vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-18 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I have 3 student loans with Navient. Navient is incorrectly reporting that my student loans were 150 days late twice, back in XXXX, and XXXX. My student loans were never late. I have contacted Navient and wrote letters regrading the issue and they have yet to remove the 2 late payments from XXXX and XXXX. Also under 15 U.S Code 1681b Permissible Purposes of Consumer Reports I never gave Navient written consent to report these accounts. As a consumer these accounts must be deleted immediately, or i will seek monetary damages in small claims court in my city and sate. Under 15 U.S Code 1681b Permissible purposes of consumer reports i never gave Navient any written consent to report anything on my consumer report and no consent is IDENTITY THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Paypal transaction Amount. XXXX Product I purchased XXXX XXXX XXXX Date XXXX XXXX XXXX XXXX XXXX Company sent a XXXX ornament instead of compost bin Sent from. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. NJ. XXXX I believe the. Website was fake from a XXXX search and I. Click on the fake Website PayPal link or icon and made the transaction.

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 2021-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I have contacted the creditorXXXXcompany many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have 4 student loans with XXXX. XXXX is incorrectly reporting that my student loans were 150 days late twice, back in XXXX, and XXXX. My student loans were never late. I have contacted XXXX and wrote letters regrading the issue and they have yet to remove the 2 late payments from XXXX and XXXX. Also under 15 U.S Code 1681b Permissible Purposes of Consumer Reports I never gave XXXX written consent to report these accounts. As a consumer these accounts must be deleted immediately, or i will seek monetary damages in small claims court in my city and sate. 
Under 15 U.S Code 1681b Permissible purposes of consumer reports i never gave XXXX any written consent to report anything on my consumer report and no consent is 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 2021-05-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: AZ

Complaint narrative:
Hello on XX/XX/2021 I had a medical collection account from a 3party collection company by the name of CommonWealth financial put on my credit report for the amount of {$1800.00}. I requested Validation of the debt be sent to me via certified mail. CommonWealth Financial received my letter and responded with a itemized bill on XX/XX/2021, No contract not signature of each medical procedure they are saying I had done! This response clearly violates my right according to HIPAA. They did not provide me with a HIPAA release form that releases my medical information to them, therefore by providing this information they are in violation of my HIPAA rights! I am proceeding with legal action against the above creditor should this item not be deleted within the required legal time. I will also file a complaint with XXXX and the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
contacted the Credit Card Company Capital One the account balance was XXXX and due to late fees i am in collections for XXXX. I contacted them back in XX/XX/2015 stating that i was on XXXX and wanted to know how to pay on the credit card account without it being declared late or charged off. Never received a response in regards to the situation. then started receiving calls stating that they would take me to court. Capital One actually filed a small claims complaint that i was unable to attend due to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 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: EQUIFAX, INC.
State: MD

Complaint narrative:
On XX/XX/2021 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. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
On XX/XX/2021, I was informed by chase bank customer service that chase has decided to close my checking account and that the funds available in my checking account will be mailed out to me. I asked if I could go inside a branch withdraw my funds instead, the representative informed that : yes I could just go inside the branch and withdraw my available funds if I didnt want to wait for a check to be mailed out to me. 

So on XX/XX/2021, I went to the branch to withdraw my available balance. The banker called their back office to see if it was okay to give me my available instead of waiting for a check in the mail, since the account is pending closure. 

The back office declined to give me my available balance under the pretense that there are several claims waiting to be finalized on my account. And they will not release my funds until the claims are finalized. 

However the claims amount is way less than my available balance. 
Claims amount : {$1500.00} Available balance : {$6000.00} I suggested that they keep the claims amount XXXX {$1500.00} XXXX until the claims are finalized and release the rest of my available balance XXXX $ {$4500.00} XXXX immediately and the bank still refused. 

Chase bank is holding my money for absolutely no reason. My money is legitimate money that I personally deposited into my account sometimes either by cash, checks or direct deposit. 


So I dont understand why chase is holding my money hostage in these hard times that we are experiencing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax has stopped reporting my credit scores for years I have tried to fix the situation multiple times. I have called in asking to speak to supervisors and each one them have not helped

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America charged associated checking account # XXXX a {$35.00} overdraft fee on XXXX difference in balance due to their manipulation of when items are debited. Bank of America reverses dates and applys debits to the account in a way that would compromise the available funds in the account necessary to cover debited items. 

Enough funds were in my account at the time of my last debit, which was for XXXX. XXXXXXXX XXXX on XX/XX/XXXX. At the time, my card was not declined meaning there was enough money at the time of purchase to cover the debit. 

Somehow I am now charged {$35.00} on {$.00} overdraft somehow. It does not make sense. 

For example, the debit to XXXX XXXX was taken out of my account on XX/XX/XXXX because that is when my car payment was due. Somehow it is now scheduled as a XX/XX/XXXX debit, however, that is not when the money left my account. 

The {$40.00} credited on XX/XX/XXXX was actually credited on XX/XX/XXXX, as I was in XXXX XXXX on XX/XX/XXXX. Since XX/XX/XXXX was a Monday, and I work in XXXX and live in XXXX, I have no reason to be in XXXX XXXX on a week day. 

Bank of America is using tactics to cheat clients, and think all clients must be dumbasses.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX said I had a balance of XXXX with them. I asked for them to send me my info were I signed original document for loan, they did not. It was removed on XX/XX/XXXX and put back on my credit on XX/XX/XXXX by transunion. The decision was reverse by them after XXXX  reported it again and it should not be back on

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 2021-05-18 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: MO

Complaint narrative:
Today is XX/XX/2021. I mailed out letters to Equifax, XXXX  and XXXX  on XX/XX/2021 about inaccurate information reporting on my consumer report. I have not received any response and its been over 60 days and thats a Violation. Also, Equifax, XXXX, or XXXX  also have another Violation because they didnt enter the NOTICE OF DISPUTE for any of the accounts after I disputed and they are suppose to enter the notice within 30 days and its been 60 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Today is XX/XX/2021. I mailed out letters to XXXX, XXXX  and Experian on XX/XX/2021 about inaccurate information reporting on my consumer report. I have not received any response and its been over 60 days and thats a Violation. Also, XXXX, XXXX, or Experian also have another Violation because they didnt enter the NOTICE OF DISPUTE for any of the accounts after I disputed and they are suppose to enter the notice within 30 days and its been 60 days.

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 2021-05-18 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 public records listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX XXXX Account # XXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX XXXX XXXXXXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

THE UNVERIFIED AND INCORRECT PUBLIC RECORD ITEMS BELOW SHOULD BE DELETED : XXXX. XXXX  XXXX bankruptcy XXXX. THIS ITEM DOES NOT BELONG TO ME! 
XXXX # XXXX. 
Inaccurately posted on XX/XX/XXXX. 

XXXX. Bankruptcy XXXX  XXXX. THIS ITEM DOES NOT BELONG TO ME! 
XXXX # XXXX. 
Inaccurately posted on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
contacted the Credit Card Company XXXX due to late fees I am in collections for XXXX. I contacted them back in XX/XX/2015 stating that i was on XXXX and wanted to know how to pay on the credit card accounts without it being declared late or charged off. Never received a response in regards to the situation. then started receiving calls stating that they would take me to court.

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 2021-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
On XX/XX/18, I went to a XXXX store at XXXX XXXX XXXX XXXX XXXX XXXX, in XXXX XXXX, FL. I was there to change my phone plan as they had advertised for months prior they would be covering any carryover costs from another service below {$650.00}. I was transferring from XXXX and realized XXXX would be more cost-effective and wouldn't have service issues in the city. 

After switching from the same number and using my phone for a few months, on XX/XX/18 a notice came in the mail from a XXXX XXXX XXXX inquiring about a debt in the amount of {$280.00}. I saw that this was due to a late XXXX bill so I just left it be. Referring to settlements, I was semi-concerned this could be fraud. I've never possessed any debt. I also knew that I was well within the coverage provided by XXXX 's promotion that they had ongoing when I acquired my new phone. I was not at all concerned nor considering the letter legitimate. 

Two months ago, I was looking over my credit score and was shown I held a derogatory mark on my credit from XXXX. This is now being referred to collections and there's no trail in which I am the at fault party. I attained audio from a XXXX service representative in which she has claimed that XXXX covered this negligent balance. Obviously she is mistaken ( at my expense ) and rightfully, they are the accountable party if they claim it was covered and it was not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Financial Business and Consumer Solutions.
State: NC

Complaint narrative:
Got letter from FBCS that was dated XX/XX/21 stating I owed {$290.00} to XXXX XXXX. 
I called my dentist and they said I have no account balance with them. 
I called FBCS and tod them I spoke with the creditor listed on the letter and I have no balance and all she said was ok and did I wan na make arrangements to pay? 
This is lowering my credit score for a debt I don't have or owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
LVNV Funding continues to pursue a debt i do not owe. Ive asked them for the original contract between me and them months ago. And still one hasn't been produced. Also XXXX XXXX, and XXXX  continue to report this and ive never given my written consent to furnish my information. 
According to USC 1681 ( b ) a consumer reporting agency can only furnish something in accordance with the written instruction of the consumer to whom it relates. 

1. LVNV Funding XX/XX/19, XX/XX/19 2. XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
On XX/XX/21 I sent Lvnv Funding LLC a debt validation letter certified. They received it on XX/XX/21. I received two separate envelopes, letters dated for XX/XX/21, neither containing a contract with my signature. On XX/XX/21 I sent Lvnv Funding a failure to validate letter certified. They received it on XX/XX/21. I received another letter from Resurgent Capital Services dated XX/XX/21. It was not a contract containing my signature only a bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I WAS VICTIM OF IDENTITY THEFT AS A RESULT SEVERAL ACCOUNT APPAER IN CREDIT REPORT AND TAXES WERE FILE UNDER MY NAME BARCLAYS BANK DELAWARE # 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 2021-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM

Complaint narrative:
In XX/XX/2020 around the XXXX, at XXXX XXXX, the Bank of America allowed XXXX To be taken from my account to a person who had stolen my identification card and all other personal information, and the teller allowed this person whom was not me to walk out the front doors. This man managed to convince the teller, in person that he was I, XXXX XXXX XXXX. They will not hold themselves accountable and they wont help me and treat me like Im lying when its obvious that they have camera and they say that I look like the same person that took the money but thats a given, theyd have to somewhat look like me if they got away with using my identification card and pin and thats their support for allowing everything I had taken from me in 10 minutes. Its been months snd I dont believe almost 9 months and stoll no support or help or care. Instead they closed my account and I cant believe they are getting away with allowing me to become a fraud victim due to their mishap. ImXXXX is to much money to be without and have stolen from you with no alerts or notifications. They let someone take my money. The masks do cover us up I get it but This should have never happened

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-18 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: MS

Complaint narrative:
There are incorrect hard inquiries reported on my credit profile to Equifax. I did not authorize those inquiries. They are as follows : 1. XXXX/XXXX  date XX/XX/2019 2. XXXX XXXX date XX/XX/2019 3. XXXX XXXX/XXXX  date XX/XX/2019 I want these inaccurate and unauthorized inquiries removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation