vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
I had a bankruptcy in XXXX and all outstanding debt was cleared at that time. Since that time I have been 100 % on time with all credit, have an excellent credit score, and I check my credit thru all 3 credit agencies at least 2x per year. I show no history of any late payments or defaults. 

Have received numerous robo calls from XXXX XXXX XXXX ( XXXX XXXX ) regarding threats of legal action regarding an unpaid debt. I returned a call in XX/XX/XXXX and was told that I owed for a credit card I never had. I was also told that liens would be placed on my XXXX XXXX ( one of several registered vehicles currently in my name ) and also on my primary residence and that a law suit was being drawn up against me. 

I am still receiving threatening messages. I returned a call again today XX/XX/XXXX and I told them that I would pay anything that I owed but I needed written proof of the account and balance. They told that me the balance was regarding a GE Capital account ( XX/XX/XXXX thru XX/XX/XXXX ) that I defaulted on and they offered me a {$620.00} " settlement offer '' or a sheriff would be delivering me a notice of suit and summons to appear at my work or home.. It does concern me that they did have the correct last 4 digits of my social security number. I did not provide additional identification from my end. I told them that they would have to provide me with written documentation of the debt or sue me. 

I contacted GE Capital ( through Synchrony Financial at XXXX XXXX today and spoke with XXXX. He searched for accounts by my name, social, and mailing addresses. He confirmed that I have only had one account through them with a department store from XXXX. He stated that the account in XXXX was closed and that no debt was owed. 

The phone number that I received a call from and called and actually spoke with a person on today was XXXX. 

I am requesting that someone please follow up on XXXX XXXX XXXX  ( XXXX XXXX ) XXXX because I believe this to be a scam to illicit over the phone settlement payments from unsuspecting citizens

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 2021-07-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I had the following chat. The broken link is still on the page and still broken. 

... 
Would you like to send this conversation to a customer support agent? We typically respond within a few hours. 
XXXX XXXX  - PayPal Assistant Yes XXXX XXXX  If you haven't already, let us know why you're contacting us. Feel free to step away and we'll notify you by email or push notification when we've responded. 
XXXX XXXX  - PayPal Assistant I messaged you last night. But it seems you threw away the question. 
https : //www.paypal.com/us/smarthelp/topic/NONPROFITS_AND_DONATIONS won't load. 
You link to it from https : //www.paypal.comXXXX Please fix the link and send me the FAQ. 
Hello? 
XXXX XXXX  So angry now. It's been almost an hour. Hello? 
You link to it from hundreds of pages, e.g. https : //www.paypal.comXXXX Hello? This is absurd. I'm looking for clarification on the " *Some partners may charge fees on donations made through their platforms. See FAQ for details. '' sentence - are banks/VISA/MC such 'partners '? 
XXXX XXXX  Messages are worked in the order theyre received and well send you a notification to your app, PayPal account, and email you when we reply. Thank you. 

XXXX  Thank you for contacting PayPal, my name is XXXX. When it days XXXX its describing sites like XXXX  that uses PayPal to receive donations but XXXX will take a percentage of the funds collected before they are sent over to PayPal. 
XXXX XXXX - XXXX This conversation has been closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: FL

Complaint narrative:
I am filing a formal complaint with and on the company TransUnion, from my understanding ( with what they have supplied to me in this letter XXXX that they are stating that the Virginia Bankruptcy Office in fact was the " data furnisher ( s ) who verified the information. This in fact is not true! Bankruptcy office by law do not furnish any form of information to the credit bureaus so they have lied. I have already verified that the bankruptcy court and I verified with other sources that this information isn't true.

Who is the data furnisher ( s )?????

What is the contact information????

Address/ Name/ the human person you reached and verified the information with???

Unverifiable information needs to be deleted ASAP. Which is enforced by FCRA.

I NEVER DISPUTED THE BANKRUPTCY. I submitted ONLY a request of MOV not a dispute. It was in bold and red letters! 

My rights have continuously been violated by TRANSUNION with these XXXX responses and disrespect for not respecting the fact that I DID NOT dispute but in fact requested information. Most importantly the fact that they lied about the source of " verification ''

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 2021-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
LVNV FUNDING c/o Resurgent Capital Services has been reporting a collection account on my consumer report which violates my federally protected consumer rights. I have sent the company debt validation letters pursuant to 15 USC 1692g demanding they validate the alleged debt account with information on the original creditor and provide the name and address of the " original creditor '' and show any ledger and any type of " delegation of authority '' to confirm that LVNV FUNDING c/o Resurgent Capital Services is owed a debt from me, the natural person/Consumer pursuant to 15 USC 1602 and they have failed to provide any documentary evidence to show that their claims are true and I owe any alleged debt and to prove that they have right and authority to collect any alleged debt from me. LVNV FUNDING c/o Resurgent Capital Services is reporting this information on my consumer report creating an adverse action pursuant to 15 USC 1681a ( k ) ( 1 ) and has caused damaged my reputation and caused financial loss and the loss of my security clearance and are civilly liable pursuant to 15 USC 1640 and criminally liable pursuant to 15 USC 1611. LVNV FUNDING c/o Resurgent Capital Services refused to show me any proof of where this transaction originated and how I ended up owing them any alleged debt and failed to prove how they ended up with my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: AL

Complaint narrative:
I sent a letter over 45days ago regarding my consumer report and I feel like my request is being ignored because this is the second time I have sent a letter. I'm trying to buy home and if I dont get this taken care of immediately I will lose out on not only my earnest money but a place for my family to live. Please help me with these reporting agencies becuase I just keep getting the same response when I call it will take 30 days and its been 2 months. I don't know how much more of this mess I can take. I'm just trying to provide a better place for my daughter to live!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: TX

Complaint narrative:
THIS IS XXXX XXXX. XXXX!!! I AM SUBMITTING THIS ON MY OWN BEHALF. I HAVE NO OTHER AUTHORIZED THIRD PARTY! 

After formal letters and calls to the three credit reporting agencies of XXXX, Equifax and XXXX  they continue to report inaccuracies and have violated my rights as a consumer. This has caused me great financial harm as a consumer and my ability to contribute to the economy. There was not sufficient information nor proper information in response and lacked validity of debt. I have tried to work out with them directly but automated answering services and failed responses from the US mail now well over 90 days have continued to cause me harm and violate me as a consumer. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
I transferred money from my Fifth Third checking account to a new account at a different bank. Even though my checking account had a XXXX balance as of XX/XX/XXXX, Fifth Third charged the account a {$25.00} service charge on XX/XX/XXXX. On XX/XX/XXXX I received a letter advising me to pay the service charge or it would be charged off and may be reported to a consumer reporting agency and passed on to a third party debt collection service. I do almost all of my banking online and when I transferred the funds I looked for but was unable to find an option to request the account be closed. I do not feel I should be charged a monthly service charge for an account with a XXXX  balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: AL

Complaint narrative:
I sent a letter over 45days ago regarding my consumer report and I feel like my request is being ignored because this is the second time I have sent a letter. I'm trying to buy home and if I dont get this taken care of immediately I will lose out on not only my earnest money but a place for my family to live. Please help me with these reporting agencies becuase I just keep getting the same response when I call it will take 30 days and its been 2 months. I don't know how much more of this mess I can take. I'm just trying to provide a better place for my daughter to live!!!

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 2021-07-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Franklin Collection Service, Inc.
State: AL

Complaint narrative:
I received an alert on my credit report a few days ago that I had a medical collection debt that I do not recogonize and it caused my score to decrease by more than 38 points. I'm in the process of trying to get mortgage as I'm trying to be a first time home buyer. This is too stressful as I'm already dealing with the reporting agencies ignoring my request now I have this collecton appear out of no where. I never received any notice in the mail or anything to even even verfiy if this alleged debt even belongs to me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
This complaint is against TD Bank in reference to CFPB complaint # XXXX-XXXX. 

TD Bank 's XX/XX/XXXX response to this complaint was : " DESCRIPTION OF NON-MONETARY RELIEF We sent an update to the credit bureaus to reflect the account status as Paid in Full effective XXXX " This has not occurred, according to a credit report ( via XXXX ) by : XXXX, on XX/XX/XXXX -- Current Status of TD account : " Charge-Off '' Status of : XX/XX/XXXX XXXX, on XX/XX/XXXX Current Status of TD account : " Charge-Off '' Status of : XX/XX/XXXX XXXX, on XX/XX/XXXX -- Current Status of TD account : " Active '' Status of : XX/XX/XXXX I contacted XXXX  via phone on XX/XX/XXXX who verified the data on the XX/XX/XXXX report. I filed a dispute during this phone call. 



Since TD 's XX/XX/XXXX written resolution, I have been accessing updated credit reports on a monthly basis, which have displayed data similar to the current reports. I had followed up with TD 's representative and connected with her by phone, twice, over the past two months. I was told that the lack of changes or the incorrect changes to the status ( both exist ), were part of the updating process and to wait another 30/60 days. 
Finally, TD 's representative told me that if the credit reports ' data remains incorrect after XX/XX/XXXX, it is now an error with the bureaus and not with TD Bank. 


I will be addressing this with Connecticut 's Department of Banking, per my attorney 's recommendation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Since XX/XX/2020 Equifax has had a split file for me and I can only return results that show no credit indicator on file and length of credit history 0 months with zero revolving credit and zero accounts zero increase. It's impossible to work with your customer service because I have tried multiple times, open multiple cases which I have the confirmation numbers for, paid for their premium service twice at the reps suggestions, and none of it has fixed the fact that when creditors pull my social security number and score they show no credit file. XXXX  and XXXX  are fine but Equifax refuses to actually look into the issue and I've escalated cases multiple times to no avail over the last year. 

You can see the screenshots how it goes from somewhat poor but improving credit score to completely blank but I can't seem to get anybody to tell me why or how to fix it ... I tried very very hard but they make it somewhat difficult to really contact them

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Choice Recovery, Inc.
State: GA

Complaint narrative:
I pulled my credit report and discovered many inaccurate items listed. I contacted the creditors, and nothing has been done about it. Please have the credit bureaus remove all inaccurate items.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
I want a new mortgage servicer. Fifth Third is presently my servicer. They have been the mortgage servicer on my house at XXXX XXXX XXXX MI XXXX for almost 30 years. They are constantly harassing me about my insurance.I spoke with them on or about XX/XX/XXXX about my coverage. I had changed insurance companies. I gave the woman at Fifth Third all the information. I made it clear it was set to auto pay and would not renew until the day before the due date of XX/XX/XXXX. Why should I pay sooner? Under federal law, the servicer must reasonably believe that the borrower has failed to maintain insurance coverage on the home before purchasing a force-placed insurance policy. I have never missed either a mortgage or insurance payment.I called these people and gave them all the info and they still send me threatening letters. This Isn't the first time. Fifth Third is a horrible company and I want a new one. XXXX XXXX holds my loan and they must have dozens and dozens of servicers. Is there any way I could choose a different one? If not how do I file a complaint against my service provider?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: First Technology Federal Credit Union
State: ID

Complaint narrative:
Greetings, I am filing this complaint to dispute an inquiry that a credit union incorrectly made on XX/XX/XXXX. 

In XXXX, I applied for a credit card with First Tech Federal Credit Union. First Tech approved my request and sent me a new credit card, which I have been using ever since. The credit union then erroneously made a second inquiry into my credit report on XX/XX/XXXX. Today I received a letter saying that, after making the second inquiry, they rejected my alleged request for a loan. 

I never filed for a loan from First Tech ( or any other entity ) and did not request a second credit card or any other line of credit from First Tech. I only made the initial request for the approved credit card.

I called First Tech to dispute the second inquiry, but a representative told me they have no way of removing it from my credit report -- which is not true, from what I know. The rep also said they treat the terms " credit card '' and " loan '' synonymously, and he hung up on me. 

I am seeking help removing the second inquiry from my report as it has adversely affected my credit score. 

Thank you, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft TOYOTA MTR Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

10. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

12. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

13. Identity Theft XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX This is not mine. 

14. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

15. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

16. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

17. Identity Theft XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: TX

Complaint narrative:
I am writing to delete the following information in my file. The items I need to be 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 Affidavit. Please delete the items as soon as possible. 

The following personal information is incorrect : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, TX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX, TX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I was served by Portfolio Recovery Associates. A processor knocked on my door at dinner time to give me papers. It says I am being sued for a debt and I need to attend a pre-trial conference. Failure to attend could result in wages garnished, and asset seizure. First off, I don't even know what this debt is for. Why would I not be notified about this? Additionally, I was the victim of identity theft and I had a number of fraudulent activities against me. So I've been trying to get my accounts back in order and up to date. 

This feels like a scam of some sort. I did a XXXX search about this company and it appears they are well known to do illegal stuff when it comes to debt collection. I want to file a complaint against them for this activity. I don't know if you have a way to stop this lawsuit if it is even real. But I shouldn't have to go to court for something that may not even be mine. It looks like the total amount is {$6300.00}. Although, another document shows {$5300.00}, so I'm not sure what the difference is. It looks like interest possibly. I don't know if this is an open account or closed. If it is open and collecting interest, I have not received a bill or notice. If it is closed, why is interest being collected, and again, why was I not notified? 

Also, the documents I was given, doesn't have my proper first name on it. So again, I don't know if this is even real. But based on the research I did, this appears to be how this company operates.

Company response to consumer: Closed with non-monetary relief