vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This company is currently showing 30 and 60 days late. I have read enough to understand my rights. The Bureaus are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Phoenix Financial Services LLC
State: CT

Complaint narrative:
On XX/XX/XXXX, I called phoenix financial because I had received a collection letter in close likeness to my mother 's name with my kids names attached to the debt. I called and tried to explain and was hung up on after asking to speak to the supervisor. I called back twice and asked for a supervisor and was hung up on by XXXX XXXX twice. I finally spoke to XXXX XXXX who was also very difficult when I explained that they had the wrong debt connected to the wrong person. This is not how people should be treated when trying to clear up something that could effect their life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I filed a dispute with XXXX in regard to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-23 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: GA

Complaint narrative:
On XXXX, 2021 I have been submitting letters to the credit bureau, because I have some information that is on my credit file that is not correct. I have sent in information to them telling them. I have proof that these accounts that is reporting negative is not correct.

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 2021-09-23 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: GA

Complaint narrative:
On XXXX, 2021 I have been submitting letters to the credit bureau, because I have some information that is on my credit file that is not correct. I have sent in information to them telling them. I have proof that these accounts that is reporting negative is not correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I reviewed my report and saw so inquiries that I had not authorized. They are not mine and need to be deleted. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Please remove them.

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 2021-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MD

Complaint narrative:
On or about XX/XX/2021, I had an extension applied to my account to defer the XXXX payment for Nissan Motor Corporation which would cover my XXXX payment, so doing this I had a payment return of {$470.00} because at the time we needed that money back and I was never contacted or told that because the payment was returned the extension was canceled ; this caused me to have a missed payment and go directly on my credit report which at the time is significant and we were close to owning a home but because of this inaccuracy it has delayed us in buying a home. When I talked to Nissan they said to contact you to get this removed so we can purse this action. This caused my credit score to drop to XXXX and not the XXXX to be able to close on my house. I would like this investigated and removed from my credit ASAP. Once i knew it was late I immediately paid the requested amount. To this date if i have been late on a payment I had requested an extension and never had been late on this account, please see account history attached. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I co-signed for my sons XXXX loan which has now become XXXX principle balance. I`ve tried to deal with Sallie Mae and Navient. Often times his loan payment was applied to his other two lower interest loans. He was encouraged by the lender to use the forebearance option without explanation of the consequences. Navient engaged in deceptive practices regarding its policies. Consumer protection for the student borrower and the co-signor were ignored. To be released from the loan was not fully explained. Due to these unethical practices my credit score has been affected. Not only that, but my sons credit is ruined.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: HCFS Healthcare Financial Services of TeamHealth
State: NC

Complaint narrative:
Again, ARS are using obscene and profane language as well as defaming my character by communicating INDIRECTLY with my consumer report without my consent. I never gave these debt collectors my consent to speak to me, a consumer. Thats another violation. Having my private information in your records is another violation. Speaking about any medical information is also a violation. ARS initial validation notice, that theyre referring to, is another violation as well as mail fraud. I did not give my consent for this debt collector to communicate with me. XXXX mention, There is no requirement that the provider have permission from the consumer to place an account in collections. What FEDERAL law states this? Because according to FEDERAL law 15 USC 1692c ( a ), without the prior consent of the consumer given directly to the debt collector, a debt collector may not communicate with a consumer in connection with the collection of any debt. Now show me the federal law that states otherwise. ARS claims to never spoken to me but according to 15 USC 1692a ( 2 ) communication means the conveying of information regarding a debt directly or INDIRECTLY to any PERSON through ANY medium. ARS communicating indirectly about my consumer report with every reporting agency. Thats a violation as well as obscene and profane language, to me. ARS can not tell me, the consumer, what is or isn't obscene or profane language. ARS stating I even owe this alleged debt is obscene and profane language to me. I did not give ARS consent to do anything but remove my private information, XXXX  out the balance on this alleged account, and pay the invoice attached to compensate me for the damages pursuant to 15 USC 1692k. I did not ask for any validation and the fact ARS insist on stating I owe this alleged debt is another violation pursuant to 15 USC 1692b ( 2 ). Furthermore, Ive attached a cease and desist letter regarding this alleged debt, so there should be no communication regarding me or my consumer report, other than whats being mentioned in the cease and desist letter. I expect my check to be mailed within 30 days. Youre on notice.

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 2021-09-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Services Group, Inc. d/b/a ConServe
State: FL

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Account Number XXXX. 

Company : XXXX XXXX XXXX XXXX XXXX, NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Io, Inc.
State: MD

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I disputed the fraudulent information from my credit report. 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 have done many attempts to reach out to the XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. This account was already PAID. I am no longer indebted to this company or its practices. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Block, Inc.
State: WV

Complaint narrative:
Beginning in XXXX, my XXXX  used Square for all credit and debit card processing. However, at the end of XXXX and the beginning of XXXX, we noticed an error. The money that we were collecting via Square did not match what was being deposited into my XXXX  account. After contacting Square, they launched an internal audit. After several weeks, Square contacted us and said that we were owed north of {$40000.00} from XXXX. They stated that I had two accounts with them and some of the money was hitting by checking account and the rest stayed in their system and was never deposited. After this discussion, we were promised that we would be mailed a card with the funds on the card. However, we never received that card. The two points of contact from Square stopped responding to emails in XX/XX/XXXX. We have not heard from them since that time. 

In addition, Square reported the wrong information to the IRS. The 1099s that Square sent to the IRS were for the amounts we should have received, not what we actually received. Therefore, I now owe back taxes on money that I never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 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: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX  XXXX Inquiry : XXXX. XXXX, 2021 XXXX  XXXX Inquiry : XXXX. XXXX, 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 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.

I demand that these accounts be deleted immediately or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Please work with Experian to update my Student Loan accounts as paid as agreed and Chapter XXXX bankruptcy deleted from my file. reinvestigate these matters and delete or correct the disputed information as soon as possible. And the 2 public records Chapter XXXX bankruptcy accounts deleted. Experian is reporting several accounts as being in a chapter XXXX bankruptcy however XXXX XXXX is stating that they have no record of a credit file on me. 
Public Record from a Chapter XXXX Bankruptcy on XX/XX/XXXX. 
I previously disputed this public record stating : ''I dont recognize this public record. '' Public Record from a Chapter XXXX Bankruptcy on XX/XX/XXXX. I previously disputed this public record stating : ''I dont recognize this public record. '' XXXX XXXX XXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. This account was consolidated and paid in full. This account was not included in a Chapter XXXX bankruptcy and should be reporting as paid as agreed and closed. 

XXXX XXXX XXXX  Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. This account was consolidated and paid in full. This account was not included in a Chapter XXXX bankruptcy and should be reporting as paid as agreed and closed. 

XXXX XXXX XXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. This account was consolidated and paid in full. This account was not included in a Chapter XXXX bankruptcy and should be reporting as paid as agreed and closed.

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 2021-09-23 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: TX

Complaint narrative:
I reviewed my report and saw so inquiries that I had not authorized. They are not mine and need to be deleted. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Please remove them.

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 2021-09-23 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: TX

Complaint narrative:
I reviewed my report and saw so inquiries that I had not authorized. They are not mine and need to be deleted. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 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: MI

Complaint narrative:
Numerous times Equifax has deducted excessive points from my credit score when there are no negative changes. 
Twenty two points were deducted from my score due to six changes. ALL 6 CHANGES WERE BALANCE DECREASED. PLEASE SEE ATTACHED DOCUMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 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: MD

Complaint narrative:
Please work with XXXX to update my Student Loan accounts as paid as agreed and Chapter XXXX bankruptcy deleted from my file. reinvestigate these matters and delete or correct the disputed information as soon as possible. And the 2 public records Chapter XXXX bankruptcy accounts deleted. XXXX is reporting several accounts as being in a chapter XXXX bankruptcy however XXXX XXXX is stating that they have no record of a credit file on me. 
Public Record from a Chapter XXXX Bankruptcy on XX/XX/XXXX. 
I previously disputed this public record stating : ''I dont recognize this public record. '' Public Record from a Chapter XXXX Bankruptcy on XX/XX/XXXX. I previously disputed this public record stating : ''I dont recognize this public record. '' XXXX XXXX XXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. This account was consolidated and paid in full. This account was not included in a Chapter XXXX bankruptcy and should be reporting as paid as agreed and closed. 

XXXX XXXX XXXX  Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. This account was consolidated and paid in full. This account was not included in a Chapter XXXX bankruptcy and should be reporting as paid as agreed and closed. 

XXXX XXXX XXXX  Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. This account was consolidated and paid in full. This account was not included in a Chapter XXXX bankruptcy and should be reporting as paid as agreed and closed.

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 2021-09-23 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: MD

Complaint narrative:
Please work with XXXX to update my Student Loan accounts as paid as agreed and Chapter XXXX bankruptcy deleted from my file. reinvestigate these matters and delete or correct the disputed information as soon as possible. And the 2 public records Chapter XXXX bankruptcy accounts deleted. XXXX is reporting several accounts as being in a chapter XXXX bankruptcy however XXXX XXXX is stating that they have no record of a credit file on me. 
Public Record from a Chapter XXXX Bankruptcy on XX/XX/XXXX. 
I previously disputed this public record stating : ''I dont recognize this public record. '' Public Record from a Chapter XXXX Bankruptcy on XX/XX/XXXX. I previously disputed this public record stating : ''I dont recognize this public record. '' XXXX XXXX XXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. This account was consolidated and paid in full. This account was not included in a Chapter XXXX bankruptcy and should be reporting as paid as agreed and closed. 

XXXX XXXX XXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. This account was consolidated and paid in full. This account was not included in a Chapter XXXX bankruptcy and should be reporting as paid as agreed and closed. 

XXXX XXXX XXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. This account was consolidated and paid in full. This account was not included in a Chapter XXXX bankruptcy and should be reporting as paid as agreed and closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
In XX/XX/2020, XXXX XXXX  XXXX XXXX account was hacked for a second time. Their choice was to close my account. I then continued to get emails in XX/XX/2020 saying I owed XXXX XXXX XXXX {$1500.00}. I followed this up with many phone calls to XXXX XXXX XXXX where they advised they would resolve the issue because I did not owe them any money, they closed my account! I suppose there is still an issue because now I can not open any other accounts anywhere else.

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