vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-22 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: Avant Holding Company, Inc.
State: GA

Complaint narrative:
I was approved for a loan by Avant for XX/XX/XXXX for {$4700.00}. During this time, I've made timely payments. I have not been late but have been marked as late by the timing of the due payments installments on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The account has been paid in full by XX/XX/XXXX but has 3 late payments. I've tried several attempts to have Avant correct the payments as well as dispute the erroneous information with the 3 credit bureaus. Avant has not made any attempts to correct this and " validated '' the late payments although they were made on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I disputed a hotel stay at XXXX XXXX XXXX because the room was not clean, there was XXXX in the hallway along with XXXX. 

Trash was overflowing into the hallways and the only explanation given was due to COVID 19 the hotel was not fully staffed. 

The total amount of the dispute is {$1200.00} XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 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: NY

Complaint narrative:
Im submitting this complaint against XXXX Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was approved for a loan by XXXX for XX/XX/XXXX for {$4700.00}. During this time, I've made timely payments. I have not been late but have been marked as late by the timing of the due payments installments on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The account has been paid in full by XX/XX/XXXX but has 3 late payments. I've tried several attempts to have XXXX correct the payments as well as dispute the erroneous information with the 3 credit bureaus. XXXX has not made any attempts to correct this and " validated '' the late payments although they were made on time.

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 2021-03-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: TX

Complaint narrative:
I filed a cfpb complaint for company IQ DATA INT regarding debt validation and proper paperwork being sent out company responded to complaint with this message. Company reported debt amount as seen below ( XXXX ) however is reporting a different amount XXXX {$7000.00} XXXX on my credit report and in violation of FCRA. 


Company responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response Date : XX/XX/XXXX Consumer Financial Protection BureauXX/XX/XXXX XXXX Iowa XXXX, IA XXXX XXXX : Complaint of XXXX XXXX Case Number : XXXX Internal Reference : XXXX We have received your dispute letter of XX/XX/XXXX, in which you indicate that you did not receive validation of your account in our office. We collect amounts owed to rental properties, and our records reflect your account was placed with our agency on XX/XX/XXXX, to collect {$6200.00} owed to our client, XXXX XXXX Apartments. Initial notification, with instructions to dispute or make payment, was mailed on XX/XX/XXXX, to the addresses supplied by our client which was not mail-returned and deemed received. Our records reflect that our office processed a certified validation request from you on XX/XX/XXXX. In response our office mailed a copy of your final statement to you on XX/XX/XXXX to the address that you submitted with the dispute which was not mail-returned and deemed received. The purpose of validation is to ensure the correct person is being requested to pay the correct amount for the correct creditor. The documents our office sent you are in compliance with that directive. It itemizes the individual charges associated with the balance assigned. We believe this account to be valid and the current balance of {$6200.00} remains due. We encourage you to contact our office to discuss payment options or to address any questions about the account. Thank you for the opportunity to respond to this complaint. IQ Data International , Inc. ( IQ Data ) is committed to treating every consumer with the dignity and respect to which they are entitled and is committed to its compliance efforts and ethical debt collection practices. All collection employees are trained by a certified Trainer Specialist and, as a requisite of employment at IQ Data, the employee is required to become certified through theXX/XX/XXXX as a Professional Collection Specialist. Additionally, IQ Data has received the elite designation of a Professional Practices Management System accredited agency through XXXX XXXX, the primary credit and collection industry organization. Sincerely yours, XXXX XXXX XXXX XXXX XXXX I.Q. Data International, Inc. This communication is from a debt collector attempting to collect a debt and any information obtained will be used for that purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was approved for a loan by XXXX for XX/XX/XXXX for {$4700.00}. During this time, I've made timely payments. I have not been late but have been marked as late by the timing of the due payments installments on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The account has been paid in full by XX/XX/XXXX but has 3 late payments. I've tried several attempts to have XXXX correct the payments as well as dispute the erroneous information with the 3 credit bureaus. XXXX has not made any attempts to correct this and " validated '' the late payments although they were made on time.

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 2021-03-22 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: AL

Complaint narrative:
Im submitting this complaint againsXXXX XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous XXXX and financial XXXX, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 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: LEXISNEXIS
State: VA

Complaint narrative:
On XX/XX/2021 I contacted Lexis Nexis via telephone to dispute the Bankruptcy listed on my consumer disclosure report. I was told that the Bankruptcy was verified through the courts On XX/XX/2021, I contacted Lexis Nexis at XXXX and spoke with XXXX I asked XXXX about the status of dispute concerning the Bankruptcy listed on my file. She said that Lexis Nexis contacted the Bankruptcy Court in XXXX and said that Bankruptcy Court verified it. I told her how could XXXX XXXX verify this public record when the policy from the Courts of the court not to report or provide information to credit bureaus or third party agencies like Lexis Nexis. 

When I confronted XXXX, she tried to change her story and say Lexis Nexis verified the Bankruptcy through other 3rd parties to which she did not name or could not name. 

It was very evident that there is a breakdown in the truth and the information is not truthful that is coming from Lexis Nexis.

But how if the courthouse does not communicate with any credit bureaus ( LexisNexus is governed and regulated by the FCRA )? I find this information false, misleading, and should be removed from my Lexis Nexis Consumer Disclosure File. Under FCRA 611 ( a ) ( 6 ) ( B ( iii ). Which states that : a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available * The Bankruptcy Case Number listed on my Lexis Nexis is not correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
On XX/XX/21 I had new tires installed at XXXX XXXX XXXX store in XXXX, MN. Went to pay and card was declined. After 2 hours of phone calls at store and 3 attempts to use Citi Card, Mastercard, I was assured 3 times this would work. Being about 40 miles from home had no way to pay other than open a store card account. Fortunately i have EXCELLENT credit score and the card was from XXXX XXXX where i have a sizable IRA account. 
After i got home I contacted Citi Card and tried to have hold lifted. Seem like you have to have bank of phones with text messages. Have one but I use Caption Call so it has a different number than the phone 's XXXX number. It is for hearing impaired number with captioned dialogue. Have one at home on my VOIP Phone also. They refused to tell me why exactly the card was on hold other then security reasons. Last charge was autopay on the XXXX for internet service, but XXXX payment on Autopay was declined. XXXX waived late fees due to my longstanding as a customer and bill was paid online using another card from XXXX XXXX I had at home. This has happened in the past also at least 3 times the card was locked or number changed by Citi Card for so called security reasons. They do not tell you this or just let it go through and contact you. All charges are pended for at least 2 days or longer. This would be much more convenient to customer than leaving them stranded at store. It wasn't that i could just put the tires back on shelf and walk out. Please look into Citi Cards Fraud Protection Department for their policies and actions.

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 2021-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
There were unauthorized charges on my account, as well as my credit card data being stored on a company computer without my authorization allowing for a an unauthorized re-bill. When I attempted to dispute a debt, I was forced to complete a series of step in order to discourage me from disputing the debt. First I attempted online sign in, which now requires an eight digit code that and has to be written without seeing the numbers.

It also requires rewriting the user name and pass word.

When I attempted to dispute the debt online I was blocked. Next I tried calling the company only to be connected overseas to a person who said she can not help. This was after 5 to ten prompts with notices to try using the online app that does not work for this issue. I was then given another phone number to call but only could call it within a restricted time frame.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Vanguard Financial Services, Inc.
State: WV

Complaint narrative:
On XX/XX/2020 my daughter was seen at XXXX XXXX XXXX XXXX XXXX. They billed insurance for those services and insurance paid the amount they were supposed to. The full bill was then sent to a collection agency despite the fact that they had already been paid. The collection agency continued to try and collect the full amount from me despite being presented with documentation that the bill had been covered by insurance. I have been in contact with the debt collection agency numerous times about this issue but they are unwilling to resolve it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 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:
Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous XXXX and financial XXXX, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 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: HYUNDAI CAPITAL AMERICA
State: NC

Complaint narrative:
I have previously filed a complaint with FTC # XXXX. ( Please include that detailed report in whatever communication you share with companies ) Never received a response and the condition has become worse. Revolves around Hyundai Motor Finance Leasing ; my calls them failed to correct. Has spread to credit reporting agencies ; initially XXXX, now others. 
Hyundai leased vehicles to me and another individual who share similar first and surname XXXX XXXX ... ... XXXX. ) and nearly identical SS #. Hyundai has comingled this info and has exposed the personal info of other individual on my account and credit reports. It appears as an " alias '' on credit reports.

The other individual contacted me ( likely got my phone # ) from his Hyundai account and advised that he was receiving Hyundai mail address to me. I was receiving invoices by mail and my online account contained his name. 
I finally gave up and returned my lease early hoping to correct this issue. Now his lease is listed on my credit reports along with a credit card where he is an additional signatory. 
What is wrong with these financial institutions and services? Covid is no excuse for incompetence. 
Attached is a copy of my HMF account page taken 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 2021-03-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On the night of Friday, XXXX XXXX, Ive received an alert from XXXX XXXX that Ive received an hard inquiry on my credit score. When I proceeded to check on it, there was a notation that credit was opened at TDBank/Target for an unknown amount. Saturday morning XXXX XXXX, Ive contacted XXXX and TD Bank and yes, it was true. An alert was placed on my credit record as per XXXX Saturday I was contacted by Target Customer Services asking if I have opened a credit card from them? I told them that I did not and was told that the transaction was not approved anyways. They were alerted by TD Bank of what was happening. I have also contacted my bank to make them aware of what was happening. The person apparently had my correct Driver License number and my social security number but no email on file I was told by Target Customer Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc.
State: NY

Complaint narrative:
I returned my XXXX  equipment over 3 years ago and paid all the bills associated with this account.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-22 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: OR

Complaint narrative:
Im submitting this complaint against XXXX Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous XXXX and financial XXXX preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation