter was returned back to me. I had informed XXXX, XXXX, and XXXX with copies of the envelope that was returned. XXXX and XXXX promptly removed the item from my credit report. XXXX refused to remove the item and the update of the new address wasn't updated until XXXX of XXXX as you can see with the attached credit report. Since then I have done my due diligence to dispute this item directly with Amerifinancial Solutions, and it has gotten to the point that they refuse to respond to my letter after it was discovered that the account they are attempting to collect on may have Violated HIPPA law.I have attached my credit report from XXXX of XXXX showing that Amerifinancial Solutions was reporting the wrong address to contact them as well as XXXX of XXXX credit report showing the correct address to contact. Have also taken the liberty of attaching the only response I have received from Amerifinancial Solutions before they stopped responding to my correspondences. After having to deal with this company reporting incorrect information on how to contact them, I finally am able to get in contact with them and they have not responded. Please have this item removed from my XXXX report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/2021, I called XXXX to inquire why I received a Master card in which I did not apply for, after questioning the young man, he was not able to answer my question. Therefore, he asked me to hold and he will find out. I was on hold for approx 8 minutes. He did not return. I hung up and called back. I was informed from a young lady that from the store card which was not an master card, that my card was upgraded and I received a master card because of good standing without permission. The card number in which I did not activate ended in XXXX. 

My question, what rights do they have to run my credit without permission. Previous to receiving the master card, I was asked several times when I shopped if I wanted to convert the card. I said " no ''. Now, without my permission I receive a master card.

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 2021-11-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
* Last month  TransUnion reported my score was 607 to a Mortgage company that made my XXXX  Score lower than it should of been. 
*Credit Agencies allowed a Business account be relabeled to a personal account and called it revolving. 
* I have never had a 607 credit score in my adult life. 
* Mortgage companies lowered raised my interest rates due to this credit adjustment. 
*My credit report is being fraudulently tampered with by placing fraudelent information and fraudulently reporting credit checks on my report. 
* I also have a derogatory credit reporting that I had a cable account just close in XXXX a couple months ago after living and working in texas  the last last years * I was a whistle blower against the government were I exposed millions of tax payer dollars was being stolen. I have been retaliated against. The case just settled in 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 2021-11-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Avant Holding Company, Inc.
State: NC

Complaint narrative:
Hello, My name is XXXX XXXX! I am writing yet again with another complaint against this Fraudulent company. I applied for a card at the end of XX/XX/2021. I was approved for an account and told that a new card would be mailed out. At the end of XXXX after not receiving the card, I started receiving notices about an Annual fee being charged, although I had not yet received the card or activated the card. 
I called their overseas customer service department and was told that a replacement card would be sent out. 
It is now XX/XX/2021, almost one and a half months since the opening of the account- without a card in hand. And I have a fee that is due as of XX/XX/2021. 
I have verified my address and have had no mailed delivery issues since the opening of the account. 
I receive daily mail notifications from the USPS via email, which identifies the day 's mail that will be arriving - every day. And so far there has not been one piece of scanned mail through the postal system from Avant! 
This is unacceptable. 

Customer service has yet again told me that since I have not received the card or activated it that I would not be responsible for the annual fee. We know that is a lie because the due date has not changed or the fee has not been zeroed out! 
I am requesting that the placement card be issued next day delivery via XXXX or XXXX. 
I am also going to file with the IL AG office and the CFPB. 
I expect to receive a phone call from the Avant Corporate office, with a plan for resolution, as soon as this complaint is received! 

-- Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: NJ

Complaint narrative:
I noticed a debt on my credit report from EOS. Collections company. They claim I owe a debt of XXXX..from a service for which I orginally cancelled my XXXX account at the address if XXXX XXXX XXXX. It was paid in full and I returned the Equipment. They are stating the debt is from XXXX XX/XX/XXXX. I did not reside there at the time. I moved to XXXX XXXX XXXX in XX/XX/XXXX. 
I tried to explain all this to them..but they still were trying to get some money. I told them..why should I pay for a debt..that is not mine. I did not live at that residence. during the time period they claimed. 
I hope to get this resolved and removed from my record..and credit reports. I did live at XXXX XXXX XXXX.for 19 years..the home was in foreclosure from XXXX till the time I moved out in XX/XX/XXXX. But my XXXX account was paid in full. I was not there during the times they claim I owed the bill. Which was XXXX..to XXXX XXXX..the house was empty. 
I was residing at XXXX XXXX at the times claimed debt they stated. Please help me resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 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: IL

Complaint narrative:
I filed a XXXX XXXX bankruptcy and was successfully discharged.

Accounts that were included in my bankruptcy continue to show as active And open on my Transunion credit report. I have contacted Transunion many times and submitted multiple disputes and nothing has changed. Ive contacted the companies directly and theyve told me the accounts are reflecting as closed on their end and that I should contact Transunion credit bureau

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 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: EQUIFAX, INC.
State: UT

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports and need to delete immediately : XXXX/XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Sunlight Financial LLC
State: AZ

Complaint narrative:
I have a solar loan with Sunlight Financial, I have the original contract and before I signed, I was told that my loan was transferable in case I sell my property located in SC. I asked the question before signing anything because we are a XXXX family and we moved frequently. I am trying to sell my property due to XXXX XXXX ; I need to sell my property and buy a house for my family in our new XXXX XXXX, however when I contacted the financial institution mentioned before, they said they have a policy they cant transfer my loan to my buyer because the loan is less than {$15000.00}. They told me it is in my contract ; I have the original paperwork and there isnt any clause mentioning that policy. I tried to connect with a supervisor or managers to find a solution for this unfair policy that its preventing us to sell and buy a home for our family, however ; I havent received any answer. They just keep apologizing and scaring me saying that I need to pay off my debt before selling my property. I need help because they lied when I get my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 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: TIDEWATER FINANCE COMPANY, INC.
State: IL

Complaint narrative:
I filed a XXXX XXXX XXXX  and was successfully discharged.

Accounts that were included in my bankruptcy continue to show as active And open on my XXXX credit report. I have contacted XXXX many times and submitted multiple disputes and nothing has changed. Ive contacted the companies directly and theyve told me the accounts are reflecting as closed on their end and that I should contact XXXX credit bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 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: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I filed a XXXX XXXX XXXX  and was successfully discharged.

Accounts that were included in my bankruptcy continue to show as active And open on my XXXX credit report. I have contacted XXXX many times and submitted multiple disputes and nothing has changed. Ive contacted the companies directly and theyve told me the accounts are reflecting as closed on their end and that I should contact XXXX credit bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
On XX/XX/2021 I went to my bank ( XXXX XXXX, XXXX WI to send money to JP Morgan Chase Bank, XXXX MD. My bank said it wouldn't go until next day. On XX/XX/2021 Late in the day I called bank to say I think this was a fraud case.I was told to call receiving bank and talk to their fraud people. I did call and talked to them and said i believe this was a fraud sale that I sent money too. They said they would note the account that this deposit coming was possible fraud. They also told me at the time I called the money was pending. I asked if they could hold funds that I sent so my bank could recall money next morning. They would not do that but would note the account. On XX/XX/2021 My bank filed a recall of funds into Chase Bank and have not heard back from them as of yet. In the meantime the people with the auction company said they would refund money I sent and should have it in two or three days. Nothing yet two weeks later. The auction site stopped answering call and took down the website. I feel that Chase has done nothing but help these people get away with my {$28000.00}. I think that Chase should be charged with something for not doing anything after myself and my bank called and told them this was fraud. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
DEAR BofA, THIS IS THE 4TH TIME I'M SENDING THIS REQUEST BEFORE I WILL REACH TO THE PAPERS AND THE PUBLIC. PLEASE RESPOND, IT'S BEEN MONTHS NOW. MY FORMER CLAIM WAS SUBMITTED ON XX/XX/XXXX AND NO RESPONSE. XXXX There were two cash advance checks that were charged on my CC ending in XXXX. The first one was for {$6000.00} on XX/XX/XXXX The Second was for {$9000.00} on XX/XX/XXXX Both checks were not written or signed by me. In fact, they were forged by my soon-to-be ex-husband XXXX  XXXX. This is not my handwriting and not my signature. XXXX XXXX fraudulently applied for this card.

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 2021-11-13 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: VA

Complaint narrative:
1. XXXX XXXX Account # XXXX 2. XXXX XXXX Account # XXXX 3. XXXX XXXX XXXX Account # XXXX I am very concerned about the validity and accuracy of your recent investigations. I disputed inaccurate information with the creditors as well as all 3 credit bureaus. I asked for an investigation and XXXX removed the accounts because they were not able to verify the accounts. Equifax and XXXX on the other hand did not remove the accounts and they also wont tell me their method of verification. Both accounts are inaccurate and the creditors have also agreed. If XXXX wasnt able to verify it, how did XXXX and Equifax? 

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation, voice recording etc. If this cant be provided, please remove this account off my credit report. I would greatly appreciate it. 

Any automated response, or e-oscar verification is unacceptable. I am requesting a re-investigation AND your method of verification. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. I have attached a report with the accounts in question circled. 

I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX, 1995 ), you may be liable for your willful non-compliance. 
Violations of the Fair Credit Reporting Act Defamation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Thaxton Investment Corporation
State: AL

Complaint narrative:
Someone stole my identity

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are still reporting on my Credit Reports and need to delete immediately : Wrong Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Employers : XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
I spoke JC Penny to make payment arrangements. They said I had to pay a certain amount. Next thing I know Collectors are calling me and family members threatening them. They threatening to put me in XXXX. I was scared that they where following me. It showed they wrote it off on credit report. Debit is from XX/XX/XXXX and they are back to calling with Threatening Language.

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 2021-11-13 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX is trying to collect approx. {$8000.00} from me and is reporting to the credit bureaus incorrectly. This company has already sold the vehicle and collected the full amount of vehicle. They told me I had to pay approx. {$1000.00}, but they are billing me and reporting to the credit bureaus stating I owe them approx. {$8000.00}. They are telling me one thing and billing me for another. By law they cant collect the full amount of the vehicle if they already sold the vehicle for the full amount. I spoke to an attorney regarding this issue. I understand I owe about 4 months of payments, but I refuse and will not pay {$8000.00}. They are ruining my credit for a car they already got paid for which is illegal.

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 2021-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
Experian Credit Bureau : I have called the company multiple times within the past 3 weeks via phone and dispute about the TWO addresses on my credit report. 

The address on my credit file that does NOT belong and is NOT current is XXXX XXXX XXXX, XXXX XXXX, MD XXXX. 

I was told that the creditor, XXXX XXXX XXXX, is reporting this address as my CURRENT address and that EXPERIAN CAN NOT REMOVE IT, even though is is NOT my current address. A creditor has no right to tell a credit agency that my address is valid and it is my CURRENT address. 

I have sent all information to the credit agency and still, I am being the told that it can not be removed. 

When I call to verify my information with the Experian rep, my information is verified with MY CURRENT ADDRESS AND INFO, not an invalid address. 

This has been going on back and forth, without resolve and I am beyond ticked off about this matter. I WANT THE MD ADDRESS REMOVED FROM MY FILE ASAP and I am also going to file a report with another Government agency about this matter. 

I do NOT reside in MD and I want my credit report fixed, sooner than later. Enough is enough already, especially when the consumer has to verify information!

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 2021-11-13 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX OLD ACCOUNT NUMBER : XXXX NEW ACCOUNT NUMBER : XXXX To Whom It May Concern : I purchased a 3 piece living room set on XX/XX/XXXX from Wayfair for {$1600.00} on account number XXXX ( see attached statement showing purchase ) In XX/XX/XXXX Commenity changed my account number to a new account number XXXX. 

One year later on XX/XX/XXXX I was issued 2 refunds from Wayfair, due to the furniture falling apart, to my OLD account number XXXX for the amounts of {$1300.00} and {$280.00} for a total of {$1600.00} ( see attached refund confirmation from Wayfair ). 

The refunds have not been applied to my balance as of today XX/XX/XXXX. 

I have submitted 3 disputes : 1 online on XX/XX/XXXX, one via phone on XX/XX/XXXX, and also mailed in a dispute letter on XX/XX/XXXX. All disputes were opened and closed by you with no investigation at all. 

Please apply my refunds {$1300.00} and {$280.00} for a total of {$1600.00}

Company response to consumer: Closed with explanation