vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I never had this account! Ive already made previous requests to the creditors to send me documents that prove the ownership of this account but they still have not responded yet.

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 2021-01-01 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I am a XXXX patient tired of the mismanagement of my Care Credit account, this company refuses to take responsibility for inaccurate information on my credit report also conflicting issues under covid-19 US mandate of reporting, sneaky tactics reducing my credit then misleading to me too closing my account the. Please refer to pending civil case Dermer v. PayPal Credit et al. 
FILED : XX/XX/XXXX XXXX ( document uploaded ) I had the issue in XXXX XXXX XXXX I dissatisfied with the services for dental work still had to go back twice I still was billed for the services, after filing dispute which they ruled in the dentist favor when it shouldn't have. I have never been late on my any of my payments. Now I'm having accounting issues with this company as well.

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 2021-01-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants and Professional Bureau, Inc.
State: CA

Complaint narrative:
I have no idea whose account this is! I do no not remember owning this particular account! Ive already asked the creditors to send me signed documents that signify ownership of this account but they still have not responded yet.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants and Professional Bureau, Inc.
State: CA

Complaint narrative:
I have no clue about whose account this is! I am clearly sure that I do not own this specific record! I've requested that the leasers send me signed reports that prove I really own this erroneous account but as of now I still havent received any reply.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Credit & Collection, Inc.
State: CA

Complaint narrative:
Ive already made previous requests to the creditors to send me documents that prove the ownership of this account but they still have not responded yet. I have no clue about whose account this is!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I filed two separate claims with Wells Fargo bank, in regards to funds being deducted out of my checking account which was supposed to be money invested towards a XXXX procedure I wanted to be done, the procedure was never completed, I didn't go to my XXXX visits, and I requested that money back, it took XXXX  XXXX  many months to credit me back, so I filed a claim no XXXX, a total of {$200.00}, and claim no XXXX total of {$610.00}, funds were credited to my checking account ending in XXXX, but then a card reversal credit took place, and left me at a negative standing, I provided the bank with all necessary documents supporting my claim, and they were really rude to me. Another claim which I filed claim no XXXX, a total of {$830.00}, same thing. My Wells Fargo bank account is in an enormous negative standing due to these errors by the bank. My checking account is - {$1800.00}. I believe that if it's my money being invested it's really my choice how to go about it, and if I don't like the way one works, or products they sell are not what I am searching for it's totally up to me. Wells Fargo has been informed that the XXXX XXXX store originated to me, was a computer error, and credit was never received. I'm seeking for these funds to be credited back into my checking account as soon as possible.

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 2021-01-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I do not remember owning this particular account. I've asked the agency to provide signed paperwork that proves that I really own the questionable account but they have not complied as of the moment.

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 2021-01-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
I never had this account! Ive already made previous requests to the creditors to send me documents that prove the ownership of this account but they still have not responded yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I have no idea whose account this is! I do no not remember owning this particular account! Ive already asked the creditors to send me signed documents that signify ownership of this account but they still have not responded yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Transfinancial Companies, Inc
State: TX

Complaint narrative:
I never had this account! Ive already made previous requests to the creditors to send me documents that prove the ownership of this account but they still have not responded yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
I have no idea whose account this is! I do no not remember owning this particular account! Ive already asked the creditors to send me signed documents that signify ownership of this account but they still have not responded yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
I have no clue about whose account this is! I am clearly sure that I do not own this specific record! I've requested that the leasers send me signed reports that prove I really own this erroneous account but as of now I still havent received any reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: TX

Complaint narrative:
Ive already asked the creditor to provide documents that prove I own this suspicious account but they still have not responded yet! I have no recollection of ever owning this account!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I've requested that the leasers send me signed reports that prove I really own this erroneous account but as of now I still havent received any reply. I have no recollection of ever owning this account!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I do not remember owning this particular account. I've asked the agency to provide signed paperwork that proves that I really own the questionable account but they have not complied as of the moment.

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

Complaint narrative:
ATT was my cell phone co. telephone provider. 

We agreed they charge me monthly for cell. I ended out contract in XX/XX/2020. 

I returned their cell a little after I asked them and asked they stop service. THe short delay was because I needed my new cell phone ( BEST BUY ) to transfer all the data from T cell to my new Best Buy phone. 
Making my year end review, I noticed ATT never stopped charging my credit card from XXXX on to date. I called ATT and they said they will look into it. At same time, I asked SEARS MASTER CARD to stop paying them, and also to refund from XXXX to date and STOP Paying them for any future automatic withdrawals. SEARS  refuses to put stop payments, or refund for past bills. Sear 's ' XXXX started a dispute but won't refund or put stop payments to all prior or new charges. She won't promise my a refund or stop payments claiming I signed with ATT, and sears  MASTER card can't stop making auto payments that by law she can't stop payments as it is between ATT and I to end such relation! 
So, if ATT wont stop sending me bills, and Sears Master keeps paying even if I ask them to both stop, in my mind, this is fraud. 
My sears MASTER card is enclosed in the attachment It shows the date when I returned by US Post the ATT cell, and he ate when I purchased my new XXXX phone with Best buy.

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 2021-01-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
I never had this account! Ive already made previous requests to the creditors to send me documents that prove the ownership of this account but they still have not responded yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
Ive already asked the creditor to provide documents that prove I own this suspicious account but they still have not responded yet! I have no recollection of ever owning this account!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01 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: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
RE : CLAIM # XXXX I do not feel that Chase Bank properly took the time to address my dispute with a merchant regarding a cancelled transaction that I was still billed for, especially with all the information and documentation that I provided. They did not take the time to properly look at my case, nor even as much as took the time to interview or question me about what exactly happened. If they did, they would clearly see that the merchant did not fulfill their end of the agreement. They now have my money and product, due to Chase Bank 's negligence, lack of communication and careless dispute process. 

I put a deposit of {$400.00} for a sofa and loveseat set from XXXX XXXX XXXX, in XXXX XXXX, Nevada on XX/XX/2020. The transaction was done in the store located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX. The contract clearly shows that the products were to be delivered on XX/XX/2020. On XX/XX/2020, I not only 1. called the merchant to cancel the order, 2. requested to cancel the order in writing via email, and 3. tried to cancel the order in person, all of which the merchant refused to do, which at that time I had no choice but to file the said dispute via Chase Bank. 

After doing their so-called " investigation '', Chase Bank found that I was liable for the charges, because " the merchant stated that you left the store with the merchandise. '' First of all, the contract ( that I also provided to Chase Bank ) shows that the product was to be delivered to my address on the contract on XX/XX/2020. Secondly, what furniture store has inventory on hand, and what kind of customer can just " walk out the door with the merchandise ''? Third, the contract shows that a {$400.00} deposit was paid, with a remaining balance due of {$1500.00}. What company allows a customer to walk out the door with the merchandise with a balance due? Fourthly, the section stating " received this merchandise in good condition by '' sign/date was never signed by me. All of this was shown on the contract, as well as clearly explained to the members of the dispute department at Chase Bank, who then claimed that the merchant stated I have the merchandise and thus I am liable for the charges. This is not only a fraudulent statement placed by the merchant, but is in no way a proper way to handle a dispute by Chase, who had all the evidence of the merchants wrong-doing in their hands, but yet still sided with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01 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: First Credit Services Inc.
State: OR

Complaint narrative:
I was reviewing my credit report and i saw that XXXX XXXX or 1st CRD SRVC reported me in collections for {$200.00}. First, I cancelled my membership and now I'm getting collection calls and to make matters worse, this is on my credit report? i never checked into that gym since i told them I'm canceling my membership. We're in the middle of a pandemic and they have the audacity to try to collect and report information. THEY NEVER disclosed at the time of sign up that members will have their credit impacted in the even of default, which in my case, i told them many times i wanted to cancel but i was always advised they needed to have a MANAGER present. i told them i work and by the time i get off, the managers are gone for the day and i live far and i wanted them to cancel my membership. its so inconvenient when you sign up, everyone can help you but the moment you want to cancel, they tell you only a manger can cancel your membership. this is deceptive and brought down my score 40 points! i will never sign go back to this gym. and i will tell everyone in town how deceptive they are when they will impact your credit.

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

Complaint narrative:
The credit bureaus have inaccurate information on my credit report and I want it removed immediately and they did not get back with me in 30 days which they have to do by law according to the FRCA.

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 2021-01-01 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: IN

Complaint narrative:
I sent all 3 major credit bureaus XXXX, Equifax, and XXXX a certified letter with a copy of my credit report disputing the information in my credit file including my inquiries and they did not investigate 99 % of my credit file including the inquiries not one. I know for a fact I didn't give consent for some of the inquiries but they still remain on there. The credit bureaus received and signed for the letters in the middle of XXXX around the XXXX thru the XXXX of 2020.

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

Complaint narrative:
I sent all 3 major credit bureaus XXXX, XXXX, and experian a certified letter with a copy of my credit report disputing the information in my credit file including my inquiries and they did not investigate 99 % of my credit file including the inquiries not one. I know for a fact I didn't give consent for some of the inquiries but they still remain on there. The credit bureaus received and signed for the letters in the middle of XXXX around the XXXX thru the XXXX of 2020.

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 2021-01-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The credit bureaus have inaccurate information on my credit report and I want it removed immediately and they did not get back with me in 30 days which they have to do by law according to the FRCA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The credit bureaus have inaccurate information on my credit report and I want it removed immediately and they did not get back with me in 30 days which they have to do by law according to the FRCA.

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 2021-01-01 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: IN

Complaint narrative:
I sent all 3 major credit bureaus Transunion, XXXX, and XXXX a certified letter with a copy of my credit report disputing the information in my credit file including my inquiries and they did not investigate 99 % of my credit file including the inquiries not one. I know for a fact I didn't give consent for some of the inquiries but they still remain on there. The credit bureaus received and signed for the letters in the middle of XXXX around the XXXX thru the XXXX of 2020.

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 2021-01-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One Auto loan. Is Not reporting correct amount pending. Pending balance reporting to the 3 Bureaus XXXX, XXXX, XXXX  is not current.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01 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: GOLDMAN SACHS BANK USA
State: NC

Complaint narrative:
I am a new Apple Card customer, and received my card in XXXX. I set up my bank account for the payments and set up an automatic payment to my card on the payment due date. 

Everything was looking right on the Apple wallet app and my payment looked like was gon na happen on the due date. However a payment didnt happen and I had to pay my payment manually on the next day. 

When I contacted to the customer representative they couldnt explain what happened and why it didnt work. However I did setup my payment properly on time, thats why I dont accept any responsibility about this late payment. I dispute any late payment fees and any bad sings on my credit score. 

This was a terrible experience and has to be corrected.

Company response to consumer: Closed with explanation