vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Business Bureau
State: FL

Complaint narrative:
This debt collector is Medical business bureau. I did not receive a right to dispute letter from this debt collector and I did not receive enough information to validate the debt. The debt notice I received from this collector indicated a series of debts totaling {$2700.00}. 
I sent them a letter by certified mail requesting more information and also validation of the debt. The letter I sent to them was via USPS certified mail dated XX/XX/2021 and I have proof that the USPS delivered the letter to them on XX/XX/2021. The proof is attached to this complaint. 

However to date I have not received any response from Medical business bureau and they have not validated the alleged debt. Today XX/XX/2021 makes it a total of 50 days since the letter requesting validation of debt was delivered to them by the United States Postal Service.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
These two company have call and call me daily about a bill that is not mind

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This is my 4th time contacting the CFPC and my disputes are still not being handled by XXXX, XXXX  and Transunion ... Please investigate these negatives items and have them deleted. 

XXXX Unverified account XXXX XXXX XXXX XXXX- Unverified account XXXX  XXXX XXXX XXXXUnverified Account I want these accounts deleted from my credit report and please send me an updated credit report reflecting this. 

Thank You, XXXX XXXX XXXX XXXX XXXX XXXX, Texas 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 2021-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/2021 Equifax received Affidavit of Truth, Invoice and Cease and Desist. Attached please find proof of delivery. On XX/XX/2021 Equifax closed the dispute. Equifax has failed to answer and respond to each of the Facts stated in the Affidavit of Truth. Equifax has failed to pay the Invoice to compensate me for every consumer right violation. And Equifax has failed to comply with Cease and Desist against XXXX XXXX by not deleting this account. XXXX XXXX is to cease desist all communication with me through any and all mediums. A consumer report is in fact a medium. Which means it is a communication. To comply with the Cease and Desist this account needs to be deleted. By Equifax continuing to report this account it is a indirect communication and violation to my Cease and Desist.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 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: GA

Complaint narrative:
This credit reporting agency is harming me and limiting my ability to advance to a better position in life by reporting false, misleading, and inaccurate information about me. They are reporting that I owe a debt to Portfolio Recovery in the amount of {$910.00}. This agency along with the debt collector have violated my right to privacy as well as broken the law in regards to sharing information that I deem to be private in nature. I reached out to this agency asked them to correct this erroneous information, but they refused and lied that this information has been verified. They did not provide me with a notice of debt as required by the law and did not give me any information about how they verified this false information when I requested validation of the debt. Plus, they can not verify something that is flat out against the law. 

Please assist me in correcting these blatant violations of federal laws that serve to protect consumers as these violations are gravely impacting the quality of my and the lives of my family members. 

Thank you in advance!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Attach is proof that Wells Fargo sold my default payment to XXXX XXXX after I paid to for the Downpayment with my XXXX XXXX XXXX XXXX and I ask put {$50000.00} down and {$10000.00} for closing I did not have an loan for down payment not closing cost and had an year to return to home or Mortgage and they did not help me relocated I was harassed the hold time while fighting for my life and because of the Foreclosure Wells Fargo reported of Credit Report and XXXX I did not even sign an contact with just was allowed to purchase my personal and confidential information and Federal Employee which also prevent me from rent and now in Shelter in State of New York and unable to rent I did not default on Mortgage with XXXX when I did sign an contract with them and Bank and they allowed to report poorly about me and also prevent me from renting

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 2021-08-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
-Applied for card in store because I did not have wallet on me, got approved. 
-Used card same day in store -never received physical card, a bill from the company or a phone call for 6 months. 
-company reported 6 months of late payments all at once, no chance for consumer to fix the issue. 
-offered to pay the card in full, apologized endlessly. 
Attempted to pay card over phone, would not accept payment because it was in collection -Attempted to pay card in store, old navy said they did not take instore payments. 
- Called synchrony bank several times to resolve issue and pay account, non negotiable. 
- Was told I could pay the card in full, but they still would not change anything on my report. 
-Was told by the bank representative, even if the bank was at fault for not supplying a bill for 6 months, ( or a card ), it is still my responsibility to find a way to pay it. 
-Was told by the bank that I signed up for e statements, but never received any of those either. 
The only correspondence I received form old navy was for sales. 
If I didn't have a bill, statement or a card, how am I supposed to pay it online?

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 2021-08-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: R.M. Galicia, Inc.
State: GA

Complaint narrative:
not my debt.. XX/XX/20 credit monitoring company sent alert of suspicious activity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
*This is a new complaint* During the period including XX/XX/2021, I was on deferment with the company. I have documented proof of deferment, due to not being able to pay my bill based on being affected severely by COVID. I have NEW DOCUMENTATION which shows this, however, the company refuses to review the new 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 explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This is my 4th time contacting the CFPC and my disputes are still not being handled by XXXX, Equifax and XXXX  ... Please investigate these negatives items and have them deleted. 

XXXX Unverified account XXXX XXXX XXXX XXXX Unverified account XXXX  XXXX XXXX XXXXUnverified Account I want these accounts deleted from my credit report and please send me an updated credit report reflecting this. 

Thank You, XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is my 4th time contacting the CFPC and my disputes are still not being handled by Experian, XXXX  and XXXX  ... Please investigate these negatives items and have them deleted. 

XXXX-XXXX- Unverified account XXXX XXXX XXXX- XXXX- Unverified account XXXX  XXXX XXXX- XXXX-Unverified Account I want these accounts deleted from my credit report and please send me an updated credit report reflecting this. 

Thank You, XXXX XXXX XXXX XXXX XXXX XXXX, Texas 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 non-monetary relief
Consumer complaint received 2021-08-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
not my debt.. XX/XX/20 credit monitoring company sent alert of suspicious activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
Sunrise Credit Services is trying to collect on a paid account for XXXX XXXX XXXX. They was confusion on equipment being returned that was claimed they never received. I sent XXXX XXXX XXXX proof on XX/XX/2021 from XXXX  that the equipment was returned and the account was credited the amount Sunrise is trying to collect. They are reporting to all 3 bureaus a outstanding collection.

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 2021-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
On XX/XX/2021 I tried to pay off and close my credit card with BB & T / TRUIST. Their website would not allow for pay off. After being on hold for approximately 1.5 hours, the best answer we could get was, " wait a day and see if your account was charged ''. This is unacceptable. 

XX/XX/2021 Payment did not go through, called in to BB & T / TRUIST again and was told that they could not accept a payment of more than {$5000.00} over the phone. When asked to speak with a manager or supervisor, I was hung up on by XXXX and another individual by the name of XXXX who both work in the credit card call center at XXXX This is horrible customer service and quite frankly feels as if they are making it hard for me to pay off and close my line of credit with their financial institution. 

Sincerely, XXXX XXXX XXXX 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 2021-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXXXXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXXXXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SS # ENDING IN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 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: LoanCare, LLC
State: NC

Complaint narrative:
Loancare acknowledges payment of account in full in XX/XX/XXXX but has certified that 180 day late payment on my XXXX  credit report in XX/XX/XXXX is valid. Due to this willful and wrong reporting i have been denied credit. 

XX/XX/XXXX I sent certified mail requesting that this is corrected XX/XX/XXXX I sent certified mail requesting that this is corrected XX/XX/XXXX I disputed this with XXXX  XX/XX/XXXX XXXX  reported that the company that reported the information has certified to XXXX  that the information is correct XX/XX/XXXX Filed a complaint with Consumer Financial Protection Bureau XX/XX/XXXX Mortgage servicer provided letter stating that payment history is being reported correctly while contradicting themselves in letter I have called the number given to me in the XX/XX/XXXX letter everyday since then and the office has been closed everyday since.

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 2021-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Lewis, McDonnell & Associates
State: TX

Complaint narrative:
I have a collections account reported on my credit report that should not be. According to the statute of limitations in the State of Texas, creditors can not report an account if the account is older than 4yrs. This particular account in the amount of {$1400.00} was closed back in XXXX  and the creditor is just now try reporting. Creditors has the right to contact me directly to resolve, but they do not have to right to report on my credit report if account is older than 4yrs. old.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I had sent in a Police Report as well as a FTC report to Experian regarding account that I did not authorized to open. There is a XXXX account and a XXXX XXXX/XXXX account on my report that Experian failed to help me get resolved and the accounts removed from 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 2021-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have previously disputed with XXXX, XXXX  and Equifax on XX/XX/2021 regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reporting badly hurt my credibility. I'm certain that my rights as a consumer protected under the law has been violated by this inaccurate information. Please reach out to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
Hi, I had raised a request for refinance with TD bank in the month of XXXX with a 90 day window ending on XX/XX/XXXX. TD banks document itself had a closure date of mid XXXX. As of XX/XX/XXXX the bank has not closed the loan. There seems to be a issue with their underwriting process as they seem to get stuck there and the neither the loan processors and originators have any clue as to what is happening. I have followed up with the processor and also the escalation mechanisms available via TD and they have not been able to provide any ETA and not meet those that they committed to. I have provided all required documentation and details. This is adversely impacting any planning around finances that I am trying to do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SS # ENDING 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 non-monetary relief
Consumer complaint received 2021-08-04 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CarMax, Inc.
State: TX

Complaint narrative:
I, XXXX XXXX, entered into a consumer credit transaction with Carmax Auto Finance on XX/XX/2016. A consumer credit transaction in which a finance charge was involved. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge is supposed to include insurance, but Carmax Auto Finance made me purchase insurance separately.

Company response to consumer: Closed with explanation