vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: John C. Heath, Attorney at Law, PLLC
State: IN

Complaint narrative:
I got help from Lexington Law to help me remove a couple of items from my credit report. On XX/XX/2021 they charged my bank account {$120.00} for their monthly services, which was fine, I expected to have to pay that ... But I called to cancel my account with them after just a couple of weeks because they had accomplished what I needed for them to and so I wouldn't be needing their services anymore. They never emailed me anything to give me a bill or an account number or anything, so naturally while I was speaking with one of their customer service representatives, she was unable to find anything in her computer on my case. She said that there was nothing more that she could do for me. I thought, well maybe I had already called and canceled it at some point and had just forgotten, because I had had to call on several companies to cancel things that I was no longer using, trying to clean up my credit report and other things because I am wanting to purchase a new house soon. And then on XX/XX/2021 they charged my bank account another {$120.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical Data Systems, Inc.
State: TX

Complaint narrative:
They have my private medical information violation of 15USC 6802 ( b ) ( B ) and ( C ) and 15 USC ( a ) ( 4 ) my right to privacy, i have already sent them via certified mail # XXXX XXXX XXXX XXXX XXXX my first dispute letter and i have a complaint id # XXXX as well they are in total disregard for the law and this is their opportunity to cure their defect and the certified mail number XXXX XXXX XXXX XXXX XXXX 2nd attempt to follow the law THIS IS NOTICE OF THIER OPPORTUNITY TO CURE THIER DEFECT AFTER THAT A NOTICE OF DEFAULT WILL BE ISSUED AND I WILL TAKE THEM TO COURT AND GIVE THIER REGISTERED AGENT PROPER NOTICE OF ACTION

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 2021-06-10 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Multiple hard inquiries initiate it on my credit report without consent this is a federal violation of the creditors that Ive tried to issue and access my credit report without authorization and or consent given initiated several written letters Recieved Federal Certified mail to all three major credit bureaus XXXX XXXX and Experian to remove these credit hard inquiries off of my credit report 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 non-monetary relief
Consumer complaint received 2021-06-10 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: Chime Financial Inc
State: MI

Complaint narrative:
I purchased a service with my credit card. The company to date never performed service. I dispute the charge with the bank which is Chime. I f=contacted Chime in XXXX to open a dispute. They contacted me two days ago sating the investigation was complete and no error on the merchant was found. 

This company NEVER performed the service yet Chime found in their favor. I requested the documents they used to arrive at their nonsense position. They said it could take up to 30 days to provide. that to me. 
They did not investigate my account following master-cards guideline and am still owed the original {$350.00} charge from the non performed service

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
I received a copy of my credit report and found the following items to be errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 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: KY

Complaint narrative:
This account is not mine and I do not want to see this account in my credit report! Could you please remove it as soon as possible because its not 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 2021-06-10 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: KY

Complaint narrative:
This account is not mine and I do not want to see this account in my credit report! Could you please remove it as soon as possible because its not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 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: TX

Complaint narrative:
HELLO IVE BEEN TRYING TO REACH OUT TO THE THREE CREDIT BUREAUS. ABOUT THESE INACCURATE NEGATIVE ACCIOUNTS THAT I BELIEVE ARE NOT MINE.I SENT A LETTER REQUESTNG THAT I WANTED TO SEE VARIABLE PROOF OF THE FOLLOWING ACOOUNT THAT I HAVE NOT RECEIVED. I HAVE DISPUTED 2 TIMES. ALL THREE BUREAUS ARE IN VIOLATION ON 15 USC 1681B. XXXX XXXX XXXX {$27000.00} I HAVE BEEN DISPUTING SINCE XX/XX/2021 ACCOUNT NUMBER- XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: MO

Complaint narrative:
We fell behind due to hour reduction at our jobs due to covid. I am the only one on the mortgage. My husband just contributes money to it. I got 3 payments behind, I contacted the company, they sent me a loan modification application. I filled it out including only my income and a small amount of what my husband actually contributes because I had gotten the loan on my income, so I wasn't adding much of his, even though I have more money of his at my access. They denied my modification, so I told them I actually had more income from my husband, who is not on the mortgage, and they wanted a paystub for him. He is a contracted worker, and gets paid per job. Why did they need his paystub? He is not on the loan. Then I got a call from an outside agency that said my house was in foreclosure, I said no, because I am filing an updated modification. So I called the mortgage company, they confirmed the foreclosure and said that they can foreclose even if modification is in process. I know this to be false. What can I do, and do quickly?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 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: TX

Complaint narrative:
EQUIFAX IS REPORTING DUPLIACTE ACCOUNTS WHICH IS HURTING MY CREDIT RATING. I have submitted 6 months of requests where they would remove some then add them back on. Listed below are the accounts 1. XXXX XXXX Acct # XXXX ( 2 DUPLICATES ) 2. XXXX XXXX Acct # XXXX ( 2 DUPLICATES ) 3. XXXX  XXXX XXXX Acct # XXXX ( 1 DUPLICATE ) 4. XXXX Formerly XXXX XXXX Acct # XXXX ( 3 DUPLICATES ) 5. Account # XXXX with no Furnisher Information reported ( 2 DUPLICATES ) EQUIFAX is not reporting who the original Furnishers or Collection Companies are for the following accounts so I am not sure how I am suppose to know if this is my Account or Fraudulent or who I pay if these are my accounts 1. Account # XXXX 2. Account # XXXX 3. Account # XXXX 4. Account # XXXX 5. Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/2016 with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 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: GA

Complaint narrative:
Its been 30 days since I have sent in my 30 days to comply for invalid information on my credit report. I sent a letter on the XXXX, and XXXX  I haven't heard anything back after the 30 day time period, and I still haven't heard anything back. By law I understand you guys have to comply with my request of deletion of the negative items I have listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 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: CITIBANK, N.A.
State: NY

Complaint narrative:
There appears to have been some sort of glitch on the Company 's part whereby I'm being charged for funds returned to sender that were never actually credited to my account. 

They're calling this a " Payment Correction '', which is showing as a charge. 

They're claiming that because funds were returned to sender the " Correction '' merely reflects that funds came in, we're credited to my account, and then returned, hence the correction. 

However, if it were actually a correction, the net result would be zero, with no charge to me. This is not the case. 

To me the correction is showing up as a charge because the funds were never actually credited to my account. The sender itself acknowledged to me -- and I shared this documented acknowledgement with the Company -- that the balance transfer never went through because " the check was never cashed ''. 

I've gone back and forth with with the Company on this matter, getting supervisors to review the account and agree with me. 

Nonetheless, when the matter has been submitted to Investigations for confirmation, they've only ever come back insisting that I owe the money because funds were returned to sender. 

Investigations is completely overlooking the fact that funds were never credited to my account. 

The funds in question consist in a balance transfer requested, but not received, in the amount of {$3800.00} on or about XX/XX/2018.

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 2021-06-10 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: CA

Complaint narrative:
In my last complaint, I asked Equifax to give me to access my myEquifax account. I am unable to log in and access it, therefore can not make disputes ( or see any of my own info ) and now still can not check to see if they even fixed the one thing I was trying to dispute in my account that they said they would.

Instead, they told me to make an account! But the whole problem, to begin with, is I already have one ( which means I can't make a new one ) and I can't access the old one because I'm locked out.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
CC JPMCB - CARD SERVICE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX medical PROFESSIONAL XXXX XXXX XXXX XXXX XXXX XXXX UNIV MED CTR PHX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 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: TN

Complaint narrative:
XXXX XXXX XXXX reported 120 days late to the credit bureaus in XX/XX/2019. I provided my new address and was told I would receive the final bill. I never received the final bill from XXXX XXXX XXXX. I've sent certified letters to XXXX XXXX XXXX disputing the negative item they state it is correct. I moved from the billing address on XX/XX/2019, the collection showed 120 days late on my credit report. I have disputed with XXXX & XXXX, Equifax, XXXX, and XXXX. XXXX  removed the negative item based on the documentation I sent them. Equifax and XXXX  XXXX XXXX XXXX XXXX keep confirming the collection. They have since updated the balance to XXXX  from {$280.00}. I paid the bill as soon as I saw it XX/XX/2019 on my credit report. All of my past history with XXXX XXXX XXXX is positive, they are not showing past history. 

Equifax is showing the negative item on the report twice which is further impacting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 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: MD

Complaint narrative:
When I recently called transunion they told me they can not take off the fraudulent inquiries on my report. I do not know where they came from. I am a victim of an inquiry issue, and I need it removed immediately. Please help. This is the list of negative items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Source Receivables Management LLC
State: TX

Complaint narrative:
Hi I left XXXX over a year ago in pursuit of a cheaper monthly plan due to hardship which on numerous of times was discussed with XXXX Reps. I then went to XXXX who a little while after purchased XXXX. Before doing so, while at XXXX I contacted XXXX who stated I had a bill to settle for about {$300.00} dollars. XXXX would not take the XXXX Note that I had as a trade in so per XXXX I needed to return it and they would credit that to my account and I would only owe what was left and make a payment plan. I spoke to a XXXX XXXX who states they would send me the info to return the phone and after several other attempts that still did not happen I guess due to the pandemic chaos, im assuming. Then shortly after I started to get many many calls every day from a third party collections ( SOURCE RECEIVABLES MNG ), and now an attorney 's office ( XXXX XXXX XXXX XXXX trying to sue and/or harassing me to settle the bill that I have honestly tried to settle with XXXX directly and now charging me over {$2300.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Credit Services Inc.
State: NJ

Complaint narrative:
I sent a validation of debt letter in the mail on XX/XX/2021 and have not received the info I requested within the 30 day period I stated in my letter, I am asking you to remove / delete this debt from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Please see original complaint # XXXX Submitted on : XX/XX/2021 Please see the details in the attachments. 

After I had filed my original complaint, the CFPB contacted Bank of America, who responded by sending me an email ( see attached ) from a department titled " Regulatory Complaints ''. 

I followed instructions by immediately calling the number listed and the extension of the involved party. 

When the number first connected, the prerecorded opening says, " this is an attempt to collect a debt '', it never mentions Bank of America. 

The extension number goes right to voicemail. I left 4 total messages between XX/XX/XXXX, XXXX, and XXXX. I have yet to receive the promised callback within the 48 hours promised in the initial email. 

I tried calling Bank of America directly on XX/XX/XXXX to inquire about this department but nobody I spoke to initially, 4 people in at least 3 departments, seemed to be able to figure out if this department actually exists or how to contact them if it did. 

I was finally connected to a person, XXXX XXXX, in the credit department, who was able to figure out how to interpret the codes on the notes in my account and located the " Regulatory Complaint '' department. XXXX XXXX told me that XXXX XXXX, the individual who I am supposed to contact, was not online at the moment but suggested that he should soon be online and I should expect a call from him soon. That call still has not materialized. 

XXXX XXXX has also provided me with the supervisor, XXXX XXXX, for XXXX XXXX. I have yet to attempt to reach out to XXXX XXXX as I feel this whole episode has been a horrible display of mismanagement and ignorance. 

My perception of this whole issue is that Bank of America is only interested in making money and saving itself from bad publicity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
The reporting of this alleged debt violates 15 usc 1692. I requested for this debt to be validated in writing after noticing that this alleged debt was being reported to the credit agencies. I never received a written notice of right to dispute from the creditor which violates 15 usc 809 ( a ). Then after requesting the alleged debt to be validated ( not the contract ) I never received notice of the validation after the investigation by the creditor which violates 15 usc 809 ( b ). Instead of validating the alleged debt the creditor continued to collect on this debt which violates 15 usc 809 ( b ). The fact that my request to validate an alleged debt was ignored by the creditor is a violation of 15 usc 809 ( b ). This violates 15 usc 1692j, 15 usc 1605, and 15 usc 1. The handling of this alleged debt violates the FCRA, FDCPA, and causes defamation of character. This account and all info related to this alleged debt should be removed as soon as possible for all credit reports before I report this case of fraud to the FTC and CFPB. This alleged debt can not be validated by anyone other than myself and this is not my debt

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
REPORTING NEGATIVE ON MY CREDIT REPORT MEAN WHILE I WAS NOT MADE AWARE OF THIS CHARGE AND HOW IT CAN AFFECT MY CREDIT AND MYSELF IM AWARE SECTION 609 REQUIRES YOU TO HAVE PROOF OF OWNERSHIP, DID NOT SEND ME ANY DOCUMENTATION BEARING MY SIGNATURE FOR THIS ALLEGED DEBT OR ACCOUNT INACCURATE DATE OPENED XXXX  STATES DATE OPENED XX/XX/XXXX XXXX  AND XXXX  STATES DATE OPENED XX/XX/XXXX INACCURATE LAST REPORTED DATE XXXX  & XXXX  STATE XX/XX/XXXX WHILE XXXX  STATES LAST REPORTED XX/XX/XXXX INACCURATE DATE LAST ACTIVE ON ALL 3 CREDIT BUREAUS XXXX  STATES LAST ACTIVE XX/XX/XXXX XXXX  STATES LAST ACTIVE XX/XX/XXXX XXXX  STATES LAST ACTIVE XX/XX/XXXX THIS ACCOUNT IS INACCURATE AND IT IS NOT UNDER FCRA COMPLIANCE

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
National Credit Systems is reporting a collection accounts on my credit report acct # XXXX. I was told that I allegedly owe a debt to XXXX apartments. When you XXXX the XXXX apartments or the address they have listed on my credit report with this property no information about this apartment comes up I also asked this company to provide me with the contract that they have between The XXXX apartments and they refused to provide me with the information requested. I believe this alleged debt to be fraudulent

Company response to consumer: Closed with explanation