vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-20 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: IL

Complaint narrative:
On XX/XX/XXXX, I attempted to pay off the balance of a loan in exchange for the contract and remaining balance of the loan. I requested this information by XX/XX/XXXX. I did not receive a response. I sent another letter on XX/XX/XXXX extending the offer to XX/XX/XXXX. My letter was still ignored, which translates to the company refusing payment. On XX/XX/XXXX, I sent letters to TransUnion, XXXX, and XXXX informing the reporting agencies of the past mistakes of the company such as misreporting, and repossession of my vehicle. XXXX XXXX XXXX is now reporting a delinquency to the credit reporting agencies. I sent the credit reporting agencies copies of the letters and certified mail receipts to investigate. I was informed by the XXXX dispute representative that they sent over the documents to XXXX, opened an investigation on XX/XX/XXXX, and closed it on XX/XX/XXXX because XXXX verified the information they were reporting was correct. I was also told by the XXXX dispute representative that they DO NOT have to obtain proof from the furnisher regarding any item that is disputed by the consumer, as that IS NOT their job. XXXX XXXX XXXX verified the information to be correct without providing any proof adverse to the documents I sent in for the item to be removed from my 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 non-monetary relief
Consumer complaint received 2021-12-20 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: IL

Complaint narrative:
On XX/XX/XXXX, I attempted to pay off the balance of a loan in exchange for the contract and remaining balance of the loan. I requested this information by XX/XX/XXXX. I did not receive a response. I sent another letter on XX/XX/XXXX extending the offer to XX/XX/XXXX. My letter was still ignored, which translates to the company refusing payment. On XX/XX/XXXX, I sent letters to XXXX, Equifax, and XXXX informing the reporting agencies of the past mistakes of the company such as misreporting, and repossession of my vehicle. XXXX XXXX XXXX is now reporting a delinquency to the credit reporting agencies. I sent the credit reporting agencies copies of the letters and certified mail receipts to investigate. I was informed by the XXXX dispute representative that they sent over the documents to XXXX, opened an investigation on XX/XX/XXXX, and closed it on XX/XX/XXXX because XXXX verified the information they were reporting was correct. I was also told by the XXXX dispute representative that they DO NOT have to obtain proof from the furnisher regarding any item that is disputed by the consumer, as that IS NOT their job. XXXX XXXX XXXX verified the information to be correct without providing any proof adverse to the documents I sent in for the item to be removed from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
Called my home on a false debt. Debt was incurred either by identity theft or fraud, I dont which. The debt was incurred over 27 years ago according to the Convergent agent. I was not informed about the place of the original debt nor of the company name. Convergent has not released the address nor location of the person receiving the loan or service. 

I am XXXX XXXX XXXX and my XXXX XXXX XXXX, but during that time ALL my bills were paid on time with no delinquencies. I XXXX XXXX XXXXXXXX XXXX XXXX and had less than 6 days a year at home for personal time off from XXXX to 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 2021-12-20 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:
On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
PORTFOLIO has been reporting a collection on my account in the amount of {$500.00} The collection has been reported as a past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. I hope your day is going well, but I need your help. I noticed the following issues with this account on my credit report. I did not authorize nor know anything bout this account listed. These are fraudalent accounts. i know my rights. this is stopping my life please remove them immediatley .You have 30 days. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 615 ( f )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied Collection Services, Inc. (Nevada)
State: GA

Complaint narrative:
I bought a pre-paid XXXX phone ... ..NO CONTRACT and NO AUTHORIZATION to auto-deduct payments from my checking account. XXXX was the XXXX number assigned to my device. Again, this was a PRE-PAID cell service. I had paid PRIOR to every month using my debit card. After a while, I noticed on my bank statement that XXXX was illegally auto-deducting money from my account WITHOUT my knowledge or approval. In addition, the amount that XXXX began illegally auto-deducting from my checking account was significantly more than the advertised, quoted, agreed upon monthly pre-paid payment. After noticing, I tried several times to cancel my service via the XXXX app. The app was not working correctly, so I called XXXX and spoke with a lady ( XXXX representative ) about my unfortunate experience. I was very upset and made it clear that I would no longer use XXXX because of the illegal auto-deductions and overcharges. I made it very clear that I wanted a refund for the overcharges, my Sprint account ( phone number ) to be closed immediately, and the illegal auto-deductions to STOP. Per our conversation, she agreed to close my account ( phone number ) immediately, but couldn't authorize a refund for the overcharges. She then stated that another XXXX representative would call me within a few days to talk about the 'refund ' part of my request/statement. I never received that call. I did however notice that XXXX stopped making the illegal auto-deduction withdrawals from my checking account. Unfortunately, many months later, I discovered via XXXX XXXX that XXXX sent my account ( phone # ) to collections with a bogus balance. I do not believe I'm the only victim.

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 2021-12-20 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I sent a cashier check to toyota financial on XXXX via us postal service using certified mail in the amount of {$10000.00} to po box XXXX, XXXX XXXX iowa XXXX. As of XX/XX/20 they have not process the cashier check and it is worrisome. They are providing me with different turnaround timeframes from XXXX business day to XXXX business and even XXXX business days. I submitted a complaint with them with reference number XXXX with operator ID # XXXX. 
I am attempting to pay off car loan right after they cash the cashier check of {$10000.00} ( principal payment only ) but unable to pay the remaining balance until they cash the {$10000.00}. In addition, daily interest is adding daily which. 

I want to ask Toyota financial to cancel off any additional daily interest from the date of XXXX present because my personal bank will be making a final payment on the remaining balance after the {$10000.00} is process. 

thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: U.S. BANCORP
State: WA

Complaint narrative:
I was on military leave and did not have access to the internet to pay bills during that time.

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 2021-12-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Prince Parker & Associates
State: NC

Complaint narrative:
I spoke with Prince Parker for a debt that was erroneously placed on my business credit report, they offered no solutions. My business was just filed with the Secretary of State and is being affected by Prince Parker.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Sequium Asset Solutions, LLC
State: NC

Complaint narrative:
Constant harassing phone calls daily about a XXXX XXXX account I do not own. This has been happening since XXXX. They keep saying that theyll take me off their list but they keep harassing me at my place of business. The companys name is Sequium. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Merchants and Medical Credit Corporation, Inc.
State: MI

Complaint narrative:
On XX/XX/2021, I was made aware through the website XXXX XXXX that Merchants & Medical Credit has been added as a derogatory mark towards my credit. Merchants & Medical have not tried to notify me directly ( Neither written or by telecommunication ) about this debt they are trying to collect. XX/XX/2021, I contacted Merchants & Medical about this debt, and tried to negotiate a " pay-to-delete '' solution. They complied with this. Although, when I requested to receive written agreement for the " pay-to-delete '' before I made the payment of {$500.00} in full, they stated it was against company policy to do so. I feel as though I did not receive the fairness I should've that is stated within the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I discovered an unauthorized non-Chase ATM withdrawal of {$160.00} from my business checking account ending in XXXX made on XX/XX/2021 which was a day I never left my house. I made a claim of fraud on XX/XX/2021 and suggested the XXXX gas station I used on XX/XX/XXXX may be where my debit card information was stolen. 

Within only a few days the bank denied my claim and when I called to ask for information on the withdrawal to attempt figuring out what happened the representative told me they can not provide any. I asked if I could appeal the decision but that isn't allowed so am now filing a complaint here.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: CA

Complaint narrative:
I have been banking with chime since 2019. I have a substantial amount in my savings, spending and credit accounts. I had a legal suit awarded to me in XXXX and chime had advised me how to deposit the amounts in my account. XX/XX/XXXX I received an email that all of my accounts were closed due to fraud. I have not been able to get into my account ever since. Not only are my accounts frozen I cant get into my app to see previous transactions. On a daily basis I have tried to call and email both chime and XXXX but have not had any luck. My life savings is shut off. This is XXXX time as well as end of the year. I need my money! If I had known chime and XXXX would treat their clients in this matter I would never had opened an account with them. I have over {$18000.00} that I am not able to get to as well as scared to death I wont ever get it back. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PLANET HOME LENDING, LLC
State: CA

Complaint narrative:
The reason that I am making a complaint is because I had requested for a loan modification with my 2nd XXXX XXXX but I had been denied several times. Now I have placed my home on a Short Sale to avoid a Foreclosure and as of today my second loan with Planet XXXX has come with a Settlement in which the first Loan with XXXX has been trying to work on getting a final Settlement. XXXX needs more time to come out with the figures necessary to come to a fair Settlement to both loans. I am getting foreclosed 5 days before XXXX and my family are just so stress thinking we are going to be in the streets. I tried to keep my home applying for a loan modification and Planet XXXX said my only option was to sell my home under a Short sale and i did the process but now again i am now getting foreclose any way. I want to keep my home if their is any program that can help me avoid to get Foreclose. This loan was giving to me as an XX/XX/20 I need help at least to get protected by the Moratorium or Covid-19 Pandemic. anything to avoid tomorrow 's foreclosure not to be out in XXXX. If I have no chance to keep my home at least to sell under a short sale. If the government is placing any protection to help families like mine. I begged you to help me stop this sale

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 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: LA

Complaint narrative:
Hi, this is XXXX XXXX, XXXX # XXXX. I sent you a letter on XX/XX/2021 and I was told that I was supposed to get an answer from you but to this date, over 30 days have passed, I still havent heard back from you. Someone told me to go to this website to follow up attaching the copy of the very same letter I sent you. I heard that it is a violation to ignore a dispute letter so I hope you wont delay this matter any further. I need this inaccurate and misleading information cleared off. I am fully aware of what I have on my report and what I should not have and the information I listed on my report are all mistakes. please investigate this matter immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: LA

Complaint narrative:
Pennymac is making it unreasonably difficult to gain access to insurance funds in order to make repairs for damage sustained during Hurricane Ida. First, they insisted on having a contractor make simple repairs that I could have done on my own. Instead I have to wait for months for a contractor to be able to get to me due to it being a disaster area. Then, while submitting the required documents they deny their own forms, stating that they do not accept that form ( substitute for w-9 ) even though the form was taken from their own list of required documents. The company never calls back when they say they will and has never been able to provide an acceptable explanation for making things so difficult. They requested that I complete the repairs on my own, with my own funds, then they will release the insurance funds once I pass a final inspection. So what is the point of having insurance if they want me to pay for the repairs myself. The likely answer is that they're making money off of investing all the homeowners ' insurance money they're holding in the market.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
This company started calling me XX/XX/2021 about a purchase that I had no knowledge about. They were informed of this and have continued to call me every single day since then. They are harassing me and illegally reporting to credit bureaus that I owe them for a transaction I have no knowledge about. 

Said dates of transaction, It was impossible for me to purchase anything at that location. I was not in the state and have submitted proof to the company.

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 2021-12-20 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: LA

Complaint narrative:
Hi, this is XXXX XXXX, XXXX # XXXX. I sent you a letter on XX/XX/2021 and I was told that I was supposed to get an answer from you but to this date, over 30 days have passed, I still havent heard back from you. Someone told me to go to this website to follow up attaching the copy of the very same letter I sent you. I heard that it is a violation to ignore a dispute letter so I hope you wont delay this matter any further. I need this inaccurate and misleading information cleared off. I am fully aware of what I have on my report and what I should not have and the information I listed on my report are all mistakes, please investigate this matter 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 non-monetary relief
Consumer complaint received 2021-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
Consumer Finacial Proteccion Bureau XXXX XX/XX/XXXX Reference : Case No XXXX The day XX/XX/XXXX I received the documentation from Bank of America regarding my case No XXXX concerning the bank fraud and identity theft over my Money Market No XXXX XXXX XXXX where the sum of XXXX XXXX was reimbursed to me. The additional sum of XXXX {$11.00} was not credited to the account and in consequence was not reimbursed to me. 
After checking the information given by the bank I discover certain aspects that were not taking into consideration : The claim of XX/XX/XXXX was over the total of transactions that took place in XXXX and not since XX/XX/XXXX as the bank affirms. The identity theft took place on XXXX. The bank is not taking into account the withdrawals for that period that are XXXX {$1800.00}. 
There is no explanation of why the bank did not credit the withdrawals of the following periods if they correspond at the same bank fraud and identity theft : XX/XX/XXXX to XXXX XXXX {$38000.00} XX/XX/XXXX to XX/XX/XXXX {$20000.00} XX/XX/XXXX to XX/XX/XXXX {$6.00} XX/XX/XXXX to XX/XX/XXXX {$920.00} XX/XX/XXXX to XX/XX/XXXX. {$2.00} Regarding this situation, I ask your intervention on my claim that was caused by Bank of America. The Bank issued debit cards to people that stole my identity and send those cards to addresses that were not registered by me. I had this account for over 30 years with the same address and never has asked for a debit card under my name of other names. 
XXXX XXXX XXXX. 

Attached is a copy of the detailed debits that have not being credit by Bank of America.

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 monetary relief