vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-23 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Portfolio Recovery Associates have violated multiple sections the FDCPA. They have violated section 805 15 U.S.C. 1692c- Communication in Connection with a debt collection. Portfolio Recovery continues to call my phone before XXXX XXXX. which is a violation. I have sent them a cease and desist letter stating that I refuse to pay the debt. They have yet to cease all collection activities. They are still reporting this account to my consumer report, which per court case XXXX XXXX, Plaintiff, vs. DIEM CORPORATION, No. CIV 03-0762 UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, 2004, the courts ruled that reporting a collection account on a credit report indeed is considered collection activity. They have violated section 806 15 U.S.C. 1692d - Harassment or Abuse. Portfolio Recovery has threatened me over the phone and have used profane language towards me which is a violation. They have violated section 807 15 U.S.C. 1962e- False or Misleading representations. Portfolio Recovery have have gave false representation or implication that they operate or is employed by a consumer reporting agency as defined by section 603 ( f ). I will seek damages under section 813 15 U.S.C. 1692k- Civil Liability for each violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: TX

Complaint narrative:
on XX/XX/XXXX, I called Chime Bank support. The lady on the phone told me my phone had me hacked by someone in ohio. she told me to look at this link and it will show me where it was. so When i clicked it, it shoed someone in ohio accessing my phone. Apparently that link was actually allowing the Support lady on the phone to access all my information an hack my phone herself. She completely drained my bank account. I was able to get the bank to refund XXXX. They refused to refund the XXXX that she transfered into her account directly. Her name is XXXX XXXX. I have filed police reports, she is located in new york. They have proven her account as fraud and she has scamed multiple other people. The bank still says they wont do any anything. The police say its out of their hands. I have been fighting this for almost a year now and NO ONE will do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I have these accounts that are not mine and i want them to be remove. 

1. Identity Theft BK OF AMER Account Number : XXXX This is not mine. 

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

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 2021-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
On XX/XX/XXXX XXXXXXXX XXXX  18 minute call XX/XX/XXXX XXXX XXXX  28 minute call XX/XX/XXXX XXXX XXXX  26 minute call XX/XX/XXXX XXXX XXXX  26 minute call XX/XX/XXXX submitted my bank statement from another institution to verify Im the account holder. 

I established this account on XX/XX/XXXX or XX/XX/2021. Since then I have been unable to deposit money. All of my accounts are showing not eligible for transfer. When I called customer service they basically say itll be 7 to 10 days until customer service technical support has a chance to look at it and if they dont understand the process or the problem then it is sent to the engineering team which intern takes more additional time. 

They have advised that I am able to transfer money in using A different banking institution, but if I do that I will have no way to withdraw the money from then until the issue is fixed. 

There is only two levels of support, and when you reach the top level they claim that they do not have a way to contact or reach out to a different individual in order to get this fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I made a cash payment using my ATM card at another bank. I just found out that Chase charged me {$75.00} for non ATM cash fee. This is something they never disclose to me. Chase is just 2 minutes from me. Had I known about this fee, I would have just walk to their branch and get my cash but they never informed me about the fee until when I saw that on my statement and I called. The first person who picked my call said they will look into that and they ended up hunging up on me. I called again and the guy who picked said he will not remove the charged. 

I need this is charge removed because this is not fair. Chase is stealing from us and that need to stop already.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
There are two companies which appear on my credit reports which I have requested via mail and certified mail for them to provide me with information that these services were provided and approved by me. One of them, which services supposedly occurred in XX/XX/XXXX since XX/XX/XXXX, the other which services supposedly occurred in XX/XX/XXXX since month of XXXX. Neither of them have provided any information they continue to send me a bill that states these are my accounts but no further information to prove they are mine. Naturally, it has almost been 7 years and I can not recall if they are truly mine or even what they are for as they do not provide any details. I have written also to all three collection bureaus and nothing has occurred, until I spoke today with XXXX  who advised I should file a complaint with the FDC which re-routed to you. My credit is heavily impacted by these accounts who I believe unless they prove otherwise are fraudulent and thereby causing me frustration, undue stress and limiting my credit abilities. I ask humbly for your assistance and intervention. I frankly do not understand why the bureaus are not asking for confirmation of the accounts prior to allowing them to show on the reports hurting all consumers. I appreciate anything you can do to assist. 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 2021-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Merchants' Credit Guide Company
State: TX

Complaint narrative:
I have previously request a validation of debt with this company for four accounts that are negatively reporting on my credit report. File number # XXXX, # XXXX, # XXXX, and # XXXX. I requested very specific validation which this company has failed to meet the request. They have also responded with a detailed billing statement that had a detailed list of procedures performed. Not only did this company fail to prove that I am the indeed party that owes this debt, They have also violated Hipaa with even having access to someone's medical history without a signed medical release form.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 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: PA

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX  was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX/XXXX  Inquired on XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
CAPITAL ONE BANK  # XXXX has been attempting to collect a debt that I have requested several times to be verified due to the being unaware of where this is originating from. I have not received any mailed documents per my request and this is in violation of my consumer rights to confirm the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
I have tried numerous times to make modification, we have proven that our current situation is better, we have told then that we Received {$10000.00} a XXXX at this time and we have provided evidence to, but they never given a correct resolution. 
we need our house, last Application we did on XX/XX/XXXX. 
they asked for all the documentation and i proved it to them, but received a letter dated XX/XX/XXXX in which they requested the information that had already been provided and we send an Email with the evidence, XX/XX/XXXX i get another letter asking for the same information they been requesting in XX/XX/XXXX on the Same day XX/XX/XXXX I recceive another letter saying that my loss mitigation application will not be evaluated because i failed to submit my complete loss mitigation application also said the foreclosure sale is XX/XX/XXXX I demand that they show all the evidence that i provide, well i have all the evidence including all calls and emails. i demand a solution or it will be time to sue this company also i demand a review of the cocuments i provide the them, for my loan modification. 
i demand a modification for my house and document Review i provide to them all the documentation and at the last minute they say they are not going to review anything, I thing this company just wants to steal our property

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: MS

Complaint narrative:
I have a new Citi credit card. Initially the card didn't work because Citi wanted to verify my social security number. I submitted the documents they required and within a few weeks the card began working. Shortly though, the card began declining charges again. This is a new problem with the same credit card. THIS IS NOT ABOUT THE SAME ISSUE AS MY PREVIOUS COMPLAINT.

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 2021-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Sunbit, Inc.
State: SC

Complaint narrative:
The company has been debiting my acct for a purchase that was made through XXXX XXXX The purchase was never received due to merchant not able to provide goods. The sunbit company has been charging my acct let alone reporting on my credit report and at this point I have no acct with them. They have refused to remove from my credit report as well as give me my money back for something I never did receive. Which I have proof it was cancelled from the original company who has also reached out to sunbit numerous times. 

I was charged. {$110.00} on XX/XX/21 And {$56.00} on XX/XX/21

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
I have a pentagon account in my credit that I do not recognize and is greatly affecting my credit. 

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 2021-07-23 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: AR

Complaint narrative:
These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 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: FL

Complaint narrative:
I was told when applying for a mortgage that I had debt on my credit report. I shouldn't, because I don't owe any money. I was told to contact Transunion. I did, and they weren't able to tell me what the debt was allegedly for, except that it was medical. I don't owe any money for medical debt. I haven't been to the doctor since I was a kid. They told me that they contacted the company claiming I owe them money. They said the company told them the debt was accurate. That was the extent of their investigation. I shouldn't have to pay other people 's debt. Someone else 's medical debt shouldn't prevent me from buying my home.

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 2021-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
XXXX XXXX # XXXX debt has been paid in full directly to XXXX XXXX and it still has not been removed from the 3 Credit Bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XX/XX/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 2021-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I have no idea who or what this account is, I've never gotten any type of contact from them I only know because I've recently been checking my credit score more often. I've written and called them multiple times but I've never gotten a response.

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 2021-07-23 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I clicked through a link with XXXX to apply for an American Express platinum card - the link offered a benefit of 125,000 American Express Membership Rewards Points plus 15X points on restaurant spend. My page timed out, and I continued my application later. When I was approved for and received the card, I found out my offer only gave 10X points on restaurant spend ( a potential loss of 125,000 additional membership rewards points ). Amex refused to honor the original offer after speaking to multiple levels of their management. 

I asked to close my account and reapply for the offer, and they said that I was only allowed one offer in a lifetime, and if I closed my account not only would I not get the lower offer they gave me, but I could never get an offer again on the same card. 

This practice is not only misleading, but it is harmful to the customer in the case of a misunderstanding to preclude / prevent another application.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: MN

Complaint narrative:
XX/XX/XXXX Convergent Outsourcing , Inc . 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, WA XXXX XXXX : XXXX CC : I have been billed by XXXX for all of XXXX when I terminated my service with them in XXXX. All my efforts to contact them have failed in that : Their account system says I do not have an account. 
Their chatbot says I dont have an account. 
Look at my address. The XXXX store here was looted and closed, in recent riots I looked at social media. These problems are constant. I tried calling their sales line and was on hold for 30 minutes before I gave up. 
They have not responded to written requests for information / resolution. 
Here are my payments from XX/XX/XXXX on : Payment Type To DeliveryOn Status ConfirmationNumber Payments XXXX XXXX XXXX XX/XX/XXXX Processed XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Processed XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Processed XXXX XXXX Check # XXXX XXXX XXXX XX/XX/XXXX Processed XXXX XXXX Check # XXXX XXXX XXXX XX/XX/XXXX Processed QXWJH-TQDKG XXXX Total paid from XX/XX/XXXX on : XXXX As is clear, I was current in XXXX, and have paid {$570.00} from XXXX on, the month in which I terminated service with XXXX. I have tried since XXXX of this year to understand what I am being billed for, but as already mentioned, including in writing, I have no idea what it is Im being billed for. Apparently, my service has been discontinued, which has been true since XXXX of XXXX. I most certainly welcome that, Id just appreciate not being hounded for payment for services that have not been rendered.

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 2021-07-23 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: Colony Brands, Inc.
State: CA

Complaint narrative:
I am a victim of Identity Theft. I notice on my credit report that there was a collection for Swiss Colony in the amount of {$460.00}. I didnt even know who this company was until my son look it up for me. I never order anything from them in my life. I have filed a police report with the local police department and have sent a Notarized affidavit to the credit bureaus and to Swiss Colony and it still showing on my credit report. WHY????

I am hoping that you can help me with this and this is will be remove from my reports IMMEDIATLEY I have attached the copy of the police report and the affidavit

Company response to consumer: Closed with explanation