vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: AL

Complaint narrative:
XXXX and XXXX is reporting an account with XXXX XXXX on my credit reports. I sent a letter ( see attached document ) to XXXX and XXXX requesting that they validate the debt. I asked for specific documents including the agreement between them and the original creditor, the original contract with my signature on it, a complete payment history for the account, proof that their company is registered to collect in my state and other information to validate this debt. XXXX and XXXX failed to supply this information. Yet, they continue to report this account on my credit reports in violation of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 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: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
On XX/XX/XXXX I cancelled a purchase I made with XXXX XXXX. I have a document from the title company that says the contract was cancelled. In the contract, XXXX XXXX started a XXXX credit card and put {$9000.00} on it and when the contract was cancelled they claimed they could still charge me {$1000.00} promotional fee even though I didn't receive anything. When I found this out I started a dispute with XXXX in XXXX after I got a bill. My dispute is I cancelled the contract, so XXXX cant still charge me for the contract. I received a letter dated XX/XX/XXXX that acknowledged I had started a dispute. On documents dated XX/XX/XXXX and XX/XX/XXXX I received documents that stated they were investigating my dispute and would contact me if they needed additional information. On a document dated XX/XX/XXXX, XXXX said I didn't give them enough information and where rejecting my complaint. I called XXXX in the first week of XXXX, XXXX, to ask about what information they needed and that they hadn't asked for any information and hadn't given me any time to submit the information they needed. In the phone call they said a manager would call me within 48 hours to talk about the situation, but no one has ever called 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 2021-01-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
THE SYSTEM IS BROKEN,,, HOW CAN ONE BUREAU REPORT ONE THING AND THE OTHER SAY SOMETHING DIFFERENT. IT'S A VIOLATION TO DO THAT! THESE COLLECTION/CHARGE-OFFS ARE REPORTING INACCURATELY AND NEED TO BE REMOVE IMMEDIATELY. LATE PAYMENTS REPORTING AFTER ACCOUNTS BEING CLOSED. CLOSED-ENDED ACCOUNT AND CAN NOT HAVE LATE PAYMENTS. THIS ACCOUNT IS IN COLLECTION MEANING THAT THERE SHOULDN'T BE REPORTING OPEN, NO LIMIT, NO PAST DUE AND NO PAYMENT STATUS. REMOVE IMMEDIATELY. 
DATE LAST ACTIVE, DATE OF LAST PAYMENT, LAST REPORTED.INACCURATE ... ... ... VIOLATIONS!!!! INQUIRIES NEED REMOVING AS WELL. 
1. XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX 5. 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 2021-01-22 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: TX

Complaint narrative:
THE SYSTEM IS BROKEN,,, HOW CAN ONE BUREAU REPORT ONE THING AND THE OTHER SAY SOMETHING DIFFERENT. IT'S A VIOLATION TO DO THAT! THESE COLLECTION/CHARGE-OFFS ARE REPORTING INACCURATELY AND NEED TO BE REMOVE IMMEDIATELY. LATE PAYMENTS REPORTING AFTER ACCOUNTS BEING CLOSED. CLOSED-ENDED ACCOUNT AND CAN NOT HAVE LATE PAYMENTS. THIS ACCOUNT IS IN COLLECTION MEANING THAT THERE SHOULDN'T BE REPORTING OPEN, NO LIMIT, NO PAST DUE AND NO PAYMENT STATUS. REMOVE IMMEDIATELY. 
DATE LAST ACTIVE, DATE OF LAST PAYMENT, LAST REPORTED.INACCURATE ... ... ... VIOLATIONS!!!! INQUIRIES NEED REMOVING AS WELL. 
1. XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX 5. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
On XX/XX/XXXX I sent a letter to Equifax asking them to update my address and deleted address listed on my credit report that where either not mine or have not relation to me for 5 years or more. Equifax updated my address and deleted all my credit history. I never contested the accounts on my credit report. All my credit history of more than 20 years was completely deleted, montage, loans, car loans, credit cards. The only thing being report now is 2 new accounts opened after they deleted all my credit history. I call Equifax and they asked me to send a letter requesting that my credit history was put back on my credit report. I sent the letter at the begging of XX/XX/XXXX. I called In XX/XX/XXXX to follow up on the status of my request. The representative told me they where working on reporting the deleted accounts back but it would take 30-60 days to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
. I FERVENTLY DEMAND for my credit report to reflect ONLY MY TRUE and ACCURATE information in accordance to the law. I would like to put in record the following : 1. My LEGAL name is : ( XXXX XXXX ). 
Please remove all other name variations immediately as they are not legally accurate. Names such as, Also Known as ( AKAs ) Names, Alias Names, or My Middle Name are erroneous and not suitable for legally binding contracts or credit accounts ). 

2. My Current Address is ( XXXX XXXX  XXXX XXXX XXXX, AL XXXX ) Please remove all Inaccurate addresses immediately as they are unlawful 3. I demand you to DELETE my Social Security number with the last 4 digits : ( XXXX ) as it unlawful to be shown on my file :. Please remove all other social security numbers immediately as they are unlawful. 

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. US DEPARTMENT OF EDU - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. US DEPT ED - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. US DEPARTMENT OF EDU - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXXXXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. US DEPT. OF EDUCATIO - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
8. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
9. XXXX XXXXXXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX, XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. DEPT OF ED on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX XXXX 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 2021-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bliksum, LLC
State: VA

Complaint narrative:
My company, XXXX XXXX XXXXs, XXXX received a business loan from LoanMe, LLC on XX/XX/XXXX in the amount of {$14000.00} of which {$12000.00} was loan amount and {$1400.00} was origination fee. LoanMe, LLC charged the XXXX XXXX XXXX, XXXX 94 % interest rate for this business loan. I made the following scheduled payments totaling {$20000.00} until my company fell into hardship with no revenue coming in. 

XX/XX/XXXX {$1600.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} On XX/XX/XXXX my loan was sold to XXXX XXXX, XXXX who then hired XXXX XXXX XXXX and law firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX XXXX, XXXX, MD XXXX to collect on this debt. I attempted to negotiate a settlement of {$3000.00} for this debt but they never responded to this offer. I also made the following payments totaling {$1800.00} to the law firm in attempt to settle this debt : XX/XX/XXXX - {$400.00} XX/XX/XXXX - {$400.00} XX/XX/XXXX - {$400.00} XX/XX/XXXX - {$400.00} XX/XX/XXXX - {$200.00} I will be at XXXX District court on XX/XX/XXXX contesting a judgement against my company, XXXX XXXX XXXX, XXXX and my personal credit. So any advise you can provide would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Credit card or prepaid card — Store credit 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: CA

Complaint narrative:
On XX/XX/XXXX I made a purchase for the total of {$7000.00}. When I logged in to Check my account i saw I was charged TWICE. I called the store who assured me they only rang me up once and showed me proof. I then called the credit card company and they told me its a known issue and they are working on fixing it. Today is now XX/XX/XXXX and I still show a double charge. Each time I call they tell me there is nothing they can do and I have to wait. Am extremely upset to see a balance of {$14000.00} on my account due to being double charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
On XX/XX/XXXX XXXX I sent 3 dispute letters 1 to XXXX in XXXX GA 1 to XXXX XXXX TX and 1 XXXX XXXX and XXXX PA Over 30 days ago without a response. 
Violating the fair credit reporting act.

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 2021-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have had my checking account with JP Morgan ( Chase ) for over 20 years. I also have my company account with them as well, as well as my parents are a cosigner for the company with me as well. 
My parents gave me a few checks for XXXX, I deposited them into my account. Instead of holding the checks until the checks cleared, they locked down my account. So, all my automatic payments, automatic deposits, checks that I have written were all voided and did not go through. There was no email or phone call notifying me about this lock out on my account. 
I did after weeks of trying to find out why this was done, get someone in the executive office to return my call. They mentioned that when I signed up for my checking account that they reserve the right to lock down my account anytime they want. 
This obviously was not the answer I was looking for - I asked why they did not wait until the checks cleared - I never expect to get access to the check ( money ) until they clear, but the {$60000.00} in my account I felt like it was wrong to lock me from my money. 
They have not confirmed that they will pay my fees and late payments, I have to compile a list and send them all of the fees and they will look into getting me reimbursed. 
I think this practice of arbitrarily shutting down an account should be a violation, this was not money leaving my account ( which I can understand ) but money coming into my account - It should be the responsibility of the bank of the check that is being deposited. 
Please see if this abuse of power can be corrected. This should never happen to anyone. 
Knowing Chase ( JP Morgan 's ) position, I will have to move my account to another bank - I can't imagine the nightmare that would happen if they locked down my business account. I shocked that they have this kind of power to wield and I am powerless to get access to any money in my accounts for over a week.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAVALRY INVESTMENTS, LLC
State: WI

Complaint narrative:
This account is very old and should have fallen off. this credit card was from XXXX XXXX from bank in XXXX i live in WI where the statue of limitation is 6 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: AL

Complaint narrative:
Enhanced Recovery Company ( ERC ) is reporting an account with XXXX on my credit reports. I sent a letter ( see attached document ) to ERC requesting that they validate the debt. I asked for specific documents including the agreement between them and the original creditor, the original contract with my signature on it, a complete payment history for the account, proof that their company is registered to collect in my state and other information to validate this debt. ERC failed to supply this information. Yet, they continue to report this account on my credit reports in violation of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Global Credit & Collection Corporation
State: NM

Complaint narrative:
Received a phone call at XXXX XXXX from XXXX to inform me that I was going to be served court papers on a civil case for outstanding debt case # XXXX and they were coming to my home and further told me the address. I told them I did not know what they were talking about. They gave me a phone # to contact XXXX which is called XXXX. The woman said she would be at my house in 30 minutes. 

I called them and they told me my ss # and that I owed $ to XXXX which I took out a loan on XXXX for XXXX XXXX XXXX and that I have not paid it back and was a sizable amount and why didnt I pay my bills. 

I do not owe XXXX and I have a closed account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 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: TX

Complaint narrative:
HOW CAN ONE BUREAU REPORT ONE THING AND THE OTHER SAY ANOTHER, ACCORDING TO FCRA COLLECTION/CHARGE-OFF IS CLOSED-ENDED ACCOUNT AND CAN NOT HAVE LATE PAYMENTS. THESE ACCOUNTS IN COLLECTION MEANING THAT THERE SHOULDN'T BE REPORTING OPEN, NO LIMIT, NO PAST DUE AND NO PAYMENT STATUS. COLLECTION ACCOUNTS NEED TO BE REMOVED IMMEDIATELY BECAUSE THERE ARE LATE PAYMENTS AFTER THE ACCOUNT WAS CLOSE. THESE ARE VIOLATIONS PLEASE REMOVE AND SEND UPDATED REPORT 1.XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Nobilis Credit Management, LLC.
State: MO

Complaint narrative:
The company called my sons cell phone asking for me and was told that was not my number the guy XXXX told my son that his number was the only number they had. I called XXXX and the agent I got XXXX XXXX told me that they had my number on file. I told Ms XXXX to remove my sons phone number from the account. I ask the company name she gave me Nobilis XXXX. I told her I have no idea who that company was and told her to send me something by mail and to remove my phone number. I told her not to contact me by phone only by mail. She told he they had the right to call me weekly. After I told her that was not true she got angry and told me not to call the company back and hung up on me. I wanted to make sure they had removed my phone number and my sons so I called back and go a case manage named XXXX. I told him the same thing that I had told XXXX and told him I have never heard of this company and to send me something by mail. When I refused to give him more info I had already verified my DOB he told me he would mark it as a refusal and the company would sue me for 3 times the amount owed. I hung up on him. The threat to sue me for 3 times the amount due was why I hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Celentano, Stadtmauer & Walentowicz, LLP
State: NJ

Complaint narrative:
To the best of my knowledge and recollection this hospital bill for a two hour outpatient procedure was paid in full. My medical insurance carrier paid tens of thousands and I paid hundreds. This comes out of nowhere. I have no documentation indicating there is a balance due.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 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 — Problem with personal statement of dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: IL

Complaint narrative:
Hello, I have disputed an account that is being reported on my credit profile with a company by the name of " Fair Collection & Outsourcing. '' several times. I have NEVER had done with business with them or an account with this company. I do not know who they are so I have requested their company to provide me with legal documentation of their rights to collect on this alleged debt. As you see in the letter they are stating that they are not legally required to respond to my requests. I have being trying to rectify this matter for well over three months.

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 2021-01-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
Had a credit card through Bank of America for probably a decade or more and my payment history was spectacular. Back in XXXX or XXXX of XXXX, I paid off the full balance on the card. Apparently I did have 2-3 items that were monthly charges on the card and didn't realize it. When you sign up for paperless billing, you don't get anything mailed to you anymore. So I wasn't seeing an account statement email and those charges accrued for 2-3 months before I was notified by Bank of America that I had an overdue balance, around XX/XX/XXXX. I talked to an agent and asked him to send me the last 3 statements so I could make sure I got everything cancelled and told the agent I would pay the balance in full as soon as that was received. Those statements were never sent to the address I gave, and they moved my account into their collections department. I talked to an agent in that department on XX/XX/XXXX and told him I wanted to pay the balance in full and close the account. He told me he would waive the late fees, so instead of paying {$330.00}, I paid {$260.00} and got confirmation from the agent I was paid in full and my account would be closed so nothing else would charge to the account. Then, a week or so later, I get an emailed statement saying I still owed {$65.00}. I called BOA again. I asked them to review the call I had where I was told I would owe nothing else and my account would be closed. They just kept telling me that department didn't have the ability to review calls, asked them to send that request to the department that did. Just kept getting the run-around for the agent ( and manager ) I spoke with. I just wanted them to listen to the call and call me back and tell me if they thought I was treated fairly. Telling someone an account is paid in full and closed, then sending a bill for more money I believe would fall under both the FDCPA and UDAAP regulations. On top of everything, this financial institution has gotten so big, you can't even call them without getting transferred 2, 3, 4 times, placed on hold, using hours of your day to try to resolve an issue. It's almost like they want to make it so hard that people will just drop their complaints and just pay the bill, whether it is collected fairly or not.

Company response to consumer: Closed with explanation