vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: OneMain Finance Corporation
State: IN

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report I am a victim of identity theft, and did not make the charge. I asked that the items be deleted to correct my credit report.. I reported the theft of my identity to the federal trade commission, and I also have enclosed copies of the federal trade commission, identity theft, affidavit. Please delete the items as soon as possible.. 
XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Ardmore Finance Corporation
State: OK

Complaint narrative:
They are constantly harassing me and my family and friends. However worse than this, they are calling me at work after being asked to stop which violates the Fair Debt Collection Practices Act. They called my employer on more than XXXX occasion, which will end up making me lose my job. My husband and I are working with a credit relief company, XXXX XXXX, which they have also been informed of, I even provided them with XXXX XXXX phone number for them to call and speak to them, they refuse to do so and instead harass me, my family, my friends and my employer.

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 2024-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
This account is not mine and I never had a contract with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Fees charged for closing account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I opened a savings account with Citi. I did make a previous complaint because they did not award to promised air miles but that complaint was resolved. I closed this account in XXXX, 2023. 

I have now received two XXXX forms for XXXX. XXXX for the correct amount of interest earned. The second was for an incorrect amount for the bonus promotion of XXXX miles. I know this is incorrect because my husband opened the same kind of account, never had a problem and received one XXXX form with both cash interest and an amount for the miles promotion. His single XXXX shows {$300.00} for the miles promotion. The second XXXX I received shows {$600.00} for the miles promotion. I explained in my phone call to Citi that once these XXXX forms were filed, the IRS will expect me to pay tax on an incorrect amount. Citi 's representative 's advice was to ignore it. Having worked in the business world, I know the only way to correct this is the submit ( to me and to the IRS ) a corrected XXXX form. 

I have entered only one account number. However, the second XXXX shows a completely different account number which can be read on the uploaded document.

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 2024-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I was notified of Equifax XXXX XXXX of my personal account information. After XXXX XXXX XXXX. I filed per letter. They settled in XXXX I think. I went on their class action site to check my claim it stated there was no claim. I summited another claim per their site by giving them all information including my social security number to verify I was a member of the class action. I was allowed to file because my claim was verified through their website. I waited several months no settlement was issued and I read online there was a deadline to file for time used to correct what had been breach with my data, identity theft etc. I went back on their site and it said claim was denied. That I am not apart of the suit. That I can not claim for anything even future expense from the data breach. And according to the website I gave up all my rights to sue them with my own attorney? And I read several class action lawsuits to see if they can take your right to sue a company and apparently several state you give up your rights even if you are unaware of the suit or not? How can this be? I received the initial letter by mail and no more written correspondence. Shouldnt I have received something informing me about my claim? I sent receipts, bank statements etc. not one word except the attached emails

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: United Collection Bureau, Inc.
State: TN

Complaint narrative:
This letter is to notify whomever that I have been contesting charges levied by XXXX XXXX XXXX since XXXX of XXXX with multiple phone calls and written letters. I have called their billing office on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and today XX/XX/XXXX. I requested an itemized bill and a coding review both of which were never done. I have repeatedly asked for a supervisor and even sent letters in the mail which have never been answered. 
What I am disputing. The only bill I have ever seen charged me for a moderate ER visit for a laceration. I contest that my ER visit was minor, not moderate, and my daughter did not have a laceration, but an abrasion. She was seen by a medical physician for less than XXXX minutes and XXXX within XXXX minutes of being in a room. How anyone could consider this a moderate visit is beyond my comprehension as an emergency medical provider of 13 years. 

I spoke with the debt collection agency today and told them I was already disputing the charges with XXXX and would dispute them with the agency as well. I asked what documents they would need to dispute the claim and they would not advise. They would only state " you must provide documentation of why you don't think you owe the money '' no specifics were mentioned.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Synovus Bank
State: CT

Complaint narrative:
I opened a prepaid credit card account. Before even receiving the card they charged me {$30.00} dollars for the annual fee. After 3 months I still never received the card but the company started charging me late fees. I called numerous times and all the representatives said that I had yo pay the fee and late charges in order for them to send out a new replacement card. After over 6 months I never received any card but yhe company simply kept charging late fees in an account that I never even activated because I never received the card. Finally in the beginning of XXXX they sent an email that they closed the account and basically ate up my deposit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am aware that you have been responding to many of the disputes, complaints, and challenges with pre-written standard form letters, despite the precise information consumers have provided. I am well aware that this is ILLEGAL ; as each consumer dispute must be addressed individually and dealt with in accordance with its particular merits. My letters have been written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. It is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I must contact my attorney and pursue legal action. 

Heres the list of the questionable items : XXXX XXXX XXXX - Account NumberXXXX I don't recall having late payments on this account XXXX XXXX XXXX - Account XXXX Please verify and validate all data for this unproven claim including the requisite certifiable XXXX XXXX Compliant Reporting Format Standard ( s ) and processes related. Please REMOVE or PROVE! Even document all dates and balances, personal identifiers, the 426 characters of the P6 statement, and all of its trailing fragments, and any other necessary aspect of factual reporting XXXX - Account NumberXXXX Please remove it from my public record XXXX - Account Number:XXXX  Please supply information on how you have verified this item. 
XXXX XXXX XXXX  - Account NumberXXXX This is 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 non-monetary relief
Consumer complaint received 2024-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been going back and forth with XXXX XXXX XXXX for at least 2 years now regarding some accounts they added to my XXXX, Equifax, and XXXX credit reports that absolutely does not belong to me. Every time i ask them to investigate and update their files by removing these accounts that are not mine, they always send a generic letter stating the accounts were verified. I've sent several certified letters to XXXX XXXX XXXX as well as XXXX, Equifax, and XXXX asking for proof or validation of these accounts and each time they just ignore me or resend the same generic letters that says " verified ''. This is how I know they are not doing their due diligence and taking out the time to perform a real investigation. I've even reached out to XXXX, Equifax, and XXXX and pointed out all the discrepancies on my credit reports such as different dates of last activity, different dates the accounts were opened, different spellings of my name, different amounts owed, all from the same accounts but the XXXX credit bureaus all have different information. Outside of the fact that these are not my accounts, all these unfactual discrepancies alone should've had these accounts removed from my credit file. As a consumer I have rights and I feel like those rights have been violated by XXXX XXXX XXXX as well as XXXX, Equifax, and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off my credit report.

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 2024-02-15 00:00:00
Product: Credit reporting 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:
On XX/XX/XXXXXXXX XXXX I lodged a complaint against XXXX, Equifax, and XXXX. The reason behind this action stemmed from my individual disputes with each of these credit bureaus in XX/XX/XXXX. At that time, I had informed them that I had fallen victim to identity theft that I noticed after being released from prison. Upon reviewing my credit reports, I noticed several items that were inaccurately attributed to me. Despite submitting my police report, identity theft report, and government-issued identification to support my claim, I did not receive any response from the credit bureaus. 

As a result of their lack of communication and action, on XX/XX/XXXX, I escalated the matter by filing a complaint with you. In my complaint, I requested that the credit bureaus provide evidence of their investigation into the disputed items. I also demanded that they either remove the erroneous entries from my credit report as mandated by law ( which I referenced in my complaint ) or substantiate the validity of these accounts by presenting supporting documents such as contracts or signatures within a specified timeframe of 15 days. While some deletions were observed on my credit report subsequently, I did not receive any formal response from the credit bureaus regarding the resolution of the dispute. 

On XX/XX/XXXX, I submitted another complaint against these three companies requesting once again the deletion of the disputed items within four days or proof be provided within 15 days. Despite noticing some deletions, there was still no response, and some items remained. 

On XX/XX/XXXX, Equifax responded to the original complaint from XX/XX/XXXX. They stated that they had contacted the furnisher of each disputed item, including XXXX ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, and disputed inquiries and stated that these items were verified as being mine but unlike my two prior requests and law states have not provided any proof regarding their investigation or how they were able to verify this debt. 

The lack of response on these remaining items could be a cause for concern and may require further follow-up with Equifax or the respective companies involved. Failure to do this will leave me no choice but to take legal action because they are suppose to verify each item reported prior to reporting, and I have the right to have each item validated and receive proof of each validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: PNC Bank N.A.
State: AL

Complaint narrative:
XX/XX/2024 CONSUMER FINANCIAL PROTECTION BUREAU Consumer Complaints Division XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX Copy : XXXX XXXX XXXX XXXX XXXX, PNC Bank XXXX at PNC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reference : Property Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX THIS IS A COMPLAINT AGAINST PNC BANK AND XXXX FOR THEIR REFUSAL TO REFUND TO US THE SURPLUS FORECLOSURE FUNDS ON OUR PROPERTY Sir : While awaiting the response of PNC Bank on our original complaint, we conducted further research. Our research indicated that there was no proper endorsement of the note ( loan ) by XXXX XXXX  XXXX ( XXXX ), the original lender, to PNC Bank. 

In addition, our research also indicated that XXXX  XXXX XXXX XXXX ( MERS ) which assigned the propertys mortgage ( or security interest ) to PNC Bank was merely a nominee of XXXX  and had no financial or ownership interest in the mortgage and therefore it was in no position to assign or transfer ownership interest of the mortgage to PNC Bank. ( see attachments ). 

This is related to our complaint previously filed with CFPB that PNC Bank manipulated the calculation of interest and fees so they will eat up all the surplus funds resulting on the sale to XXXX  on our above indicated residential property ( see attachments ). 

We would like PNC Bank to send us, if it is in their possession, a certified true copy of the note endorsement by XXXX XXXX XXXX to them ( PNC Bank ). They can mail us a certified true copy at our address provided below. 

1. It appears that if there was no proper endorsement of the note, then the note still belongs to XXXXXXXX XXXX and PNC Bank had no ownership interest in our residential property that they sold to XXXX. 

2. If that were the case, the SALE TO XXXX WAS VOID.. 

3. As to the matter of fraudulent assignment of mortgage from XXXX  to PNC Bank, this further proves that PNC Bank has no ownership interest on the mortgage, let alone the note, and therefore the sale to XXXX was VOID. 

4. We believe THERE ARE OTHER MEMBERS OF THIS CLASS. We are not the only ones. There should be an audit of all foreclosure sales of PNC Bank XXXX XXXX during that period. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 00:00:00
Product: Credit reporting 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: MD

Complaint narrative:
XXXX, Transunion, and XXXX are currently reporting negative information as a violation to federal laws. The U.S. Bankruptcy XXXX for the District of Maryland stated that they did not provide information to XXXX and neither did I XXXX XXXX provide information or give them permission to report information. 
I dispute the validity of the debt that you claim I owe and request that you provide verification of the debt, including the original creditor 's name and address, the amount owed, wet ink signature, My fingerprints, Original contract. Until such time as you provide verification of the debt, I am exercising my right to cease and desist all reporting activities. Please furnish evidence and proof not statements on how you verified the debt. Statements are hearsay in the court of law. 
Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the original contract. It is alleged debt until it can be proven. With no supporting evidence it must come off the report. 
Failure to complete request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 ) In closing, please acknowledge receipt of this letter and confirm that you have ceased all reporting activities on this debt. Failure to comply with this request will result in further legal 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 non-monetary relief
Consumer complaint received 2024-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX, XXXX, and Equifax are currently reporting negative information as a violation to federal laws. The U.S. Bankruptcy Court for the District of Maryland stated that they did not provide information to XXXX and neither did I XXXX XXXX provide information or give them permission to report information. 
I dispute the validity of the debt that you claim I owe and request that you provide verification of the debt, including the original creditor 's name and address, the amount owed, wet ink signature, My fingerprints, Original contract. Until such time as you provide verification of the debt, I am exercising my right to cease and desist all reporting activities. Please furnish evidence and proof not statements on how you verified the debt. Statements are hearsay in the court of law. 
Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the original contract. It is alleged debt until it can be proven. With no supporting evidence it must come off the report. 
Failure to complete request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 ) In closing, please acknowledge receipt of this letter and confirm that you have ceased all reporting activities on this debt. Failure to comply with this request will result in further legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NCB Management Services Inc.
State: VA

Complaint narrative:
violation of my rights. I have no contract with this company, and they continue to accurately report this account to the credit bureaus. They are attempting to collect a debt not owed! Again, I have no contract with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I applied a CapitalOne QuickSilver credit card in XX/XX/2023 through CapitalOne 's own link on their website. ( See pictures attached below ). It says if I spend {$500.00} in the first XXXX months I will get {$200.00} bonus. However, I did spend more than {$500.00} in the first XXXX months but I did not get the bonus. I called CapitalOne card customer service and talked to a XXXX. But she said I got 1.5 % cash back on my purchase so I can not get the {$200.00}. 
What she said is not true. The attached page clearly shows it's not I can not get only XXXX of them and I should get both 1.5 % cash back and {$200.00} bonus. 
I searched online and found many people have exactly the same experience as mine. It looks like CapitalOne is doing this on purpose. They are using this improper advertising practice to attract people to become their card holders. 
My credit card ends with XXXX, which can be used to identify my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
This account is not mine and I never had a contract with this company

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: PatientFi, Inc.
State: TX

Complaint narrative:
This account is not mine and I never had a contract with this company

Company response to consumer: Closed with explanation