vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: CO

Complaint narrative:
I asked for what i am entitled to receive for debt verification. What i received from Portfolio Recover Associates, XXXX is laughable. They told me they didn't need to provide. I am requesting 1 ) An original copy of the contract between myself and the original creditor. 2 ) The proper legal assignment contract between you the collection agency and the original creditor ( proof that you are legally assigned to collect this debt on behalf of the original creditor no jut buying debts for pennies on the dollar to collect illegally ) 3 ) Proof that you are licensed to collect debts in the state of Colorado. 4 ) A line by line accounting of the ORIGINAL account ( transaction history, a full breakdown, not jus pages of an account in the negative being charged fees. 5 ) Proof that you the collection agency are in compliance within the statute of limitations in the state of Colorado.

Additionally, Portfolio Recovery Associates broke the law by reporting this on my credit bureau. I absolutely disputed this within my 30 day period. I have attached proof of all communication with PRA. I have consulted
a lawyer and plan to bring this to litigation if this isn't removed from my credit bureau. Portfolio Recovery Associates doesn't get to dictate what they send for Debt Validation. 

Please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
in XX/XX/2020 someone used my navy federal credit union card to make a purchase without my knowledge.. the purchase was over {$1500.00} to a company called gotogate.com I tried to resolve with both companies and no one cares

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am unable to unfreeze my credit at Experian using the unlock PIN and the exact same information used to lock it a couple months ago. 

I have tried calling every number to look for a human to talk with the situation. 

It looks like I will lose out on a prequal and ability to put an offer on a house because they will only respond to physical mail in 2020. This is a bit absurd and damaging to what I would like to do with the credit I have built.

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 2020-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have disputed several accounts from my credit report with XXXX, XXXX, and Transunion. I have sent a total of 4 different letters asking for a response and have yet to be notified that an investigation has even been started on my behalf. The letters were sent on the following dates : Letter 1 : XX/XX/2020 Letter 2 : XX/XX/2020 Letter 3 : XX/XX/2020 Letter 4 : XX/XX/2020

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 2020-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have disputed several accounts from my credit report with XXXX, Experian, and XXXX. I have sent a total of 4 different letters asking for a response and have yet to be notified that an investigation has even been started on my behalf. The letters were sent on the following dates : Letter 1 : XX/XX/2020 Letter 2 : XX/XX/2020 Letter 3 : XX/XX/2020 Letter 4 : XX/XX/2020

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 2020-11-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: M&T BANK CORPORATION
State: NJ

Complaint narrative:
I have requested the M & T Bank records for my 1999 original purchase Hudson City Savings Bank mortgage. M & T Bank acquired HCSB and should have the lien release records. I suspect that the " BOOKS HAVE BEEN COOKED '' and that the HCSB mortgage was not paid off because the mortgage was never issued from the beginning. After my offer was accepted in 1999 I tried to get an attorney to do the closing and the attorneys told me a variety of reason that the house could not be sold such as it was owned by the town, that the property was foreclosed on and that the house belongs to a pool of homes that can't be sold. I got a call back from attorney XXXX XXXX XXXX who said he could do the closing. The sellers signed under penalty of perjury that they were selling me XXXX XXXX XXXX and not the correct address of XXXX XXXX XXXX. The lot and block were changed before the sale. The sellers closed with power of attorney and the deed and the title insurance are no where near along with many other things that point to fraud. 

THE COUNTY RECORDS ALSO SHOW THAT THE MORTGAGE WAS NEVER FILED. I AM REQUESTING M & T Bank to be honest with me and forward me any records that they have of XXXX XXXX XXXX XXXX, N.J. 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 2020-11-18 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: Carvana Group, LLC
State: PA

Complaint narrative:
On XX/XX/2019, XXXX XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2019, XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2019, CARVANA add a hard inquiry on my credit report per XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 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: OneMain Finance Corporation
State: PA

Complaint narrative:
On XX/XX/2019, XXXX XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2019, ONEMAIN add a hard inquiry on my credit report per XXXX. 
On XX/XX/2019, XXXX add a hard inquiry on my credit report per XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 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: GOLDMAN SACHS BANK USA
State: OR

Complaint narrative:
On XX/XX/XXXX I applied for an Apple Card backed by XXXX XXXX using an old XXXX that I own and use for app purposes. I was " approved '' with a credit limit of {$1500.00}, and a physical card was mailed to me, which I received and activated on XX/XX/XXXX. 

The following day I attempted to use the card to make an online purchase of {$640.00} for a new phone at the XXXX XXXX online. I received a notification on my XXXX to authorize the purchase - which I did - but then the purchase was declined. I thought perhaps the online merchant ( XXXX ) was attempting to process the transaction using my old address, and corrected my info and attempted to try the purchase again, which was again declined. I contacted Apple Card support in chat, who assured me there was no issue with my card or account, and suggested I try again - which I did - and was again declined. I decided to just use my XXXX XXXX card, and finished the chat with the Apple Card representative, who informed me my account and card were fine to use. 

On XX/XX/XXXX I had a voicemail from Apple card support asking me to call. I called back that same day and they were unable to tell me why they had called, and after being transferred to 3 different representatives one agent thought maybe it was to confirm my phone number - which I did - and that was that. Nobody informed me of any account issues. 

The next day, on XX/XX/XXXX, I once again missed a call while working from Apple Card support asking me to call back. I called back again, and again was told they had no idea why I was being called. 

Today, XX/XX/XXXX, I logged into my Apple Card account and there is a message that my account is " blocked from new spending '', and to call Apple Card support. I promptly did and the agent had no information for me, could only tell me my account was now " under review '', and had no idea when/if someone would call me back, with no resource for me to reach someone about this. 

I am upset that Apple Card offered me incentives to apply for the card with balance transfers, zero interest, cash rewards ... etc, pulled my credit report which resulted in an inquiry, approved me, sent me a card, and within 10 days has blocked it without ever having made a purchase - and has no method for me resolving whatever issue it is they have.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 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: GA

Complaint narrative:
I sent a dispute to the Credit Bureau and they failed to respond within 30 days. I sent another letter explaining that they are violating the law and they are not complying.

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 2020-11-18 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: GA

Complaint narrative:
I sent a dispute to the Credit Bureau and they failed to respond within 30 days. I sent another letter explaining that they are violating the law and they are not complying.

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 2020-11-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
On XX/XX/2019 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

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 2020-11-18 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
NON-RESPONSIVE AND INCORRECT. My problem is what is on my credit report because you have not deleted as you are required to do BY LAW after 30 days. SO GET YOU HEADS OUT OF YOUR XXXX AND LOOK AT THE CORRESPONDENCE I SENT YOU. YOU HAD 30 DAYS TO RESPOND ... YOU DID NOT ... THAT'S THE LAW ... IT SAYS THE ITEMS COME OFF MY CREDIT BECAUSE YOU DID NOT DO YOUR INVESTIGATION IN 30 DAYS. 

Anything you respond at this point is a lie. I will sue you in small claims court for {$10000.00}.

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 2020-11-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC.
State: SC

Complaint narrative:
After several attempts contacting XXXX XXXX XXXX they refuse to remove a medical collection in their response they sent me back my medical records which is a HIPAA violation also I did not sign a HIPPA release form for them to have the information and when I told them that they still refuse to remove it every time I got on the phone with them they gave me nationalities still have not verified that they sent they sent me back my medical records Which station that half in this letter below whos all the medical records they should not know what I had done at the doctors office oh my doctors name any information like that

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
On XX/XX/2019, SYNCB/TJX CO add a hard inquiry on my credit report per XXXX. 
On XX/XX/2019, XXXX XXXX, XXXX XXXX add a hard inquiry on my credit report per 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 2020-11-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: WI

Complaint narrative:
The first correspondence I received was from the collection agency on XX/XX/2020 a letter saying second request indicating I owed an outstanding bill to XXXX XXXX XXXX  XXXX XXXX which billing and collections is completed by XXXX XXXX. I explained never used that ER physician group. They told me to call the billing place of XXXX XXXX. I did call XXXX XXXX told asked them about the bill they sent to collection the address they had on the account was not mine, it was an Oklahoma address. They said they would check and get back to us. They also said due to HIPPA they counsel not provide me much information. The only address XXXX XXXX had was not mine, it was an address in Oklahoma. The bill was for services at a hospital in Oklahoma and Ive never been to the State of Oklahoma. Meanwhile the collection agency sent this bill to the credit reporting bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/2020 I've applied for a Chase credit card ( Amazon Rewards Visa Signature Card ). Chase made a hard inquiry on my XXXX  credit file, negatively impacting my credit score. 
After a couple of days I've received an email informing me that the new card was approved with a {$7700.00} credit line. That was expected as I already have 2 revolving accounts, always pay on time, and so I get very good scores with all the 3 credit bureaus ( typically in the 749-769 range ). 
When I've received the new credit card in my mailbox, I've logged in on the Chase web portal to activate the card, but found out that since XX/XX/2020 the account is closed. I have never used the card, and the only explanation provided by the Chase Cardmember services was the following : - not enough credit information on file. 

According to Chase this is intentional and is not a mistake on their side. Chase is apparently not willing to re-open the account. 
I've basically taken the hit on my credit score, got the approval, but was never able to use the card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-18 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: MA

Complaint narrative:
Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. 

Name Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have kept all documents sent to the company along with certified mail receipts. I will use this in courts as proof.

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 2020-11-18 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: FL

Complaint narrative:
To Whom It May Concern, I have mailed complaints to TransUnion on XX/XX/2020, and XX/XX/2020, and they have not responded or resolved the matter. I am attaching a copy of the mailed complaint for your records. 
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 
Collection Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor name XXXX XXXX XXXX ( Reason for investigation : inaccurate information. Please Un-verify & delete this information ) Collection Creditor : XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX 
Original creditor name : Diagnostic imaging Services ( Reason for investigation : inaccurate information. Please Un-verify & delete this information )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 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: MS

Complaint narrative:
XXXX, XXXX, and Equifax are reporting inaccurate information on my credit report. 

They have RE-AGED the date of last activity on my account, and in the FCRA lawbook under section 605 ( C ) running of the period it is a violation to re-age the date of last activity and it is a VIOLATION that I can sue them for up to {$1000.00} in fines. This week i am looking to take my credit reports to an FCRA attorney to start the process of seeking damages for EACH violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: EOS Holdings, Inc.
State: NY

Complaint narrative:
The person calling said they were calling from EOS CC, a debt collection. 

My complaint, however, is that on caller ID, they come up as " XXXX XXXX XXXX '', which is a credit card company. A call from them would likely mean a credit card was compromised. 

It turns out, a debt collection agency is having their number appear to come from a different company. 

The number is XXXX XXXX XXXX XXXX. It is not the number for XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I have been out of work due to COVID19 since XX/XX/XXXX. In XX/XX/XXXX TD Auto gave ne an 2 months extentsion. As of XXXX still not back to work they granted me an extentsion but i had to pay XXXX interest in order to get extentsion. I was under the impression it was the COVID-19 extentsion by it being 2 months later. which the president signed into effect the CARES act and that creditors should try to accomodate consumers. they did grant the 2 momths. I am still as of today XXXX XXXX still not working and is onlt receiving the pandemic unemployment of XXXX bi weekly. I called and was denied the COVID-19 extentsion stating i already received the COVID 19 and Hardship and must wait to XX/XX/XXXX for another. when i called in XXXX i explained i still am not working due to underlying medical and covid-19 i though he extended me the covid relief payment extention instead he did a hardship and collected almost XXXX from me which i only get XXXX a month. now i am asking for an extenstion they tricked me into paying the XXXX dollars and made it a hardship which you can only request once a year. Wow what snakes. i am her with the COVID getting worse in florida no sign of me returning to work right now and i was denied any help which all comapnies where given relief funds to help consumers. i do not want to loose my car but this company is clearly about money. i have tried to reduce my payment due to creditors posting negative and missed payments on my credit file i can not re finance at this time. this is AMERICA the home of the Brave ... yeah right. the home of GREED. i want my extenstion granted by TD auto finance.

Company response to consumer: Closed with explanation