vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX-Date of Inquiry XX/XX/2021 XXXXDate of Inquiry XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
The bank has admitted to sharing my new personal banking information with previous vendors and has sent me this in writing. 

The bank has admitted to acting as my personal accountant by authorizing payments without my content calling it an authorized recurring payment. 

I would like the bank to provide me the authorizing document from me allowing them to approve any recurring payment. 

Further, the bank refuses to end this practice and tells me in order for the authorizing recurring payments to be unable to go through the vendor needs to be informed. ( the vendor was told but does not care because they keep getting the stolen information from the bank directly with their fraudulent relationship ) I want to know when and at which point the vendor had received control over my account to make such claims. 

I would like to know who authorized the bank to process any annual payments without my consent and to share the new security code and expiration date information without my consent. 

The bank has confirmed that their processes and procedures where followed which begs the question why are these procedures not illegal and why is the bank not being charged with fraud and selling customer banking information to the highest bidder

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Automated Collection Services, Inc.
State: TX

Complaint narrative:
I NEVER SIGNED AN ACCOUNT WITH THIS CREDITOR THIS IS NOT THE ORIGINAL CREDITOR .I was never 30 days late. This is a duplicate account US Code 1692e FALSE AND MISLEADING REPRESENTATIONS US Code Notes/ debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation w

hich may be lawfully received by any debt collector for the collection of a debt. ( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney. ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends t o take such action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 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: MD

Complaint narrative:
This account is not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting to my credit reports. I have attached the letters and FTC report that was sent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX which I never received a response for. They are still contacting me and this is still showing on my credit report. I will sue them if they continue to collect/report debt that does not belong to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Lincoln Educational Services Corporation
State: NY

Complaint narrative:
They are violating my rights. Harassing me and caused emotional distress. I was given false information upon attending classes at their facility documents were done in fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Rothman Evans, P.C.
State: NY

Complaint narrative:
XX/XX/2021 I called collections to clarify the validity of bill and ask for an itemized bill as this bill was previously disputed and no further action had been taken. A woman by the name of XXXX, had explained that my bill came from XXXX  and the date, and this amount $ XXXX but couldnt tell me what the amount was from. She stated I would need to sign a waiver to give them permission to get my medical record. When I asked if they had a medical professional working on that office she got upset. I asked to speak with her supervisor. A woman by the name of XXXX got on the phone and repeated what the first woman said. So I told her it made no sense to release my medical records to them if they didnt have a medical professional in the office to decipher medical jargon and shorthand. She got rude and threatened that I would need to pay the bill or go to jail and or court which ever came first and then hung up. 
I never received anything else in writing from them or phone calls. Then I was approached by a sheriff XX/XX/2021 about another bill and since I refused to give him personal information he stated I hope they garnish EVERYTHING you have. 

I do not appreciate the method of recovery and being harassed by law enforcement for this collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 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: OR

Complaint narrative:
XX/XX/XXXX I was told account would be deleted from report as it is paid and it not closed with a balance. 

Account is NOT deleted from report and is still showing a balance. 

Company was suppose to send email and letter showing they deleted account and they never did nor did they show account paid.

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 2021-10-15 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: Experian Information Solutions Inc.
State: OR

Complaint narrative:
XXXX XXXX I was told account would be deleted from report as it is paid and it not closed with a balance. 

Account is NOT deleted from report and is still showing a balance. 

Company was suppose to send email and letter showing they deleted account and they never did nor did they show account paid.

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 2021-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
The week of XX/XX/XXXX, called equifax to get access to my credit report as no lenders have been able to access my credit report because of some hold. 

I have contacted the XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX of XXXX. On XX/XX/XXXX, they told me to check Friday as the documents to verify myself should be in. 

I have went through countless verifications, sent in the documents they have requested by fax and still I can not get access to my credit reports. The documents that I sent were my drivers license, a cover letter explaining what I need done, and also a photo copy of my social security card. 

All I want is access to my credit report and for lenders to have access to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
I am making this complaint for myself. RESURGENT is not an original creditor. This debt does not belong to me and I've never done business or entered into an agreement with this company. RESURGENT RECEIVABLES LLC harmed my credit reputation by reporting negative collection on my consumer report which is a violation of 15 USC 1692d ( 1 ). RESURGENT RECEIVABLES LLC furnished deceptive forms and pursuant to 15 USC 1692j It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. Failure to comply with 15 USC 1692j and 15 USC 1692d ( 1 ) makes RESURGENT liable under 15 USC 1692K, {$1000.00} per violation. Also valuable consideration was never given in regards to my PII and I need to be compensated for the usage of my information. All of my personal identifying information ( PII ), location information, and private property including signatures/autographs hold a value of {$5000.00} in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
On 3 different times Ive disputed this account, had it re-investigated and also spoke with Midland to resolve this issue of validation and inaccurate reporting. They continue to update with the Credit Bureaus and the information is not being properly verified on their behalf as well. The Month of XXXX, XXXX, XXXX, XXXX & XXXX have been verified without notification to me the consumer as to how and Im receiving all the damaging information to my Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Bullseye Collection Agency
State: MN

Complaint narrative:
Received missed call from XXXX at XXXX on XX/XX/21. Number was not saved in phone, not sure who it was. 

When I called back at XXXX, the woman stated Bullseye Financial and asked if my name was XXXX XXXX XXXX XXXX XXXX XXXX. I said yes, that I received an unsolicited call from that number. The woman stated she was from Bullseye Financial and was sent information from law firm regarding a retainer fees debt. 

She never prefaced the call that she was from a debt collection agency, if the call was being recorded or not, or to verify I was the person they were looking for using other demographic information. I hung up the phone, assuming it was a scam call and blocked the number.

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 2021-10-15 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: OH

Complaint narrative:
Starting on XX/XX/2021 I tried to add daughter as authorized user to my Goldman Sach Apple card. Had technical difficulties and was unsuccessful. Reached out to company and absolutely no help. 

Sometime on XX/XX/2021 I was able to get her added. Tried several times to order her a physical card and was not able to do so. Talked to several different reps and nothing but misinformation. 

On or before XX/XX/2021 I received a physical card. I was not able to activate card after several phones calls and text messages with Goldman Sachs. 

XX/XX/XXXX contacted again still not able to activate card. Supposedly been escalated to tech support with no resolution. 

XX/XX/XXXX contacted again no resolution. Told would be 10 ten more days. 

XX/XX/XXXX contacted again no resolution. 

XX/XX/XXXX contacted again no resolution. 

XX/XX/XXXX contacted again no resolution. 

XX/XX/XXXX contacted again no resolution. 

XX/XX/XXXX contacted again no resolution. 

XX/XX/XXXX contacted again no resolution. 

Dates listed are only days I used text messaging. I called many more times trying to get an update and card activated. I am always told someone will call me back and the issue will be handled with in 10 days but no one has called me back or helped me get daughters card activated. I asked for case/complaint number and they said it is against company policy to provide that information. I don't know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: AL

Complaint narrative:
I have no knowledge of this company or alleged debt. I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Comerica
State: GA

Complaint narrative:
This all started in XX/XX/2020 I notified the bank there were unauthorized transactions on my account dates XX/XX/2020 amount {$8.00} {$280.00} {$8.00} XXXX all on the same day from XXXX  XXXX  card to card location XXXX XXXX I do not know anything about XXXX they sent me some form to fill out I did and return them about a week or two later I tried to use my card it said it froze due to fraud suspension I called and called finally I got through and ask why was my account frozen they said I needed to send in my driver license and social security card I did so on a number of occasions so I called and always received a different answer now this has been going for over a year I did what they ask me to it has gotten to be too much I need my money I just want to close the account and received my money a year is too long for any bank. bank name direct express address XXXX XXXX XXXX XXXX XXXX tx XXXX thanks for some help in advance...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: V and H Portfolio
State: TX

Complaint narrative:
I NEVER SIGNED AN AGARAEEMENT WITH THIS CREDITOR. THIS IS NOT THE ORIGINAL CREDITOR. I WAS NEVER 30 DAYS LATE. THIS IS A DUPLICATE ACCOUNT. US Code 1692e False and Misleading Representation Notes/ A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. 
( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 
( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney. 
( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. 
( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken. 
( 6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to ( A ) lose any claim or defense to payment of the debt; or ( B ) become subject to any practice prohibited by this subchapter. 
( 7 ) The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer. 
( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to befalse, including the failure to communicate that a disputed debt is disputed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have been with the BB & T account for about a year.When I opened the account I have had difficulties depositing them at the ATMs and they are never good apart from that when I opened the account they did not inform me that when you make a deposit it has to be before XXXX at night and especially the banks enter a transaction they give the client until the next day to make the deposit I tried to make the deposit and could never have the facility to do it and what this bank does is take him The money to the clients only with a minute that passes you to make the deposit they have stolen {$290.00} in a course of a few days where when I opened the account I deposited XXXX XXXX dollars and today a few days ago I tried to deposit the money and for the reason that they joined XXXX XXXX the system does not recognize the debit card and that's why they steal your money I need you to please help me with that and demand that they give me my money back that bank everyone to him those with financial problems are stolen from clients

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
Consumer complaint received 2021-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc.
State: GA

Complaint narrative:
DEBT COLLECTOR, provide proof by affidavit or declaration, sworn by wet-ink signature signed under the penalty of perjury, DEBT COLLECTOR did not engaged in any conduct to harass, oppress, or abuse claimant including but not limited to placing telephone calls without disclosure of the caller identity, the use obscene or profane language, causing a telephone to ring with the intent to annoy, abuse or harass claimant and/or threatviolence, or other means to harm the reputation, or property of respondent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 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: NJ

Complaint narrative:
I am submitting a complaint because there have been multiple violations against from the credit bureaus, I sent several letters and I have yet to hear anything and it has been over 30 days. 
I sent out out the letters to all 3 bureaus on XX/XX/21. 
As the original creditor only I can validate any debt and I did not validate any debt, Therefore I demand that all violations in dispute on my report must be deleted due to violation of over 30 days and 15 U.S.C. 1692g. I am trying secure financing for a property and this is becoming a heavy burden on my personal family Life.

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