vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-23 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: TX

Complaint narrative:
I think you're company have violated the FCRA law for not handling my situations properly, I sent you a dispute letter regarding the inaccuracies and errors on my report but its been over a month, and those accounts are still on my report pulling down my scores. I'm filing a complaint not only on CFPB but only with Atty General this time

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 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: FL

Complaint narrative:
XXXX XXXX XXXX, I the victim of the fraud, am requesting that XXXX XXXX XXXX, according to section 623 ( A ) ( 1 ) ( A ) ( B ) cease reporting this inaccurate information to the consumer reporting agencies as I have previously requested, and l am aware that this is subject to a {$1000.00} fine per violation in addition to punitive damages. 
XXXX demanding remedy for the following -Fair Debt Collections Practices Act 15 USC 1692g -Fair Debt Collections Practices Act 15 USC 1692e -Fair Debt Collections Practices Act 15 USC 1692f -Fair Debt Collections Practices Act 15 USC 1692k - FCRA Section 623 ( a ) ( 3 ) - FCRA Section 623 ( a ) ( 1 ) ( a ) ( b ) = {$6000.00} TIMES TWO for the reporting of both fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have disputed XXXX  XXXXXXXX XXXX XXXX with the bank and with the credit bureaus. The information is incomplete. I will post pictures of this violation and now i want the account deleted and removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XX/XX/XXXX XX/XX/XXXX Had to close a checking acct at Citi Bank due to losing checkbook. No longer had access to account online, message was " account closed no access '' Went to a local branch in XXXX, CA on 2 occasions. Requested copies of statements & canceled checks for calendar year XXXX. 
Told could give me copies of statements but not of cancelled checks being a closed account. Emphasized account used for payroll & needed cancelled checks for XXXX income taxes. 
XX/XX/XXXX Decided to call their XXXX service # to request and was given the same answer given at the XXXX, CA branch. 
Kept my appointment for filing of taxes on XX/XX/XXXX. Told by CPA the urgency of getting cancelled payroll checks. 
I file as self-employed. 
Please help me obtain a copy of cancelled payroll checks.

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 2023-03-23 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: FIRST HOME MORTGAGE CORPORATION
State: MD

Complaint narrative:
I was approved for a forbearance on my mortgage account for the months of XXXX, XXXX and XXXX of XXXX because I was suddenly medically retired, and my pension checks did not arrive for three months. I was told to call back in the third month to resolve the forbearance and decide how to move forward. I called back, and was told that I would be able to defer my payments to the end of my loan, and that I should start making payments again in XXXX, and I would receive something in the mail in the next few months. I started making monthly payments again in XXXX, but never received the mail. In XXXX, I observed that my credit score had dropped, and that the mortgage company was reporting every payment I was making to be three months late. I called back to inquire what was happening, and was told the original person I spoke to at the end of my forbearance never submitted the paperwork to end my forbearance and defer the three months of payments. I was told it would be submitted for the deferral and to their research department to fix the errors in my credit report. I did not receive another call, so in the beginning of XXXX, I called again to ask if they had resolved it, and was told that I could email their research team with the deferral approval letter, so they could fix my credit report. The letter states that my loan is brought current, and the previous late fees that were given in error would be removed. I then received an email reply that says since the company did not submit the paperwork correctly for end of the forbearance, my XXXX payment was applied to XXXX, my XXXX payment was applied to XXXX, and so on. This has led to almost a year of payments being reported as three months late. The fault lies with the mortgage company for not submitting the end of my forbearance correctly. Since I was not notified that something was wrong, now almost a year of payments are reported late on my credit report, and my once very good credit score, is very low. I have shown the credit companies this deferral letter, but they have not fixed it, and have told me that I need a statement from the mortgage company fixing the mistake they made. The mortgage company continues to say that they have reported this accurately, when they have not. I was approved for a three month forbearance and deferral, I never missed a payment, and I was never late on the payments that they told me to make, however they are reporting to the credit agencies that I was late on every payment since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
My complaint is in regards too an offer being offered by Capital One 360. When I logged into my mobile app, there was an offer that indicated if I opened a 360 Performance Savings account, depending on the amount of money deposited into the account I could receive a bonus up to {$1000.00}. My initial deposit would have been {$30000.00}. However, when trying to access the reward it disappeared and when I went back into my account it was no longer there. I called the customer service number and the associate that I spoke with indicated that this was a glitch and that I should not have received the offer for the award. He also indicated that three other people had called in with the complaint. 

Given that it was no fault on my end, and the fact that associate indicated that it was an issue on the bank 's side, the offer should have been honored. The fact that the bank has refused to honor a offer that they marketed to me is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TN

Complaint narrative:
Transworld Systems Incorporated is trying to collect a medical debt that I do not owe. I contacted Transworld Systems on XX/XX/XXXX at XXXX XXXX. 
No date of service was provided on the mailed collection letter I received on XX/XX/XXXX but after speaking to a representative, XXXX from Transworld Systems, she told me the date of service was shown as XX/XX/XXXX. I had already spoken with a supervisor named XXXX at the XXXX XXXX billing dept . who said that they do NOT use Transworld Systems Inc for any collection purposes and that she checked by using my social security number and found that I had a XXXX balance and owe them nothing. XXXX, at Transworld Systems, said that a dispute would be filed but refused to give me a transaction number of the dispute. I told her that I was recording the conversation and she became arrogant and hung up the phone. 
Transworld System is listing my supposed debt account as # XXXX and the letter was printed on XX/XX/XXXX in the amount of {$1700.00}. Transworld Systems says that I owe it to XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX with a bogus creditor account number of # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 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: IN

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC
State: AL

Complaint narrative:
Upon checking my consumer report. I see that your company is reporting a account on my report saying that i owe your company {$1800.00}. I have tried to deal with your company in resolving this account but i am getting a hard time. I even got told that i would be sued if i didn't pay this account. I am a victim of fraud and this company i do not owe. I also never gave your company written consent or put my signature on anything with your company. I have tried to the best of my abilities to get this solve with no effort from the company

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Pinnacle Financial Group, Inc.
State: GA

Complaint narrative:
Dear I am writing in response to your letter dated. 
( copy enclosed ) because I do not belleve I owe what you say I owe. 
This is the first I've heard from you, or any other company on this matter therefore, in accordance with the Fair Debt Collection Practices Act, Section 809 ( b ) : Validating Debts I respectfully request that you provide me with the following information : * ( 1 ) the amount of the debt; * ( 2 ) the name of the creditor to whom the debt is owed : * ( 3 ) Provide a verification or copy of any judgement ( if applicable ); * ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. Also be advised that I am keeping very accurate records of all correspondence from you and your company.

I have disputed this debt ; therefore, until validated you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ) then, you must immediately inform them of my dispute with this debt.

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act $ 1681s-2. Should you pursue a judgement without validating this debt, I will inform the judge and request the case be dismissed based on your failure to comply with the FDCPA.

Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware of my dispute with this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXccount Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX has violated my rights. Or a list of Inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc.
State: DE

Complaint narrative:
Tek Collect placed a collection account on my credit report that does not belong to me and was not verified. I have never entered into a contract with Tek Collection or any affiliated parties. Tek I.D number is XXXX. I requested validation of this debt by requesting the original contract and Tek Collect sent me a document that was a proposed treatment plan from a 3rd party that clearly states " This is not a contract to buy ''. I have made Tek Collect aware that they did not provide the requested information and demand this collection account be removed at once. The proposed treatment plan is attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I just got a letter of cancellation of debt from chase and I never had a chase account and its stating that Im in debt of XXXX. Im confused and I know its fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 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: Rausch Sturm LLP
State: TX

Complaint narrative:
In XXXX of XXXX i was notified that i owed a debt for a " XXXX XXXX XXXX XXXX' to a firm named Rausch Sturm LLP. They sent me a letter giving me a chance to dispute this and i responded immediately and did. They never responded. I thought that meant they did not have the proof that this was my account and i owed them anything so i thought it would fall off my report. It did not. Then in XXXX of XXXX, they tried to swindle me again. Sent me the exact same letter they sent me in XXXX of XXXX. I once again responded immediately. Again, no response, but this time i was not going to let it keep destroying my score. I waited 40+ days for a response, they did not, so i sent ANOTHER letter and they never responded again. It is clear they do not have anything substancial tying me to this debt they say is mine and have been breaking the law for some time now. I will attach all my their letters and all mine on to this complaint. I have the numbers for certifed mail too so I know they received my letters in response. They have continued to destroy my credit since then for no good reason.

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 2023-03-23 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: NY

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
A utility bill was opened in my name without my knowledge or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CBE Group, Inc.
State: NY

Complaint narrative:
Being billed from XXXX for services that they will not disclose or give any explanation to. Itemized bill just states money owed for deferment plan in the amount of {$480.00} when no deferment arrangement was ever made with the company. CBE group is the collection agency that is handling the debt collection and they have provided a billing statement but that statement has given no explanation of why any money is owed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Continental Services Group, Inc. d/b/a ConServe
State: OR

Complaint narrative:
Conserve Employees show last collection made on account was in XXXX yet they falsely reported a collection attempt in XXXX of XXXX. They don't even have record of the collection attempt in their records and still falsely reported an attempt to collect an already paid off debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/2023 I noticed a pending charge on my Amex credit card for the amount of {$60.00}. I disputed this charge with American Express as it posted several days later. American Express eventually closed the dispute without resolution. They said the card was used in person with no other details given. The charge was processed through a payment processing company called XXXX, and the name of the company accepting credit is a XXXX company called XXXX XXXX XXXX. 
I re-opened the dispute and have waited another 2 months for a resolution. The last 2 times I called Amex I was on the phone an hour each time, but the reps eventually hung up on me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I bought jewlery from Jared and signed up for their Comenity Bank credit card, which offers an 18 moth deferred interest term. The website for the card allows me to set up automatic payments on a monthly basis- but they do not allow you to change the date the automatic payments are made. The only date you can choose is the exact date the payment is due. This has the potential to be an issue if there some kind of failure, holiday, disaster, etc and the payment is not sent - I would most certainly be dealing with late charges. As a consumer I should be able to determine what day of the month my automatic payments are sent, just as I am able to do with any other credit card.

Company response to consumer: Closed with explanation