vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Royal Pacific Funding Corporation
State: TX

Complaint narrative:
I have tried to work with my mortgage company to get a modification and a forbearance to save my home they have taking resent payments that i was told to pay by FHA then they stopped letting me pay the payments. I did a modification application witch they said I was approved for to get a letter telling me that i am not approved I was effected by covid 19 and have explained that to them. I do believe that i am being discriminated because of my XXXX and that is why I'm not getting a fair chance to keep my home I had paid 4 back to back payments before they stopped taking my payments in the amount of XXXX for XXXX XXXX XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29 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: AZ

Complaint narrative:
I have been a victim of identity theft. I recently reviewed my credit report to find request for information but this is all Fraudulent request. I have not applied to any of these places.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29 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: T.S. Holdings
State: CA

Complaint narrative:
I requested this company to CEASE ALL ORAL communication and only contact me VIA snail mail or email ... They continue to call and violate my rights repeatedly by harassing me via Telephone calls to myself and family and friends.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29 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: CCS Financial Services, Inc.
State: KY

Complaint narrative:
XXXX Credit Bureau has allowed a collection agency to report erroneous negative information on my personal credit reports. 

XXXX lists a collection in the amount of {$100.00} from CCS Collections from XX/XX/2021 I was NEVER contacted by this collection agency to be given an opportunity to validate this and it has simply appeared on my reports. How does XXXX allow this to happen?? I demand to know. 

Again, I have NEVER received ANYTHING from CCS COLLECTIONS or XXXX in regards to this matter. No verification or validation has been done by either of them. 

This is in direct violation of the FCRA and this collection MUST be removed immediately. 

Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Defamation Negligent Enablement of Identity Fraud P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
Portfolio Recovery at XXXX XXXX XXXX XXXX, VA XXXX has been sending me collection notices in the amount of {$280.00}. It is reporting as past due. I do not know this company nor have I ever done business with them. This company does not have a contract with my signature on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29 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: AZ

Complaint narrative:
I have been a victim of identity theft. I recently reviewed my credit report to find request for information but this is all Fraudulent request. I have not applied to any of these places

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Greetings, I would like to fill a complete with the CFPB against XXXX, Equifax, and XXXX for misleading information on my credit report about a Bankruptcy case. 

I sent written notification to the court asking how XXXX, Equifax, and XXXX verify bankruptcy by the court. In response, in response on XX/XX/2021, the court stated it does not verify information to collection agencies. As a result, I sent letters to all 3-credit agency asking to verify and how the Bankruptcy is verified on my account. 
This is the response that was sent to all 3 companies I have previously disputed this item with you US Bankruptcy Court- XXXX XXXX Case Number XXXX and in response you verified the item as accurate, stating that you have verified the information with the court. I have contacted the court and their response is enclosed. It is clear they do not report to you or to any credit bureau for that matter ; therefore, your original response verifying the time with the course was either error or lie. Either way, the reporting requires to not comply with FCRA 611 ( 15 U.S.C 1681I ) and the information must be deleted immediately. 

XXXX XXXX In response, each credit agency stated that the information is verified as accurate. 
Attached are letters and documentation that was sent to all 3 agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: NC

Complaint narrative:
Caine and Weiner at XXXX XXXX XXXX XXXX, KY XXXX has been sending me collection notices in the amount of {$100.00}. The collection has been reported as past due. I do not know this company & Ive never done business with them. This company does not have a contract with my signature on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Block, Inc.
State: CA

Complaint narrative:
Based on a XXXX  promotion, the company offered {$100.00} off my next purchase of {$100.00} or more, but did not honor this promise after I made a qualifying transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: PA

Complaint narrative:
My name is XXXX XXXX I set up a small business in my home which is known as " XXXX XXXX '' which is a small store for food, drinks, catering services and other professional services. 

I started Processing payment with square and square decided to deactivate my account without telling me when I'll be able to withdraw my funds after I sent the documents they asked for. 

I will never use square again because the people who got my service took the money back and square couldn't protect me in the charge back process, all they did was to refund and rule in the customer favour. 

Well, I have over {$2000.00} in my square account which square has taken the money because they don't allow me to withdraw it and they can't tell me when I'll have access to it. 

I've tried to resolve this with the company by emailing them but all efforts proved abortive. 

I want to company to tell me exactly when I'll withdraw my funds as I've read thousands of negative feedbacks from people who used square to process payment used square to proce

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Greetings, I would like to fill a complete with the CFPB against XXXX, XXXX, and TransUnion for misleading information on my credit report about a Bankruptcy case. 

I sent written notification to the court asking how XXXX, XXXX and TransUnion verify bankruptcy by the court. In response, in response on XX/XX/2021, the court stated it does not verify information to collection agencies. As a result, I sent letters to all 3-credit agency asking to verify and how the Bankruptcy is verified on my account. 
This is the response that was sent to all 3 companies I have previously disputed this item with you US Bankruptcy Court- XXXX XXXX Case Number XXXX and in response you verified the item as accurate, stating that you have verified the information with the court. I have contacted the court and their response is enclosed. It is clear they do not report to you or to any credit bureau for that matter ; therefore, your original response verifying the time with the course was either error or lie. Either way, the reporting requires to not comply with FCRA 611 ( 15 U.S.C 1681I ) and the information must be deleted immediately. 

XXXX XXXX In response, each credit agency stated that the information is verified as accurate. 
Attached are letters and documentation that was sent to all 3 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 2021-08-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I noticed on XX/XX/2021 that unauthorized charges were appearing on my transaction list and I called my credit card company and advised them. We identified transactions between the XXXX and XXXX that I did not do. During those dates I made one transaction in which I informed them of. About 45 days later I was sent a letter stating my dispute was denied. I then appealed the dispute and received another denial stating it was denied because I was either with the person who used it and or my pin was entered in which I have never used a pin for my credit card. This is definitely a valid fraud case that has not been investigated correctly. They day of me appealing the customer rep advise me because I had the card on my phones digital wallet they were not able to determine if the phone made the transaction or the physical card. The bulk of the charges show coming from another side of town that I dont live or go to.

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 2021-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TCF NATIONAL BANK
State: MI

Complaint narrative:
XXXX XXXX somebody stole my ATM INFORMATION, in XXXX, Michigan. XXXX {$100.00}. I live in XXXX XXXX, Michigan 9 hours south. I used my debit card for dinner in lake XXXX the same time my stolen ATM was being used. I contacted TCF bank, filled out the fraud questions, there would check into it. Well,10 days later I received a letter refusing to return my stolen money, they said the chip was designed for me only, and no one could access it but me. I argued with them about the fraud, basically they called me a liar. 
I called back and told them that I want their proof, again never received it. Called a 3rd time, told them about their so called ZERO FRAUD LIABILITY, told them again I live 9 hours away and used my card the same day plus I told them chips can be cloned. Of course nothing again, and being accused of lying. Im so mad at TCF, Im closing out my savings account tomorrow Ill keep the checking until my bills cleared. Oh, the first call they shut my card off, big deal whos to stop it from happening again? Next time they could have wiped out my checking account and they would do nothing about it. What a joke of a bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29 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: GSA Commercial Asset Management
State: CA

Complaint narrative:
1/ I complaint into GSA too much time from phone to complaint direct at their web-site, I am not solve and I am not feed back 2/ My case at Supreme Court OF US was theft and fraud from all defendants at US court Northern District 3/ FEDERAL BUILDING POLICE SECURITY unite with them lock my human right before FEDERAL COURT AND FEDERAL JUDGE, Include XXXX and OFFICE SSI and SSA local I live at XXXX XXXX CALIFORNIA 4/ My face and my voice were lock by them 5/ My certified sent into all court almost were theft, stolen and Fraud

Company response to consumer: Untimely response
Consumer complaint received 2021-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: TN

Complaint narrative:
Greetings, around XXXX my Chime account was closed suddenly and without warning. They stated I would receive a check in the mail from my balance. 2 months have passed and they are now stating no check was issued because I did not have a balance to refund. That is not accurate as it had over {$4000.00} between both checking and savings accounts. They are stating only they can close accounts without any notice at any time and won't elaborate any further. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29 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: NJ

Complaint narrative:
I am a victim of identity theft. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX has fraudulent accounts on my credit profile that need to be 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 2021-08-29 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: NJ

Complaint narrative:
I am a victim of identity theft. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX has fraudulent accounts on my credit profile that need to be 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 2021-08-29 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Netspend Corporation
State: VA

Complaint narrative:
I received a totally unsolicated card from Netspend. Everything about the materials that were shipped with this card made it look like I had applied for it. 
See the attached. 

When I called Netspend they told me that they got my address from " one of their partners '' but offered no other explanation as to why they'd sent me an unsolicited 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 2021-08-29 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I told them to stop calling me on Sundays it is not a good day for me and they continue to call me every single sunday.

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 2021-08-29 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: MT

Complaint narrative:
Experian credit company won't delete a Bankruptcy that is on my report. It has been removed from my other two credit reports and they agreed to remove it from this report and haven't. Its holding my credit score down and costing me more money in credit due to this problem. Can we please have them erase this Bankruptcy on my Experian report. Thank you.

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 2021-08-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Heartland Resolution Group, LLC
State: NY

Complaint narrative:
I just received a collection notice from Heartland Resolution Group dated XX/XX/XXXX for a sate of service XX/XX/XXXX from XXXX XXXX XXXX. All my medical bills received for that date of service were paid back in XXXX. I had no outstanding accounts. Additionally, I have not received anything until today about this. It's been over 10 years. I would like assistance looking into this claim to 1. make sure it is not fraud, but 2. also dispute this claim as the service was over the statute of limitations for NJ of 6 years. The amt is XXXX, but the comments say I have an opportunity to pay only XXXX. Something does not seem right here.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29 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: AR

Complaint narrative:
I am a victim of Identity theft. I have fraudulent accounts on my credit profile, incorrect address, incorrect employers, and incorrect personal information. These accounts such as XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and fraudelent bankruptcy listing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29 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: TX

Complaint narrative:
I have tried to contact Experian to delete inaccurate information off of my credit report and i have been unsuccessful. The information is incorrect including two names that are wrong but include the last name from a prior marriage that never legally changed with the IRS. Two incorrect addresses and three incorrect names that are not 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 2021-08-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Social Finance, Inc.
State: TX

Complaint narrative:
I was sent an in-mail promotional offer for a new credit card by SOFI. It had a 0 % APR rate for 12/15 months. This happened in the month of XXXX. I responded to the offer and got approved for the card. I first started using the card in the month of XXXX and my first statement was generated in XXXX. I went ahead and made a payment and then when my 2nd statement was generated I daw that they have charged me interest on the balance amount. I reached out to SOFI and they said that they will investigate the matter and get back to me. this never happened. When I called them the 2nd time at that point they apologised and asked me to provide with the code orals they won't be able to apply the promotion. Never have I faced a similar situation from a credit card company. I never retained the paper as its been nearly 4 months. I never anticipated something like this. They are plainly denying any responsibility and it's a clear case of cheating and manipulating for charging interests. It is such an unfair practice. I don't think I will continue with this card but I want solutions regarding the promotional offer being applied to my account. Other folks should also be aware of this company engaging in such dishonest practices.

Company response to consumer: Closed with explanation