vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX is in violation of the Fair Credit Reporting Act ( FCRA ). 15 U.S.C. 1681 et seq. for unlawfully obtaining my XXXX consumer report on XX/XX/XXXX without my authorization or a permissible purpose under the FCRA. See 15 U.S.C. 1681b. Specifically, the FCRA provides, A person shall not use or obtain a consumer report for any purpose unless -- ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section : and ( 2 ) the purpose is certified in accordance with section 1681e of this title by prospective user of the report through a general or specific certification. 15 U.S.C.

1681b ( f ). Chester vs Purvis, 260 F. Supp. 2d711 ( S.D. Ind 2003 ). 
I have not initiated any transaction with XXXX XXXX. Further, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with XXXX XXXX for review or collection

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 2021-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MD

Complaint narrative:
I was scammed through Cashapp about 2 months ago. Now the company is using my contacts to request money. I have unlinked my account and contacted cash app customer service and was advised that I would have to create a new account before they can assist me. I'm unwilling to do as I reported to them the fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Creditors Bureau Associates
State: GA

Complaint narrative:
I found out about this debt after getting my credit report. I contacted this company to validate the debt and they have yet to do so. I have not received the required information I asked for according to the FCRA and the FDCPA. I first contacted them on XX/XX/2021, and I didn't hear anything from them until XX/XX/2021, and they didn't validate the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 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 — Problem with personal statement of dispute
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have 3 credit card accounts with Citi Bank and need to refinance my home to pay off the balances. Citi BankXX/XX/XXXXrevised my revolving credit and decreased the available credit due to the following reasons : ( 1 ) late payment ( 1 Day ), Paying low portion and balance is high. I paid the full balance and closed one account. Before the Pandemic my credit score was XXXX and I paid all of my accounts on time. My business is struggling during Covid 19 and I was late ( 1 day ) making a payment on my Citi credit card due to a client paying late on an invoice. 

Citi Card will not lower my interest rate and decreased my credit balance which caused my credit score to go down. Because of Citi Card unfair credit practices I am forced to pay a high interest rates and can not pay off the balances on my accounts.

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 2021-03-24 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: LA

Complaint narrative:
I was so stressed regarding to those unknown and inaccurate account that I've found on my credit report and I've sent documentation for almost 30 days now but I haven't received any response yet. I demand to REMOVE IMMEDIATELY those accounts or I will file litigation.

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 2021-03-24 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: LA

Complaint narrative:
During XXXX XXXX XX/XX/2020, my mortgage company ( XXXX ) allowed forbearance, due to the pandemic. I was granted forbearance during XXXX, XXXX, and XXXX. In XX/XX/2020, I paid the past due amount and became current. I notice that my credit score was reduce because it didn't show that payment was received by my mortgage company during the months of forbearance ( XXXX ). I told Transunion the reason I did not make the payments and they refused to add my credit score back to where it had been.

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 2021-03-24 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
During XXXX XXXX XX/XX/2020, my mortgage company ( XXXX ) allowed forbearance, due to the pandemic. I was granted forbearance during XXXX, XXXX, and XXXX. In XX/XX/2020, I paid the past due amount and became current. I notice that my credit score was reduce because it didn't show that payment was received by my mortgage company during the months of forbearance ( XXXX ). I told XXXX  the reason I did not make the payments and they refused to add my credit score back to where it had been.

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 2021-03-24 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:
XX/XX/2021 I notified XXXX XXXX XXXX now XXXX XXXX XXXX that there was an error on my account as I paid XXXX payment of {$450.00} on XXXX and I received notification that I was showing past due.I immediately followed up with XXXX/XXXX  indicating that I have the receipt showing my account was never past due 30 days. It was then confirmed that I was correct and that the problem was resolved. XX/XX/2021, I received an alert on credit report TransUnion, XXXX, and XXXX  that I was reported late. I then contacted XXXX/XXXX  and spoke with XXXX XXXX to enter the dispute and it will be corrected immediately. On XX/XX/XXXX I received an alert that my credit report dropped 21 points due to this error still showing 30 days past due. I have left countless messages for someone to get back to me and today, left another urgent message to contact me and to no avail have I heard back from this creditor. Also, this has been going on since XX/XX/2021 first with XXXX XXXX who was to fix the problem and now XXXX who I have left a message for a call back. To date, I'm still receiving alerts that I'm past due. When they show payment received!

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 2021-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
MY NAME XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX, OR NEAR XX/XX/XXXX, I WAS NOTIFY BY MY THE CREDIT REPORTING AGENCY THAT SOMENE WAS USING MY IDENITY FRAUDULENTLY .WHILE ON XXXX SOMEONE WAS GETTING UNEMPLOYMENT IN MY NAME ALL MY INFORMATION WAS COMPROMISED. I IMMEDIATLY CONTACTED EDD UNEMPLOYMENT OFFICE I STATED THAT MY ADDRESS NAME SS WAS BEING USED FRAUDULENTLY AND MY ISSUED XXXX BENEFIT CARD FROM BANK OF AMERICA WAS NOT WORKING / I CONTINUED TO WARN AND NOTIFY BOTH BANK OF AMERICA AND EDD XXXX MY INFO HAD BEEN COMPROMISED STOLEN, WHICH TAKE 60 DAYS FOR ANY ONE TO RESPOND. I WAS TOLD TO SENT ALL MY INFO IN TO VERIFY MY IDENITY WHICH I DID TO ALL AGENCIES INCLUDING SOCIAL SECURITY OFFICE .WITH NO RESPOND ON STATUS AFTER CALLING ALL THE AGENIES FOR 7 MONTHS STRAIGHT, WHICH I WAS TOLD SUPERVISOR WOULD CALL ME BACK WITHIN 48 HRS WHICH IT NEVER HAPPEN. ON OR NEAR XX/XX/XXXX I CALLED EDD UNEMPLOYMENT MY NAME WAS CLEARED BANK OF AMERICA WAS NOTIFY TO RELEASE THE HOLD ON MY BENEFIT CARD AND REPENISH ALL THE FRAUDULENT ACTIVITY BANK OF AMERICA HAS NOT FOLLOWED THE GUIDELINE AND STILL HASNT UNFROZEN NT BENEFIT OR NOR RELEASE MY MONEY I NEED HELP

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 2021-03-24 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
XX/XX/XXXX, I opened an account with American Express Serve in order to keep a prepaid card loaded with funds for a close family friend. 

XX/XX/XXXX, after over 2 years using the account in this way, American Express Serve XXXX & suspended my account. My attempt to resolve this with them was declined on the same day. 

Since then, for the past 5 years, American Express has emailed me almost monthly an email with the subject " Your scheduled transfer was unsuccessful ''. The email 's contents indicate that they still have my bank account information and are routinely attempting to draft funds from my bank account into this account. 

I have contacted American Express multiple times, most recently XX/XX/XXXX, regarding this issue. Their response is always the same. They say it is impossible for them to stop emailing me, impossible for me to log in to the account to disable this automatic draft attempt, impossible for them to delete my bank account information they continue to hold and attempt to withdraw funds from. Almost every month for 5 years I receive a notice that American Express is trying ( and so far failing ) to draft funds from my bank account into a cancelled account, and every time I talk to them I am told that I will have to live with this forever. After 5 years of reminders that American Express is holding my bank account information and trying to take money from it each month, I am filing this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-24 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
In XXXX and XXXX of 2021, I filed a dispute withExperian about the unverified XXXX  XXXX  Account number XXXX and XXXX. In those 2 months I have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from these bureaus in over 30 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about these four unverified accounts as of today. 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 2021-03-24 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:
XX/XX/2021 I notified XXXX XXXX XXXX now XXXX XXXX XXXX that there was an error on my account as I paid XXXX payment of {$450.00} on XXXX and I received notification that I was showing past due.I immediately followed up with XXXX/XXXX  indicating that I have the receipt showing my account was never past due 30 days. It was then confirmed that I was correct and that the problem was resolved. XX/XX/2021, I received an alert on credit report XXXX, Equifax, and XXXX  that I was reported late. I then contacted XXXX/XXXX  and spoke with XXXX XXXX to enter the dispute and it will be corrected immediately. On XX/XX/XXXX I received an alert that my credit report dropped 21 points due to this error still showing 30 days past due. I have left countless messages for someone to get back to me and today, left another urgent message to contact me and to no avail have I heard back from this creditor. Also, this has been going on since XX/XX/2021 first with XXXX XXXX who was to fix the problem and now XXXX who I have left a message for a call back. To date, I'm still receiving alerts that I'm past due. When they show payment received!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XX/XX/2021 I notified XXXX XXXX XXXX now XXXX XXXX XXXX that there was an error on my account as I paid XXXX payment of {$450.00} on XXXX and I received notification that I was showing past due.I immediately followed up with XXXX/XXXX  indicating that I have the receipt showing my account was never past due 30 days. It was then confirmed that I was correct and that the problem was resolved. XX/XX/2021, I received an alert on credit report XXXX, XXXX, and Experian that I was reported late. I then contacted XXXX/XXXX  and spoke with XXXX XXXX to enter the dispute and it will be corrected immediately. On XX/XX/XXXX I received an alert that my credit report dropped 21 points due to this error still showing 30 days past due. I have left countless messages for someone to get back to me and today, left another urgent message to contact me and to no avail have I heard back from this creditor. Also, this has been going on since XX/XX/2021 first with XXXX XXXX who was to fix the problem and now XXXX who I have left a message for a call back. To date, I'm still receiving alerts that I'm past due. When they show payment received!

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 2021-03-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
SLS.net has been my loan servicer since XX/XX/2020. There's a late charge of {$2000.00} that was added to my account. I have been trying to get SLS.net to provide proof of when the charges have been incurred and they keep sending other documents besides the document being requested.

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 2021-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed 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 2021-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
Company finally closed my account on XX/XX/21 in the amount of {$3500.00} with the line item stating " transfer withdrawal. '' They have not sent any form of confirmation as to WHERE my money is and how long it will take to be received by me or anyone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 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: FL

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 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:
I was contacted by Account Resolution Services [ referred now as : ARS ] about a delinquent Medical Bill supposed incurred from 'Paragon Contracting '. When I asked 'what Doctor ' or 'medical service ' that XXXX represented, the response on XX/XX/21 was only, XXXX Contracting '. The letter also reads : ( NOTICE : SEE REVERSE FOR MORE IMPORTANT INFORMATION ) however, the reverse is a blank page. 
The recent contact by XXXX requested I 'settle ' a non-existing, 5 year old bill, by asking me to pay them 1/2 the amount to 'settle '. They use the Credit Report Agencies to shake people down forcing us to pay or else have ruined credit. 

When investigating 'Paragon ', the XXXX shows over 120 complaints regarding their demand for payment of non-existing services. 
ABS, their 'Bill Collector ', has over 6,000 complaints with CFPB, alone! 

It seems apparent that these two work together to form a Medical scam and use ruined credit to extort monies from those vulnerable. 
How many complaints does CFPB need before action is taken?

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 2021-03-24 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I was notified on XX/XX/2021 by SYNCB/PAYPAL CREDIT CARD, XXXX XXXX XXXX, XXXX GA, XXXX via their website that my PayPal and XXXX credit cards through Synchrony Bank were canceled. I called both PayPal and XXXX and was told that my cards were canceled due to high risk. I explained I have never had a late payment and in fact had a credit balance with the XXXX card and had no balances on any of my credit cards. In both cases, I spoke to a supervisor and they both said there was nothing they could do. Both groups advised I should submit a formal complaint and neither had any avenue in which to file such complaint other than note the file. I have worked very hard to protect my credit and ensure I never have any issues with my credit card companies. The cancellation of the cards has negatively affected my credit score through no fault of my own. I am in the process of buying a new home and the lender said has told me the drop in score will at a minimum increase my interest rate or unbelievably not allow me to secure the loan.

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