vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Access Receivables of NC Inc.
State: MD

Complaint narrative:
I sent the below letter to Access Receivable Management XXXX XXXX XXXX XXXX to verify a medical debt and they didnt provide proper verification to verify debt. I didnt sign anything releasing my information to be released from XXXX XXXX to a third party which revealed my personal medical history. They are suppose to give me 30 days to dispute the validity of the debt which I never received ... this is improper collection tactics. 
... ... ... .. : : : : : : : : : : : : : : : After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in 2018. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization.

Please provide breakdown of fees including any collection costs and medical charges.

Provide a copy of my signature with the provider of service to release my medical information to you.

Cease any credit bureau reporting until the debt has been validated by me.

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
XXXX XXXX i requested that Robinhood to please close all accounts I have with them and the tablet. It has been me constantly have me around A, /c. I am just begging to please have my money returned to me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 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: Mobiloans, LLC
State: CA

Complaint narrative:
I am a paid member of XXXX, XXXX, and XXXX  and was able to screenshot multiple inaccuracies on my 3 credit reports of several negative items that do not match one another in listed balance, dates of alleged late payments, and/or authorization. I am challenging these negative items appearing on my XXXX  report, I want them removed from my credit reports immediately. I have disputed thought the 3 bureaus and 2 have not listed the items as under investigation in over 30 days, violating the Credit Repair Act. I am not able to secure housing for my wife and kids during COVID as a result of these negative items appearing in a credit check for any home rental company 's applications. Please help us. 

1. XXXX  XXXX Acct - Dates do not match XXXX, Unauthorized, Company in class action lawsuits for illegal activity. 
2. XXXX XXXX - Dates do Not match XXXX, Company in Class Action Lawsuits for illegal activity. 
3. XXXX  XXXX XXXX XXXX - Dates do not match XXXX, balance incorrect 4. XXXX  XXXX XXXX XXXX - Dates Do not match XXXX, balance incorrect 5. XXXX  XXXX XXXX XXXX - Dates do not match XXXX, balance incorrect 6. XXXX  XXXX XXXX XXXX - does match XXXX  XXXX, unauthorized, unknown. 
7. XXXX  XXXX - Insufficient information, does match XXXXXXXX XXXX XXXX XXXX unauthorized, unknown 8.XXXX Mobiloans XXXX Original Creditor Not listed, Terms Not listed, No payments have been reported on this account, Highest balance significantly exceeds credit limit. Unauthorized, Class Action Lawsuits for company-recent Settlements of {$860.00} million for illegal activity. 

Hard Inquiries XXXX  : XXXX XXXX XXXXXX/XX/21 XXXX  XXXX  XXXX XX/XX/21 XXXX  Hard Inquiries XXXX  : XXXX XXXX XX/XX/21 XXXX  XXXX  XXXX XX/XX/21 XXXX XXXX XX/XX/21 XXXX XXXX XXXX XX/XX/21 XXXX XXXX XXXXXX/XX/21 XXXX : XXXX XX/XX/21 XXXX XXXX XX/XX/21 XXXX XXXX XXXX XXXX XXXXXX/XX/21 IXXXX XXXX XXXX XXXX XXXXXX/XX/21

Company response to consumer: Untimely response
Consumer complaint received 2021-05-23 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: AES/PHEAA
State: CA

Complaint narrative:
I am a paid member of XXXX, XXXX, and XXXX  and was able to screenshot multiple inaccuracies on my 3 credit reports of several negative items that do not match one another in listed balance, dates of alleged late payments, and/or authorization. I am challenging these negative items appearing on my XXXX  report, I want them removed from my credit reports immediately. I have disputed thought the 3 bureaus and 2 have not listed the items as under investigation in over 30 days, violating the Credit Repair Act. I am not able to secure housing for my wife and kids during COVID as a result of these negative items appearing in a credit check for any home rental company 's applications. Please help us. 

1. XXXX  XXXX Acct - Dates do not match XXXX, Unauthorized, Company in class action lawsuits for illegal activity.

2. XXXX XXXX  - Dates do Not match XXXX, Company in Class Action Lawsuits for illegal activity. 
3. XXXX  Fed Loan Servicing - Dates do not match XXXX, balance incorrect 4. XXXX  Fed Loan Servicing - Dates Do not match XXXX, balance incorrect 5. XXXX  Fed Loan Servicing - Dates do not match XXXX, balance incorrect 6. XXXX  XXXX XXXX XXXX - does match XXXX  XXXX, unauthorized, unknown. 
7. XXXX  XXXX - Insufficient information, does match XXXX XXXX XXXX XXXX, unauthorized, unknown 8.XXXX XXXX  XXXX Original Creditor Not listed, Terms Not listed, No payments have been reported on this account, Highest balance significantly exceeds credit limit. Unauthorized, Class Action Lawsuits for company-recent Settlements of {$860.00} XXXX for illegal activity. 

Hard Inquiries XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hard Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/21 XXXX XXXX XX/XX/21 XXXX XXXX XXXX XX/XX/21 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-23 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: TX

Complaint narrative:
On the date XX/XX/2021, I requested that Equifax remove several accounts. On the date of XX/XX/2021, I received a response from Equifax which is Nine days past their time to respond. I've made it clear that Equifax was committing multiple violations according to the Fair Credit Reporting Act. Pursuant to 15 USC 602 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. Notice How Congress did not define " Privacy '' under the Fair Credit Reporting Act. Therefore, my rights to privacy have been compromised as I am a private consumer, I never gave consent for Equifax to furnish anything. I have you know that No Consent is considered identity theft. This is Equifax first violation, let 's move on ...

According to 15 USC 603 ( 2 ) the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. The definition of a credit card pursuant to 15 USC 1681 is the same pursuant to 15 usc 1602 ( I ). The term Credit Card means any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or service on credit. Congress said ANY card. The Credit card I am referring to is my social security card, which is the credit card I used to originate the consumer credit transaction. This is Equifax Second Violation.

Furthermore, Pursuant to 15 USC 604 ( a ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Notice how it says written Interactions of the " consumer '' I never allowed or given my consent to Equifax to furnish anything about me. I make it known, according to 15 USC 616 Civil liability for willful noncompliance ( a ) Any person ( The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. ) who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ;

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Securus J Holdings, LLC
State: GA

Complaint narrative:
When calling the XXXX toll free automated customer service number last week, it indicated a XX/XX/2021 deposit ( credit ) to my account in the amount of {$0.00}, which i did not recognize and is not even possible. Then when i checked my mobile application i noticed several more unrecognized credit transactions in the amount of {$0.00}. To me it seems that XXXX maybe receiving money for me and then immediately debiting it back out do that I never notice it's receipt in back-to-back transaction with XXXX XXXX effect on account balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I have not had any attempts from the company to contact me on my debt just got served. They never sent billing statements or called. They say they sent statements but I never received any. Also I never took this line of credit out with them. It was with Pay Pal synchrony never sent a notice that they bought my account or anything if that is what happened. I am a XXXX was XXXX. So with out trying to contact me or send me a debt validation letter as I was never given a opportunity to request one. What they do is get a attorney to sue for a debt you have no clue about with them. Also when the court sets up a mediation synchrony files a motion for summary judgment. They have yet to respond about never contacting me. They go with a big XXXX that I owe them money with no proof. They can not even go to a mediation so they must not have any to show at mediation. You guys should go in a review them. You will probably find violations and be able to fine them.

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 2021-05-23 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Inaccurate account status for XXXX and XXXX of XXXX as well as XXXX, XXXX, XXXX, & XXXX in the year XXXX. Since XXXX, I've been in contact with the company XXXXXXXX XXXX and was advised my account status would be corrected in no later than 45 days but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 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: AL

Complaint narrative:
I have been requesting, since XX/XX/2021, verification of these alleged debts that the Bureaus keep reporting on my credit files. However, credit bureaus and these companies - XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX failed to investigate & obtain, as mandated by law, proof of such debts. Yet, they continued to report & sell erroneous information about me. Therefore, it is quite obvious that they have deliberately violated my rights in more than one way which is punishable by law. Please remove the accounts immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I recently became aware of a check # XXXX payable to me in the amount of {$130.00} that was deposited by someone other than me in an account at Wells Fargo that wasn't mine, which represents several problems namely, Wells accepting a check payable to me that I did not endorse, crediting an account that was not mine, or even worse depositing it into yet another unauthorized account.

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 2021-05-23 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: CA

Complaint narrative:
XXXX XXXX XXXX is reporting inaccurate, false, and misleading information on a collection account on my Equifax credit report. A collection agency should not be reporting a collection account 120 days late as the current status. I did not open an account with the collection agency, they purchased the bad debt. 

Purchasing a bad debt does not make them the original creditor. Only the original creditor can report me as 30, 60, 90 or even 120 days late. Monthly status codes related to delinquencies do not apply to collection agencies. 

The collection agency should be limited to reporting information such as : Date the collection account was opened The original amount owed along with the current balance and whether the account has been paid or unpaid No monthly delinquencies should be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 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: NC

Complaint narrative:
On XX/XX/2021, I sent a letter which in regarding inaccurate and unknown things on my credit report, and tot his day thats over 60 days later I still have not received a response yet. I feel like I am being taken advantage of and being completely ignored of my disputes. By law, of Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days, then it gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should have been deleted promptly. I demand that these accounts be deleted immediately or I will definitely file for litigation due to the XXXX that you have caused me. My information was also impacted by the. Equifax data breach and may have got into the hands of a wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 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: ERC
State: CA

Complaint narrative:
Multiple letters have been mailed off my request to have certain inaccurate accounts removed from my credit report and it has been well over 30 days and I have received no response from the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmerAssist A/R Solutions, Inc.
State: NY

Complaint narrative:
XXXX months ago I noticed on my credit report a collection account from Ameriassist on behalf of XXXX. I never received anything from XXXX so I immediately sent a letter to the bureaus to correct the information on my report. I asked them to remove such debt from my credit report if no proof is provided that the alleged debt is mine. A month following I received a letter from the bureaus asking for proof of address and identification although I sent my drivers license, my social security card and my statement as proof of address. I sent another letter to follow up a month after they stalled and I haven't received anything yet. As of recent, I received a call from the collections agency to collect the debt. They inconvenienced me while I was at work and they were adamant about me making a payment that day specifically. Till this very day I have yet to receive proof from either the bureaus or the collection agency of this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have been requesting, since XX/XX/2021, verification of these alleged debts that the Bureaus keep reporting on my credit files. However, credit bureaus and these companies - XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX failed to investigate & obtain, as mandated by law, proof of such debts. Yet, they continued to report & sell erroneous information about me. Therefore, it is quite obvious that they have deliberately violated my rights in more than one way which is punishable by law. Please remove the accounts 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 2021-05-23 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have been requesting, since XX/XX/2021, verification of these alleged debts that the Bureaus keep reporting on my credit files. However, credit bureaus and these companies - XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX failed to investigate & obtain, as mandated by law, proof of such debts. Yet, they continued to report & sell erroneous information about me. Therefore, it is quite obvious that they have deliberately violated my rights in more than one way which is punishable by law. Please remove the accounts 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 2021-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
To whom it may concern, I bought a travel bundle for me and my girlfriend from a XXXX  page on Saturday night, I paid through XXXX after the recipient told me he was having issue with his XXXX. I thought there was buyer protection with XXXX. To my surprise, the seller has taken off with my money, he is not returning my messages, and Chase tells me they cant do anything. I do not understand how in this day and age we cant have buyer protection on a banking platform. The scammer knew what he was doing when he told me to specifically send XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them but I remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me a great deal I complied on their verification system, sending documents and all but still my account got locked with my money on it telling me that I can't touch it for 180 days. My email linked to my PayPal is " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Multiple letters have been mailed off my request to have certain inaccurate accounts removed from my credit report and it has been well over 30 days and I have received no response from the credit bureaus.

Company response to consumer: Closed with explanation