vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-09 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: CO

Complaint narrative:
On XX/XX/ 2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2022-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I owe XXXX XXXX, and Chase Bank. The company that took on the debt, threatened to come by my house to serve me, and has harassed family members that live in other states. They also said theyd go to my family members with threatening documentation for me to avoid incarceration. 
This is wrong, and embarrassing to reach out to family I hardly speak with.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: FL

Complaint narrative:
I have obtained my consumer reports and seen 3 collection accounts on it from Wakefield and associates. The amounts shown on these accounts are {$1000.00}, {$1000.00} and {$430.00}. I am making you aware that my consumer rights is being grossly violated, for one, I do not know how this company obtained my consumer report as I have never done business with them, I don't have any express agreement with this company and or this alleged debt is not permitted by law which violates 15 usc 1692f ( 1 ). Secondly I have the right to priavcy and it is abusive invade a consumer privacy pursuant to 15 usc 1692 ( a ). I don't know how my private information get in this company hands but I am demanding that this company cease and desist communication with me through any and all means this is including communicating with the consumer reporting agencies pursuant to 15 usc 1692c. I am also demanding that you send a valid proof of claim, this includes but not limited to all book keeping entries and and ledger on the account so I can verify this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 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: NY

Complaint narrative:
Hi, my name is XXXX XXXX and I have been trying to get my credit issues resolved with the three credit bureaus. I have reached out to XXXX, transunion, and XXXX via certified mail dating back to XXXX and they have yet to respond via mail or email with results of my dispute and fail to acknowledge that my disputes are even processing. It has been more than 60 days since any one of the 3 bureaus have got back and this involves an FTC complaint # 's XXXX & XXXX in which they have failed to get back to me and none of these accounts stated in the FTC and following documentation are mine. I need to fixed ASAP as this is messing up my credit and un-allowing me to qualify for this apartment I am trying to get,

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 2022-03-09 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Hi, my name is XXXX XXXX and I have been trying to get my credit issues resolved with the three credit bureaus. I have reached out to XXXXXXXX, XXXX, and equifax via certified mail dating back to XXXX and they have yet to respond via mail or email with results of my dispute and fail to acknowledge that my disputes are even processing. It has been more than 60 days since any one of the 3 bureaus have got back and this involves an FTC complaint # 's XXXX & XXXX in which they have failed to get back to me and none of these accounts stated in the FTC and following documentation are mine. I need to fixed ASAP as this is messing up my credit and un-allowing me to qualify for this apartment I am trying to get,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: WA

Complaint narrative:
XXXX XXXX XXXX is charging me for the full amount of my emergency visit after failing to bill my state insurance that would have paid all of it. I called twice and was assured that it would be billed properly and it never was. I contacted my insurance and they never received anything from them. The debt collection agency they are using is not being helpful even though it have proof from my insurance company that they never billed them and they have my insurance information on hand. They told me they would list it as disputed but instead they listed it as a valid debt without providing any proof that they have done their job.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 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: EQUIFAX, INC.
State: IA

Complaint narrative:
I have several inquirys that are not mine, I only approved XXXX finance, XXXX XXXX XXXX  and XXXXXXXX XXXX XXXX & the places I have cards or accounts thru, I have places like aXXXX XXXX XXXX  and XXXX XXXX XXXX just a bunch I dont know why they received my information. I was told my credit equivalent to contact you guys. 

Theres even a collection for XXXX $ on each bereau that was paid to original creditor for {$93.00} directly to XXXX was told it would be removed still not removed from XXXX XXXX or equifax. 


There is a collection on equifax for XXXX, that never once was I notified and I cant reach the people by phone I call press 2 and the phone hands up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AmeriCollect
State: TX

Complaint narrative:
Upon looking at my credit file, Ive found some discrepancies that need to be corrected. I do not have any recollection of dealing with this company. Ive never done business with them and This is not my account nor debt. I and requesting that they provide me with legal validation that this is my debt. In the meantime, stop reporting to every credit reporting agency until legal validation is provided that the debt is mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
There are fraudulent hard inquiries on my credit report that I did not authorize on my XXXX credit report. I reached out to the creditors and they refuse to do anything about it even though I've told them it's fraud. I also reached out to XXXX and they refuse to remove it as well, even though nobody can verify it. 

Hard Inquiries : CBNA - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX of XXXX - XX/XX/XXXX 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 2022-03-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Flight purchased on XX/XX/2022 evening via Chase XXXX XXXX travel booking website with multiple areas stating " Cancel for free within 24 hours of booking. '' Tried to cancel with XXXX Rewards the following morning and they said they can not cancel it -- reached out to airline directly and they can only cancel with {$100.00} fee and credit of remaining balance with airline only.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Atlanticus Services Corporation
State: RI

Complaint narrative:
Fortiva XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX has been sending me collections notices. The collection has been reported as charged off.I do not know this company. 
I have never done any business with this company. This company does not a contract with my signature

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 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: NY

Complaint narrative:
Hi, my name is XXXX XXXX and I have been trying to get my credit issues resolved with the three credit bureaus. I have reached out to experian, XXXX, and XXXX via certified mail dating back to XXXX and they have yet to respond via mail or email with results of my dispute and fail to acknowledge that my disputes are even processing. It has been more than 60 days since any one of the 3 bureaus have got back and this involves an FTC complaint # 's XXXX & XXXX in which they have failed to get back to me and none of these accounts stated in the FTC and following documentation are mine. I need to fixed ASAP as this is messing up my credit and un-allowing me to qualify for this apartment I am trying to get,

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 2022-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
Upon looking at my credit file, Ive found some discrepancies that need to be corrected. I do not have any recollection of dealing with this company. This is not my account nor debt. I and requesting that they provide me with legal validation that this is my debt. In the meantime, stop reporting to every credit reporting agency until legal validation is provided that the debt is mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: FL

Complaint narrative:
We have been contacting the mortgage company for more than six months for a copy of our insurance declaration page or information about the property insurance that was placed by them the lender. We can not get any information about our lender placed insurance policy. We have called over 10 times I have sent emails. I even received a letter from them stating they will provide the information within 30 days like required by law. That letter from them was dated XX/XX/2022 and still nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 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: Santander Consumer USA Holdings Inc.
State: AZ

Complaint narrative:
I had sent in a FTC report stating I have been a victim of Identity theft to XXXX XXXX XXXX they Deleted the account on XX/XX/2021 NOT ONCE BUT TWICE Santander Consumer put it back on my report 2 MONTHS later as it is a violation to me as a consumer such as it took more than 30 days for a response. The creditors only have 30 days to verify the account belongs to me as they did not meet the criteria IM ASKING THIS ACCOUNT BE REMOVED IMMEDIATELY OFF MY CREDIT REPORT!!!!!!!!!!!!! 

The COMPANY IS IN VIOLATION AND NO FURTHER ACTION IS NEEDED AT THIS TIME!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
Upon looking at my credit file, Ive found some discrepancies that need to be corrected. I do not have any recollection of dealing with this company. This is not my account nor debt. I and requesting that they provide me with legal validation that this is my debt. In the meantime, stop reporting to every credit reporting agency until legal validation is provided that the debt is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 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: Experian Information Solutions Inc.
State: IA

Complaint narrative:
I have several inquirys that are not mine, I only approved XXXX finance, XXXX XXXX XXXX and XXXX XXXX XXXX. & the places I have cards or accounts thru, I have places like ally, XXXX XXXX  and gXXXX XXXX  services just a bunch I dont know why they received my information. I was told my credit equivalent to contact you guys. 

Theres even a collection for XXXX $ on each bereau that was paid to original creditor for {$93.00} directly to XXXX was told it would be removed still not removed from XXXX XXXX or XXXX. 


There is a collection on XXXX for XXXX, that never once was I notified and I cant reach the people by phone I call press 2 and the phone hands up.

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 2022-03-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A.
State: CA

Complaint narrative:
Dear XXXX, XXXX XXXX : My account shows " XXXX '' balance. 
I started calling customer service center many times. They said they can't explain. 

XX/XX/XXXX Visit branch office. They said I have to wait for 2 weeks. 

XX/XX/XXXX Branch office called me and ask to close my account XX/XX/XXXX : PNC charge me total of {$400.00} for closing fee. 
XX/XX/XXXX : File complaint for why they charge {$400.00} and why they never notified me? 
XX/XX/XXXX File complaint again. 
XX/XX/XXXX Case manager told me I have to ask branch office for refund and do not contact them any more. 
XX/XX/XXXX : Verified with XXXX branch officer XXXX XXXX XXXX for refund, and she said it ss " very unprofessional and they have no authority ''. 

XX/XX/XXXX : PNC offered me {$84.00} for return. and I said " NO '. 

I should not charged for service which I never used. 
Hope there will be no more innocent victim like me. 

Thanks for your kind support and helping. I can send all documents to your office upon request. 

All the best. 
XXXX XXXX ( XXXX ) XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-09 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: Rocket Mortgage, LLC
State: CA

Complaint narrative:
On XX/XX/2022 I visited the rocketmortgage.com website to request information on a mortgage. I filled out a soft inquiry form and went through the steps. without my permission the page then ran a hard credit inquiry on my credit causing me to get multiple warnings from my bank and credit monitoring company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: USCB, Inc.
State: NM

Complaint narrative:
I had a hospital Bill from XXXX XXXX that was fully covered by my insurance. I never owed the money that they tried to bill me for. The hospital had sent my bill to debt collections. After months of talking to the hospital, debt collectors and my insurance the mistake was fixed. I DO NOT owe the hospital any money my current balance is {$0.00} and has been {$0.00} for over a year. I still get calls about paying this bill and Ive tried to send them proof and contact them. The debt collection company has sent me out of service numbers and incorrect emails to send them proof of {$0.00} balance. I get told theyll look into it and I wont hear anything till they call to collect again. My credit score is ruined and my report says I owe money to them still. Ive filed 3 disputes against them through XXXX but only one dispute went through for a partial amount of the bill. The other two disputes I was told to contact the debt collection company where again I was given an out of service number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Linebarger Goggan Blair & Sampson LLP
State: CA

Complaint narrative:
In XX/XX/XXXX, I received a " Notice Of Intent To Intercept Filing '' from a company, Linebarger Goggan Blair & Sampson , LLP ( LGB & S ) claiming that I owed {$300.00} to XXXX XXXX XXXX XXXX for a traffic citation. I have been a recent victim of Identity Theft and believed this letter to be fraudulent. 

In XX/XX/XXXX, I discovered that I had Unclaimed Property with the State of California in the amount of {$330.00}. I filed a claim for the money and received a XX/XX/XXXX notice from the California XXXX XXXX XXXX that {$300.00} of the {$330.00} would be intercepted and sent to LGB & S. 

I discovered through an online investigation of LGB & S, that the company was fined {$3.00} Million for a Class Action suit for fraudulent and unfair business practices in their debt collections and had received hundreds of negative XXXX XXXX XXXX complaints and company reviews. 

On XX/XX/XXXX, at XXXX, I contacted LGB & S and spoke with XXXX XXXX XXXX I told her that I did not owe money for a citation and would provide proof by email. XXXX XXXX informed me that LGB & S would be responsible for refunding the money if I could prove the debt had been paid. 

Today, XX/XX/XXXX, I used the Case Number from the LGB & S letter to search for proof of payment on the XXXX XXXX XXXX XXXX website ( XXXX XXXX XXXX  ) and discovered that the citation had been dismissed by the court. 

I contacted XXXX XXXX XXXX XXXX by phone at ( XXXX ) XXXX and provided the citation number # XXXX. The Clerk informed me that the citation, which was FOR {$XXXX} ONLY, had been paid, resolved, and dismissed ten years ago in XXXX. 

I sent an email with proof of the citation dismissal and notified the California XXXX XXXX XXXX about the fraud. I also plan to file complaints about the fraudulent activities of this company to other agencies such as the XXXX XXXX XXXX and news media sources to alert the public about Linebarger Goggin Blair and Sampson, LLP as I have proof that they continue to use unscrupulous and illegal means to prey on individuals with unfair and fraudulent business practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-09 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: FL

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2022-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
In XXXX I closed the account and made payments for a year plus but the interest kept increasing the balance and the company refused to assist with the problem. I was unaware that I had other recourse. The company refrained from sending notices. I ran into hardship during corna virus as I contracted the virus and was laid off from my job in XXXX. I have a new job from XX/XX/XXXX until now. 

Without notification Capital took my debt to court and have now sent garnishment paperwork to my new job.

Company response to consumer: Closed with explanation