vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-19 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: AmeriCollect
State: IN

Complaint narrative:
Americollect Inc. is reporting an erroneous debt on my credit file. I recently checked my credit and noticed this debt reporting on my credit. I immediately called and settled this debt with them. I had never received a letter, call or any notices regarding the debt I had with them. This violates my 30 day right to dispute or the right to pay it before it reports on my credit. I ask that you delete the collections from my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE
State: ME

Complaint narrative:
Is the CFPB going to allow this case to be closed when Barclays response was clearly based on incorrect information? 

Barclay 's sent me a letter dated XX/XX/21 that if I didn't use credit card my card within 30 days, the account would be closed due to inactivity. A review online of my account on XX/XX/21 showed the account had already been closed. After calling Barclays Customer Service the same day, I found out that they closed the account on XX/XX/21 and would make me reapply to have another card. The credit line on the card was {$13000.00}, this has now caused my utilization rate to increase significantly, impacting my credit score. The representative didn't appear to know how I could formally file a complaint with his company, except to have somebody call me. He certainly didn't seem to know how to log any CFPB complaints internally. It's unclear to me how a company can send a letter saying I have a certain number of days to do something and then take action prior to allowing the given timeframe for that to occur.

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 2021-03-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
In XX/XX/XXXX, I paid for a BJ 's membership and when asked if I wanted a BJ 's master card - I specifically said No. However, a card was issued anyway. Once I received the card, I immediately canceled it. Despite the cancellation, I continued to received ongoing bills for annual fee and later on late fees. I contacted Comenity Bank on XX/XX/XXXX ; XX/XX/XXXX ; and again on XX/XX/XXXX and most recently on XXXX- a late fee of {$16.00}. I was told I have been credited the annual fee, however, I am still receiving a bill for late fees. I was told on XX/XX/XXXX By XXXX, that he would escalate my concern and the late would be removed. Although on XX/XX/XXXX, I received another bill for a late dated XX/XX/XXXX with a late fee of {$19.00}. I am requesting assistance with closing this matter permanently and all late fees removed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-19 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: MONEY SOURCE, INC., THE
State: FL

Complaint narrative:
XXXX is listing my mortgage twice ... .all my credit cards ar enow closing my accounts because it shows false information of me having two mortgages. I want to sue either XXXX or the my mortgage furnisher for damages to my credit score and limits and balances. during corona im already having troubles now this ..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
Person called from what showed up as a friends number ... they left voicemail saying they were representing a lawsuit. They left a phone number of XXXX with a case number.. I called them back and they said they were representing fifth third ( fifth 3rd ) bank. They had my social, dob and full name. Said I was being investigated for malicious and predatory borrowing.. Ive never had a fifth third bank account and Ibe never been in trouble or dont anything bad financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 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: EQUIFAX, INC.
State: NC

Complaint narrative:
The Fair Credit Reporting Act states that negative information can not appear on one 's credit report for a period longer than 7 years. But despite that, XXXX continues to report an old negative account on my credit file. It has now been on my credit report for 7 years and 3 months. This account needs to be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 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: Sequium Asset Solutions, LLC
State: NC

Complaint narrative:
Focus Receivables Management is reporting a collection account on my credit report, that they should have never reported. Prior to the account appearing on my credit report, I never received any prior notification. According to the Fair Debt Collection Practices Act, they should have provided me with a 30-day notice to dispute, but they did not do that. Therefore, it is illegal for this collection agency to continue to report this account on my credit profile.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AK

Complaint narrative:
My credit card is used in the same manner negative or positive since I began the account, now they informed me there was a problem with a payment I made electronically late so they decided to close my account. My position is I have not done anything new on my account so I can only figure this is Covid-19 related. After receiving a fraud letter XX/XX/XXXX, I reached out to them for a remedy to get reinstated. I was informed to prove I had the funds in my account on the day the money transfer hit the bank. I want to point out this same matter occurred in the past without any punishment I want to know why has the company taken action against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 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: USCB, Inc.
State: OR

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple Equifax Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 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: Resurgent Capital Services L.P.
State: OR

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
After applying I can not get an answer from Apple or Goldman Sachs about what further information they are requesting. Representatives from both sides are unable to provide information that they request of me so that I can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 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: TD BANK US HOLDING COMPANY
State: OR

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 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: NY

Complaint narrative:
XX/XX/2017 LVNV FUNSING LLC {$830.00} That bill doesnt belong to me never made such spending and never used any credit from that company I have no idea why it stands on my report and I request urgent removal from my credit report Ive also tried to dispute through XXXXHowever I never received any email or mail regarding such bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 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: Lending Club Corp
State: OR

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated
State: NY

Complaint narrative:
XX/XX/2020 Consumer Adjustment Co {$1300.00} That bill doesnt belong to me never made such spending and never used any credit from that company I have no idea why it stands on my report and I request urgent removal from my credit report Ive also tried to dispute through XXXX.However I never received any email or mail regarding such bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 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: NC

Complaint narrative:
I have written the bureaus and they have not corrected the issues. I have multiple inquiries and have asked to to show proof of my signature requesting inquiry. If not they must remove from my report. 

here are the inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  - XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-03-19 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: NC

Complaint narrative:
I have written the bureaus and they have not corrected the issues. I have multiple inquiries and have asked to to show proof of my signature requesting inquiry. If not they must remove from my report. 

here are the inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 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: NC

Complaint narrative:
XXXX XXXX XXXX is reporting a collection account on my credit report, that they should have never reported. Prior to the account appearing on my credit report, I never received any prior notification. According to the Fair Debt Collection Practices Act, they should have provided me with a 30-day notice to dispute, but they did not do that. Therefore, it is illegal for this collection agency to continue to report this account on my credit profile.

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 2021-03-19 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: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX is reporting a collection account on my credit report, that they should have never reported. Prior to the account appearing on my credit report, I never received any prior notification. According to the Fair Debt Collection Practices Act, they should have provided me with a 30-day notice to dispute, but they did not do that. Therefore, it is illegal for this collection agency to continue to report this account on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I have sole proprietor business for 25 years. Sba provided me with {$17000.00} that was deposited in my capital one checking account. Capital one froze my account and sent the rest of my funds back to the Sba. Lied and said Sba requested the money back and capital one left my account with a negative {$1800.00} dollars. I called Sba they said they never received the funds from capital one. 
I received the funds o. XXXX XXXX. Capital one closed my account XXXX XXXX and on XXXX XXXX capital one told me that they returned the money to Sba a month prior. I called Sba and they did not receive funds from capital one. I was lied to and capital one has kept my money and they are not telling the truth about the money. AttAched is the email stating they closed my account and a copy of the account showing capital one withdrew the money but its showing up no where else

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-19 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ECMC GROUP, INC.
State: WI

Complaint narrative:
They started garnishing my wages without sending me anything at all and they have the wrong information for me it has me at XXXX XXXX XXXX I havent lived there in over 10 years

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 2021-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NY

Complaint narrative:
IC Sustems Incorporated XX/XX/2020 {$310.00} That bill doesnt belong to me never made such spending and never used any credit from that company I have no idea why it stands on my report and I request urgent removal from my credit report Ive also tried to dispute through XXXXHowever I never received any email or mail regarding such bill.

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 2021-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am XXXX XXXX, last four social - XXXX XXXX. I am a victim if XXXX XXXXXXXX and identity theft. XXXX, XXXX had a breach where my social was obtained. Someone fraudently filed taxes in my name. I never had to file taxes because I am a Veteran with a 100 % service connected XXXX and I recieve compensation. I never applied to these companies or their creditors. 

I also have a fraud account with XXXX XXXX. I did not apply for this. Please help me in investigating these fradgenlent actions against my credit report. 

XXXX is a collector for XXXX XX/XX/XXXX for XXXX dollars. XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX ) XXXX XXXX dollars. 

XXXX  XXXX XXXX / XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX/ XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am XXXX XXXX, last four social - XXXX XXXX. I am a victim if XXXX  XXXX and identity theft. XXXX, XXXX had a breach where my social was obtained. Someone fraudently filed taxes in my name. I never had to file taxes because I am a Veteran with a XXXX XXXX XXXX XXXX XXXX and I recieve compensation. I never applied to these companies or their creditors. 

I also have a fraud account with XXXX XXXX. I did not apply for this. Please help me in investigating these fradgenlent actions against my credit report. 

XXXX is a collector for XXXX XX/XX/XXXX for XXXX dollars. XXXX XXXX XXXX XXXX ( XXXX XXXX ) XXXX XXXX dollars. 

XXXX  XXXX/XX/XX/XXXX XXXX/XXXX / XX/XX/XXXX, XXXX XXXX XXXX/XX/XX/XXXX , XX/XX/XXXX XXXX  Acct/ XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/ XXXX XXXX XXXX, XXXX XXXX XXXX/ XXXX XXXX/ XX/XX/XXXX XXXX XXXX/ XX/XX/XXXX XXXX XXXX/ XX/XX/XXXX XXXX XXXX/ XX/XX/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 non-monetary relief
Consumer complaint received 2021-03-19 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I HAVE A CREDIT CARD ACCOUNT THAT WENT INTO COLLECTIONS IN 2019 THAT HAS BEEN SOLD TO MIDLAND CREDIT. MIDLAND CREDIT IS REPORTING MY ACCOUNT AS COLLECTIONS ON MY CREDIT REPORT HOWEVER I HAVE AND HAVE OTHER ACCOUNTS THAT ARE OR WAS IN COLLECTIONS THAT DOES NOT REPORT AS COLLECTION BUT DOES REPORT AS A CLOSED ACCOUNT BY GRANTOR. 

I HAVE DISPUTED THE REPORTING AS I HAVE BEEN MAKING PAYMENTS ON THE DEBT SINCE THE ACCOUNT WAS OPENED BY MIDLAND CREDIT. 

THEY UPDATE THE ACCOUNT EACH MONTH WITH MY PAYMENTS HOWEVER IT SHOWS AS A COLLECTION ACCOUNT AND APPEARS TO BE NEW EACH MONTH CAUSING MY CREDIT SCORE TO SIGNIFICANTLY FALL EACH MONTH AND SHOWS AS A RED FLAG ON REPORTS INCLUDING XXXX XXXX AND XXXX. 

I HAVE CONTACTED MIDLAND SEVERAL TIMES ONLY TO BE ANSWERED BY A PERSON IN A FOREIGN COUNTRY WHO DOES NOT ANSWER MY QUESTION AND POINTS ME TO A CUSTOMER SERVICE DEPARTMENT IN THE US THAT IS " NEVER AVAILABLE '' EACH TIME THEY TRY AND TRANSFER. I WANT THEM TO REMOVE THE BLACK MARK AND HAVE HIT A BRICK WALL EACH TIME I DISPUTE THROUGH THE BUREAUS. 

PLEASE LET ME KNOW WHAT ELSE I MAY DO. 

THANK YOU XXXX XXXX XXXX

Company response to consumer: Closed with explanation