vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CMRE Financial Services, Inc.
State: TX

Complaint narrative:
I sent a debt validation letter on XX/XX/20 asking that they would validate the amounts of XXXX listed on each bill they claim I owe. This company has failed to validate my debt. Instead they sent a list of medical records which I know is a direct violation of HIPAA Regulations. I never signed a HIPAA Release Form authorizing them to have access to this information. My privacy has been violated completely. Please delete this from my credit file and cease all collection activities immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Scott Fetzer Financial Group Inc.
State: PA

Complaint narrative:
On XX/XX/2020 purchased a product door to door sell of the XXXX XXXX XXXX from XXXX XXXX XXXX XXXX putting {$500.00} upfront and {$4300.00} financed through United Consumer Financial Services. On XX/XX/2020 I informed both the bank and company that I was cancelling the item. I sent an email with cancellation paperwork to the bank and a certified letter of cancellation through XXXX to XXXX XXXX XXXX XXXX on and before XX/XX/2020. I also spoke to XXXX the seller of product on XX/XX/2020 informing of cancellation and pickup of product. On XX/XX/2020 I received a letter stating my account was closed and cancelled. On XX/XX/2020 I received a call from XXXX at United Consumer Financial Services stating that my account was reopened without my consent or knowledge and I now have a past due balance of {$4300.00}. When talking to XXXX at the bank she informed my XXXX XXXX XXXX XXXX are not honoring my cancellation and therefore requested my account be reopened against my knowledge or consent. I've made more than 20 calls to XXXX XXXX XXXX XXXX and spoke to XXXX one time no one answers or returns calls. They are refusing to pick up the product as they have stated it is their responsibility to pick up their merchandise.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 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: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020, XXXX XXXX, XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, SUNTRUST XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX  XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2020-12-18 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: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX XXXX, 2020, XXXX XXXX, XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, 2020, XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, 2020, CITIZENS ONE add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Equifax has not responded to ANY of my disputes under section 609 or 611 Which I sent certified mail.

Equifax is now in direct violation with the FCRA Because I've yet to receive a response.

Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. 

I've attached enclosed letters of my dispute under the FCRA and also a non response to Equifax Via certified SIGNED SIGNATURE. I've yet to receive any correspondence Equifax needs to delete these accounts that are in the attached letters. 

I've also attached a dispute response from XXXX XXXX regarding the " US DEPT OF ED/XXXX '' account seeing how XXXX XXXX could not verify this debt and Equifax has taken well over the required time to respond ... This account needs to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 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: CA

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 
FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX  XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. GXXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX XXXX I on XX/XX/XXXX ( Reported Identity Theft )

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 2020-12-18 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:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 
FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX  XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX XXXX I on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 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: U.S. BANCORP
State: KY

Complaint narrative:
I had a credit card account with Elan Financial Services. I got behind on this account, and Elan closed the account in XX/XX/2017. I later paid off the balance in full. However, Elan has kept the phrase " {$1400.00} written off '' as part of the Current Status. This is very misleading since I paid it off years ago. I have disputed this with Elan multiple times, and they will not change it. From a credit reporting perspective, it essentially did me no good to pay off the account.

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 2020-12-18 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: FL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 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: FL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Failure to reinvestigate and respond to specific errors on my credit report from the attached attorney letter.

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 2020-12-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
My company, XXXX XXXX XXXX XXXX and me were issued a credit card by Wells Fargo account number ending in XXXX. That account awards points based upon account activity. Account information is provided on the website. The website states on many points I have. In XXXX, Wells Fargo deleted XXXX points as expired. All of the transactions are viewable on the website for the account. Nowhere on the website that I could see did Wells Fargo warned me that any of the points would expire. Since all the transactions are on the website there is no need to look at statements. I note that statements posted to the website separate and distinct from the website pages contained in a small print that points would expire, which statement is separate and apart from the table that they provide for points earned and used and at the end of a long paragraph. Nowhere on the table for points earned is there any statement of points to be expired, no asterisk or footnote or any indication that points would expire. An obvious attempt to obfuscate the fact that points would expire with the obvious intent that cardholders not use their points. The failure to state points to be expired on the website, was fraudulent and misleading and contrary and contradictory to the statements published on the website. As result, Wells Fargo should reinstate the expired points or pay me the value of the expired points. Even if the statements would otherwise arguably be sufficient, note that Wells Fargo made the effort to highlight the amount due, but never did the same for the number of points to expire. A further indication of an attempt to obfuscate the fact that points would expire and therefore attempted to defraud the cardholder from the use of their points.

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 2020-12-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PNC Bank N.A.
State: IL

Complaint narrative:
On XX/XX/2020 I called in inquire about the interest that was going to start on my credit card. I had ask if they could extent my free interest and was told no that I had to start paying interest. I advice then that I have COVID 19 and trying to do the right thing to pay my bill they told me that they had a program that could lower my interest and that my payments would be lower for 6 months I told them I would call back had to discuss with my husband. On XXXX I called back to let them know I wanted to accept that offer and the rep at that time told me he didn't know what I was talking about. I advise him that I talked to a rep by the name of XXXX XXXX and the bank was offering to lower my interest and payment for 6 months. He said that there was no notes on the account and said he did not know anything about that. I asked for a supervisor to call me back. Got a call back from XXXX XXXX that left me a message. I called back XXXX to get this matter resolved talked to a XXXX explain to her that I wanted to get the interest lower to XXXX this woman was a very rude lady who transfer me a collection XXXX that was very rude and did not want to hear me put me on hold and transfer me to XXXX who she was not able to help me she transfer me to XXXX a supervisor this is not acceptable. XXXX said she was not able to help me I told her she had to help me. I asked her to waive my late fee she said NO I told her to put me in the program so finally she did. This is terrible I am sick and have been on this phone for over 1hr 1/2

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 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: LA

Complaint narrative:
Monthly I tried to correct my reports. There is a big issue with these credit reporting companies. They have been hit with lawsuits and still do not meet qualifications to handle the consumers information. 
There is a major economic problem in the nation and they seem not to understand! 

Since there is an economic issue affecting people way of paying their bills, why are not the reporting done better to help the consumers and not hurt the? There is no compassion with these companies.

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 2020-12-18 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: LA

Complaint narrative:
Monthly I tried to correct my reports. There is a big issue with these credit reporting companies. They have been hit with lawsuits and still do not meet qualifications to handle the consumers information. 
There is a major economic problem in the nation and they seem not to understand! 

Since there is an economic issue affecting people way of paying their bills, why are not the reporting done better to help the consumers and not hurt the? There is no compassion with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 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: SC

Complaint narrative:
On XX/XX/2020 I sent a letter to Transunion, XXXX, and XXXX about the inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response from anyone. I feel like I am being ignored and taken advantage of regarding my disputes. This has really caused me a lot of stress as I have been unable to move on with my life.Please help me. Thank you.

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 2020-12-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: CA

Complaint narrative:
in XX/XX/XXXX, i owned a property located at XXXX XXXX, XXXX, OH. at the time, tenants were renting the units. all tenants had utilities put in their name. apparently in XX/XX/XXXX, 2 tenants moved out without paying their XXXX XXXX bills. when XXXX couldnt get the bills satisfied, they sent the debt to Helvey & Assoc located at XXXX XXXX XXXX XXXX, XXXX, IN XXXX as part of XXXX collection process, they also sent two addresses that they had on file so that Helvey could reach out to me by mail to start the 45 day inquiry process. however, the addresses that Helvey has reported to me as of XX/XX/XXXX that they say were given to them by XXXX, do not match with any addresses i have ever been associated with. I NEVER RECIEVED any mail then that i was even in collections. it wanst until XX/XX/XXXX, ( when i was in the process of refinancing that I discovered the 2 collections. I promptly Helvey and paid them off. i thought at the time they would also be removed from my credit when i did pay them. additionally on the call on XX/XX/XXXX, it was also discovered that Helvey did have my correct cell phone. however, on a recorded line, i was informed that they never tried that cell to reach out to me to give me a chance to settle the debt prior to them reporting to the credit agencies. so in the end, XXXX gave Helvey 2 incorrect addresses that i have no idea about and have never been associated with. and a correct phone number that they never tried me on. so in the end, i was never given a a chance to pay this off within the 45 day period. if i would have known about this during that period, certainly would have paid it off.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
I applied for a PayPal credit account on XX/XX/2020, reference number XXXX and was declined due to not been able to verify my identity. 
I already have an account with XXXX, I have a social security number and also a member of several financial institutions. I monitor my credit every day to which I had XXXX credit for XXXX, XXXX XXXX and XXXX XXXX. I want to know how come I am not being able to be verify. 
Am open to give you my Social Security if need be. Thanks

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 2020-12-18 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: CITIBANK, N.A.
State: HI

Complaint narrative:
XXXX XXXXCITIBANK Account Number XXXX Opened XX/XX/XXXX Current, was past due 30 days Status date XX/XX/XXXX Late payments XX/XX/XXXX Never late on any of my accounts. Why is this negative inaccuracy on their end for Citi Bank failing to report accurate information onto report? I'm sure this is a violation of the FCRA. I'm extremely upset about Citi Bank failing to report inaccurate information for my behalf being a user with them since XXXX. Should I consider to still use them if they fail to report accuracies in the near future? This is unfair practices placed against me.

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 2020-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: LDF Holdings, LLC
State: CO

Complaint narrative:
They call at least once a week, every week and will not stop. They change phone numbers also. It isn't always the same number. They leave an automated message saying that they just want to talk to me.

Company response to consumer: Closed with explanation