vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-02 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
On XX/XX/2021 i requested Synchrony Bank remove late payments that were reporting on my consumer report. That responded that they reviewed my account and verified the payment history was reporting accurately ; stating the late payments were verified. 

Pursuant to 15 usc 1666b ( a ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

Pursuant to 15 usc 1692a ( 5 ) " debt means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment. 

As a consumer, I am not obligated to pay any alleged debt. 

Pursuant to 18 usc 8, all obligation is that of the United States. a The individual action Synchrony Bank performed does not comply with any of the laws that i listed above.

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 2021-07-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Hello I have made in excess of 6 withdrawals from my Chase savings account in XX/XX/XXXX which is permitted under the legislation passed in XX/XX/XXXX for COVID-19 relief. Chase charges you for every withdrawal over 6 which I do not believe is permitted. I asked them to stop and they refused. They said the best they could do is retroactively reverse the charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I was supposedly given a free subscription to equifax services from XXXX banking, as a result of their data breach. 

However, I can not log into the equifax system. I've been trying for days, and I always get the following message : We are temporarily unable to complete this request. 
Please try again later.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I have filed a dispute in regard to the inaccurate items on my credit report. It has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 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: Nicholas Financial Inc.
State: VA

Complaint narrative:
I have filed a dispute in regard to the inaccurate items on my credit report. It has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 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: RMS-Recovery Management Services, Inc.
State: GA

Complaint narrative:
I reviewed a current copy of my credit report and show inaccurate or incomplete information listed. the creditor Recovery Management Services ( XXXX XXXX XXXX Missouri ) alleged balance amount {$1400.00}. I attempted to contact credit and send a wirtten certified document and has not been repiled to over 30 days. I show this alleged account is fuardlent and I never attended any such school or have and alleged debt with Recovery Management Services. There has been on proof of verification and this is a direct viloation of FDCPA. Please deleted account

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 2021-07-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC.
State: IL

Complaint narrative:
This company first contracted me a year ago then determined the debt was fraud and sent back to the company they represented. Now they are trying once again to collect this fraudulent debt. Ive already complained to the XXXX XXXX XXXX  again and I am now filing this report here. I have never been to Arizona and I live in Illinois. Apparently they have a new person who cant read a file correctly. I explained that I am not the right person and that I have fraud alerts in all three credit bureaus going back to 2015. They are attempting to collect a debt from somebody who use my name and is currently in prison in Arizona. I want it somehow made a permanent part of the record they have that I am not the right person and they need to understand I will not pay somebody elses debt. I am handicapped in a wheelchair and never leave Illinois. They need to stop harassing me. I am also going to contact her attorney and see if I can sue them for this harassment and mental anguish.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United Collection Bureau, Inc.
State: MI

Complaint narrative:
On or about XX/XX/XXXX United Collection Bureau , IncXXXX erroneously withdrew {$5900.00} from my XXXX XXXX account ending XXXX. The debt that they are attempting to collect is associated with an identity theft problem that I encountered in XXXX. I have filed a police report and notified the Department of Revenue about this matter. Police report was filed in XXXX County MI report # XXXX. United Collection Bureau , Inc. never formally notified me that they were attempting to collect a debt. This debt is 10 years old from XXXX. On XX/XX/XXXX I reached out to XXXX XXXX at United Collection Bureau , Inc . He refused to help me with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 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: NJ

Complaint narrative:
Today is XX/XX/2021, and I have been disputing with XXXX, Equifax, and XXXX  about the negative accounts on my report since XX/XX/2021. Some of these accounts are not mine, some are reporting incorrect information, and some are refreshing the dates in order to stay reporting longer. I mailed my first dispute letter to all three credit bureaus on XX/XX/2021, asking them to investigate this incorrect and negative information. I have done my research and that I know my rights as a consumer. Even with Covid-19, the bureaus still have 30 days to respond to my free disputes. I know there might be a delay in the process and their responses, so I tried to give them the benefit of the doubt. It is now XX/XX/2021, and there are numerous accounts still reporting incorrectly on my credit reports. I even sent some of my letters through certified mail because I needed to make sure they were getting them. These are the tracking numbers from XX/XX/2021 ( Equifax - # XXXX XXXX XXXX XXXX XXXX / XXXX  - # XXXX XXXX XXXX XXXX XXXX / XXXX  - # XXXX XXXX XXXX XXXX XXXX ). These are the tracking numbers from XX/XX/2021 ( Equifax - # XXXX XXXX XXXX XXXX XXXX / XXXX  - # XXXX XXXX XXXX XXXX XXXX / XXXX  - # XXXX XXXX XXXX XXXX XXXX ). I have been sending in disputes month after month without receiving a response and/or validation as to why the accounts and information remain on my reports. This is unacceptable because this is very harmful to my way of life. This information is available to anyone who would need to pull my credit - housing, employment, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Management Partners, LLC
State: TX

Complaint narrative:
THIS COMPANY RMP SERVICES CALL EXTREME AMOUNT OF TIMES A DAY DAILY. THE NUMBER IS XXXX. TODAY XX/XX/XXXX AS OF XXXX THEYVE CALLED ME 6 TIMES SINCE XXXX XXXX. MONDAY XX/XX/XXXX THEY CALLED 13 TIMES FROM XXXX. THIS IS OUT OF CONTROL I WANT THEM TO STOP CALLING AND HARRASSING ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 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: FL

Complaint narrative:
These accounts are not mine and I do not know them. I am asking you to remove them from my profile. I feel that this is a fraud and I want to keep safe 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 2021-07-02 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: FL

Complaint narrative:
These accounts are not mine and I do not know them. I am asking you to remove them from my profile. I feel that this is a fraud and I want to keep safe my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
They furnished a report without my permission. Which is a violation to pursuant to 15 usc 1681b ( 2 ). They reported transactions from my credit card to a my consumer report which is a violation to 15 usc 1681A ( 2 ) ( b ). They also reported and transferred over my information without my permission. A " credit '' check doesn't consist of having my intellectual property " reported '' unauthorized.

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 2021-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
They furnished a report without my permission. Which is a violation to pursuant to 15 usc 1681b ( 2 ). They reported transactions from my credit card to a my consumer report which is a violation to 15 usc 1681A ( 2 ) ( b ). They also reported and transferred over my information without my permission. A " credit '' check doesn't consist of having my intellectual property " reported '' unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 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: FL

Complaint narrative:
I have 2 inquiries from XXXX XXXX on my credit report that i did not authorize and i need it removed. one from date XX/XX/21 and XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 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: Millco Management
State: FL

Complaint narrative:
I spent money and sent a letter by certified mail receipt # XXXX to Amerfinancial XXXX. XXXX XXXX XXXX, MI XXXX I spent money to send this letter regarding this account and it was returned to sender. I later discovered that the address the creditor had listed on my credit report which Ive attached an image of Was inaccurate data and amerifinancial was providing a false address to reach them on your credit report. Therefore, Ive included a copy of the return mail and Im requesting a removal

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Capital One Auto Finance received a {$2700.00} payment on XX/XX/2021. However, my list of transactions states that Capital One received the payment on XX/XX/2021. I've called Capital One numerous times to have the date corrected. I shared the XXXX tracking number with Capital One and have a recording of a Capital One representative stating that my list of transactions would be updated within the hour to accurately reflect the date. Capital One refuses to update the list.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 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: BARCLAYS BANK DELAWARE
State: KY

Complaint narrative:
My credit card account was closed several years ago and still has an outstanding balance. I've contacted the credit card company multiple times over the past few years in an attempt to pay the balance in full. The last time I called them, I was transferred more than 10 times and was on hold for a total of about 4 hours. Every time I've called I have been advised that they can not take my payment because the account has been charged off/sent to collections but they aren't sure if it has been sent to an outside collection agency and, if it has, they don't know who it was sent to. 

I am not disputing the amount that they are reporting on my credit report that I owe and I've been trying to pay this bill in full for several years but they continue to tell me that they can not process my payment. In the meantime, the account continues to report negatively on my credit report. 

I am willing to pay the balance in full but I believe the negative reporting to the credit bureaus should be removed since I have tried so many times to pay them and they will not/can not accept my payment. 

I am unable to provide an account number because there isn't an account number listed on my credit report. I have requested that they provide me with my account number every time I have contacted them and they say they can't give that information out over the phone.

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 2021-07-02 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: TX

Complaint narrative:
I am being denied for credit because Experian is reporting an unverified account on my credit file and they are reporting it as though it is new from 2020. I have reported this before that Experian is not reporting my credit correctly. They never validated the claim, they just took the word from XXXX. I called XXXX for information and they could never show where I signed for these service or anything with my signature on it. But yet Experian is the only credit reporting company reporting it. XXXX  was reporting it but they removed this same invalidated account. XXXX  followed suit. 

The way that Experian is reporting this account is causing me great harm. Its on the comments of companies saying that I have a serious delinquent. The account Experian is reporting is 6 years old. It's the only negative account on my credit report. 

I have asked for lease with my name on it with the address these services were provided for. Never got it. Experian is the only credit reporting agency that is reporting this address the other 2 companies removed this address because it could not be verified according to the FCRA I sent attachment to show the comment from XXXX, also I have sent attachment to show what I am talking about how Experian is reporting a charge off account with a past due for XX/XX/2020. This is a violation and they know better.

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 2021-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: NY

Complaint narrative:
I had three fraudulent transactions from the same Merchant that occurred at about XXXX XXXX. I have made multiple attempts with Chime Banks disputes Department to fix the fraud and refund my money and no matter what I send them, even detailed proof from the merchant regarding the fraud and confirming it, they will not refund my money. I have asked multiple times to please speak to someone in the Chime Bank 's investigative department and they refuse to speak with me. I just keep sending emails that go unanswered

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 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: FL

Complaint narrative:
As indicated by the attached copies of letters and mailing receipts, Credit Bureau has been delivered by registered mail both a dispute letter, dated XX/XX/XXXX, as well as a follow-up letter, dated XX/XX/XXXX. As of this moment, they have not done their duty mandated under the law. Their inaction in this matter is inexcusable, and their disregard for the law is contemptible. 
Federal law requires to respond within 30 days, yet they have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you on this matter, for the purpose of filing a complaint with the FTC. 
For the record, the following information is being erroneously included on my credit report : 1. The wrong amount is being reported. Date of opening is wrong. 
XXXX XXXX XXXX  Account Number : XXXX Please ensure that all information is accurate. I was never late. I PAID AS AGREED.

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 2021-07-02 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
As indicated by the attached copies of letters and mailing receipts, Credit Bureau has been delivered by registered mail both a dispute letter, dated XX/XX/XXXX, as well as a follow-up letter, dated XX/XX/XXXX. As of this moment, they have not done their duty mandated under the law. Their inaction in this matter is inexcusable, and their disregard for the law is contemptible. 
Federal law requires to respond within 30 days, yet they have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you on this matter, for the purpose of filing a complaint with the FTC. 
For the record, the following information is being erroneously included on my credit report : 1. The wrong amount is being reported. Date of opening is wrong. 
XXXX XXXX XXXX Account Number : XXXX Please ensure that all information is accurate. I was never late. I PAID AS AGREED.

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 2021-07-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
Approximately 2 years ago expenses became too much for my wife and I. We could no longer afford utilities, loans and mortgage. I was advised we could vacate the house by PNC, turning it back over to them. After moving out I asked about returning the keys at which time I was told by PNC that couldnt happen. 
I filled out a packet for help with the property and it was rejected because I didnt have all the proof they wanted causing the financial hardship. 
After this I would speak with them and would be advised I could do one thing only to be told that wasnt right. When that person corrected me with new instructions, I would complete them and find out that wasnt correct either.

I finally gave up. I was served foreclosure papers but that has been postponed due to COVID-19.

A few months ago I placed the property for sale with a realtor. There has been no offers made. I contacted PNC again and was advised I could submit for a deed in lieu of foreclosure. When I called a few weeks after that because I hadnt heard back, I was told that I couldnt do that because it was foreclosure already. 
My complaint is that PNC has seemingly been playing games. Every time I call them I am told the previous person gave me bad instruction. The house is not worth what is owed. I have not been advised of a sale date either.

Company response to consumer: Closed with explanation